23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX I checked my credit card statement through the Navy Federal Credit Union App and noticed 6 pending charges from XXXX I have made purchases from this website before and have an account through their membership program however I had not made any recent purchases with my credit card at that time. I immediately called my banks fraud department and filed a claim. The agent noticed the multiple charges all within the same day and proceeded with my claim. He then issued me a new credit card. On XX/XX/XXXX I received a message stating there was no fraudulent activity and that the charges were to be placed back onto my account. Confused, I called the member services line to file a dispute. I submitted my first appeal XX/XX/XXXX and was sent a response XX/XX/XXXX stating once again that there was no fraudulent activity. When I had requested the reason for the denial, I was told that it was classified. The agent on the phone explained that they are not given this information. Im providing ample proof of why these charges are fraudulent, yet Navy Federal can not give me a reason or explain how there was no fraudulent activity. On XX/XX/XXXX, I submitted a second appeal providing even more information as to how these charges were not made by myself and how I believe my card information was taken from the XXXX website. I received no response until I had to send a follow up message on XX/XX/XXXX requesting an update. The next day XX/XX/XXXX I received the same automated response stating no fraud has occurred. Ive called member services many times and no one can give me an answer as to why they continue to deny my claim. Ive gone in person to their branches to speak to someone so I can get an answer and they are not able to give me one. There is {$320.00} worth of charges that Navy Federal refuses to rectify. Ive tried reaching out to XXXX and they instructed me to file a dispute with my bank.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Transunion for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge XXXX Amount : {$17000.00} I have previously disputed the accuracy of this charge off account with Transunion and provided evidence that the information is inaccurate. However, Transunion has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a number of letters to disput these items and Ive also asked for fraud alert to be placed on all three credit bureaus. I have filled out paperwork and sent to both the credit bureaus and the credit card companys explaining that these accounts are not mine and I cant seem to get any help with getting these accounts removed. Ive even offered to pay the accounts to be removed and no response from the credit card companies or the bureaus after 55 days from the first letters being sent. I have also asked for proof ( methods of verification ) to be sent to me after getting updates that the accounts were verified. No response to those request only one very unprofessional email from XXXX  and nothing from TransUnion or XXXX about these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I am writing to dispute the inaccurate information in my credit report that you have reported to hurt my credit score. Specifically, your report indicates that I have an installment loan account that is open, but in fact, this account has been closed. 
I would like to bring to your attention that the Fair Credit Reporting Act ( FCRA ) grants me the right to receive accurate information on my credit report. According to the FCRA, credit reporting agencies must ensure that the information they report is accurate, up-to-date, and complete. Any inaccurate information can damage my credit score and cause harm to my financial reputation. 

The FCRA also mandates that credit reporting agencies must investigate any disputes brought to their attention by consumers. As such, I request that you investigate the inaccuracies in my credit report and correct the information as necessary. 

Furthermore, I would like to remind you of the requirement under the FCRA that credit reporting agencies must provide consumers with a free copy of their credit report once every twelve months. I request that you provide me with a free copy of my credit report so that I can review the accuracy of the information. 

In addition to the FCRA, there are also other consumer protection laws and codes that protect my rights as a consumer. These include the Consumer Credit Protection Act, the Truth in Lending Act, and the Fair Credit Billing Act. These laws mandate that credit reporting agencies must adhere to strict standards of accuracy and transparency when reporting credit information.
Product: Credit card or prepaid card

A few years ago, an individual stole my personal information and opened several accounts using my personal information and it has ruined my credit. I have explained to XXXX XXXX XXXX and SYNCHRONY BANK, that I did not apply for the credit card nor did I make any purchases totaling {$860.00}. I was requested to make monthly payments while SYNCHRONY BANK investigated my claim. Then with out notice, I had multiple calls at all hours of the day, from XXXX XXXX XXXX, a collection agency, telling me that I needed to either make one payment of {$470.00} or set up a payment plan. The company made it seem as if they didnt care that my identity was stolen and this was a fraudulent purchase and account, or that I had filed a police report and the individual was arrested. Fast forward from XXXX to XXXX this account has been reopened and is back on my credit report.
Product: Credit reporting or other personal consumer reports

I am filing this complaint on my own behalf to urgently bring attention to the fraudulent personal information linked to my identity. I noticed certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. Regrettably, I have become a victim of identity theft and have taken immediate action by reporting the incident.
Product: Vehicle loan or lease

