23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1900.00} XX/XX/XXXX are not accurate. 
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: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion should not be reporting that I am ( 30 ) days late for XX/XX/XXXX on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was transferred to XXXX XXXX  and unfortunately the late was generated during the grace period for the payoff and consequently is now reporting in error. ( I have attached a copy of the letter dated XX/XX/XXXX from XXXX XXXX. ) Please note paragraph ( 4 ) of the letter stating beginning on XX/XX/XXXX payment, all future remittances should be sent to the address listed above. Because the payment was remitted to the new address well within the grace period for transferring a loan, this late that is reporting needs to be removed. This false reporting of a late is seriously harming my credit. I have contacted the bureaus to remove this however, I have not been successful.
Product: Checking or savings account

In or about XX/XX/2020 my bank account from Bank of America was closed due to a fraudulent deposit from the state of Arizona for unemployed benefits. I have never been unemployed. At that time I was serving as a health care recruiter for the US ARMY station in New Jersey. I told them that I was station in NJ and that I don't received any benefits specially from AZ. During all this time we been going back and forward with this issue and we always get its still getting investigated. My wife account was closed with {$15000.00} dollars and they refuse to give back the funds. Multiple times we get told that our cashiers checks are made but they are in a office that handles the investigations. I have provided all my pay stubs from DFAS and nothing. We are advised by the customer service to call every day but our efforts are not enough. By this I request assistance in this matter.
Product: Credit reporting or other personal consumer reports

LexisNexis is continuing to report inaccurate information on my consumer report. My name is XXXX XXXX there should be no other names on my report if there is it should be removed immediately it is causing me identity issues. My address is XXXX XXXX XXXX XXXX, IL XXXX there should be no other address on my report it is not correct and causing issues with my mail delivery and credit report. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account claiming that the information they present is accurate, with which I greatly disagree. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I need the account corrected as soon possible : XXXX XXXX XXXX XXXX
Product: Debt collection

Tried to open a checking and saving account was told no because I suppose to owe SunTrust Bank {$900.00} which I never had an account with them.
Product: Payday loan, title loan, or personal loan

Bridgecrest formerly XXXX  Date XX/XX/2021 Amount XXXX This company had me believe that I was only paying XXXX altogether but later on tells me they added interest of the vehicle which came out to almost {$32000.00}. I was not aware of this because when I filled out the application it was telling me the interest was already included in everything but I will get preapproved for XXXX and when I asked him about the hidden fees, they told me it was just interest, so I gave them a car back because they car they try to sell me had multiple problems when they gave me the car as I was driving down the street the car was being rained in while it was raining outside so the whole interior get wet and I asked him to swap me out a new car but they told me no they cant. They just gon na keep fixing the car. Ive had the car fixed in the same problem still occurred so I finally got tired of it. Just let them repossessed a car they overcharged me for a car and my credit score was about maybe a XXXX at the time and they told me thats all I can afford. When I know I could afford something better and didnt wan na give me my money back when I ask for my money back within the seven days. And didnt want to take the car back at all. They laughed and lied about a lot of things. Made a fraudulent misrepresentation or advertising regarding the car you purchased. The car had mechanical issues shortly after you bought it
Product: Credit reporting, credit repair services, or other personal consumer reports

the bankruptcy is reported as discharged however the case was dismissed as incomplete information and never the bankruptcy never happened
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB Card Services pulled an unauthorized credit report for me. See attachment. Please have this credit inquiry and the subsequent debt cancelled as it is fraudulent. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to challenge the reporting and compliance of my credit report. 
15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of. It has been XXXX days and you are in XXXX of this law because i am a victim of identity theft!! Please delete all items mentioned in my FTC report off my credit report. 
These accounts should not be furnished on my consumer report as they are in XXXX XXXX XXXX XXXX XXXX XXXX a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
I have NEVER given any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of all accounts listed IMMEDIATELY!
Product: Credit card

I was sent a promotional advertisement by Credit Karma which theyve called the Karma Guarantee on their mobile app. This promotion states that they guarantee approval for a credit card through their partner company and if the partner credit card company declines the application then credit karma will pay {$50.00} to the applicant. Ive applied for a card that this guarantee was offered by Credit Karma on two separate occasions and both times after applying my application was denied by the member company which is XXXX XXXX. 

