23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Dispute Authorization and Multiple Violations of Fair Credit Reporting Act I '' hereby authorize this dispute. It is important to note that this dispute was not sent by an unauthorized third party or credit clinic, '' I am writing to address the ongoing violations of the Fair Credit Reporting Act ( FCRA ) that have yet to be resolved, despite my previous dispute letter. The violations are as follows : FCRA Section 607 ( a ) ( 4 ) - Consumer Right to Privacy : You are continuing to report fraudulent accounts on my credit report that do not belong to me, which is a clear infringement upon my privacy rights. As I mentioned before, I have the sole authority to determine what information should be considered private. I insist that my hard inquiries and account information not be shared on my credit report. FCRA Section 623 ( a ) ( 2 ) - Misleading False Reporting : The information you continue to report falsely suggests that I applied for multiple inquiries and accounts, when in reality, these were the result of a scammer 's actions. This misleading and unverified reporting is in direct violation of the Fair Credit Reporting Act ( FCRA ) and its fairness requirements. FCRA Section 616 - Civil Liability for Willful Noncompliance : Despite my previous dispute, you have failed to verify the accuracy of the credit information you have accepted, thereby demonstrating willful noncompliance. This noncompliance is subject to civil liability of up to {$1000.00} per violation. FCRA Section 605B - Aggravated Identity Theft : Your continued sharing of my personal information with numerous creditors without obtaining my consent is a criminal act of aggravated identity theft. I remind you that this offense carries a penalty of up to 2 years of imprisonment. FCRA Section 603 ( d ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information : You have yet to fulfill your obligation to disclose my right to opt out of sharing my personal information. This omission is deceptive and a direct violation of my consumer rights. FORA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms : Despite my previous dispute, you persist in furnishing inaccurate inquiries and accounts without proper validation, which potentially violates Generally Accepted Accounting Principles ( GAAP ). Reporting such deceptive information is unacceptable In addition to the aforementioned violations, I remind you of the previous violations outlined in my initial dispute letter, including the violation of Debt Collection Practices Act, Identity Theft Laws, Acquiring Location Information Regulations, Timely Payments Regulations, Finance Charge Determination, and Credit Report Permissible Purposes. These violations require your immediate attention and resolution. Once again, I demand that you take immediate action to address these violations and fulfill the following requests : Unauthorized inquiry : XXXX  Date of inquiry : XX/XX/2022 DELETE!!!
Product: Mortgage

Upon closing on my property at XXXX XXXX XXXX, XXXX XXXX MI XXXX, I was issued a check for {$4400.00} to be paid to XXXX XXXX. This check was never cashed by XXXX and first American says the check cleared. XXXX never cashed this check and I need the money to be returned to me immediately.
Product: Mortgage

A loan was originated on XX/XX/2022 by XXXX XXXX XXXX XXXX ( Hereinafter XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX. A week later I was contacted by Specialized Loan Servicing ( Hereinafter SLS ) and they ask for my consent to contact me an I DID NOT give consent for SLS to contact me. I delivered payment directly to XXXX XXXX. XXXX XXXX notified me they received payment and stated they wired the payments to SLS. SLS stated that I sent payment to the OLD LENDER. A Notice of Errors was sent to XXXX XXXX of SLS and received on XX/XX/2022, XX/XX/2022, and XX/XX/2022. SLS failed to properly respond. A request for the FULL ACCOUNTING was sent on XX/XX/2022, SLS and successors and assigns have failed to provide the FULL ACCOUNTING. On XX/XX/2022 SLS sent correspondence stating XXXX XXXX was the original creditor and that XXXX XXXX XXXX I Trust was now the current Creditor. I mailed payment to XXXX XXXX XXXX to the address SLS provided and it was returned to sender. I do not have a contract with SLS and they continue to harass me with phone calls and posted cards on my door. XXXX XXXX has mailed a XXXX XXXX form that didn't apply the payments that they received? Who is the actual XXXX and where did the payments go?
Product: Credit reporting or other personal consumer reports

I discovered this morning that incorrect accounts have appeared on my credit report, and I have no idea how they got there. When I reviewed my report as I normally do, I was surprised to see unexpected discrepancies. I even tried refreshing my browser, thinking it might be a temporary glitch, but the inaccurate accounts remained. Given this issue, I am requesting a thorough review of the documents Ive provided so that I can have peace of mind moving forward.
Product: Checking or savings account

