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

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

Vehicle was purchased in XX/XX/XXXX and financed through Exeter Financial, by XX/XX/XXXX we were behind a few payments and made payment arrangements. Company charged off account while in the middle of paying and refused to work with us to cancel the repossession order. Company did not provide us with appropriate notice as outlined by law. Under the laws of the State of New Hampshire UCC 382-A:1-202, 382-A:2-706 and New Hampshire RISA and MVISA statues a deficiency can not  be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. This situation has hurt us financially and has impacted our credit beyond measure. While we believe we have grounds to collect for damages we are willing to overlook that if the company removes the deficiency balance and charge off from our credit reports as requested. We have attempted to communicate with the company several times but they refuse to furnish the proof of legal repossession.
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance of the Federal Credit Reporting Act this creditor 's has violated my rights. 
Under 15 USC 1681 SECTION 602 state 's I have a right to privacy. and under 15 USC 1681 section 604a section 2 state 's that a consumer reporting agency can not furnish an account without my written instruction 's.

Under 15 USC 1666b state 's. A creditor may not treat a payment on a credit card under and open a consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a police report XX/XX/XXXX, XXXX  and XXXX is reporting a fraudulent account by XXXX XXXX XXXXXXXX XXXX  XXXX XXXX open in XX/XX/XXXX, this account was open by someone who stolen my XXXX Fraud account
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated the federally protected consumers rights to privacy and confidentiality under XXXX XXXX. 
XXXX  account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX ( Original Creditor : 10 XXXX XXXX XXXX XXXX XXXX  XXXX account XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) account # XXXX I looked at my Equifax report on XX/XX/year> and noticed that somethings are incomplete and inaccurate according to the Fair Credit Reporting Act. Whenever a consumer agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy according to 15USC1681 ( e ) ( b ) And according to 15 USC1681i ( 5 ). They are suppose to do this treatment of inaccurate or un verifiable information .In general after any reinvestigation under paragraph ( 1 ) and information disputed
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquaries deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding Equifax 's failure to conduct a thorough and accurate investigation into the disputed items on my credit report. Despite providing all necessary documentation and evidence to support my dispute, XXXX has continually failed to rectify the inaccuracies and has not provided legitimate proof of any investigation being conducted. This lack of transparency and accountability has caused significant distress and financial harm. I kindly request the CFPB 's assistance in ensuring XXXX fulfills its obligations under the Fair Credit Reporting Act ( FCRA ) and provides a comprehensive and accurate investigation report. 

Thank you for your attention to this matter in aiding me to remove them. 

Accounts needing for proper investigation : XXXX XXXX XXXX XXXX XXXX {$5500.00} XXXX XXXX XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX {$130.00}
Product: Debt collection

XXXX XXXX has been harassing me stating they overpaid me on a sale of tickets. I have proof that the amount paid was the correct amount that I sold the tickets for. They state they overpaid me by {$110.00} and have now turn this over to a debt collection agency. This is completely a false and bold lie on the part of XXXX and the debt collector trying to get {$110.00} from me. The debt collection agency is Trueaccord and the person who sent me the false email is XXXX XXXX The last photo is the transaction is question. It shows the amount that was paid to me from XXXX of {$76.00} which is the amount i sold the 2 tickets for. XXXX claims they overpaid me by the {$110.00}. This is a 100 % false lie. More proof can be given and shown when requested. XXXX and true accord are are attempting to collect monies not owed to them
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. A victim of identity theft a long time ago. After that incident there were incorrect and inaccurate items that appeared in my report. Please delete all of the following ACCOUNTS and INQUIRIES from my credit report immediately. Besides these items, also delete the incorrect names and addresses that I did not live in and names I do not go by. They are all a result of ID theft. Please remove these items which are not as soon as possible. Please see attached IDENTITY THEFT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2020 I have been trying to dispute and get late payments from my Great Lakes student loan. They reported wrong and inaccurate information on my student loan that have been closed and transferred. I want this information to be investigated and removed since the account have been closed and transferred to XXXX. The account is closed and have been transferred but it still showing on my credit report. I have wrote several letters to help me remove it but get denied
Product: Credit reporting, credit repair services, or other personal consumer reports

OPORTUN has admitted to using the EOSCAR system. THEY CONTINUE to state they verified a paid off collection account to all CRAS. They have failed to provide factual evidence of the physical relevant documentation they sent to the CRAS.

