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

TransUnion has furnished multiple hard inquiries to my credit without my express written consent ranging from the date of XX/XX/XXXX through XX/XX/XXXX. I don't recognize any of these inquiries and want them removed immediately from my reports. Enclosed is documentation from my XX/XX/XXXX TransUnion credit report showing the inquiries in question, notaded by a question mark in orange. There's is only 1 inquiry that I recognize on this report. Thank you
Product: Checking or savings account

I usually receive a direct deposit on Thursday, a day early as we are laid Friday from our employer. Didn't receive anything Thursday, waited until today ( Friday ) still nothing. Contacted my employer and they said everything was good on their end. Checked my email and saw the company issued a statement saying there's an issues with direct deposits. Still have yet to receive my check as of now, XX/XX/year> XXXX XXXX
Product: Checking or savings account

I booked a hotel via XXXX - shared all corresponding details and fees which I agreed to in booking, in addition to language regarding additional fees, etc, with Charles Schwab in submitting a dispute. The hotel accepted my reservation and added charges that I did not agree to, nor has the CS team been able to supply any form of signed documentation corresponding to an alleged charge. The team is being derelict in their responsibility to ensure fraudulent activity is thoroughly investigated. On principle, I shouldnt be charged or have to accept the investigation results without the proof required for any transaction : goods, agreement of purchase, corresponding receipt.
Product: Credit card or prepaid card

As of my XX/XX/2020 statement, Chase has lowered my credit limit from {$5400.00} to {$4300.00} with no notice to me. I have made my payments on time since I have had the card, and this has negatively impacted my credit utilisation and credit score. This was done during the middle of the COVID-19 pandemic.
Product: Credit card or prepaid card

I noticed this XXXX XXXX that on my Best buy credit card ( citibank ) I was being charged a fee outside of my interest. I learned that the fee was called " enhanced debt protection. '' When I called to figure out what this fee was regarding, they informed me that I have had this " protection '' on my account since XXXX of XXXX. I felt violated and immediately wanted to close my account as well as cancel this " protection. '' I know that I have never knowingly signed up for ANY protection on my account. In fact I have never heard of this protection in my life until that phone call. I demanded to be refunded and I know I have paid well over {$500.00} into this. Had I of not downloaded my statement and looked thoroughly I would still be charged this fee every month without my knowledge. Not only have I reached out to them XX/XX/XXXX and demanded they refund me, they stated it would be investigated and that I will receive a document stating whether I would be refunded or not. I received the document today, XX/XX/XXXX and was told they will request again for investigation again. I was told there is no one else to speak with about this and the only thing I can do is wait for another investigation. After reading further into this situation there are many others in the same situation I am with Citibank with no refunds and no answers.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Si
nce you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPTEDNELNET **** Opened Date XX/XX/2012 Balance {$1600.00} DEPTEDNELNET **** Opened Date XX/XX/2012 Balance {$2000.00} As a consumer, I now have rights that are provided to me to guard me through misinformation being disclosed on this credit report. At this moment I would like to have a previous inquiry for examination before I seek the advice of my attorney for tips on how to deal with inaccurate and unverifiable items that are ongoing to be shown as legitimate. Please don't hesitate to present me along with a copy of the agreement approved or voice chat where I allowed billing me with this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and found several addresses and accounts that are not mine. Below I will list the accounts and addresses that are incorrect on my credit report. 


XXXX  : Account Name : XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$11000.00} Account Name : XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$1600.00} Account Name : XXXX XXXX  XXXX Account XXXX XXXX Date Open : Balance : {$1100.00} Account Name : XXXX  Account # XXXX XXXX Date Open : XX/XX/XXXX Balance : {$1400.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$2100.00} Date open:XXXX XXXX  Address that I have never been associated with:XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX   XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : Account Name : XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$11000.00} Account Name : XXXX Account # :XXXX  Date Open : XX/XX/XXXX Balance : {$1600.00} Account Name : XXXX XXXX XXXXXXXX Account # XXXX Date Open : Balance : {$1100.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$1400.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$2100.00} Date open:XXXX XXXX  fraudulent addresse : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Transunion : Account Name : XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$11000.00} Account Name : XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$1600.00} Account Name : XXXX XXXX XXXX Account # :XXXX Date Open : Balance : {$1100.00} Account Name : XXXX Account XXXX : XXXX Date Open : XX/XX/XXXX Balance : {$1400.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$2100.00} Date open:XXXX Transunion fraudulent addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Checking or savings account