Charging illegal, surprise overdraft fees on purchases made with sufficient funds : Navy Federal charged fees to consumers whose accounts showed sufficient funds when making purchases, only to charge fees when the transactions were later processed. 
Charging overdraft fees caused by delayed peer-to-peer payments with undisclosed processing times : The credit union showed incoming payments from services like XXXX, XXXX, and XXXX XXXX as available to spend, but failed to disclose that payments received after specific cutoff times would not post until the next business day, while still charging overdraft fees to some customers who attempted to use these apparently available funds.
Product: Debt collection

On XX/XX/2022, I received a call from XXXX XXXX XXXX XXXX in Texas. A man called ( identity himself as a law XXXX ) and told me he was attempting to serve papers, but he could not locate me. I told him I had sold the home and moved out of state, so he gave me the phone number and the affidavit number to the company that had filed against me. I called them, and I was told they had filed a criminal intent to fraud against me, and if I did not pay over {$2000.00}, I would have to go turn myself in my local county sheriff 's office. I panicked because I really thought it was legitimate since XXXX XXXX shows up on my caller ID, and I researched the number and it was correct. She the told me I could pay {$900.00} and make payments on the rest. I borrowed the money from my parents, and gave them my debit card information for the payments. Isn't impersonating a law official a crime? I called XXXX XXXX XXXX XXXX today, and they informed me they NEVER had any papers to serve me ( criminal oe civil ). I also want them to refund the money back to my parent 's debit card. The original debtor was XXXX XXXX XXXX and the debt collector is National Management Recovery Corporation ( NMRC ). I have attached a file showing the call from XXXX XXXX and the call I made directly to their number 3 minutes later.
Product: Checking or savings account

- On XX/XX/2021, I called BBVA about a discrepancy in my checking and savings accounts. As their representatives confirmed on the phone, I made a mobile transfer of {$1600.00} from my savings account to my checking account. When I accessed my account yesterday, the transfer showed up on both ends, showing a balance on each account reflecting the transfer. 

- Before the transfer my savings had about {$14000.00}, after the balance was about {$12000.00}. 

- Today, the transaction does not show up on either account. Yet, my savings balance is still around {$12000.00} and my checking account balance does not seem to account for the transfer and stands at {$1300.00}. 

- When I called BBVA, the first representative confirmed the transaction and that my balance should be about {$2900.00} ( thats what he said he saw when he read it on his end ). He then transferred me to another representative who investigated the issue and initially agreed with my assessment, but then contradicted me later after speaking with someone else at BBVA.

- I called again, the first customer service rep then could not help, and " transferred '' me to someone else, who hung up on me before saying a word. 

- As it stands, Im missing {$1600.00}.
Product: Credit reporting or other personal consumer reports

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 I spoke with a XXXX Federal Supervisor in the Loan department regarding how my checking line of credit was being report to XXXX, Equifax, and XXXX credit agencies. The Supervisor said the issue would be escalated and that someone would e-message me or contact me regarding an answer to my concern. I never contacted regarding my concern, so today XX/XX/23, I called XXXX and spoke with a Supervisor in the same department regarding the same issue. The Supervisor informed me the loan was special, and that it was being reported as a revolving account because the account does not have an expiration date. I informed him whether the account is a revolving account or an installment account credit reporting agencies should not be able to access real time balances regarding this particular account or any other account for that matter. I informed him that the practice seems unfair and possibly illegal. Review illustrations of the e-promissary loan agreement from XXXX, my Equifax checking line of credit reports, and the checking line of credit statement ( XXXX of each month ) documents for proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, XXXX XXXX XXXX XXXX collection accounts was deleted on my credit consumer report from XXXX and XXXX per my dispute request. TransUnion refuses to remove these negative XXXX accounts to present. After multiple certified mail attempts TransUnion and XXXX XXXX XXXX will not verify or validate these collection accounts. XX/XX/XXXX debt validation and debt verification letters were sent certified to both companies and again could not provide any information to prove this debt. Today is XX/XX/XXXX, my rights have continously been violated. I have all documents saved for legal purposes if necessary. Attached are pictures of the deleted accounts. As stated, I have all records for legal purposes if necessary.
Product: Debt collection

I have been paying the original loan now for over 12 years. Although they gave me a hardship plan I know that they continue to make monies from I debt already paid. How much interest are these companies allowed to extort. I am considered a high risk patient I no longer stand to be used. My initial sebt started in 2003.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 120 180 ) days past due on the XXXX card partial account number XXXX. ( Please see page 9 of the attached credit report. ) This account was paid in full in XX/XX/2019 in the amount of {$5700.00}. I have attached a copy of my checking account log verifying payment of same. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Vehicle loan or lease

Hello, I purchased a 2020 Toyota Highlander XX/XX/XXXX. When I purchased it I knew the interest rate was going to be higher then what my excellent credit score reflected. 