EOSCAR is not built to send any physical relevant documentation to the CRAS. THIS IS A WILLFUL ATTEMPT TO VERIFY WITHOUT ANY PHYSICAL DOCUMENTATION BEING SUBMITTED TO THE CRAS THEREFORE BYPASSING A COMPLETE AND ACCURATE INVESTIGATION UNDER THE FCRA CODE.
Product: Credit reporting or other personal consumer reports

I am deeply concerned that your company did not conduct a thorough and proper investigation into my dispute. It is evident that there has been a failure to adequately investigate and update the status of this account. This oversight has had a detrimental impact on my ability to secure credit, which is why I am invoking my rights under the Fair Credit Reporting Act ( FCRA ). 
As per the FCRA, accounts that can not be positively verified must be promptly updated. If you are unable to provide me with verifiable proof within the stipulated time frame, it is incumbent upon you to update this account. Under federal law, you are obligated to complete your re-investigation within XXXX ( XXXX ) days. 
Furthermore, I request that you provide a detailed description of the procedure used to determine the accuracy and completeness of the information, to be furnished within fifteen ( XXXX ) days of the conclusion of your re-investigation. 
I firmly demand that this account be updated without delay in compliance with the FCRA and federal law to rectify the harm it has caused to my credit profile.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Delete the accounts below
Product: Student loan

My loans are currently under forbearance due to the SAVE litigation. In XXXX of XXXX  I submitted an application to switch my loans into an IBR plan. Per the FSA 's guidance, and discussions with FSA customer service representative, my loans should have been placed into a processing forbearance for at least 60 days while my application is processed. MOHELA, however, has informed me and other borrowers, incorrectly, that they are forbidden by the FSA from processing IBR applications for persons currently under a general forbearance due to the SAVE litigation, and are further prohibited by the FSA from placing such applicants into a processing forbearance.
Product: Mortgage

Since XX/XX/XXXX we have had a first and second mortgage with Wells Fargo. Both loans paid monthly, never late, and additional payments made to principal. In XX/XX/XXXX we went to Wells Fargo office in XXXX, met with XXXX XXXX to refinance loans. We spent several hours with XXXX, filling out paperwork. Returned within 3 days with additional documents requested ( hand delivered, not lost in mail ). In XX/XX/XXXX received Notice of Action Taken and Statement of Reasons informing us our application denied. 
The reasons were inconsistent with facts and figures we provided. Correspondence with W.F. XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX confirmed that W.F. had not used the documents provided, but had used erroneous figures, faulty math and miscalculations to arrive at incorrect conclusions. Each representative was asked to explain their calculations, each used different figures and always incorrect figures. All documents requested by W.F. were delivered to W.F. W.F. did not consider all documents. W.F. either ignored or inconsistently replied to questions and requests for clarification of their miscalculations. W.F. did not treat us fairly. Refused to refinance loans because of our age and their concern that we would die before the loan was paid. W.F. refused to refinance in order to maintain a higher interest rate, and thus a higher payment.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

I received information from you attempting to collect the above-listed alleged debt. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have no knowledge of this company or alleged debt or have a signed contract with this company to do business with them. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Product: Checking or savings account

I have a current account which uses XXXX XXXX XXXX and XXXX XXXX XXXX  as bank partners. I filed a dispute for XXXX  for {$38.00}. I already explained to XXXX  that the order wasn't delivered even though it's marked as delivered. They dropped it off at the wrong house and marked it as delivered. XXXX didn't refund it even though they said they would. I filed a dispute and Current denied it. They sent a document saying it was an invalid dispute. They never asked me to provide additional information nor did they show me what the merchant said. 

I filed a dispute for XXXX  for {$30.00} and I didnt get the correct order. I ordered snacks, I got canned goods and frozen meals. I provided photos to the merchant, they said they would refund and didn't. I decided to file a dispute and provide all evidence to Current and they denied the dispute. 

My wallet was stolen and my card was used at XXXX for {$130.00} on XXXX XXXX, XXXX. I told them immediately once I noticed. They sent an email a week later saying that XXXX said that the purchase was authorized by me and wouldn't be refunding the order. They never sent any documentation showing what XXXX said and proof that it was me using my card. I highly doubt my pin was used because I only know that and it's not written down anywhere. This is such a shady company. I wanted a credit to my account and I was told that this is a secured credit card and it's regulated by Regulation Z not XXXX They said they don't have to provide credit because of that. This is a debit card. I add money, they report it to the credit bureaus as credit paid. This just sounds like a way to not provide credit for fraud. 

I have emailed them appeals on XX/XX/XXXX and I haven't gotten a response. I have chatted with them in XXXX and XXXX to get a refund and they haven't helped. 

I have submitted appeals, sent emails regarding these disputes and haven't gotten a response. I want to be refunded {$200.00}. If I'm not able to get the funds, I will be speaking to a lawyer to see what legal action I can take.
Product: Checking or savings account

My name is XXXX XXXX. I opened a Chase Total Checking Bank Account in the state of XXXX Illinois however I closed my account at a J.P. Morgan Chase Bank located in another state at address : XXXX XXXX XXXX XXXX, XXXX, PA XXXX. This is the Account Number XXXX. My online account username is XXXX. I also have attached the last bank statement issued which includes the date in which the account had been closed XX/XX/2022 in addition to each transaction starting from XX/XX/2022. According to the creditors and the XXXX XXXX XXXXXXXX XXXX XXXX there are five charges and transactions totaling an amount {$3400.00} in which the creditors sought to recover through the XXXX XXXX XXXX I have attached my most the last issued bank account statement as proof that the account closure happened while there weren't any pending transactions, with a positive balance and in excess of the money in which the creditors claim that XXXX had been owed. 
I have received five emails from the following source XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX regarding an Original Creditor named XXXX XXXX in addition to a different creditor named XXXX XXXX XXXX  . 

