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

I am reaching out to formally dispute the inclusion of a XXXX  on my credit report, as this entry is inaccurate. I have a letter directly from the court that clearly confirms this XXXX  should not have been reported to your agency or reflected on my credit report. Despite this official documentation, the XXXX  still appears on my record, which is both alarming and unjustified. Additionally, the involvement of an unauthorized third party in this matter further complicates the situation and raises concerns about the accuracy and security of my personal information. This makes the issue even more serious, as it not only reflects an error in reporting but also a breach of trust regarding the handling of my sensitive data
Product: Credit card

Went on XXXX XXXX on XX/XX/XXXX had a XXXX XXXX. 
XXXX balance had a XXXX XXXX. 
XX/XX/XXXX had a balance of {$350.00}. 
XX/XX/XXXX balance of {$11.00}. 
XX/XX/XXXX balance of {$11.00}. 
XX/XX/XXXX balance of {$40.00} ( {$11.00} plus {$29.00} late fee ). 

XXXX XXXX contacted me on XX/XX/XXXX regarding a pass due report on their report Contacted Citi Bank and they stated the balance is {$140.00}. ( {$11.00}, plus 2 late fees of {$29.00} each, and a S/O charge fee of {$80.00} ). Request on why they did not contact me by phone or email due to me being XXXX? stated they sent mail and that the XXXX fee is a payroll deduction fee insert after 90 days. Stated they would remove one late fee of {$29.00} if i paid off balance. I paid {$120.00} on XX/XX/XXXX, CITI bank credited my account of {$29.00} to now have a XXXX balance.
Product: Credit reporting or other personal consumer reports

I paid for a copy of my credit report and noticed fraudulent accounts and improper use of consumer or credit report.
Product: Money transfer, virtual currency, or money service

XXXX has alerted me that PNC bank is no longer working with XXXX. This is extremely inconvenient and I will highly consider switching to a different bank. As a XXXX  in XXXX  school I use XXXX to pay my rent, buy textbooks, send money to my XXXX  cohort for programs etc. What is already a difficult time in America, you have intensified it. XXXX was great because you did not need to meet in person to exchange cash or go to a bank and risk the chance of catching Covid-19. Your actions as a bank are confusing. Please get your bank back on the XXXX platform.
Product: Credit card

Citibank sold debt to a series of debt collectors. The debt amounted to {$11000.00} I believe that this debt amount was a material misrepresentation. The debt collector might have used an inaccurate 29 % APR to falsely increase the total therefore increasing their potential share of the written off debt. 

Please confirm if my debt was part of the recent class action lawsuit. 
http : XXXX Thank you
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 sufficient funds when transactions were authorize, i was charge fees due to lagged posting of changes 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

On XX/XX/XXXX, I received a notification from my credit monitoring service that a new collection account had been placed on my credit file. Upon investigation, I was able to determine that Enhanced Recovery was attempting to collect a debt from XXXX XXXX XXXX. I never received notice of this account in the mail to provide me with an opportunity to dispute it prior to it appearing on my credit report ( s ) as per FCRA guidelines. I explained to the representative, XXXX, via telephone on XX/XX/XXXX that this same account had been disputed as fraud with XXXX XXXX XXXX last year, and I had no idea why they would now attempt to send it on to a different collection agency for collection. XXXX stated that she would mark the account as fraud and collection efforts would cease by their company pending an investigation into the matter. However, she was unable to provide me with a date for when the information would be removed from my credit. I explained to her that I was in the process of seeking financing which was why I am watching my credit so closely. It is important to note that this is the only negative account on any of my three ( 3 ) credit files at this time. As such, this account is having a severe impact on my credit score. This account remaining on my credit file for any length of time will cause my family a severe undue hardship. As I never received notice of this account prior to its being placed on my credit file ( s ),  along with the fact that it was previously reported to XXXX XXXX XXXX as fraud, I need this account removed from my credit file ( s ) immediately. I can not wait 30-45 days for their investigation to conclude ; the update needs to happen now.
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 : XXXX XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, Account name : XXXX  XXXX, Account name : XXXX XXXX, has violated my rights. 
15 U.S.C. 1681 Section 602 A, states | have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency cannoi furnish an account without my written furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 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

I am writing to formally lodge a complaint regarding the inaccurate charge-off status on my credit report. Despite my diligent efforts to resolve this matter and bring it to your attention, the charge-off entry remains unjustly impacting my creditworthiness. 