I went online today XXXX XXXX to get the phone number to my lien holder Toyota Motor credit corp and discovered that according to your reporting agency, are being sued for illegal lending and credit reporting misconduct. 

This was dated XX/XX/XXXX. 

I put quite bit of money down to lower my payments. When told about the financing there was no explanation other than I had to have their lien holder for 6 months. Its after that 6 months I could refinance the loan with whomever I wanted. 

I wasn't happy to hear that and questioned it and was told that's how they do it. At first I thought he was a new salesman but went along with it. 

Come to find out that it sounds like in the background, they were found to pay millions in illegal lending and credit reporting misconduct. 

I have never been told and when I mentioned it to friends, that I had to go with their lender for 6 months and couldn't get a cheaper rate? 

They do not do a good job in explaining things and their paperwork is usually quite lenghty. 

Please let me know if I qualify to take part in this illegal lending practice. 

I will be calling to see if I can in fact refinance my loan sooner rather than later. 

Thank you for your time, XXXX XXXX
Product: Debt collection

I only saw the collection on my credit report, I have not received anything in writing.
Product: Credit card

This was American express response. 
We comply with laws and regulations We are committed to making sure all credit worthy customers have equal access to credit. 

That is why we take appropriate measures to make sure that our representatives comply with all laws and regulations. It is against our policy and our culture to make credit decisions or service an application on a prohibited basis. The actions taken on your application were based on valid reasons and in accordance with our policies and procedures. 
Please response to these Laws and Regulations since American Express follow 's all laws 15 USC 1691 ( c ) 15 USC 1692 ( k ) 15 USC 1642, 15 USC 1681 ( m ), 12 CFR 1002 I the consumer made an application in good faith but credit was not issued.

15 USC 1602 ( i ) mY SOCIAL SECURITY NUMBER WHICH ACCORDING TO 15 USC 1602 ( i ) is defined as a credit card was used and i received no benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) 15 USC 1681 ( n ) 15 USC 1681 ( O )
Product: Credit reporting or other personal consumer reports

Despite my previous efforts to resolve this issue, the fraudulent entries remain unaddressed, and I am profoundly concerned about the adverse effects they are having on my financial reputation. It is discouraging to witness these fraudulent items continue to harm my credit report, despite my persistent efforts to eliminate them. As a diligent consumer, I am dedicated to maintaining an accurate credit profile, and the presence of these fraudulent entries undermines that objective. I am reaching out once more to request urgent intervention to resolve this matter. I kindly ask for a comprehensive investigation into the fraudulent items on my credit report and prompt action to remove them. Additionally, I seek clarity regarding the specific steps taken during the investigation process and a detailed explanation for the repeated failure to address this issue. With this in mind, I am requesting your assistance to eliminate these fraudulent items from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

