23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Subject : Complaint on processing of payment and credit reporting. 


I am writing to express my deep dissatisfaction with the payment process and recent credit reporting issues related to my mother 's credit card account with PenFed. Since more than two years ago, it has been a case of me being regularly called to make payments on behalf of my mother since she doesn't like doing so online. So far, both parties have been attempting to make this payment on time ; the problems we met have been quite a few and entirely unnecessary : 1. Phone Payment Restrictions : PenFed charges {$5.00} to make a phone payment and will not permit more than {$30.00} to be paid over the phone, citing that it is " her account '' when I am formally listed as one able to manage payments. This has been very inconvenient for us, living outside of their retail footprint. 

2. **Recent Payment Issue** : It was assessed that, after the mailing in of a payment, PenFed did not process it in good timing. To this end, I was reported late, and my credit score drastically fell by XXXXXXXX XXXX This is particularly regrettable in light of the fact that. 

3. Forced Usage of the Internet : The recent reviews in payment policies are tweaked to force customers to adopt online modes of payment, which my mother has strong personal preferences against. 
I am at this moment asking for some actions by PenFed Credit Union. 

- Reverse Effect of Credit Score : Immediately withdraw the late payment report and refund my XXXX decline in my credit score due to their failure to process my mailed payment on time. - **Review of Payment Policies** : Review your payment policies concerning customers who would instead make payments by phone or mail without excessive fees or unwarranted restrictions imposed upon them. 

I am confident that these measures are only an equitable and just tradeoff to make up for the injustice done to my credit score and also give customers more user-friendly options for future payments. I look forward to your quick response and resolution of these issues.
Product: Credit card

As an active military member, I have been associated with Navy Federal Credit Union for some time now, maintaining multiple accounts with them. Recently, I approached them regarding a concern I had about the interest rates on all my current and previous accounts, and whether they could align them with the provisions outlined in the SCRA ( Servicemembers Civil Relief Act ). Although I am aware that my debt was incurred after my active duty commencement, I find myself burdened with exorbitant interest rates that seem unfair. Hence, I kindly requested Navy Federal Credit Union to consider adjusting my interest rate in accordance with the legal requirements stated in the SCRA.
Product: Vehicle loan or lease

This is a complaint against Experian, this complaint is because I sent all the supporting documents of the identity theft and they have not yet deleted the account that was opened without my authorization. The law is supposed to say that if an account was opened under fraud, the credit agency must block the information and Experian has not done its job, I sent the dispute and they do not take XXXX minutes to give a response or even evaluate the dispute..
Product: Credit reporting or other personal consumer reports

{$7800.00} XXXXXXXX XXXX XXXX - Disputed Information and they did not remove from my credit report ZionDebtHol # XXXX - Account Number XXXX - Disputed information and it was not removed from my Credit Report
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill it's legal obligation under fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on 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-provided evidence to furnishers, accepting unreliable responses, and failing to adequately unreliable responses, and failing to adequately unreliable notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed despite the evidence I 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

My credit report was improperly targeted due to government corruption.They had a deceased person that was married to another man on my report on person.This person stole my identity and was using it in another state Virginia.This person was affiliated with the Military also and was involved in criminal activity being arrested all over the state of XXXX want to know why was it on my Report.Secondly they had the XXXX XXXX XXXX  XXXX XXXX for years when a XXXX crime was committed on a military base involving this alleged child.I got all the proof that I was targeted to cover up a crime a civil claim will be coming forth .I dont agree with any adjustments that were supposedly made the damage has been done over several years.You sent XXXX XXXX XXXX XXXX XXXX address to harass me because I know the truth.My score has not changed no way no how its still the same.I reject this wholeheartedly and legal action is going to be taken, my Life was ruined to hide. Criminal offense XXXX will be hearing about what happened to me.Im not satisfied and have suffered living in substandard housing due to lies .There was not correction to anything expect hiding this deceased person it was also hidden in my military record and this person was legally married to a man laying in bed with him.Dont send me anything else regarding credit I wont be participating in anything I will be suing everybody that has been identified. 
Sincerely XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I sent documents requesting to have my address and employer updated on my credit file and It was refused. I also called and spoke with someone and my request was refused after answering security questions and on hold for 45 minutes. This happened on XXXX out of the XXXX credit bureaus. XXXX did update my address but the other XXXX refused my service ( Equifax and XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax, and XXXX are required to authenticate this account It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$1000.00}
Product: Debt collection

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it More so, they didn't follow the proper five validation procedure which makes this an unfair practice.
Product: Debt collection

I had XXXX ( XXXX ) Collections that were placed with XXXX XXXX XXXX and XXXX in XXXX. XXXX XXXX {$500.00} credit limit ( now show that I owe over {$1500.00} ). How can the payoff be more than the credit limit on the card when there was a {$300.00} credit balance left on the card. I called XXXX XXXX XXXX 's office to settle the acct. for the original credit card balance and was told by a XXXX XXXX representative that they would not except the payment2. XXXX Credit card {$1500.00} credit limit ( same thing happened as with the XXXX XXXX. There was an XXXX representative at XXXX XXXX XXXX that said they would not except the {$800.00} that I offered. After making several attempts to pay the collections I then pull my credit report to find that XXXX was sold to another collection agency named Portfolio Recovery and they are now and has been reporting me late every month since XXXX Who are these people and how is it that the account was sold while being handled by an attorney? 
This now appears XXXX on my credit report, which is affecting my overall score. 

