23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I have been behind a few months with prestige finance XXXX  and in XXXX they offered me to pay {$530.00} which is a smaller amount of the original {$590.00} per month which the loan is required. I had a V.A. agency pay the {$530.00} plus an additional {$1200.00}, the {$530.00} was supposed to be for the month of XXXX to catch up for the months of XXXX XXXX and XX/XX/year>2024 the VA agency that paid the additional {$1200.00} was notified that that would be for XXXX and XX/XX/year>2024 payments. When I reached out to prestige finance, they said that program and offer was no longer available so they baited and switched me, I have email communication with prestige financial since then they are harassing me with phone calls and emails on a daily basis sometimes several times a day. When I notified them recently in this month of XX/XX/year>2024 about XXXX and XXXX payment already being paid they said that that program was no longer available. Provided no legal information. They provided nothing but harassing emails and phone calls. I want to know what can be done to get them to stop these illegal business practices and harassing me with this auto loan thank you kindly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

I have XXXX loan servicers. ACS and XXXX XXXX. I sent them both the same application packet with my pay stubs so they could get a picture of my situation. XXXX XXXX used this information correctly and thus provided me with the correct monthly payment amounts, which I am paying. ( XXXX $ /month ). 

ACS came back with a payment that does not, in any way, reflect my income situation at the time the Income based Repayment plan application was submitted. ( $ XXXX dollars ) This is the second year in a row that I am having this problem with them. Last year it was the same starting point as that of what I am dealing with now and last year, after going through hoops, it ended up being XXXX $ per month. ( Finally, the same as what XXXX XXXX calculated my payment to be for XXXX initially. ). I 'm making a little more money now as reflected in the XXXX payment that I make to XXXX XXXX. But, it 's the same story with ACS for some reason. Why do I never have this problem with XXXX XXXX??? They need to use the same income information that XXXX XXXX used. That is federally mandated! It is the SAME federal repayment program used by XXXX companies and the same exact information was sent to XXXX of them. The only difference was I replaced each company 's name on the fax. 

I should not have to go through this two years in a row. This signaled to me that something is up at ACS and they need to be aired out.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive contacted this company numerous times for reporting inquires to the credit bureau that I did not authorize and that they are unable to find an application for. The date of the inquiry is shown in my reports is XX/XX/2023 @ XXXX EST. The company said that they do not have any of my information on file & would fix the discrepancy within 30 days. It has been well over of 60 days and the inquiries that I did not authorize or apply for are still appearing on my credit reports. Dates of Contact : XX/XX/2023, XX/XX/2023, XX/XX/2023 - Person/Agent of initial Contact is XXXX at the Nevada Office XXXX XXXX XXXX -There has not been anyone that is able to find an account or application with my information yet the XXXX XXXXXXXX continues to have a negative impact on my TransUnion Credit Report. I have called XXXX & have yet to have the issue resolved. This inquiry is causing a hinderance and hardship to myself & my credit.
Product: Credit reporting or other personal consumer reports

I company called XXXX, XXXX XXXX, XXXX XXXX XXXX accounts and a company Wakefield LLC are reporting false information someone did these accounts fraudulent I'm asking that they be removed
Product: Debt collection

They are saying they validated debt without a physical signature. They are validating my rights per the FCRA. They said they satisfied the applicable requirements but they did not they did not provide a agreement with a physical signature, there is no signature on any the agreements.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$5100.00} XX/XX/XXXX XXXXXXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$620.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX NOT RECOGNIZED XXXX XXXX, XXXX, XXXX XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX TX, XXXX, XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX TX, XXXXXXXX XXXX XXXX  XXXX XXXX TX XXXX XXXX XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX, XXXX 15 U.S.C, 1681section 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 an 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 ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