To Whom It May Concern : First case CFPB # XXXX GM Financial Acct # XXXX On XX/XX/2018 I submitted a complaint to the Department of Agriculture regards my pay off amount disagree and discrepancies on payments and months to go, but GM financial did not response to Dept. of Agriculture or at least before I submitted the complaint to CFPB. After I submitted my complaint to Consumer Financial Protection, and received an email that GM Financial responded to the complaint and sent a letter to me which I just read it. I have not made the {$260.00} payment from XX/XX/XXXX, waiting for CFP response. Because I am not agreed with their response, I called again to CFP and spoke to an agent. Even with the deferred and overdue payments and the contract that I signed, this car is paid off. I already paid to this XXXX XXXX and if I add the {$260.00} for the month of XX/XX/XXXX the total amount will be {$18000.00} summarizing my payments with the statements I received from GMFinancial, with a margin of error. I paid this car double ( 2 cars payment in one ). Therefore, I think is not fair to continue making payments to this account. This is inhumane for me and for others who have been through the same or worse. I am going to send my last payment which was due on XX/XX/2018 according to their contract a car in the amount of {$6900.00} at an interest rate of 16.25 %, repaid in 72 months installments in the amount of {$260.00} per month, 72 months already passed and the total amount as you can see exorbitant. 
Hopefully you can help me to solve this situation in a fair way. 
Thank you so much XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and notice there were some inaccurate information that will need to be removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 
Please Delete incorrect names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Please Delete Address that does not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Ohio XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX Ohio XXXX XXXX XXXX XXXX XXXX XXXX Columbus XXXX Ohio XXXX Please Delete Telephone numbers that do not belong to me : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX This is my number ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

700 Credit LLC/XXXX accessed my credit on XX/XX/year> without my consent or a permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b.

I did not initiate any transaction or relationship with 700 Credit LLCXXXX that would give them lawful access to my credit report. Under the FCRA, companies may only access credit reports for specific purposes, such as when a consumer applies for credit, or when there is a legitimate business need initiated by the consumer. This unauthorized soft inquiry, while not directly affecting my credit score, is an unlawful invasion of my privacy and an infringement on my rights as a consumer under federal law.

This unauthorized inquiry poses a risk to my personal and financial security, as it involved access to sensitive information. 700 Credit LLCXXXX willful violation of the FCRA reflects negligence and disregard for consumer rights. Under the FCRA, I am entitled to statutory damages for this violation, even if no direct financial hard occurred, as the law prioritizes consumer privacy and security.

Relevant Laws : - 15 U.S.C. 1681b ( FCRA ) : Limits access to consumer 's credit report to specific permissible purposes- 15 U.S.C. 1681n : Entitles consumers to statutory damages of up to {$1000.00} for willful non-compliance with the FCRA, even if no actual damage occurs.

Requested Remedy : I request the CFPB 's assistance in ensuring that 700 LLC 1. Ceases any unauthorized access to my credit report in the future.

2. Pays statutory damages of {$1000.00} for violating my rights under the Fair Credit Reporting Act ( FCRA ) 3. Takes steps to prevent future unauthorized credit inquiries from occurring.
Product: Mortgage

Santander Bank and XXXX has act in a corporate manner to charge undisclosed fees.
Product: Money transfer, virtual currency, or money service

PayPal is holding funds for item that I sold and wont allow me to have MY funds for 180 days. this is illegal in my home state of WV and am requesting the funds be released per law, IMMEDIATELY.
Product: Payday loan, title loan, or personal loan

Loan taken out with Lending USA at XXXX of XXXX. Originally spent {$2700.00}. This was cost of puppy, and all the dog food, vitamins, crate etc that the store said I needed. If I didn't use their dog food and their vitamins then it voided the warranty on the dog if something happened to it. Needless to say there were many vet trips due to XXXX XXXX, XXXX XXXX due to it being in a crate and had swallowed XXXX among other things. I have already paid of {$1500.00} on the account and they are only showing my balance down to {$2700.00}. If this is the rate, it will never be paid off. The terms given to me by the rep who did the financing and what I have actually ran into have not been accurate. They are applying little to my principal and I feel I was over charged for the dog at {$1600.00} when I realized people made offers on dogs and they took them. I was never told that was an option. I feel like they are using these poor animals and just scamming people.
Product: Credit reporting or other personal consumer reports

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$840.00} XXXX XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Product: Mortgage

I am supposed to close on my mortgage loan with Mortgage Center on Thursday XX/XX/XXXX per my purchase agreement with the seller. My realtor and I were unable to contact them last Thursday and Friday after multiple attempts to multiple employees ( processor, manager, main line ) to ensure everything was received on time. 

Yesterday, XX/XX/XXXX, Mortgage Center said they did not receive documentation from the title company that had been sent on XX/XX/XXXX. 

Today, XX/XX/XXXX, they told me I needed more money in my bank account without disclosing all the numbers. I went and got a check and gift letter from my father to put into my account within an hour of receiving this notification even though I surmised I had enough money. 