I am really at a lose and do n't know what I should do from here.
Product: Mortgage

I was contacted on or about XX/XX/XXXX by a representative from Freedom Mortgage about a VA Streamline refinance program for people that have homes with a VA Loan. I explained in great detail that the property located in Illinois was tax exempt. Meaning, I do not pay property taxes on this home due to my status as a XXXX veteran. The laws for XXXX XXXX XXXX exemptions and eligibility are available on their web site. I provided Freedom Mortgage with a copy of the escrow waiver agreement that I signed with the previous mortgage company to show that the payment I make does not include escrow amounts for taxes. The closing documents did not show this change and despite my complaints the streamlined refinance was still initiated and completed by Freedom Mortgage. I have called their office a total of 12 times and sent four email messages to which I have had no response. My mortgage payment has now gone from {$990.00} per month to {$1400.00} due to the increase in collection of property taxes ( for which I am exempt ). I have been unable to get a resolution with the representatives of this company. I have attached a copy of the XXXX taxes that are due on XX/XX/XXXX which shows XXXX  taxes. I have sat on the phone for hours explaining the tax issue to representative of Freedom Mortgage only to be transferred and put on hold several times. I would like your assistance in resolving the issues with the escrow for property taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has violated my consumer rights and the FCRA laws on numerous occasions. I sent them an official statement on XX/XX/2021 with FTC REPORTS letting them know that these accounts were fraudulent. they were to remove these accounts in 4 days of receipt of my letter according to 15 USC 1681c-2. 4 days has came and went and these fraudulent accounts are still on my credit report. Over thirty days ago, I wrote to each credit reporting agency ( XXXX, Equifax, & XXXX  ) indicating my dispute off information on my credit report on XX/XX/2021. A copy of the original letter accompanies this correspondence. as of today XX/XX/2021 XXXX, Equifax, & XXXX  have not responded to my dispute and therefore they must remove from my credit file all information disputed in correspondence. under the FAIR CREDIT REPORTING ACT, XXXX, Equifax , & XXXX  had 30 days to complete their reinvestigations of disputed information. This 30 day mark has come and gone without any response from XXXX, Equifax, & XXXX. I am asking for the CFPB 'S assistance in the verification of the removal of the disputed data from my credit report. please send to my address provided at no cost to mean updated credit report at no cost to. this is complete XXXX that they violated my consumer rights and made me feel powerless.
Product: Checking or savings account

So for the past few months ive been self employed and i bank at truist financial they put a hold on everyone of my legitimate checks XXXX or under even when they know the check isnt possibly fraudulent due to the fact its from the same home builder everytime and the first excuse was because its a new account so after tge 90 days they kept using that excuse well one time i overdraft because i was waiting on a check to clear well that check cleared and i had a new check from a job i completed went into the bank and they said we are putting a hold on this check because youve over drawn in the past 6 months truist bank is using the check hold law over excessively all banks are it puts us consumers in a terrible situation i spend 3 weeks sometimes months on jobs finally get the job done get the buisness check just to be told i have to wait another 7-10 days on my hard earned money truist bank and many others need to be held accountable
Product: Mortgage

I have a loan with a payment of XXXX, and I am not escrowed. The company raised the payment to XXXX for no reason. I know it isn't a lot of money, however if they are committing fraud to me then they may be committing fraud to other customers as well. I have no notified the media yet.
Product: Mortgage

My client is XXXX XXXX and I have been working with her toward a loss mitigation resolution since XXXX 2014. We had an equator file open for her so the property was supposed to be in the marketing status - waiting for an offer. In XXXX an offer was received, the equator file had been closed out - without any notice to me or to the borrower. I reopened the equator file XXXX and had to email to ask when nationstar would send me some tasks. Over the next few weeks I submitted documents as requested. The BPO was supposedly ordered XXXX XXXX, but we were contacted for entrance to the property until XXXX XXXX. Again, all docs were in and all tasks were completed by XXXX XXXX per the first processor XXXX XXXX. The borrowers were served with the order to docket and preliminary loss mitigation affidavit in XXXX. I wrote to both Nationstar and the law firm representing them that the order to docket should not have been served as we were in the middle of applying for loss mitigation and not all options had been reviewed. I requested that the lender and the law firm make note that the final loss mitigation affidavit should not be served as we had a complete short sale application pending. We still have a complete loss mitigation application pending.
Product: Credit card or prepaid card

