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

I recently received a copy of my credit report and noticed that there was a late payment. The delinquent payment showing on my report XX/XX/XXXX was the result of my job loss due to COVID-19. The CARES Act which was signed into law on XXXX XXXX and ended XXXX XX/XX/XXXX. This act amended the Fair Credit Reporting Act to stop adverse credit reporting during the COVID-19 crisis under these circumstances. Please update this information to PAID/AGREED for the following time period.
Product: Debt collection

This credit reporting error has been removed from my credit report previously. The issue has now resurfaced and has been added back to my credit report. It is against the guidelines outlined in the FCRA for companies to remove invalid accounts and reage/ readd to their liking. This error needs to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did apply for a Morgage forbearance do to a delicate Health condition of my wife than they do explain to me over the phone that the amount own will be place at the end of the morgage adding another 6 month.

They never told me that I have to pay it at the end of the 6 month in full.

For my surprise they do call me at the mid fifth month telling me that if I do not pay immediately they will place my home in Foreclosure so I went ahead and make the full payment but they adding me a late payments for 6 consecutive month for more than 120 days destroying my credit report and I didnt give autorizacin to any company to share my personal information.

In accordance with the FCRA THIS ACCOUNT HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A State I have the right to privacy.

15 U.S.C 1681 A Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX accounts : 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 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. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

On XX/XX/2022, my wallet was stolen while I was at an ice cream shop at the corner of XXXX and XXXX XXXX in XXXX, New York. Within an hour I noticed that two unauthorized charges to the tune of {$400.00} had been made to my account. I immediately reported it to my bank, TD, who told me to file a police report. I filed the police report within an hour of being off the phone with TD. 

On XX/XX/XXXX, I went to a TD branch to obtain a new debit card and also informed them about my issue. I told them about the steps I undertook to correct the issue, and they said it should be resolved without issue. 

On XX/XX/XXXX, the dispute was denied, stating that " the card was not utilized under after you notified us to close the card '', which is patently incorrect - The {$400.00} of unauthorized charges shows that. I called TD as soon as I received this letter on XX/XX/XXXX, to which no one would help me further other than to re-file the report. The fact that I followed all of the bank 's steps and am still out {$400.00} is ridiculous and shows they took no effort to investigate the claim.
Product: Credit card or prepaid card

I, XXXX XXXX entered into a consumer credit transaction with Navy Federal Credit Union on XX/XX/2021. 

I am aware of Navy Federal Credit Unions discriminatory practices, as well as their unlawful AND unjustifiable means when making decisions. I initiated a consumer credit transaction and was denied my right to be extended credit through you after applying in good faith which violates 15 USC 1691 ( a ) ( 3 ). The adverse action furnished on my consumer report is proof a transaction occurred, and I shouldnt have been denied for credit. Furthermore, a transaction was completed using my Credit Card as per 15 USC 1602 ( l ) and I the consumer never benefited which violates 15 USC 1602p. The consumer credit transaction was completed when I filled out the credit application ( extended credit ) 15 USC 1691 ( d ) ( 6 ).

Not only did this transaction result in an adverse action against myself the Original Creditor, but I also experienced a great deal of mental, physical, physiological trauma causing confusion, XXXX, and sleepless nights with bouts of XXXX and XXXX dysfunction. No one should ever experience what I have experienced when it comes to anything that belongs to them and rightfully so. This is extortion in fact per 18 USC 894 ( 1 ) and regrettably so.
Product: Credit card

JPMorgan Chase has been a source of frustration for me. They closed my only account with them in XX/XX/year>, and I have also noticed two additional fraudulent Chase accounts that have negatively impacted my credit. I need these accounts removed from my credit report ; if they have been closed, they should not still appear. 

I do not have any active accounts with Chase, and I need them to stop harassing me regarding issues related to accounts that have been closed for years. Can you help me get these removed?
Product: Debt collection

I have spoken with XXXX on XX/XX/2018 and informed this account was processed by medicaid/medicare for the amount of {$300.00}. XXXX have informed me she don't have information on the account. XXXX rudely informed me I need to handle my medical business better. I have medicaid/medicare and I am also a XXXX veteran XXXX XXXX. Please help get this information removed from acct.
Product: Mortgage

We received a Loan Modification Approval in XXXX 2016 from Caliber Home Loans. They required a reinstatement fee / good faith payment of {$2300.00} by XXXX XXXX, along with the documentation for the modification. We sent the executed modification documentation along with the fee, via cashier 's check and XXXX, which was received by Caliber on XXXX XXXX, as verified by XXXX delivery tracking. On XXXX XXXX, we were notified by XXXX XXXX XXXX XXXX XXXX XXXX XXXX that Caliber had submitted a bid to purchase our home at Foreclosure Auction on Wednesday XXXX XXXX ( 2 days from now ). We 've been advised by XXXX that we should file a complaint against Caliber for " dual tracking our loan '', which is what we are officially doing with this communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and there is an account with XXXX XXXX XXXX showing. I haven't had XXXX XXXX credit card for over 10 years. This account is showing it opened in XX/XX/XXXX and I know for a fact I did not open an account with this company then. The one I did have was actually included in a very old Bankruptcy back in XX/XX/XXXX I believe. What I know for sure is this one showing XXXX is not one I opened, used or know anything about.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : TRUIST Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 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: Student loan

I 've been enrolled in autopay for years in order to benefit from the .25 % reduction in the interest rate on my account. I am about to close my current bank account, and have already opened a new one - I tried to enroll my new bank account as my autopay account BEFORE cancelling my old autopay account on Navient 's website. That did n't work, so I called them around XXXX on Monday, XX/XX/XXXX and spoke to a woman named XXXX. She cancelled my autopay and said I have to login in 24-48 hours to re-enroll in autopay with my new account, and that this month I will pay the extra .25 % in interest because I am not enrolled in autopay. I do not feel I should have to pay an extra .25 % because their system is set up to NOT allow a seamless transition. I am prepared to immediately have a new account enrolled in autopay - but their system is not. They should not penalize me because their system is set up poorly. In fact, I am sure they do this in purpose to take more money from people. This should not be legal, if in fact it is. 
Additionally - if I should have waited until after my next autopay to cancel my current autopay account - the rep should have advised me to wait rather than cancelling my autopay.
Product: Debt collection

XXXX XXXX reported a debt of {$160.00} to XXXX. I called to inquire, and the receptionist stated she did not see anything in her records because I have not been there since XX/XX/2017. I called the collection agency, RA Rogers, and spoke with Ms. XXXX ( xXXXX ). She gave me account # XXXX, and asked me to call XXXX and get confirmation that the debt is not valid. When I called XXXX back, I spoke with XXXX. She said the debt was so old, it was no longer in the system. However, it appeared I owed a debt of {$160.00}, which was the balance after insurance paid. I paid the debt right away. On XX/XX/XXXX, XXXX XXXX emailed the receipts with full balance paid. I provided these receipts to RA Rogers and asked them to update the credit report. On XX/XX/XXXX, I filed a dispute with XXXX. Despite providing objective evidence, RA Rogers verified to XXXX  the balance ( {$160.00} ) is unpaid. As such, the derogatory information remains on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a previous complaint # XXXX to CFPB as Equifax had no data for my loan office to obtain. I was contacted by XXXX XXXX from Equifax whom asked me to provide a copy of my drivers license and Social Security card so she could verify my identity. After numerous back and forth conversations, she advised me that my account was taken care of. Well needless to say, my account is far from taken care of. I am attaching a copy of the credit bureau data for all 3 credit reporting agencies and Equifax is showing me a credit score of 4 with no data and both XXXX and  XXXX  have a credit score for me of XXXX & XXXX and substantial reporting data. Equifax is restricting my ability to be able to secure a home loan as they have no reporting data for me and a credit score of XXXX  How can a credit reporting agency impact a consumer this way? I know the CFPB takes matters like this extremely important. I feel I am not being treated equally and I have asked numerous times for Equifax to explain what happened and why this has become quite the cumbersome task that I am asking them to complete. Doesn't Equifax have an obligation to report the facts on my credit report? How can the facts be reported accurately from 2 other credit reporting agencies? 

I have reached out to Equifax numerous times since XX/XX/XXXX and it is no longer good for my health or well being to be put in this situation. I feel they are discriminating against me based on my background that I have shared with them and my age which is why I am asking the CFPB to get involved and resolve this matter. I have been working with XXXX XXXX, from XXXX XXXX XXXX  for almost a month now and he is waiting on answers as well to why he can't obtain any information on Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor : Onemain Credit Bureau : XXXX XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from XXXX   on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( XXXX XXXX XX/XX/XXXX ) I contacted Onemain on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to identify theft in XX/XX/XXXX, and have yet to receive and investigation report or a removal of this inquiry. 

I request that this inquiry is removed immediately. I have given more than the legal time for Onemain or XXXX  who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 7 business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past. 

Thank you for your assistance in this matter, XXXX XXXX
Product: Credit card

Dear XXXX, I am writing to let you know about my concern about an ongoing issue related to our credit account. We had previously received a letter confirming that the problem had been resolved, and the information was updated in the three major credit bureaus. However, we were later informed that the account needed further correction. 

The issue is that while we had the account open, it was accessed and altered without our knowledge. Due to our health conditions, my husband and I were XXXX  with XXXX and couldn't monitor the account. Our friends and family made monthly payments without checking the account details. Although we fully resolved the issue through back-and-forth communication, we were recently invited by the CFPB and FTC to continue the process until it is entirely resolved. 

We both discovered that the account was compromised, and we closed it and paid the outstanding amount using linked accounts. It has been a nightmare for us, especially since we are a XXXX military family that relies on the account 's stability. We have been back and forth with this issue, and it's now outside the allowable period for discovery. The accounts should be wiped clean, and new cards should be issued immediately. 

Text messages and links were sent previously, and I thought you had all the necessary details since they were included in the original police report. I appreciate your hard work and time on this, given the current understaffing and overloading workload. I want to request that you continue to help me resolve this issue, as I have been passed around and forced to start from scratch each time. We can go ahead and resolve this matter entirely before the year ends. 

Thank you so much for your help. 

Best regards, XXXX and XXXX XXXX From : Executive Office of Discover Financial Services XXXX Sent : Wednesday, XX/XX/2023 XXXXXXXX XXXX 
To : XXXX XXXX Subject : Consumer Financial Protection Bureau ( CFPB ) Inquiry Dear XXXX XXXX, Thank you for your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure your concerns are adequately addressed, your inquiry has been forwarded to my attention within the Executive Office of Customer Advocacy at Discover. 



I'm currently looking into your concerns. I will send a detailed response to you when I finish my investigation. 



If you have any questions or want additional information, please contact me at ( XXXX ) XXXX. I am typically available Monday-Friday, XXXX XXXXXXXX XXXX. ET. 



Sincerely, XXXX Executive Office of Customer Advocacy Public
Product: Checking or savings account

Capital One Bank has not deposited my direct deposit. The company has not reached out with any information about the problem or when it will be resolved. But they are declining payments for insufficient funds despite not releasing my direct deposit to my checking account.
Product: Student loan

I submitted my IDR on XX/XX/2022, and on XX/XX/2022, of my submission, I contacted NELNET XXXX XXXX servicer customer service around XXXX pm XXXX. As discussed in my inquiry as to why my IDR was denied, she explained that it was because I made " too much ''. I explained to her that I did not work and that I had lost my job and the income they had received was " COUPLE FILING JOINTLY FILE ''. She kept me on hold for a long time- going back in forth speaking with supervisors and finally, after XXXX hours, she tells me, " You need to write an E-MAIL explaining that you do have income and the income received was only your spouse. '' I asked if she was sure that if that was all I needed to do- and she said " yes ''. On that same night, I did what she told me- I emailed the letter to ( XXXX ) with my personal information and account details. ( Which I did twice ) As time went by, I NEVER received a notification or letter from NELNET acknowledging my e-mail. When I chatted back on XX/XX/2022, they stated that the e-mail they have received was not " acceptable '' because it had to be " hand written and signed '' After all of this misinformation given to me since XX/XX/2022, I got hit with a XXXX derogatory on my credit report.
Product: Debt collection

I am filing this complaint because a collection account reported on my credit report by Jefferson Capital Systems LLC can not be verified as mine. 
1. Initial Dispute with XXXX : I disputed the account with XXXX, but they determined the debt belongs to me without providing proper validation. 
2. Attempts to Verify the Debt : I contacted Jefferson Capital Systems LLC directly on XX/XX/2024 at XXXX XXXX XXXX XXXX XXXX and provided all of my personal identifying information, including : Full name Address Phone number Email Date of birth Social Security number Despite this, the company was unable to locate an account associated with my information. 
3. Referral to XXXX : I was referred to another contact number for XXXX  ( XXXX XXXX XXXX XXXX XXXX ) to verify the account. After contacting them on XX/XX/2024 and providing the same information, they also could not locate any account matching my details.
Product: Credit card

I did a pre-qualify for a credit card and was told I did not pre-quaify. 

I contacted PenFed to have them do a soft pull again, because some information had just come off of my report after the first Pre-qualify and that if they did the soft pull again then they would see that my credit was good enought to get the XXXX XXXX. 
XXXX said she would do a soft pull while I was on the phone and then said I would hear from them about the Pre-qualify and see if I could apply for the card. 
I hung up and when I checked my email it I had been sent an email by XXXX XXXX saying I had just had a Hard Inquiry placed on my credit report.I sent an email to XXXX telling them what happeed and they gave me a run around saying they could not help me and they kept insisting I send them documentation I told them all they had to do was a soft pull and they would see that the hard pull was on there. 
I asked them to remove the hard pull. 
I asked them to talk to XXXX and she would confirm that the hard pull was not supposed to be done but only a soft pull. 
I asked for a copy of the recording of the conversation XXXX and I had and that if they listened to it they would know that I did not give authorization to do a hard pull. 
And they said they could not help me and that they needed a copy of the credit report and on and on I wrote that I had XXXX  which was protected under the Americans with Disabilities Act and that I was asking for a Reasonabe Accomidation. 
I told them that gathering the documents and sending them was overwhelming me ... ..I will send you some of the emails. but here are the case # Confirmation of Support Case XXXX Case # XXXX This will comtain all the conversations in the emails. 
I lost credit score points and I am very upset and this has exaserbated my mental condidion. I am Under doctors care at the V.A. for this condition and I am at my wits end. I am overwhelmed and can hardly think. 
I am having a terrible time just writing this. 
They just keep replying that they want the report. 
Why do they need the complete credit report? 
I took a screen shot of the inquiry and sent it to them and they say they need a copy of my complete credit report. 
I asked that this be escalated to the supervisor and they will not let me communicate with the supervisor. By law if you ask to have it escalated they have to comply. They refuse to escalate this and keep asking me for documents and I about at my wits end.
Product: Credit card or prepaid card

I have a loan with 1ST FRANKLIN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and 1ST FRANKLIN with no successful resolution. XXXX only reporting me late. There was definitely an error on their part.
Product: Money transfer, virtual currency, or money service

I have had my account for with this bank for more than four years, and I have made 100 's of money transfers. This time the account would n't allow me to make the transfer without changing the date to reflect the next day, even though it was at  XXXX  on the first. I was to make the date the second, which was correct. When I did the bank then charged me two overdraft fees. When I spoke with a bank official I was first told that I did n't make the transfer until   XXXX   XXXX  , and when I told the bank official that I could prove that was n't the case, she then changed her story to the cut off time is   XXXX   XXXX  . When I told her that the years of my account would show that has never been the case, and that no correspondence that the bank provides has ever stated the cut off time as   XXXX   XXXX   XXXX   <P/>
She then told me that the bank would only allow her to return one of the overdraft fees and that she would n't be able to return the other. When I asked why is it only one of the fees can be returned and not the other she stated she was n't able to tell me that. I told her that this to me appears to have been done intentionally. I further explained that if the cut off time was   XXXX   XXXX    why is it  that my direct deposits do n't show up until after   XXXX  , she claimed that was when the bank received the money, which I know is not true. When I reminded her that she could look at the history of my account and it would be able to tell her that 's not true, she said that had no bearing.
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I would like my overdraft fee of   XXXX    dollars returned to my account as this was n't my fault, and was done intentionally. I would also like my deposits to reflect when they arrive at the bank not when the bank wants to give it to me.