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

I contacted XXXX nexus concerning information reporting incorrectly to XXXX regarding public records. They need remove this information asap and correct my file. Filing date and reference number for bankruptcy is incorrect and the reporting is no longer valid as sure of limitation has expired
Product: Credit card

From XX/XX/XXXX to XX/XX/XXXX I initiated and paid for a rental car with my JP Chase Morgan United Explorer Card ( " Chase '' ). This card is advertised by Chase to include an Auto Rental Collision Damage Waiver benefit providing primary benefit coverage for rental periods up to 31 consecutive days. On XX/XX/XXXX I had a minor accident resulting in a dent and scratches to the right rear fender of the rental car. The rental company had the car repaired at a cost of XXXX Euros. On XX/XX/XXXX I notified the Chase Benefits Administrator and was told to file an online claim with the insurance company XXXX XXXX who administers the insurance benefit for Chase and was told to file a claim using their online claim process XXXX XXXX XXXX XXXX  ). I did this, uploaded the requested documents including damage photos, the invoice from the care rental agency for the repairs, etc. Since filing the claim I started periodically going online at the XXXX site to check status. The status continues to state " Pending ''. I have made numerous calls to the number and, even after waiting for hours on hold, have never had an agent or representative pick up the phone to provide an explanation of the status of the claim. I have also reached out to Chase, most recently on XX/XX/XXXX for assistance with resolving my claim or moving it forward. Chase customer service redirects calls their " Benefit Administrator '' who also doesn't pick up.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023. I have contact all three credit bureaus ( XXXX, XXXX, and Experian ) about a number of accounts. The first contact, I was advised they verified the account and they provided no proof of how these accounts were verified. The following XXXX letters ( XXXX, XXXX, and XXXX ) I requested for proof of what they used to verify these accounts and they have failed to comply with that request. They all have sent the same computer generated response and that was that the accounts were verified. I do not believe these accounts were mine because I have contacted the original creditors and they advise they didnt have any information. So I am now asking the CFPB to assist me with getting this resolved since the bureaus arent willing to help. 

The accounts in question are : XXXXXXXX XXXX XXXX. Account # XXXX XXXX XXXX XXXX. Account # XXXX XXXX Account # XXXX XXXX Account # XXXX
Product: Credit card or prepaid card

I've been a long term customer on auto payment with no issues since XXXX. I recently pulled my free credit report and it shows a late payment hits in early XXXX. DatesXXXX- XX/XX/XXXX. I have reached out to Capital One and had a horrible experience with how I was Treated and their expectations from me when nothing had changed with how I manage my accounts with them. 
Capital One had froze my account in XXXX and when I called to resolve the Issue, they were unable to assist with out me sending a copy of my FULL Social Security card to an email. This was after i verified my full name, address, card number and last 4 of my SSN. At this point I transferred my remaining balance to my new card with XXXX XXXX XXXXXXXX, I was not able to close the account. This was during the height of COVID when it was virtually impossible to get a hold of creditors. 

I hope that Capital one will reverse the XX/XX/XXXX and XX/XX/XXXX 30-day late hits with the Bureaus due to account issues ( through no fault of your own ) with the onslaught of COVID. 

Please let me know if you have any questions. 
Thank You
Product: Debt collection

Sent notice offering option to pay online. Input all information but site would not accept payment. Tried XXXX times with different credit cards but still would not work. All info in website states enter " Credit Card '' type of " Credit Card ''. When I finally called and got a live person I was told that they only accept debit cards or checks for this client. I have wasted hours going in circles to find out that the company IC System , Inc. in XXXX XXXX, MN XXXX intentionally wastes peoples time by not giving accurate information. The DO NOT state anywhere that you can only use a debit card or check to pay them.
Product: Debt collection

This company is the absolute worst. I reached out to them to dispute this debt because I did not recognize this debt. They had no clue of what the alleged amount was or anything in that nature. How can they be allowed to report this information without sending me NO PROOF of the original creditor? Also, I know for a fact this company is nothing but a fraud because they could not answer any questions I had concerning the The Fair Debt Collection Practices Act.
Product: Checking or savings account

Overdraft fees are being charged on this account, for many years, even on one-time debit transactions, though I have never opt-Ed in or out of overdraft protection. 

This is a business checking account that has been continuously active for more than 10 years..over the years I have made some financial errors causing my account to be overdrawn. As a result, i have incurred a lot of overdraft fees. 

I have recently learned that the Overdraft Protection Law of 2010 states that since I never opt-Ed in to overdraft protection, these fees should not have ever been charged. Im not proud to say that over the years, this has probably happened over 100 times, so I am looking at a few thousand dollars that has been illegally been charged. 

My bank has told me that because this is a business checking account, that they are required to pay these transactions. However, in my research, I do not see any special rules for a business account versus a personal account. 

Again, this is happening on all types of debit transactions, including one time transactions. Some, but very few of my fees have occurred due to automatic payments and checks, which according to my research, are the only types of transactions that a bank is allowed to charges overdraft fees on, when a customer has not opt-Ed into overdraft protection. 

My bank will authorize and pay for nearly any transaction, even if there are insufficient funds. Many times I have made a purchase thinking I had sufficient funds when I did not. My account will then be negative with these pending transactions, and as long as I fund the account before those transactions clear, I avoid the overdraft fee. However, sometimes I am unable to fund the account in time, and this is when fees occur. The majority of my fees are a result of this process.
Product: Credit card

In 2008 I lived in a shelter for XXXX and had my identity stolen and a fraudulent credit card was used by someone using my personal information. I reported identity fraud years ago but this credit card is still being reported to the credit reporting agencies and a third debt buy agency has purchased this debt and trying to collect it from me. In the amount of $ XXXX.In addition the statue of limitations has run out on this debt and when these debt buying agencies report it as if it were a new debt. It is a capitol one Bank card. I never received this credit card and would like to have this removed from my credit reports. I do have records of a previous debt buying agency sending me mail and trying to collect this debt. I also have a copy of a credit report from years ago with this credit card on it back in 2008.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an error on my Experian credit report related to my account with XXXX XXXX XXXX which is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. This error has incorrectly impacted my credit profile and caused undue harm, and I demand immediate rectification. 

Despite my consistent payment history and the fact that XXXXXXXX XXXX XXXX  accurately reflect my account status as " Paid as Agreed, '' Experian continues to report this account inaccurately. I have never missed a payment with XXXX XXXXXXXX XXXX  and this misinformation is not only erroneous but also a clear violation of my rights under federal law. Under the FCRA, credit reporting agencies are required to ensure maximum accuracy ( 15 U.S.C. 1681e ( b ) ), and Experian has failed to meet this standard. 

This inaccurate reporting has caused significant frustration and potential financial harm, impacting my credit score and reputation unfairly. I am requesting that Experian immediately update my credit report to reflect the correct account status of Paid as Agreed, Never Late ( PAANL ). XXXX continued reporting of this account inaccurately is not only in direct violation of the FCRA but also constitutes a breach of my rights under the U.S. Code. 

Furthermore, I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and hold Experian accountable for failing to uphold the FCRAs standards. This discrepancy on my report is unacceptable and must be corrected without delay to prevent further harm. If immediate action is not taken, I am prepared to escalate this matter further, as I have every intention of enforcing my rights under the law. 

Please confirm in writing that Experian has updated my report to reflect the accurate account status. I request a resolution of this matter within the 30-day period stipulated by the FCRA for consumer disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sumitted an application to XXXX XXXX  located in XXXX, Florida, on XX/XX/XXXX. I was then informed that a background check performed revealed a eviction and judgement XXXX and was directed to their leasing desk to file a dispute. I disputed the eviction and judgement:1 length of time, 2.the eviction judgment acct. Was included in a previous bankruptcy chapter XXXX filed XX/XX/XXXX & discharged XX/XX/XXXX. I was also informed by the leasing consultant XXXX to provide proof of the order of discharge & would proceed with leasing.. All document where provided. I paid application fees and received a confirmation for the amount due {$690.00} to move in XX/XX/XXXX. When my family and I came into the office on XX/XX/XXXX to follow up with leasing. I was then told that they couldn't assist me at this time & I had to wait 30 days to receive a refund of {$250.00} from the application fee. I explained that the action to withheld the {$250.00} would cause more extreme hardship and that i needed it sooner to provide other adequate housing. Equifax denied providing the lease desk with the information. I've tried to follow up with a dispute to them. No success.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on ( insert date letter was sent to bureaus ) to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NV XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Student loan

Dear Consumer Financial Protection Bureau : On Tuesday, XX/XX/XXXX, I called XXXX XXXX, my current service provider, about an urgent matter. I was told to submit a written request to them and the CFPB to receive assistance regarding this matter. Prior to my loans being held by XXXX XXXX, the service provider for my loans was Navient and its lending predecessor Sallie Mae. 

There is currently a class action lawsuit against Navient by the U.S. Consumer Financial Protection Bureau and the Illinois and Washington attorneys general submitted in XX/XX/XXXX. Pennsylvanias attorney general filed a suit in XX/XX/XXXX. And Californias attorney general filed a suit in XX/XX/XXXX. 

The suit ( s ) allege that since XX/XX/XXXX ( when my loan debts were in the care of Navient and its lending predecessor Sallie Mae ), Navient has : - Misallocated payments. 
- Steered struggling borrowers such as myself toward multiple forbearances instead of deferments ( or income-driven repayment plans ), which accrued undue interest. 
- Provided unclear information about how to re-enroll in income-driven repayment plans, resulting in the accrual of undue interest or negative credit hits. 

The CFPB is asking Navient to compensate borrowers such as myself that Navient has harmed. 

I believe my account and loans were incredibly and unethically mismanaged. Throughout the years my accounts were managed by Navient and its lending predecessor Sallie Mae, I was actively urged to do things that would harm me and my ability to repay what I had borrowed. And, during this timeframe, I suffered all of claims the suits allege. In particular, I was : - Urged to go into forbearance multiple times, accruing undue interest when there were better options available to me as a borrower. ( I most likely also took negative credit hits due to this as well. ) - Unable to effectively allocate payments that I did make, so these monies used as payments were mismanaged, resulting in more interest, and more long-term detriment to my credit. 

I am asking to submit a balances due request for my account. I believe the balances should be adjusted to reflect a compensation of these years of errors on behalf of Navient and its lending predecessor Sallie Mae. 

I am currently enrolled in the Public Service Loan Forgiveness program and I am working diligently to pay down my debts. However, I can not make forward progress if I am back paying on the unfair and unethical business practices of Navient and its lending predecessor Sallie Mae that have harmed me and my ability to pay. 

I am submitting this same request to XXXX XXXX, the Department of Education and Consumer Financial Protection Bureau, as well as to the Federal Student Aid Ombudsman Group. 

I ask for your assistance in correcting this matter so I can expediently pay back what I owe. 


Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verificatio n. On XX/XX/2020, BMO HARRIS BK N A add a hard inquiry on my credit report. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

This company is in clear violation of my consumer rights and deceptive practices. Upon any disputes sent, they fail to correct the data being reported. Which are inaccurate misleading statements along with a violation of privacy and a data breach I was never compensated for. I would like the CFPB to demand payment and force them to remove any inaccurate data immediately
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. The accounts I reported as inaccurate are XXXX XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against TransUnion for failing to properly investigate my dispute, in violation of the Fair Credit Reporting Act ( FCRA ). On [ XXXX XXXX ] I submitted a dispute to TransUnion, including the following documentation to verify my identity : A copy of my Social Security card Proof of address A valid government-issued identification card Despite providing all necessary documentation, I received a stall letter from TransUnion stating that they could not process my request because it did not appear to come from me or an authorized third party. This response is unwarranted and mirrors the issues identified in the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against XXXX. 