I provided comprehensive documentation and explanations to demonstrate that the charge-off was incorrect and should be removed immediately. However, to my dismay, subsequent reviews and investigations by your agency have failed to rectify this issue, leaving the charge-off entry intact. 

The presence of this inaccurate charge-off status severely undermines my creditworthiness and financial credibility. It unfairly represents my credit history and financial responsibility, leading to adverse consequences such as higher interest rates, difficulty obtaining credit, and hindered financial opportunities. 

I urge your agency to take immediate action to rectify this matter. Specifically, I request that : The erroneous charge-off entry be promptly removed from my credit report. 
A thorough investigation be conducted into the handling of my dispute, including an examination of why the evidence provided was not considered in previous reviews. 
XXXX and transparent communication be provided regarding the steps taken to address my complaint and the measures implemented to prevent similar inaccuracies from occurring in the future. 
I emphasize the urgency of resolving this issue, as it continues to unfairly impact my financial well-being. I am asking for your assisstance to remove these accounts fraud in my credit file : XXXX  XXXX Balance : {$2100.00} ; XXXX XXXX Balance : {$6200.00} ; XXXX XXXX XXXX Balance : {$720.00}.
Product: Vehicle loan or lease

Since XX/XX/2022 we have been paying on a loan for a XXXX XXXX  trailer. Most of the payments are being applied to the interest and not the principal. I have submitted extra payment to get the principal down to reduce the amount of interest, but even that has been going toward the interest and not the principal. In XXXX month, none of the payment went to the principal, it went entirely to interest. 

Granted I agreed to a higher interest rate pending a refinance, but I figured that the interest rate would be ok but not this bad, especially with overpayments not being applied to the principal. 

Since we started the loan, XXXX opened on XXXX the current balance is XXXX so only XXXX has gone toward the principal, and over XXXX has gone toward the interest. So, they are getting their total interest on the loan upfront instead of a daily balance or other computing method. 

I believe that the action of Alliant Credit Union is hurting consumers and placing an undue burden on consumers by this type of accounting and I have never seen any financial group not apply overpayment to principal balances. 

I have sent a request to apply my over payments to the principal and notified them that all previous payments are in question and that I want a review of my account. I also believe that this type of action should be looked at to protect consumers from these types of financial groups that think they should be taking advantage of consumers in this way. I am looking at refinancing this loan as well because of the actions of XXXX and no longer wish to be associated with this company.
Product: Credit card or prepaid card

I opened an account with Lowes online. They sent card to wrong address. I called them after 10 days because I had not received card. They told me it had been activated and had XXXX  dollars worth of charges on it. I explained to them that I never received card. They told me they would take care of it and sent me new card. I called back when I received new card. Charges were still on my account and no one knew anything about it. So I again went thru the process of filing about fraudulent claims. They refuse to give me confirmation number or email. I have not received anything in mail about it. Charges are still on my account. 

I had not even activated account when these fraudulent charges happened. So I dont have anything to upload.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. the following inquirues are unknow and not authorized by me XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis Consumer Center XXXX. XXXX XXXX XXXX GA, XXXX I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the C.L.U.E . report and other furnished Lexis Nexis regrading all personal information of mine. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. 
My information is clearly shown below :
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX. The following accounts : XXXX XXXX XXXX, Date opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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

Not my account. Did not receive any mail to dispute account. Please provide method of verification, validation of debt and assignment of debt for this account. 

