23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Experian does not look at any of the documentation I submit. They refuse to acknowledge previous CFPB investigations and will not process any of my disputes. I have tried numerous times to submit information, but because they did not look at the information the first time, I am no longer able to dispute anything. I am completely left in the dark as far as the investigations go. They give me no information. As soon as I submit a dispute, it is instantly ( within 1 minute ) resolved and closed! They never look at any of the information or even request data from the creditor. They just mark it resolved instantly and nothing happens and nobody looks at the files I attach. There dispute system is not compliant with the FCRA and they should be penalized for there blatant disregard to legally allowed disputes under the FCRA. They make it impossible to file a dispute. I have attached XXXX example of them being involved in a CFPB investigation but not doing anything and not doing what they said they would do. They refuse to look at information I have relating to companies fraudulently removing payment information to keep bad data on my report for longer than 7 years from date of first major delinquency. They do not remove items when they are supposed to fall off and you can not dispute them to get them to remove them when they are no longer able to be legally reported. They need to be fined for violating the FCRA for not processing disputes legally and fraudulently claiming they did everything required by law in under a minute. This is the only company that you can only submit XXXX dispute per account over the lifetime it is on your report regardless of the reason for dispute. They say you can, but there is no way to do it.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized? I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX, there was money taken out of my account which was unauthorized by me. I checked XX/XX/XXXX because i was on a trip where i had little to no service. I had gotten several emails from XXXX XXXX saying that my account balance was below XXXX. The second i found out I called XXXX XXXX XXXX service to let them know i did not authorize this. Initially I had around {$1300.00} in my account. After this I was left in negatives. It took a couple weeks for my account to reach to zero after all the calling. Around XXXX they had gave me {$500.00} which left me with {$900.00} that I was not paid for. They would not let me get that amount back no matter how many claims I filed with XXXX XXXX  The reimbursed my money that was taken out of XXXX and XXXX but the remaining balance was through Zelle. I then called zelle to file a claim they had denied my claim multiple times as well. XX/XX/XXXX they sent me a letter explaining how if its through zelle they can not give me my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX had a major data breach recently and there is hard inquiries on my credit report that are fraudulent, unauthorized and don't belong to me. The following hard inquiries are fraudulent and unauthorized: XXXX Information, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I went to school for 3 years and graduated XXXX with a degree in XXXX. I borrowed {$21000.00} initially for my schooling and they indicated that just like any loan my interest rate would be low and I would begin to pay my loans back once I graduated. When I graduated and set up to pay my loans they added on {$12000.00} in interest as my total cost, plus they said I get added interest percentages per month added to my total now {$33000.00}. This is such a scan and completely sets hard working students back once they graduate. I 'm so disappointed with the student loan companies when they are supposed to be there to support and help students.
Product: Vehicle loan or lease

Car received hail damage onXX/XX/2023, on XX/XX/XXXX,XX/XX/2023insurance sent a check for {$9800.00}. We decided to pay off loan instead of repair. As directed by customer service we sent check and all pertinent information to Kia Finance. Certified mail, which they received on XX/XX/23. Because I was told wrong information they were processing a check for body shop. OnXX/XX/23 I sent an email advising that I wanted the check to go to payoff and not repair. On XX/XX/23 received email that it was changed and it will be applied to payoff. On XX/XX/23 I called regarding title because email stating it was sent on XX/XX/23. Was told it was sent to insurance company, and the refund will take 30 days from payoff. Called my insurance company they did not receive title. When I calledXX/XX/23. They will not issue duplicate title without insurance ok. And the refund has not been sent because a manager has to sign it. I feel like I am getting the run around.
Product: Student loan

We are writing as a collective group of defrauded students and alumni who attended XXXX-affiliated schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted.