i was paying my best buy cc with my bank of America bank account. 
when i was paying my XXXX XXXX cc, i was trying to pay XXXX on my account, my phone glitched and paid the full balance of my cc which was over {$1000.00}. at the time i only had {$300.00} in my bank of America checking acct. and Bank of America allowed the charge to go through instead of declining for insufficient funds. like it would have if i tried to buy something at a store or if i went to an Atm and tried to take {$50.00} out when i only had {$5.00} in my account. I have been with Bank of America for 28 years. I have never had this happen to me, they have always been good about declining things. I don't understand how this could even be allowed. I get paid ever two week, that will me getting a lot of over draft fees from the bank and higher once because of the large amount over draft. this is fraud because i never asked for them to allow them to cover the XXXX that i don't have ever. i don't care if i authorized the payment I didn't have the fund to cover it. and the bank get to make out with all the over charge fees. I am a single mother of XXXX kids. ever if in two week my direct depots come in it only XXXX so now that is 4 weeks with out money to feed and pay my bills. this i out rages and if this doesn't get fixed i will be getting a lawyer and sueing bank of America for allowing this tow happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an error on my Equifax and XXXX XXXX reports who are reporting a bankruptcy that has been unverified. I requested numerous times for both agencies to verify this item, reinvestigate and to disclose the method of verification. I know they did not investigate this after numerous attempts to request an investigation. I sent a letter on XX/XX/XXXX to both credit reporting agencies requesting the methods of verification in which both listed XXXX XXXX. However, the credit bureaus neglected to contact XXXX XXXX although they stated that they did. I contact XXXX XXXX back on XX/XX/XXXX to request verification as well, and they replied that they were deleting this and updated my XXXX XXXX report so it no longer is reflecting a bankruptcy since it could not be verified. I responded to XXXX XXXX requesting that they disclose who they verify bankruptcies through, in which they replied that they use XXXX a third party reporting agency. This agency receives information from the courts, including the alleged court reporting a bankruptcy. The St Louis Bankruptcy Court stated they provide no information to any credit bureau or reporting agencies. I requested that the credit bureaus delete the bankruptcy being reported since they are still claiming that XXXX XXXX verified this public record, however I have provided copies of the letters that I received from XXXX XXXX that they confirmed they deleted the bankruptcy record and it is no longer on my file with them. They refuse stating they verified with XXXX XXXX still. However if they truly did then they would have found that XXXX XXXX is no longer reporting the unverified bankruptcy. Please investigate this matter so that I can have this unverified public record of a bankruptcy removed since it is damaging my credit report. The credit bureaus have failed to verify with XXXX XXXX after numerous requests, and copies of letter from XXXX XXXX that I have submitted to them have been neglected.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, I called Affirm and spoke with a supervisor about being a victim of a pay-to-work scheme from an online company based in Florida, that resulted in me being defrauded and coerced into a personal loan with Affirm, their " partner. '' I told the supervisor why the company is a scam and many others have been victims as well. Because of this, I requested a refund of the loan promptly. The supervisor told me it would take approximately 45 days. I can not afford to wait that long. Others who were scammed by the company in Florida ( XXXXXXXX XXXX XXXXXXXX ), got their loans cancelled within XXXX days. They should not be doing business with company at all, ever. I'd also like to note, on the day I was defrauded into the loan, I got an email from Affirm saying that Affirm 's partner bank can not approve the loan because they couldn't verify my identity based on the information they got, so I'm wondering how my loan got approved if my identity wasn't verified. Either Affirm was negligent and signed the loan anyways, or XXXXXXXX XXXX  XXXX lied to Affirm.
Product: Credit card

Bank of America refuses to comply with the Fair Credit Billing Act. 

I mailed a credit card dispute letter to Bank of America. They told me in writing that they got my dispute letter on XXXX.They rejected my dispute and charged my account on XXXX. This is more than XXXX billing cycles. This is more than 90 days. My billing cycle date is the XXXX. 

The nature of my dispute was Billing Error. I demanded clarification. I did not receive clarification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had submitted a dispute to Experian on XX/XX/21 regarding XXXX XXXX. I received and Email to the email they have on file XXXX on XX/XX/21 stating they received my dispute. After that I did not receive any notification or status, on XX/XX/21, 30 days after called spoke to XXXX an Experian representative with reference # XXXX who stated he did not see anything on file. So i asked XXXX if I can speak to a manager or supervisor he stated is unable to but to give him my phone number, which I did its the same one they have on file and since then i have not received a phone call or an email regarding the issue.
Product: Credit reporting or other personal consumer reports

Company Name Equifax I disputed an account with XXXX XXXX XXXX {$15000.00} ( Account # XXXX ) due to identity theft. This account has been successfully deleted from my credit report with XXXX, yet it remains on my reports with Equifax. 
Despite my attempts to resolve this issue directly with the credit bureau, the erroneous account has not been removed. 

Request for Action : I request that the CFPB investigate this matter and assist me in ensuring that my credit report accurately reflects my credit history. I believe this ongoing reporting of incorrect information is a violation of the Fair Credit Reporting Act ( FCRA ). 
Supporting Documentation : I am including copies of relevant documents, including : XXXX 's confirmation of the deletion. 
Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX