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

ALL of these regular inquiries need to be removed from my TransUnion credit report as I am a victim of identity theft and fraud. Please remove these inquiries from my TransUnion credit report listed below Regular Inquiries More Info + Name XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Requested On XX/XX/2023, XX/XX/2023 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX, DE XXXX Requested On XX/XX/2023, XX/XX/2023 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX Location XXXX XXXX XXXX XXXX XXXX, TX XXXX Requested On XX/XX/2023 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX  XXXX Location XXXX XXXX  XXXX XXXX, VA XXXX Requested On XX/XX/2023 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX, MN XXXX Requested On XX/XX/2023 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX, TX XXXX Requested On XX/XX/2023 Phone ( XXXX ) XXXX Inquiry Type Individual I have already tried to contact the company. They can not remove the inquiries all of those companies said that TransUnion are the people that HAVE TO REMOVE THEM FROM MY CREDIT REPORT. THEY DO NOT HAVE ACCESS TO THAT ONLY TRANSUNION DOES.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite Having Funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had reached out to Transunion, XXXX, and XXXX about XXXX account # XXXX to request for them the verify the accuracy of the account. Transunion, XXXX, and XXXX updated me that the account is being reported with accuracy. 
I then viewed an updated report and the account is still reporting inaccurate. 
I see inaccuracies with the date opened, high credit, last reported, last payment, and last Active. 
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 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
Product: Debt collection

XX/XX/2015, I unknowingly cashed a fraudulent check that was sent to me at my college campus. I was n't too concerned because I work in the office of donations to my school and see checks sent to the school, departments, and even students all the time. I have great relationships with the staff and faculty at my school and am an excellent student. So I assumed that one of the many faculty/staff members that know me was able to procure a donation for my financial aid. A week after I cashed the check, Wells Fargo called me, informed me that it was fraudulent, said I owed them {$2400.00} and said goodbye. Since then, they have sent mail to me via my school address and reported the incident to the collections agency which prevented me from getting any loans for this year. I also was not able to get an apartment for my last year of college which was something I desperately wanted. I personally feel that a giant financial corporation such as Wells Fargo should not be taking advantage of a college student that figured the bank she had been with for three years would look out for her. But instead, Wells Fargo has made my life XXXX when they could blow their noses with {$2400.00} yet they want to force me to pay it back and if I do n't, my life will never progress the way it should.
Product: Student loan

In XX/XX/XXXX I graduated XXXX and was accepted in to XXXX XXXX in XXXX Arkansas. At that time I applied for a private student loan through XXXX XXXX, now Navient. My co-signer was a friends dad who is a XXXX year old retiree. I have the documents to prove that loan exists. My complaint is there was another private loan which was taken out the next year in which I am paying for now but no one remembers applying for and I do not have the documents for. Now I have {$150000.00} in student debt, which XXXX is private and I only have 3 months of deferment left. I am on a 25 year repayment plan paying $ XXXX/month for the private loans and $ XXXX/month for my federal loans equaling {$1200.00} per month in student loans, which takes all of my income per month. I would like the CFPB to look into the private loans to see where the second loan came from, were any predatory lending practices committed, and if any of my loans can be forgiven. I would deeply applicate any help because I had no idea what I was getting myself into when I was XXXX, I was just trying to go to college.
Product: Bank account or service

BACK IN XXXX OF XXXX I HAD AN ACCOUNT WITH MY GIRLFRIEND AT THE TIME. SHE OVER DRAFTED THE ACCOUNT, DIDNT KNOW THIS AS I HAVENT HAD ANYTHING CONNECTED TO THAT ACCOUNT. IN XXXX I MY SELF OPENED AN ACCOUNT UP WITH TD BANK ONLINE AND EVERYTHING HAS BEEN FINE. YESTERDAY XXXX/XXXX/XXXX, I WENT TO WITHDRAW A CHECK MY GRANDMOTHER HAD GIVEN ME AND TD BANK HAD ME WAIT AN HOUR TO THAN TELL ME THAT THERE WERE GOING TO HOLD MY FUNDS UNLESS I PAID XXXX DOLLARS OF THE OVER DRAFT ON THE CLOSED ACCOUNT FROM LAST YEAR. I THREW A FIT. I AM A FATHER OF XXXX AND THE MONEY IN THE ACCOUNT WAS MY RENT. THEY DID NOT WANT TO HEAR ANYTHING. DIDNT EVEN BOTHER TO OFFER A PAYMENT PLAN OR NOTHING I HAD NO CHOICE BUT TO PAY THE XXXX DOLLARS. NOT ONLY DID THE BANK MANAGER LAUGH AND SAY SHE WAS TAKING MY MONEY BUT DIDNT CARE THAT IT WAS THERE MESS UP TO OPEN UP ANOTHER ACCOUNT FOR ME EVEN THOUGH I SUPPOSEDLY OWED MONEY. I THINK THIS WAS UNFAIR AND OUT RIGHT MESSED UP.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ, XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX , DC XXXX TransUnion Consumer Solutions, XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dispute of Late Payments on Credit Report Reference to 15 USC 1666b Dear Consumer Financial Protection Bureau I am writing to formally dispute the late payments listed on my credit report. According to my records and in accordance with the Fair Credit Billing Act, specifically XXXX XXXX XXXX, there appears to be inaccuracies in the reporting of my payment history. 

Transaction Details : Creditor Name : XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Transaction Details : Creditor Name : XXXX XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Explanation of Dispute : Upon reviewing my credit report, I have identified discrepancies in the reported late payments. I have attached supporting documentation, such as bank statements or payment confirmations, demonstrating that my payments were made on time. As per 15 USC 1666b, I am entitled to a fair and accurate representation of my credit history. I kindly request a thorough investigation into this matter and the prompt correction of any inaccuracies on my credit report. Enclosed are copies of the relevant documents supporting my claim. Please consider this information in your investigation and update my credit report accordingly. I appreciate your prompt attention to this matter. 


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

In accordance with the fair credit Reporting act. The list of the account below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. Account Name XXXX XXXXe # XXXX Account Name XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX # XXXX Account Name Dep Of EducationXXXX XXXX XXXX Account Name XXXX  # XXXX Account Name XXXX # XXXX Account Name US DEPT ED # XXXX Account Name XXXX XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX  XXXX 15 U.S.C 1681 section 602 A. 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 a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

It has come to my attention that XXXX XXXX  is currently reporting to all major credit bureaus that my Account XXXX Is past due by 60 days. Yesterday, XX/XX/XXXX, I spoke to several members of your Customer Service Department, as well as Collections. Several of your agents allege that I missed a payment in XXXX of XXXX and therefore this reporting is correct. I was then transferred to the XXXX XXXX offices and spoke to XXXX. XXXX stated that he would conduct an investigation into this matter. I have reviewed past statements from XXXX of XXXX and have found no late payments during this period. Further, it seems mathematically impossible that I would be late 2 years later after making timely payments to your bank in excess of XXXX USD. 

This account remains paid off and closed to date
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a FTC report in XX/XX/XXXX and spoke with XXXX POLICE DEPARTMENT because there were 11 student loans on my credit reports from XXXX. XXXX sent me a Packet Titled LOAN DISCHARGE APPLICATION : FORGERY and i filled it out and sent it to XXXX. On XXXX, XXXX XXXX, XXXX Closed all XXXX accounts from my XXXX, XXXX AND XXXX Credit reports. In XX/XX/XXXX XXXX Reopened my 11 Accounts and added an Fraudulent account with MOHELADEPT OF ED For the same amount as the fraudulent EDFINANCIAL Accounts, {$71000.00}. This account does not belong to me. Under 15 USC 1681 ( a ) 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 ( a ) 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681b ( a ) 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. Multiple addresses are reporting on my profile as well.
Product: Credit reporting or other personal consumer reports

Equifax, XXXX, and XXXX XXXX are Putting Wrong Information On Credit Reports And Refusing To Change it Once I Disputed the fraud I have been a victim of identity theft. I have already notified the authorities and the Federal Trade Commission by completing an identity theft. 

My account is not being properly investigated Please delete the negative accounts from my credit report immediately. I didn't give permissible to furnish my information there's no reason for none of that derogatory information to be on there. FCRA section 604 ( a ) ( 3 ) 15 USC 1681 ( b ) 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), 15 USC 6821 ( a ) ( 1 ) As you know it is against the law to report any information not proven accurate. 809. Validation of debts_ [ 15 USC 1692g1 Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA you must remove the account from my credit report immediately
Product: Mortgage

We purchased a house thru Fay Servicing and closed on XXXX XXXX 2017. XXXX ( Fay servicing ) knowingly and willingly sold us the house with enchroachment on a vacant land next to us. I have in my posession a letter from XXXX XXXX XXXX ( Fay servicing acting attorney ) asking the owner of the vacnat land to sell 14 ft of his land which he declined. He wants the entire lot bought for {$XXXX}. XXXX XXXX XXXX  also 0ffered us {$XXXX} to release all liability against Fay servicing. This is FRAUD and against all fair business practices. They knew about the enchroachment and never disclosed it to us.I have mulitple emails to XXXX XXXX XXXX ( XXXX XXXX ) to settle this. It is not our problem to settle this with the owner and that is what they want us to do and release Fay servicing from all liability for {$XXXX}. We are not going to settle for anything less then getting the 14 ft from the owner of the vacant land and having a new survey done at Fay servicing 's cost. This is not our fault and we are the victim of fraud with this company!! I dont have an account number with Fay servicing. This was a house that was sold us us by them.
Product: Vehicle loan or lease

Santander sent me my first bill last week. I have been attempting to pay it ever since. The bill strongly urges you to go online, and set up your account to manage your account and pay your bill. I have tried every day, several times to set up my account. The site keeps saying they can not find my account and to call the company. I have called several times. All I get is a recording stating that I should go online to pay my bill. No one ever answers the phone. I am unable to pay my bill because of the company 's deceptive and unfair collection practices.
Product: Mortgage

Good Afternoon, This complaint is regarding a refinance of my current mortgage. 

In XX/XX/XXXX, I was invited by a Chase Bank employee to apply for a refinance of my current mortgage. 

After discussing my particular situation with a loan officer, I filled out an application for refinance. 

I was assured by the loan officer that my financial situation is on solid footing to complete a refinance. I informed the loan officer that I am only interested in seeing a refinance through to the end. If there was any question about qualifying for the refinance, I would rather not apply as my refi would include several costs that could not be recouped ( XXXX payment of approximately {$1000.00} and appraisal cost of approximately {$450.00} ) among the more costly expenses. 

Throughout the loan process, I provided all the documentation that was requested in a timely manner as part of the loan process. No documents were omitted. 
In XX/XX/XXXX, I received conflicting explanations from the lender about not qualifying for the refi. At first, I was informed that I did not qualify for the refi because my debt to income is too high. 

I was later informed that I did not qualify for the refi because I did not submit required documents. 

As discussed, I informed the lender during the application process that I was interested only in a refi that would be seen through to a closing. 

How is it that during the application process I qualified for the refi, but after a lengthly loan process ( over 6 months ), I did not meet debt/income requirements. Why was this not disclosed earlier in the loan process? 

After 6 months of waiting for the loan to move to closing and having spent over {$1500.00} in loan fees, I was informed on two separate occasions that my loan would not move to closing due to differing explanations. 

Something does not seem right with the manner in which this loan was handled by Chase Bank. How could I be informed that I wouldn't qualify based on income/debt ratio one day and then informed I wouldn't qualify because I did not submit documentation on a subsequent discussion with the lender? 

All the documents that I submitted to the lender are time/day stamped on Chase 's loan website. All requested docs were submitted in a timely manner. 

Thank you for taking the time to help me with this dilemma. I appreciate it. 

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

In accordance with the Fair Credit Reporting Act, an unauthorized inquiry has violated my rights. 15 U.S.C 1681 section 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 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

XXXX XXXX ( XXXX ) XX/XX/2XXXX XXXX
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in a significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get this account removed from my credit report. I contacted the company 5 times and each time they sent me a letter stating the account was verified and true. This account was not authorized by me and I want it removed. I requested copies of a contract or any documentation with my signature and they can not produce it but will not remove it from my credit report resulting in a poor credit score. The name on the account is not even spelled the way I spell my name but they insist it is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

They been sending me this for over ten years and they refuse to send me date of service and copy of original invoice, like I have requested. I have no idea what they talking about. There should be a law to prevent reporting agency from putting this on a person report without first investigating it their self and send a letter to the people, to verify if its a true statement..
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments on XXXX XXXXXXXX Account Dear CFPB, I am writing to formally dispute inaccurate late payments reported on my XXXX XXXX account ( Account # : XXXX ) on my credit file maintained by TransUnion XXXX These inaccuracies misrepresent my payment history and creditworthiness, violating my rights under the Fair Credit Reporting Act ( FCRA ). 
Nature of the Complaint Inaccurate Reporting : XXXX : Incorrect late payment reported for XX/XX/XXXX and XX/XX/XXXX. 
XXXX & TransUnion : Incorrect late payment reported for XX/XX/XXXX and XX/XX/XXXX. 
The account is reported as current, with consistent payments on time except for these erroneous late payment records. Additionally, I have been enrolled in autopay, ensuring no late payments occur. 
Discrepancies in Account Information : High Balance : TransUnion and XXXX report {$380.00}, while XXXX lists {$0.00}. 
Last Verified Date : TransUnion lists XX/XX/XXXX, while XXXX and XXXX have no data for this field. 
Date of Last Activity : TransUnion and XXXX list XX/XX/XXXX, while XXXX lists XX/XX/XXXX. 
XXXX XXXX : TransUnion, XXXX, and XXXX consistently show {$78.00} ; however, the late payment records contradict this. 
Violation of the FCRA ( 15 U.S.C. 1681 ) : Section 1681e ( b ) : Failure to ensure maximum accuracy of consumer reports.

Section 1681i : Failure to conduct a proper investigation when disputes were previously raised.

Section 1681s-2 : Reporting inaccurate or incomplete account data.

Potential Violation of FDCPA ( 15 U.S.C. 1692e ) : The inaccurate reporting of late payments may constitute false representation of the character or legal status of my account.

Truth in Lending Act ( TILA ) : Inaccurate reporting practices fail to meet the standards of transparent and accurate credit disclosures. 
Requested Resolution I request that TransUnion : Conduct a thorough investigation of the XXXX XXXXXXXX account inaccuracies. 
Remove all erroneous late payments ( XXXX : XX/XX/XXXX and XX/XX/XXXX ; XXXX and TransUnion : XX/XX/XXXX and XX/XX/XXXX ) from my credit file. 
Update all other account details to ensure maximum accuracy, including high balance, activity dates, and payment history. 
Compliance Reminder Pursuant to 15 U.S.C. 1681n and 1681o, failure to correct these inaccuracies within the statutory 30-day window may result in civil liability, including damages, attorney fees, and punitive measures.

I look forward to your response within the legally mandated time frame. Please provide written confirmation once the corrections are made. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for a 90 day free fraud alert on XX/XX/2017 through Transunion and was enrolled in a nearly {$20.00} a month credit monitoring service without my knowledge. This very thing also happened to my wife on the same day.
Product: Mortgage

Our latest mostly statement shows a deferred p and I in the amt of XXXX and when I called and asked what this was about ditech could n't tell me and said it was a mistake and to disregard it. When I asked for something in writing stating what they had just told me for my records I was told that they could n't give me anything in writing only that it had been noted in our acct.
Product: Debt collection

Look its simple, but department store is difficult. I purchased clothing at kohls in XXXX for like {$95.00} bucks with cash, while purchasing I got myself a kohls debit card and it was accidentally charged to the card as well. So I paid cash money on XXXX XXXX or the XXXX and never should be in this situation. The receipt says kohls charge so I filed with kohls to solve this by looking at the cameras on the date and time of purchase to show me handing over {$100.00} cash to the employee. Kohls has repeatedly called and called wanting money while I wait for resolution. Im being charged and affecting my credit unfairly. This needs to be resolved they are affecting my life