I purchased a phone online from boost mobile on XX/XX/2022. I did not like it, and returned it on XX/XX/XXXX. I got a notice of delivery approx XX/XX/XXXX. To the factory. It was in perfect condition. 
XXXX refused to deal with this or refund me. 
I went to NetSpend to see if they could dispute it. They gave me XXXX credit for the refund. XXXX XXXX. 
Posted on XX/XX/2022 at XXXX PM Debit : Adjustment for Claim # XXXX - {$130.00} That is the withdrawal of the refund they issued sometime in mid XXXX for that amount. 
I returned the phone in perfect order, with all parts and receipts in original box. No one assisted me at boost customer service, or in store. 
It is wholly unfair that NetSpend reneged their refund without any reason to me XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I purchased a home security system with XXXX and was provided a credit line from Citizen 's for the equipment ( XXXX ). When I moved, prior to completion of the contract, XXXX was contacted and I was informed I could leave the equipment and they would update Citizen to waive further fees. I then signed a new contract with XXXX and secured a new credit loan with Citizens for the new equipment ( XXXX ) in XXXX of 2021. Citizens One continues to try to deduct money for the closed account despite my good standing with the new account. I have spoken to Citizens One with XXXX in a 3 way call and was assured on 4 occasions that the matter was resolved. On the last call with Citizens, I was told it was an issue with XXXX and they would not be able to help me despite their continued collections on a closed account.
Product: Debt collection

On XX/XX/XXXX, I contacted the three credit bureaus to inquire about inaccurate information that is currently reported on my credit profile. Conns Appliance Inc is an account that was opened on XX/XX/XXXX, on my profile. The account number is XXXX and has a balance of {$3200.00}. It was opened against my knowledge and consent and is a Collection account that has a negative rating on my credit profile. I am asking all three credit bureaus to remove this account from my profile. Per 15 U.S.C 1681S-2, " permissible purpose of the consumer, a person shall not furnish any information related to a consumer to any reporting consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate ''. 15 U.S.C. 1692-J states, " No one may design, compile, and or furnish any form that creates the false impression that someone other than the creditor is participating in the collection of a debt ''. 15 U.S.C. Code 1681C-2 " Block of information resulting from identity theft. ( A ). 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 ( 4 business ) days after the date of receipt by such agency. ( 2 ) A copy of an identity theft report ''. Please remove immediately.
Product: Debt collection

Westlake Financial Services XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX sold the debt. to XXXX XXXX XXXX in XXXX, Indiana their attorney is XXXX XXXX. Row XXXX and in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 usc 1681 section 602 states that 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. I demand the payment be updated to paid on time according to these U.S. laws.
Product: Credit reporting or other personal consumer reports

I recently purchased a copy of my credit reports, and noticed a few violation 's. Please use this additional letter as confirmation that I hereby am now opting out of any and all authorizations, I the Consumer may have given you written unwritten verbal and nonverbal as per 15 USC 6802. ( TransUnion, XXXX, or XXXX ) ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies TransUnion, XXXX, or XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to TransUnion, XXXX, or XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' For the record on a fourth attempt I am opting out of your reporting services. ( TransUnion, XXXX, or XXXX ) interactive service agreement. Thank you for noting my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a report several times with all 3 credit bureaus. I have attached a copy of bills and reports to all the proper organization and I still can not get any help. I need to move and buy a home and all of this is holding me back. Please see the attached documents from FTC report, XXXX Police Department, I have a address that shows as both XXXX XXXX XXXX XXXX, XXXX OH, XXXX AND/OR XXXX XXXX   XXXX XXXX , XXXX, OH XXXX THIS IS THE EXACT SAME ADDRESS!! Please DELETE/BLOCK/REMOVE the following items : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX , BAL. {$3100.00}, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX. FTC Report XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute letter in on the XXXX of XXXX to TransUnion and XXXX I have not heard back from them and its pass 30 days they are not taking the unverified inquiry off my credit reports and it is stopping me from getting new credit and my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm composing this complaint to TELETRACK. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Trans Union for FDCPA Violation by XXXX XXXX XXXX XXXX I am writing to file a formal complaint against Trans Union for its involvement in a violation of the Fair Debt Collection Practices Act ( FDCPA ) by allowing a collection account to report on my credit file. The collection agency involved is XXXX XXXX XXXX XXXX. 

I recently discovered an adverse entry on my credit report attributed to XXXX XXXX XXXX XXXX. Notably, I have never received a debt validation letter from this collection agency, and I am entirely unfamiliar with the debt in question. This absence of validation, as required by the FDCPA, raises serious concerns about the accuracy and legality of the reported information. 

Details of the Complaint : Violation of FDCPA : XXXX XXXX XXXX XXXX has failed to provide the mandated debt validation letter within the stipulated five-day period, as required by the Fair Debt Collection Practices Act. 

Unfamiliar Debt : I am completely unaware of the debt being reported by XXXX XXXX XXXX XXXX. The lack of a debt validation letter has left me uninformed about the nature and legitimacy of this alleged debt. 

Inclusion of Unvalidated Debt on Credit Report : Trans Union, as a credit reporting agency, has included this unvalidated debt in my credit report. This inclusion is not only inaccurate but also potentially damaging to my creditworthiness. 


I kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter to ensure compliance with the FDCPA and to rectify any inaccuracies in my credit report promptly. 

Thank you for your attention to this matter, and I look forward to a swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX  ( Original Creditor : 08 XXXX XXXX  ) XXXX ... WORLD FINANC XXXX ... XXXX/XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report. Thank you. 
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