PENN CREDIT CORPORATION # XXXX
Product: Mortgage

XXXX of 2021 my husband moved out and caused the financial disaster by XXXX I called and was ready to make payments ( it was in forbearance ) and was told I can longer make payments on the home I applied for a loan modification to put the past due amount in the back of the loan the lender always finds a problem with and lies when I ask about when I was sent a notified letter saying my home is being sold none of that matters weve been going back and forth ever since First time my home was going to be XXXX was XX/XX/XXXX I found out and only had a few days to save it I did now they denied my application because im too poor when I work cash under the table rent a room yet they only accept what they feel they want to they are evil so now I dont know what to do plus my mom is XXXX I asked for time they said no! Please help I just want the modification it would bring ny payment from XXXX to XXXX they said this to me or else a Deferral just something I am doing everything possible but they make it impossible to save my home I was told to be careful because my home has alot of equity they might deny it for " other '' reason please help please My lender is Rushmore financial institution bunch of XXXX!
Product: Credit card or prepaid card

On XX/XX/XXXX, I found a Chase credit card with an unfamiliar name on the ground near my front door last week. I immediately called the number on the back to report it, and was told a hold would be placed on the account, and that I should destroy the card, which I did. The rep took all of my contact information, including my name, address, and work and cell phone numbers. When I questioned the need for this, she assured me the information would not be given to the card holder. Nevertheless, on Saturday morning, XX/XX/XXXX, I received a message on my work number from the card holder, asking me to return the card to her. When I questioned Chase, both by phone and via XXXX, about how this could have happened, both reps insisted Chase could not have disclosed the information. 
When I finally spoke to the card holder this morning ( XX/XX/XXXX ), she said she had been given my full name, work phone, and at least my partial address by Chase 's fraud department, which suggested she call me to retrieve the card ( which the first rep had told me to destroy ). I am appalled by this breach of my privacy. Chase says only that they have shared " your recent experience and your feedback for review '' and that there will be no further follow up. There was no explanation and no apology.
Product: Credit reporting or other personal consumer reports

My personal data was leaked in several data breaches. I use XXXX XXXX to monitor my personal information and I was informed that my personal information such as Social Security number, date of birth, name and address were leaked. Also the balance on the credit card accounts could include fraudulent purchase and fees. Per the Right to Privacy Act 15 USC 1681 my information should have remained secure and never reported on any credit report without my consent. 

The accounts in question are as follows : XXXX XXXX Account XXXX  ending in XXXX {$3600.00} XXXX Account XXXX  ending in XXXX {$11000.00} Capital One Account XXXX  ending XXXX {$9800.00}
Product: Mortgage

The loan amount went up from the closing disclosure in an email to me on XX/XX/XXXX and closing on XX/XX/XXXX by {$5500.00}. This company should not be allowed to continue its predatory loan practices on veterans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from Wells Fargo Call Center for student loan collections on XX/XX/XXXX where I told Wells Fargo representative that I wanted to be on Forbearance as I still don't have a job and they stated they need to transfer my call to a supervisor since i was almost 29 days past due and possibly need one more payment before i can be put on forbearance. A supervisor came on the line and asked me a couple of questions and said i was approved for forbearance without a first payment since i am not completely 30 days past due. I also asked if this call was recorded and she said yes. On XX/XX/XXXX, Wells Fargo reported me late and in my previous complaint i stated this and Wells Fargo denied saying approval of forbearance. I disagree and know that Wells Fargo is lying about my call on XX/XX/XXXX so looking to have the phone call pulled and presented to me as I know i was told by the supervisor that i was approved for forbearance.
Product: Mortgage

BELOW IS AN ABSTRACT OF LETTER WRITTEN TO SETERUS, INC on XXXX/XXXX/2015 : My loan, formally with Bank XXXX, is currently being serviced by Seterus XXXX Inc., effective XXXX XXXX, 2015. After the loan was transferred ( around mid-XX/XX/XXXX ), I called in to get my loan balance and the general status of the loan. I was then told that the principal balance was {$360000.00}, however ; according to the " XXXX XXXX '' script, my loan balance was {$370000.00}. That peaked my curiosity because the loan modification documents I have indicate that my new loan balance, as of XX/XX/XXXX 2015, was {$360000.00}. Obviously, the XXXX script was not consistent with my modification documents. After many calls over a one- to two-week period, I was finally told that I had an escrow deficiency to the tune of {$10000.00}. This can not be correct as the " Clarity Commitment '' letter sent with the modification documents indicate that {$9500.00} of taxes and insurance not paid by me was included as part of the new, modified principal loan balance. 
I was approved for an " affordable '' modification in XXXX 2015. I began making the initial payments of {$1300.00} as required by the terms of the trial period. After making XXXX successful payments, I was told by Bank XXXX XXXX that the loan was approved for a final modification. The modification document dated XXXX XXXX, 2015 required a payment of {$1500.00} to be made the XXXX of the month beginning XXXX XXXX, 2015. 
Over the last XXXX months, I have not been able to get Seterus to resolve issues with my account resulting from the escrow portion of my payment being inflated by approximately {$250.00}.
Product: Credit reporting or other personal consumer reports