An hour later Mortgage Center gave me my predisclosure which showed my {$990.00} homeowners insurance that I prepaid as a homeowners association fee that I haven't paid. The predisclosure also did not show my {$5000.00} earnest money deposit. I notified Mortgage Center to fix these two issues and they emailed me that I need to sign the form or I will not be able to close on XX/XX/XXXX ( a day late ). I told them I would not be signing an incorrect form and the changes should be made. Furthermore, when these changes are accounted for, I did indeed have enough money without asking for my dad 's check or gift letter.
Product: Credit reporting

I disputed a collection account that is still showing as an " open account '' ithis s account was discharged in my bankruptcy XX/XX/2015. I called the collection co. in question after viewing my trans union credit report. i was told by the collection co. rep " XXXX XXXX '' that the account is being reported correctly. spoke to attorney XXXX XXXX and was told they have to update and report the account correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy, 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for and purpose
Product: Credit card or prepaid card

I have the XXXXXXXX XXXX XXXX XXXX and the Hilton Honor XXXX  card with AMEX. 
On the XXXX XXXX XXXX XXXX, I made a purchase at a XXXX XXXX  using this card and according to AMEX advised this card earn XXXX points for purchases at a XXXX XXXX and XXXX is a XXXX brand but I did not earn the XXXX points like it advertised also did not earn the XXXX statement credit for this purchase. Another purchase later than the XXXX one already showed up XXXX points and the statement credit. I spoke to an AMEX agent and the agent only said I should wait 8-12 weeks for the statement credit but did not answer why a later one already showed up the statement credit and all the agent can do was open an inquiry but because it was labeled as inquiry the AMEX agent said there is no time frame for inquiry case and it could take as long as possible to solve. 
On the XXXX XXXX XXXX card, I have a purchase I made at a XXXX hotel but it did not earn the XXXX points like AMEX advertised for purchase made at a XXXX XXXX. A case was opened earlier and I was told to wait XXXX weeks for an answer so I came back 7 weeks after and an agent told me that I was misinformed there is no timeframe for this case and it could also take as long as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. Kindly remove these items ASAP. Thank you. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries that I do not recognize or did not authorize appearing on my credit report XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A local electric utility, charged me for months with readings from my neighbor 's meter. The probleme was investigated and the balance corrected after a lengthly complaint process with the Delaware Regulatory commissioner. On the phone, they promised to correct the issue. I demanded to have a new invoice, showing new balance. This was in XXXX. I attempted to pay with a credit card the corrected invoice, but could not, unless I provided my social security number - which I refused. Not until XXXX, when I tried to acquired a car that somehow, the balance shows up on my credit report. Reported by an agency OUT OF STATE. So I undergo a rate abuse!!! However, on a $ XXXX loan, which I paid off quickly and by same reduce insurance coverage. The entry goes away again, until this XXXX, when I began exploring a mortgage. I located a home and wanted a pre-qualification letter. XXXX XXXX ' said the high school drop out mortgage originator! 
Here 's the XXXX email : " XXXX XXXX. Per our conversation today, I am not able to issue a pre-approval. If we did the first time buyer program, I would need to base your income on what you reported on your last 2 years tax returns. If we didnt use the first time buyer program the rate would be 5.25 % based on your score of XXXX. I am sorry, but I dont have enough income based on the documentation provided to get you qualified to purchase a house in the {$180000.00} price range. Let me know if you have any questions. Thank you, " The XXXX score is made that low because of one credit agency only " XXXX. '' Who refuses to correct the derogatory entry from the utility. The other 2 agencies made the correction. XXXX, is more interested in selling me " protections I don't need! 

Please find attached a document showing a self-assessment on a the above mortgage. The guidelines are all in there ... Please help solve this woodoo. The bigger issue for me is to have a place where my 15 yo son, could come visit in, and learn to be a man, because at this point, he's the copy of his mother!
Product: Mortgage

We recently had a XXXX XXXXXXXX Bankruptcy discharged in XXXX of 2021. Specialized Loan Servicing ( SLS ) is our mortgage lender since they bought our loan from XXXX XXXX over six years ago. We have always paid the mortgage on time. SLS claims our XXXX and XXXX payments for 2021 were late but that was not the case. SLS posted the payments incorrectly and we did not become aware of the problem until we received a XXXX Statement showing that we owed more and claiming that we owed a past due amount. We tried contacting them through phone calls and letters but SLS is still making the same claim. We provided bank statements showing that all payments had been made on time for the past two years but SLS is still refusing to update their records and remove the late reports from the credit bureaus. We have tried complaints to the XXXX, SLS still claims we were late two months. We have tried the credit bureaus and received the same results and no changes to our credit report. 

We have been denied a cash out/refinance because of this. Even though the lender can see the error made by SLS via our documentation we forwarded, the lender states that they have to adhere to the government guidelines and denied us the loan because of the two late payments but they did empathize with our situation. We now have to wait four more months until a solid year of no missed payments shows on our credit. We are being penalized for SLS error with our mortgage.
Product: Credit reporting or other personal consumer reports

I am responding back to the investigation on my reprt from XXXX  and transunion. Somethings on my reprt doesnt look right. I am seeing some incorrect information. dates, account #, amounts dont match up across both buraues. I need a reinvestigation on the accuracy of my account.
Product: Debt collection

Based on the agreement with lawyers - I was asked to pay XXXX by a certain date- which I did and noticed there is still an outstanding balance no closed or settled. 

The company breached their agreement.
Product: Student loan

I saw that my student loan was raised by over {$5000.00} within a 30 day period when I 've been out of school for over 8 years. I attending XXXX in XXXX XXXX, Florida