Ive included the documentation that XXXX XXXX has provided to me stating its declined and even provided the date of the denied application. Ive contacted credit karma via their live chat and over the phone and requested the money as per the guarantee. In both instances over the phone and live chat Ive been told that they are escalating the request to a senior specialist and I will be receiving an email within 48 to 72 hours and to please keep a lookout for my email. Ive tried for over a year now to obtain the {$50.00} provided in the guarantee and screenshotted the guarantee to provide it here in the complaint. Both instances Credit Karma has not responded or sent a response. I also reported this transaction to the XXXX XXXX XXXX for further investigation and Credit Karma has not responded and provided a pdf document that states this and the XXXX recommended that I file the complaint with the CFPB for further assistance.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/year>, 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 XXXXXXXX & XXXX XXXX Date of XXXX
Product: Debt collection

I Have Sent This company a cease and desist this company has refused to adhere to the federal guide lines by ignoring my request in my attempts to resolve this matter the company has also been found to impose as a collection agency when it is listed that this company is not legally blinded and or insured to collect in the state of MA. Please have this company cease all collection activities this is my last attempt to complain outside of court.
Product: Mortgage

Beginning of Covid in XXXX our mortgage payments were refunded twice. I called and they said payments were suspended due to lock down. At the end of 2 years I was told I had to pay back payments totaling over {$89000.00}. Which I didn't have. In XXXX of XXXX my husband died after a long illness of XXXX. I was threatened with foreclosure. Since XXXX of XXXX I have sent in modification loan documents over XXXX times, only to be told something was always missing or I left out information. I had to take out bankruptcy in XXXX in order to stay in my home. The latest round was the final straw, again I am being told they didn't get the correct info and it was received late. I am XXXX XXXX XXXX with numerous health problems including XXXX XXXX. All I want is to be treated with respect and fairly. Help
Product: Credit card

I made a payment to Discover credit card, in the amount of {$400.00} online on XX/XX/year>. The payment statement, that I've printed on XX/XX/year> states ; INTERNET PAYMENT - THANK YOU. On XX/XX/year> it states ; RETURNED INTERNET PAYMENT. That being said, I check my balance to make sure that my bills are paid. Before it's taken out it is pending on my account. I always check 2 are 3 times a day to make sure they are paid. Some days later, I checked on Discover and the statement said it was returned as stated before on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report in TRANSUNION. It indicated that the credit inquiries were made by the credit companies listed below. However, these inquiries were not authorized by me. Therefore, I am writing to dispute these inquiries and have it removed from my credit report. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XX/XX/
Product: Credit reporting, credit repair services, or other personal consumer reports

This account contains a finance charge, which is the sum of all charges. Therefore, this account was paid in full upon the bank obtaining my credit card ( social security card ). This account should never be delinquent for any reason whatsoever, due to it being opened under an open ended credit plan.
Product: Student loan

On XX/XX/2023 I sent a notice of dispute letter to Nelnet for inaccurate credit reporting on my credit report which is reporting missing information and inaccurate late payments that's reflect on almost several different accounts. I told Nelnet what the inaccuracies are and highlighted the section in which there were inaccuracies. They are responsible for thoroughly investigating the accounts since they are the data furnishers of information. On XX/XX/2023 the letter I wrote them was received. On XX/XX/2023 Nelnet wrote me a letter back which I received XX/XX/2023 of Nelnet stating that the account information was not going to be changed. I have provided this company with sufficient information, and they are assuming different. I'm not going to over prove myself to a company that is misreporting MY private account information. This is also my very first time disputing the inaccurate account information. It is a fact that this company did not do a thorough investigation into the matter which takes up to 30 days. Nelnet has violated my consumer rights per 15 USC 1681s-2 responsibilities of furnishers of information to consumer reporting agencies and 15 USC 1681o Civil liability for negligent noncompliance, and 15 USC 1681 Civil liability for willful noncompliance. This is unfair credit reporting practices and as a result Nelnet has shown themselves untrustworthy when reporting my personal account information to the Consumer Reporting Agencies. I want the inaccurate accounts that are still currently reported on my credit report deleted because it is affecting my credit worthiness, and the company has already proven that they are not going to correct the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX {$100.00} XXXX XXXX XXXX XXXX this account was fraudulently opened in my name please delete it from my credit report
Product: Mortgage

Wells Fargo Home Mortgage claims a {$17.00} late fee for XXXX 2015 was never paid. I paid that fee plus {$0.00} in additional escrow as I specified on my mortgage stub. Bank then added them together and put {$17.00} in " Unapplied Funds '' claiming XXXX late fee was never paid. They use this tactic repeatedly to make it appear borrowers are in arrears falling 3 months behind in late fees so they can accelerate mortgage payment and/or begin foreclosure against borrowers.
Product: Mortgage

Caliber Home Loans transgressed federal law in servicing our mortgage escrow account, namely FDIC 6500 - Consumer Financial Protection Bureau PART 1024REAL ESTATE SETTLEMENT PROCEDURES ACT ( REGULATION X ) XXXX ( c ) ( 1 ) ( i, ii ) Caliber Home Loans exceeded Federal limits for cushioning our mortgage escrow account from XXXX, XXXX to XXXX. XXXX. They exceeded the legal limit by nearly 100 %. They were allowed to charge us only one sixth ( 16.67 % ) of the estimated total annual payments made from the account ( ex. taxes, insurances ) for the cushion. Instead, they charged us over one third ( 34.06 % ) of the estimated total annual escrow payments declared in the attached mortgage closing documents ( i.e. {$520.00} per month versus {$400.00} per month ). 

Additionally, Caliber Home Loans sent us a check on XX/XX/XXXX and declared our new payment on the fixed rate & term loan would be much lower ( {$1400.00} instead of {$1600.00} ). Since that time, our mortgage escrow has been underfunded every month ( - {$98.00} monthly ), despite our making full and timely payments. Instead of the estimated escrow payment of {$400.00} declared at closing, Caliber Home Loans are charging only {$300.00} since XXXX XXXX. As a result, our account is now negative by {$580.00}. 

We contacted Caliber Home Loans last week ( XX/XX/XXXX ), asking for an escrow analysis. The agent on the phone said the XX/XX/XXXX check was sent in error, due to software problems. However, the analysis Caliber Home Loans produced at our request was incomplete. 

Due to the above illegal mismanagement by Caliber Home Loans, we A. were hindered from refinancing our mortgage from XX/XX/XXXX - XX/XX/XXXX due to Caliber Home Loans asserting irregular adjustments to our mortgage payments ( making it appear that no other loan anywhere would be a financial benefit ). 

B. were forced to continue in the FHA mortgage with undesired mortgage insurance C. have become distrusting & wary of Caliber Home Loans, yet stuck with their illegal and unethical services, because the market now makes it impossible for us to refinance to our betterment.
Product: Debt collection

I hope this letter finds you well. I am writing to address and request your assistance in resolving a matter related to late payments that have been reported on my credit account under your bureau. 

Upon reviewing my credit report, I have noticed that there are late payments recorded on my account, which is a cause for concern. I understand the importance of accurate and up-to-date information on credit reports, and I am committed to maintaining a positive credit history. 

CALIBER XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or CALIBER customer service representative. XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I kindly request that you investigate this matter and, if appropriate, correct or remove the late payments from my credit report. I believe that rectifying this issue will more accurately represent my creditworthiness and financial responsibility. 

Enclosed with this letter, please find any supporting documentation or evidence that may assist you in your investigation. 

Thank you for your prompt attention to this request.
Product: Checking or savings account

I have had a Charles Schwab account for a while and due to my husband 's unemployment, we have had overdrafts - I don't mind paying when there is a legitimate overdraft. However, Charles Schwab routinely holds my deposits and will not release the funds - even well after the funds have been substantiated - and continually charges me overdraft fees. This month alone I have been charged {$150.00} mainly because they will not release the check funds. This is very unfair and one of the checks is written from my very own account so I know that the money has cleared the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNAUTHORIZED CHARGE WAS ON MY ACCOUNT CALL HAD A NEW CARD ISSUED STILL HAVE CHARGE ON ACCOUNT.
Product: Money transfer, virtual currency, or money service

I am formally writing to express my concerns on how Zelle company do business or have been doing business. Also, and the way they have addressed my claims. particularly with the recent lawsuit from CFPB that highlighted significant issues in the platform. Despite of using Zelle on different occasions and reporting the discrepancies to my financial institution, and Zelle, which they both have failed at investigating my claims adequately. They both informed me that recovering lost funds and tracking them was impossible. Which it has allowed repeat offenders to exploited the platform/system. This leaves users like me and thousands of others vulnerable to a scams.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXXXXXX XXXX I looked at my Experian credit report on XX/XX/2024 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 ( XXXX ) 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.