From XX/XX/XXXX through XX/XX/XXXX I successfully sent monthly bill pay checks from Chase Bank to my Landlord for my office rent. The checks were issued by Chase and mailed via USPS to a mailbox store ( not post office ) named 'XXXX XXXX XXXX XXXX ' at XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX WA XXXX. On XX/XX/XXXX my Landlord emailed me to tell me that there were two missing checks for XX/XX/XXXX. I investigated and learned that one of the 'missing " rent checks had been cashed. I was able to see a photo of the cancelled/cashed check, and learned that it had been fraudulently altered prior to being cashed, and was inappropriately accepted by a bank. The addressee had been changed from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ' to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ' ( A XXXX search of XXXX XXXX reveals that he is a convicted burglar in XXXX XXXX XXXX WA ) XXXX I called the mailbox store and learned that there had been a store break-in in early XXXX and all the mail was stolen, and the local police had been notified. I filed a fraud report with my bank ( Chase ) on XX/XX/XXXX ( With an update on XX/XX/XXXX ) and was assigned a claim number XXXX. Later, I received a letter from Chase ( Dated XX/XX/XXXX ) that my case had been investigated/concluded, and it was determined that the check had been authorized, and NO adjustment would be made. It is my opinion that Chase should have recognized that the check was altered, and should not have accepted it.
Product: Credit card

Chase bank closed account without notifying. Prior to it being closed, I had paid in full at all times. I submitted a payment for it to be paid in full, and it bounced from my bank. 

I called and asked why. It now is registered as eight unsuccessful payments which is the bank payment bouncing without notification. 

They also said it was due to my credit activity which involved a standard opening of a mortgage, car loan, a business credit card, and a credit line for a business computer with a low monthly payment. 

These are unfair reasons, considering I have always paid my account in full and been a responsible and responsive customer.
Product: Debt collection

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA XXXX. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and I notice there is outdated and unauthorized information that needs to be deleted and removed. 
I am currently an XXXX XXXX XXXX XXXX XXXX. I have attached a letter from my case manager confirmed my XXXX XXXX. I did not authorize any of these inquiries. I ask that they be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed
Product: Credit reporting or other personal consumer reports

FCRA viloaltions not mine not my credit cards XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$820.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$800.00} Status Account charged off. {$730.00} written off. {$110.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. Deferred, payment date not reported. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$520.00} Status Account charged off. {$300.00} written off. {$500.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX Balance {$190.00} Status Account charged off. {$190.00} written off. {$190.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$370.00} Status Collection account. {$370.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$730.00} Status Collection account. {$730.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$820.00} Status Collection account. {$820.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$370.00} Status Account charged off. {$370.00} written off. {$370.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$310.00} Status Collection account. {$310.00} past due as of XX/XX/XXXX. 
not my auto loan XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Repossession. {$4.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$4700.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$11000.00} Highest balance - Terms 72 Months On record until XX/XX/XXXX never lived here XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family not my phone numbers ( XXXX ) XXXX Cellular ( XXXX ) XXXX Cellular ( XXXX ) XXXX not my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX not my inquiries XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Product: Checking or savings account

Summary : US Bank charged me {$100.00} worth of checking account fees despite me being eligible for a free checking account with them. After talking to their agents they agreed that their fees were bogus but they were only able to refund {$59.00}. I spoke with a manager at a local US Bank Branch in XXXX, CO and she promised to refund the remaining {$44.00} promptly. This still has not occurred after almost two weeks of waiting. 




Timeline : I opened a checking account with US Bank on XX/XX/XXXX The bank charged me a {$14.00} fee every month and refunded the amount right away since I met their eligibility requirements for free checking. 

On XX/XX/XXXX the bank stopped refunding the {$14.00} fee with no notice. There was no change in my eligibility status and no reason for them to start charging me for banking with them. 

I noticed that I was being charged in XXXX of XXXX and I called the bank. They told me they will issue a refund for all of the fees and fix my account. Instead I received a letter a few weeks later saying they can't find the " transaction being despited '' and did NOT refund any money. I was charged {$14.00} again in XXXX with no refund, this brought the total number of incorrect charges to XXXX for a total of {$100.00} I called again in XXXX and the agent agreed that I should not have been charged the fees but she was only able to refund the last 3 months ( for some reason ). I told the agent that this is nonsense and after some back and forth she was able to get me a refund for 4 months and stated that the other 3 months will be refunded later. 

Nothing happened for two weeks and I called again and the agent claimed that she can not issue me a refund for the last 3 months ( {$44.00} ) and that I would have to go into a branch to do that. 

I went to a US Bank Branch in XXXX on XX/XX/XXXX. The manager there agreed that the fees were nonsense but that she couldn't do anything. I told her that this is unacceptable and after some back and forth she agreed to refund the remaining {$44.00}. 