Relevant Violations : 1. Failure to Conduct a Reasonable Reinvestigation ( 1681i ( a ) ( 1 ) ( A ) ) : The FCRA mandates that credit reporting agencies conduct a reasonable investigation of disputed information. By issuing a stall letter despite receiving sufficient documentation, TransUnion failed to uphold this obligation. 

2. Failure to Notify Data Furnishers ( 1681i ( a ) ( 2 ) ) : The FCRA requires that credit bureaus notify the data furnisher of a consumer dispute within five business days. Instead of fulfilling this duty, TransUnion improperly rejected my dispute.

3. Failure to Address Identity Verification Requirements ( 1681h ( a ) ( 1 ) ) : Under the FCRA, credit reporting agencies may request verification of identity but must not use these requirements to unreasonably delay or deny a consumers dispute. TransUnions request for more information, despite receiving all necessary documents, constitutes a stall tactic and a breach of this section. 


I have attached the stall letter I received from TransUnion for your review. 

Thank you for addressing this matter. I trust the CFPB will ensure that TransUnion complies with the FCRA and protects the rights of consumers.
Product: Mortgage

Both my husband and I got XXXX back in XX/XX/2022 and payments have been a struggle to make payments
Product: Credit reporting, credit repair services, or other personal consumer reports

I received alerts that my credit was being accessed by Bank of America on XXXX. 
I immediately called BOA today is my fourth time speaking to them. I called XXXX on XXXX spoke to " XXXX '' who stated she was going to flag as " fraud '' and send request to Transunion to have inquiry removed from all three of my credit files. Said be patient as it could take 30 to 60 to 90 days. I waited a few weeks and then called back today to follow up. This time I spoke to " XXXX '' who said XXXX didn't flag anything but she would. She gave me a confirmation # XXXX as she was completing the form another inquiry from BOA came through. I'm getting alerts from everywhere that they accessed my credit file again. Very weird and odd. I never applied for anything w BOA on XXXX or on XXXX. I filed a complaint w my local police dept back in XXXX that I could possibly be a victim of identity theft and fraud. I'm attaching the police report. Also attaching the alerts from XXXX XXXX and a few other creditors who alerted me that BOA checked my credit again today. So I don't care if BOA doesn't have record of the second one there is one. I spoke to " XXXX '' a Manager at BOA who said the credit card dept was probably adding notes from the first application when the second one happened. Coincidentally it was done at the same time I called in. REMOVE ALL INQUIRY ASAP. Four attachments total.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-proided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a Consumer.
Product: Credit reporting or other personal consumer reports

A notice of dispute was not placed on the following credit accounts that are being disputed and I want to use this for grounds to remove these account from my credit profile : - XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX Credit card number : XXXX XXXX XXXX XXXX Credit Card Holder : XXXX XXXX Based on the Fair Debt Billing Act ( FCDB ) I disputed unauthorized/fraudulent charges totaling {$9700.00} on my credit card account number referenced above. I requested that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. These credit card charges took place in a period of five days ( XXXX XXXX XXXX, 2018 ). Upon discovering these charges, I immediately reported them to XXXX and my account was closed. These charges were done online and XXXX is not able to provide proof of debt. I've written to XXXX twice, regarding my dispute of these charges. The written disputes were sent on XX/XX/2018 and XX/XX/2018 to : XXXX XXXX Customer Service Attention : Fraud Department/disputed charges XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX. I have been served with a summons by their attorney and based on the " Fair Debt Collections Practices Act '' this collection is in violation of the FCPA. I attempted to contact the attorney, and submitted a copy of 3 letters previously sent to XXXX, presenting my concerns regarding the fraudulent charges and complaints filed with the credit bureaus. Their lack of response is very frustrating. I am in desperate need of your help. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, WELLSFARGODEALERSVCS add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX 
On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.