This is the XXXX complaint i'm submitting through the CFPB so I am hoping for a prompt and fair resolution to this nagging issue XXXX and XXXX is presenting regarding the reporting of this alleged debt. It's their duty by law to ensure a fair and accurate reporting but it seems they aren't working under the law when reporting. I asked them for validation and they sent the Account Summary from the Original Creditor. On this Summary it shows the Account open XX/XX/XXXX however XXXX XXXX using deceptive and malicious reporting practices have it reporting as opened XXXX XXXX which is misleading to any company or person reading my credit report. They also have multiple reporting 's of the account being charged off when the account can only be charged off once, which shows on the ledger as XX/XX/XXXX so why are they reporting charged off in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with nothing reporting in XXXX. This is clearly a violation of my rights
Product: Credit card or prepaid card

I am writing to file a complaint against Chase Bank for their failure to remove unauthorized charges on my credit card account. My account number ending is XXXX. 

On XXXX, I noticed some unauthorized transactions on my credit card statement. I immediately contacted Chase Bank 's customer service to report the issue and requested that the unauthorized charges be removed. However, the customer service representative informed me that the charges were valid and that they would not remove them. 

I have never authorized any of these charges, and I have no knowledge of the transactions. I explained this to the customer service representative and requested that the charges be removed, but they refused to do so. 

I have been a loyal customer of Chase Bank for many years, and I am extremely disappointed with the way my complaint has been handled. I have always paid my bills on time and have never been in default. I believe that it is the responsibility of the bank to protect its customers from unauthorized charges and fraud. 

I am requesting that the Consumer Financial Protection Bureau take action against Chase Bank for their failure to remove the unauthorized charges from my account. I also request that the bank compensate me for the fraudulent charges that were not removed from my account. 

Thank you for your attention to this matter. 

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

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

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

I have sent 3 rounds of disputes! With ZERO updates at all. Over the course of the last 2 months I havent had any of the fraudulent information removed at all! I am hoping you can force the bureaus to take my disputes seriously! 


XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX These inquires where not made by myself! They are fraud!
Product: Credit reporting or other personal consumer reports

The XXXX reporting agencies, XXXX, XXXX, Transunion - because they have ignored my several attempts to clear my credit, reselling old accounts so that they can keep putting it on my credit report They have violated -As of XX/XX/year>, an amendment to Regulation F ( which implements the FDCPA ) tightened the leash on debt XXXX. 
They are also in violation of this as well - a debt collector reports a debt to the major credit bureaus ( XXXX, XXXX, and TransUnion ), they must : Speak to you in person or over the phone, OR Mail you a letter ( or send an electronic message, like an email ) about the debt.

Then, they need to wait a reasonable period of time ( at least 14 consecutive days ) to see if the notice comes back undeliverable. 
They have never done this, Never. 
If they get a notice of undeliverability, they cant report the debt unless theyve achieved communication as described above. ( violation ) CRAslike XXXX, XXXX, and XXXXshouldnt be selling bad credit reports like hotcakes. In fact, theyre bound by the Fair Credit Reporting Act ( FCRA ). ( Violation ) The FCRA ensures that CRAs report accurate and fair information about you. If theyre re-entering bad info without proper validation, theyre definitely breaking the rules. ( Violation )
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax will not remove after many attempts my credit show i own the over XXXX which i dont and it shows duplicate amount, i can prove this the EQUIFAX AND XXXX, MY CREDIT IS RUINED I CAN NOT GET ANY LOANS CARS OR HOUSE, IN A BAD SITUATION