These charges and transactions brought against XXXX XXXX are through no fault of his own as this account was closed without any pending transactions. There is a misrepresentation of facts and charges which is unconstitutional to the account holder, XXXX XXXX. XXXX online banking withdrawals take 3-5 business days to process. Visit URL : XXXX XXXX XXXX
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 will authorize I will charge fees due to lag posting of charges and credits. This issue aligns with recent CFPB finance against Navy Federal for similar practices when transactions were settled with insufficient balances, despite initially available funds, I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card

I rented a car through XXXX at XXXX XXXX in XXXX, I returned the car as normal in the condition it was rented to me in, it was checked over and all was fine. I received my invoice for the agreed amount plus a fuel surcharge and thought all looked normal ; a while later they tried to charge me nearly {$1000.00} ( XXXX ) for damage they claim I inflicted to an area of the vehicle I never touched ; the storage area of the spare tire which I didnt even know existed. I looked up many XXXX reviews and discovered this is a scam that have been running, as many people had similar experiences. I of course contacted XXXX and XXXX to no avail. So I disputed the charge through Chase bank. I listed it as a fraudulent charge because to me thats what it was, Chase took over 2 months to process this and re-bill me saying it wasnt their version of fraud and I would need to re-submit my dispute. I did exactly as I was prompted by a Chase dispute specialist in the most timely manner allowed by Chases hours, only to be told weeks later it is too late to submit a dispute on this charge and there is nothing they will do to help me. Chases slow processing times are to no fault of my own and I should not be punished for it, they should be protecting me as is their job to do after 15+ years of banking with them.
Product: Debt collection

I have a court order from the XXXX that there working approving my unemployment the harrassed every day
Product: Bank account or service

I was the victim of a identity theft. Once I became aware of the situation I notified my bank and filed a report with the FTC. Initially, the bank refunded the fraudulent charges but they have since taken back the credits and closed my accounts. They still owed me {$1500.00}. Then they accepted a deposit from my employer after my account was closed and are refusing to give me this amount as well. I filed a police report in XXXX, XXXX and also in XXXX XXXX. I was contacted by the detective in XXXX today ( XXXX/XXXX/16 ) and was told that they have the suspect in custody. He had the forged identifications in his possession at the time of his arrest. We have been going back and forth with the bank for 2 months to get this issue resolved. At this time, they are showing that money is owed to them by me from the fraudulent charges. The manager at the branch office that I have been working with is now telling me that they are too busy to help me further. I have submitted copies of both police reports and the FTC report to the bank and they are still not willing to resolve the issue.
Product: Debt collection

I'm writing to ask for the removal of late dates on disputed items from my credit report. Despite my efforts to verify inaccuracies with the information provider, there has been no response. I request the credit bureau to update my consumer file in accordance with the FCRA, as the reported information is unverified and lacks proof. XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

My information was leaked in a data breach. And I believe my identity was used. I asked for validation of my debts rapidly which I am entitled to and credit bureau failed to do so Referencing : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was unable to get phone support with XXXX and Equifax and I was told there is fraud issues and I need to submit everything in writing which I dont have time for and I would like to gain access to phone support and Im also unable to dispute anything online Im getting a error message from XXXX and I need to have this fix thank you
Product: Mortgage

I had lost my job last year in XXXX. Flagstar bank offered me a forbearance and said do not worry, when you are able to resume payments, they will give me XXXX of their reset options. Well now that I have income, they will not reset my loan at all. I call them every single day and they give me different answers each time. It's as if they want me to lose my home. Not even the VA can help. I'm a XXXX XXXX with XXXX children and these guys don't care at all.
Product: Checking or savings account

When I opened up my PNC business checking account I was enrolled in the following promotion : Earn {$300.00} with a business checking plus account when you complete the following requirements : Maintain the minimum average cycle balance of {$5000.00} for each of the first 3 statement cycles Make at least 10 total qualifying PNC Bank Visa Debit Card transactions and/or PNC Bank Mobile Check Deposits [ 3 ] within the first three statement cycles ============================================================== However I have not received the {$300.00} after 4 statement cycles. Upon inquiry, PNC rep stated because the first month ( in which I opened the account ) I did not have {$5000.00}, I did not qualify. It is unreasonable to assume that customer would have the {$5000.00} balance when the first statement closes right after opening and I have to set up direct deposit and ACH.