It has been 11 days since that conversation occurred and no refund. I will be going back to the bank again 2 weeks from now when I am back in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about 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 are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX  account assigned to Collections is Fraud. Never open personal accounts with XXXX Demanded documents of verification from XXXX and never responded to by XXXX. 

This is fraud account. ID theft report filed
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid Commenity Bank in full and they will not remove derogatory remarks on my credit score. I have a cancelled check.XXXX
Product: Credit reporting or other personal consumer reports

Please delete these inquiries. I am not familiar with this and the company acted without my authorization.
Product: Credit reporting or other personal consumer reports

My wife and I are buying our first apartment together. We both have good credit and assets and applied for a standard 30 year fixed rate loan through XXXX. 

XXXX called me to tell me that my credit reports from XXXX and XXXX came back fine, but Equifax showed a fraud alert, and that their underwriters couldn't go forward as long as that was unresolved. I called Equifax and learned that they had extremely outdated information for me- they had my " current address '' as one I had last lived at in XXXX, and they had the wrong name for me. ( I'm transgender, and I legally changed my name in XXXX. The other two credit bureaus didn't seem to have an issue with this. ) It was difficult to understand the Equifax customer service rep but she indicated that I needed to change my name in their system to remove the fraud alert. She explained that I needed to mail supporting documents ( scans of my drivers license, social security card, and name change order ) to their XXXX XXXX XXXX XXXX and wait XXXX to XXXX business days. I sent in the mail, and called back a few days later to see if I could get a status report. This time they told me that it would take XXXX calendar days to process the name change, that there was no way to expedite this, and that the back office didn't take calls. 

The mortgage contingency date on our apartment is in XXXX weeks, and the closing date is a week after that, and in any case I have no reason to believe Equifax will hold to their 30 day promise. My lender can't go ahead with a clean Equifax credit report so we're working to change the loan so it's just my wife 's name on it, but this is obviously not ideal. If I was single then this would have torpedoed my home purchase altogether.
Product: Mortgage

I have mortgage with Mr. Cooper. My property sustained damage due to a fire XX/XX/2018. I have fought viciously with my insurance company to pay for the damages for over 2 years. In this time I not missed a mortgage payment. The insurance company finally release a large payment to myself and my mortgage company. At this time the mortgage company is refusing to release any further funding so that I can complete more work on my property. This is causing a hardship for my family. I am asking Mr. Cooper to release further funding so that I can complete more repairs on my home. This is an urgent matter and I am facing hardship everyday that Mr. Cooper holds funding that is made for the repairs on my home. Please assist me in recovering this monies for the repairs to my home.
Product: Credit reporting or other personal consumer reports

I disputed the presence of a fraudulent account on my Equifax credit report, which is being reported by XXXX XXXX. Despite my repeated attempts to rectify this matter with XXXX XXXX directly, they have only removed the fraudulent account from my XXXX and XXXX credit reports, leaving it unresolved on my Equifax report. 

This fraudulent account, which I have never opened or authorized, has had a significantly detrimental impact on my credit score and financial well-being. It is imperative that this erroneous information be promptly removed from all of my credit reports to prevent further damage and restore my creditworthiness. 
As a consumer, I am entitled to fair and accurate credit reporting under the Fair Credit Reporting Act ( FCRA ). It is unacceptable for XXXX XXXX to selectively remove negative information from certain credit bureaus while neglecting to do so from others. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) intervene in this matter and ensure that XXXX XXXXXXXX complies with its obligations under the FCRA by promptly removing the fraudulent account from my Equifax credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the unauthorized accounts and inquiries listed below from my credit report. I am a victim of a data breach that compromised my personal information. These accounts and inquiries are fraudulent, and under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed from my credit file. 
Fraudulent Accounts : XXXX. XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Th e American Express Platinum Card  offers  5X  the points if the consumer purchases airline tickets from  American Express Travel Services,  which is fine by me. But then, the card also extends these benefits if the consumer purchases their airline tickets DIRECT from the airlines as well. The first part in my opinion is fine. The second part is a restraint of trade and unfair competition with third party licensed and accredited travel agencies. It gives an unfair and monopolous advantage to Airlines.