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX University misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within six months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 
At its peak, XXXX enrolled nearly 70,000 students across campuses in 26 states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts.
Product: Credit reporting or other personal consumer reports

Someone in USA is using my identity with capital one auto loan or credit card, I get statements every month from capital one asking me to pay of arrears are it will go to court. They are using my email address and my name. I have sent emails to capital one telling them about this. Its affecting my credit score as I can not get credit or loans. I would like my life back and not the stress this is causing me
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a customer in  XXXX   XXXX  and during that time, I have enjoyed my experience with you greatly ; however, the account is closed and paid in full. It has been over 7 years since the account was open. According to the Fair Credit Reporting Act after 7 years from the first date of delinquencies  (   XXXX  ) this item must be removed and not reported on my credit report. Negative information that is more than  7 years old  ( 10 years for bankruptci es ) must be removed from your file. Therefore, I am asking for you to remove this items as a ASAP my credit  report.
Product: Checking or savings account

On XX/XX/22, a full payment was made to my XXXX credit in the amount of {$3400.00} from my PNC checking account. My XXXXl typically is a minimum payment auto pay transaction. I saw this come out and stopped the transaction via the PNC website. The money was pulled out of my account but not paid towards the balance owed to my XXXX. I called XXXX and they claimed I made this payment via their app, even though I didnt remember doing so. I didn't care at this point so i didn't argue that matter, I just wanted either my money back or my balance paid off. I was now out the money in my pnc account, but the balance was not paid on paypals end. I then called PNC, they sent me the ACH transfer information and told me I had to file the complaint through the merchant. I then spent the last year and a half disputing this through XXXX with no conclusion. They deny my claim over and over. During the claim time frame, XXXX has removed the balance on my account but then within 30-90 days, they put the balance back on my account!! This has now happened multiple times over and over again -- I imagine this is putting a huge hit on my credit report as well but I haven't taken the time to look into it. I essentially had to give up with XXXX since I was getting nowhere and called PNC for help again. They didn't bother to help, they just completely denied my claim because its past 90 days and claiming there is " nothing they can do. '' My bank lost {$3400.00} and refuses to find it for me? How does this make any sense? So now I am out {$3400.00} and both of my financial institutes refuse to help me.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX ), filed on ( XX/XX/year> ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian knowingly report inaccurate information refuse to comply with multiple request to provide verification of account yet certified the information is accurate. Report number XXXX Disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NE XXXX Phone number : ( XXXX ) XXXX
Product: Credit card or prepaid card

I received a Debit Visa card from US Bank ( I have never banked there ) This is a Relia Card for the Ohio Unemployment Insurance Program. 
( I have never lived, nor have visited the state of Ohio ever ) I believe someone is using my name and good credit to get government funding for fraud, and I'd wanted to report this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a car in XXXX. Contract was extended XXXX and a payment was put at the end of the contract. i received a letter XX/XX/XXXX that contract time was up and balance on the car needed to be paid XX/XX/XXXX. I made double payments XX/XX/XXXX, XXXX and XX/XX/XXXX. My credit report shows effective XX/XX/XXXX 30 days late XX/XX/XXXX 60 days, XX/XX/XXXX, 90 days and XX/XX/XXXX 120 days late. I have completed payment of the car. We are in the middle of a pandemic. If I was making payments how were the payments late. These late charges pop up at the end of the contract. Also they have 8 missing payments. The car would have been repossessed. There were no missing payments. One of the late payments came when I ask them to do a payoff, it took weeks I called back and was told it was denied reason being because the agent did not add that I was willing to pay half of the balance, I was asked if I wanted to do it again I said no and made a payment at the at. All payments paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : EQUIFAX Violations of United States Code Laws and Consumer Laws 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy : EQUIFAX is reporting fraudulent accounts which is an infringement of my privacy. Congress said I have the right decide what I deem private. I deem this account information to be private and I DO NOT WANT THE BELOW ACCOUNT INFORMATION SHARED ON MY CREDIT REPORT.
Product: Debt collection

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that PROCOLLECT would verify the debt. So I took it upon myself to ask PROCOLLECT for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Credit card

I want to make a complaint about the predatory practices of the Macys card. I had a Macys store card but had not received a new physical card after my previous one expired. 

When I went to a store to ask about this, an associate had told me that my card had been closed due to inactivity. The associate then proceeded to offer to open a new card, to which I declined. 

I was under the impression that I had no Macys card until I received a letter about a change in credit card terms. After nearly an hour on hold, I spoke with a representative who told me that my old card is still open and active... which means that associate had lied to me. 

My parents also had a similar experience where they were told their card was closed due to inactivity, but my mom did proceed to open a new card. Which in turn, would have given that associate their incentive money. While I did not fall for this con, I want to alert the government to this predatory practice. 

I believe that there is a widespread scam being done by Macys associates where they say your card is closed so that you open a new one, so that the associate can get their incentive money. This is extremely unethical and must be investigated.
Product: Mortgage

I bought home and it has been transferred to Chase bank under M e r s. 
Chase did not report a lot of my payments. I had to file bankruptcy to keep Chase from stealing my home. I paid my home and I have been asking Chase to send me all of my statements but they refuse. I have equity in my home that was stolen. This is so wrong. Please Help Me!!!
Product: Debt collection

On XX/XX/2021 I ordered a phone from XXXX. I was told the phone would have either a XXXX or XXXX day ship, but it took longer than that. I reached out multiple times to XXXX and spoke to multiple representatives. In the beginning I was told my order did not ship out yet, then that it just shipped, and lastly that they couldnt find my order at all. After hearing all of this I was frustrated and decided do cancel the entire order. I called XXXX & was told that the order was already shipped and told to contact XXXX. When I called XXXX, they stated that they havent received my order at all. I then spoke to XXXX  again and they gave me the run around. I was then told that the order was canceled and I had nothing to worry about. XXXX went by and I noticed XXXX XXXX tried to take different amounts of money from my account at different times. I visited my local XXXX and they called the collection agency and tried to get everything disputed. Before I left I was told by the XXXX experts that everything was handled and that the debt would be disputed and removed from my credit report. That never happened. I went back a little while later and did the whole process over with XXXX The agency told the experts that they did in fact dispute my claim but they put it back on my credit report due to phone usage & the phone account being used. Again I told both XXXX and the agency that I did not receive the phone, it was NEVER delivered to my home, due to me canceling it. I told them that when I spoke to the representatives I was told my order was successfully cancelled. I told them again and again that I do not have possession of the phone or any of XXXX equipment. Im not the individual that used nor opened the account etc. The XXXX representatives even stated to the agency that they have no active account in my name, and that its obvious Im not the one using the device or the account. The {$560.00} was then removed from my credit report for about a couple of months, & it is now back. I just want to get this handled. This has been going on for way too long.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer furnish account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Money transfer, virtual currency, or money service

I RECEIVED A CALL FROM MY BANK ALERTING ME OF A WIRE TRANSFER REQUEST. I CALLED MY BANK AND TOLD THEM I DID NOT REQUEST A WIRE TRANSFER. I ALSO GOT AN ALERT FROM XXXX XXXX FOR A HARD INQUIRY FROM THD/CBNA. XXXX TOLD ME IT WAS FROM XXXX XXXX BUT DID NOT HAVE A CONTACT NUMBER FOR THEM. I FILED A DISPUTE WITH MY BANK AND WITH XXXX. XXXX TOLD ME TO CONTACT YOU AND ALSO FILE A DISPUTE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following has violated my rights. 
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 15. U.S.C 1681 section 602 A States I have the right to privacy 15. U.S.C 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish a account with out my written instructions
Product: Credit reporting or other personal consumer reports

To whom may concern, please be advised I have been discussing mortgage assistance options with XXXX XXXX XXXX from the beginning of XXXX. I have responded to all of the requests for documentation in a timely manner only for them to return and request the same information over and over again. XXXXXXXX XXXX XXXX and its agents have systematically created an environment to put myself and clients like myself in a position of default. I believe this to be a business strategy of theirs. Additionally, in all of my conversations agents led me to believe that any settlements would not have negative impact on my personal credit, and they have gone ahead and reported negatively on my personal credit on a commercial account where the borrower is an entity. I ask you remove any negative reporting on my personal credit immediately and ask that you investigate XXXX XXXX XXXX  for their practices in general and in specific with mortgageassistance
Product: Checking or savings account

I realized I've been charged {$12.00} and {$35.00} per transaction for using overdraft protection to transfer money from my savings to checking account. I was aware that I was paying a monthly {$12.00} fee for my checking account with free overdraft protection. I have been with Bank of America for more than a decade -- and I'm certain when I signed up for the account -- I didn't agree to pay transaction fees to use overdraft protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Also, this is to inform you that there is no third party involve in this process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the unauthorized inquiry reporting on my Credit Report : NAVY FCU Date of inquiry XX/XX/2021