After being a loyal member for over five years, it is disappointing to be treated in such a manner by Navy Federal CU. Today, I discovered that Navy Federal CU had arbitrarily closed my bill pay without any prior notification. This has not only inconvenienced and hurt me, but it has also made it difficult for me to maintain my household effectively. When you take away my ability to access my accounts, which contain essential information such as my reoccurring payments and company contacts, you have caused me harm. Therefore, I will be closing my account with Navy Federal CU after having made over {$500000.00} in deposits. I also feel obliged to inform my family members and friends of this negative experience, and I will be taking my concerns beyond this setting to express my dissatisfaction with Navy Federal CU. I will send a message to my congressman and others in positions of authority. Therefore, I expect a prompt response from you and immediate action to rectify this situation. Your organization has lost the trust of a valued member, and I will not recommend Navy Federal CU to anyone in the future. As a member of the institution, I believe that it is unacceptable to treat your members thus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXXXX XX/XX/2021
Product: Prepaid card

Received an egift card from work for {$300.00}. Has never worked at any retailer online or in person. I have tried contacting American Express and after waiting for a half an hour they said I just need to keep trying. This was not helpful and was a big time waste. 
I don't have time to continue trying and failing. It takes time to set up info and then to have it declined is frustrating. 
American Express is disappointing me. I think they might be trying to get people to give up and hoping that they forget about their balances on gift cards. I don't want to do business with them anymore, nor would I consider ever getting their credit cards when there are better options. 
I just wish we had the old cards that actually worked and that way I wouldn't have to deal with this kind of thing.
Product: Debt collection

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3 Credit Bureaus are reporting inaccurate information on Torres Credit Services , Inc.. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting or other personal consumer reports

I was shocked to see incorrect accounts appear on my credit report today with no clear reason. I check my report frequently, yet out of nowhere, these discrepancies showed up. I even refreshed my browser, hoping it might be a glitch, but the accounts remained. Because of this, I am asking that the documents I provided be thoroughly checked so I can avoid this stress in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote letters date, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and my most recent letter date XX/XX/XXXX to XXXX and Equifax regarding an account being reported by XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ). 

The letters were informing them that the debt in inaccurate, and falsely reporting and requested a letter of validation. I later realized that these medical bills were a result of a Virginia State workers comp case and should have been handled by the insurance company XXXX XXXX XXXX since I was hurt on the job. 

These letters were sent to both the credit reporting agencies and the collections agencies. XXXX responded that the account was unable to be verified and deleted it from my credit report but XXXX and Equifax failed respond to any of my complaints and continues to report this account as being 100 % accurate. 

As a result of this, my credit has been damaged and I've been discriminated against as having bad credit and denied credit because of this false information being reported on my credit report. to this day the information is still being reported inaccurate and false information is being reported.
Product: Credit card or prepaid card

I have had a credit card with Bank of America ( BOA ) for  years. It has always been set up on an autopay system. Apparently, 10 months ago they change the payment amount and neglected to inform me of this action. I finally received an email from BOA stating my account had been closed and I owed a minimum payment in excess of {$700.00}. Upon inquiry I was apprised of the above information and informed that they had been sending emails to a defunct email account, which has never been a primary. When I inquired as to why they finally sent the information to my operating email account following 10 months of insudfficient payments, they had no explaination. So my account with BOA has been closed for non-payment and I have been charged interest and fees which are unwarranted as I never received notice. They obviously know how to email me, and I have not moved. I find this conduct unconcionable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX for my federal to and applied for a deferment with a representative and 2 days later they reported account as delinquent and my credit decreased XXXX points. Once the deferment is in place my account is brought current. I called on friday the representative apologize and said they would not fix what was reported to the credit bureaus. 

This is horrible I just increased my credit XXXX points and due to their error my credit score is paying for it.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlight significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about customer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account never authorized by me and is a fraudulent account XXXX XXXX XXXX XXXX XXXXXX/XX/2015 XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA Violation auto loans late payments XXXX XXXX  FRCA Violation student loans U S DEPT OF EDXXXX U S DEPT OF EDXXXX U S DEPT OF EDXXXX U S DEPT OF EDXXXX U S DEPT OF EDXXXX FRCA Violation personal loan late payments XXXX XXXX XXXX XXXX FRCA XXXX XXXX XXXX XXXX XXXX PROCOLLECT , INC FRCA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation personal information XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX
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 insufficient funds when transactions were authorized. I was charged fees due to lagged postings of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union 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 or other personal consumer reports

XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Account # : XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$120.00} XXXX Account # : XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$340.00} XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX High Credit : {$2200.00} -XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$2200.00} 15 US Code $ 1681c-2 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. It has been 30 days and you are in violation of this law because I am a victim of identity theft! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under 15, US Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I never gave any consumer report an agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federal protected consumer. As a consumer, I am demanding the deletion of the accounts listed immediately!
Product: Mortgage

I have been trying for over a year to get my mortgage ins taken off as well as stop using their mismanaged escrow. My escrow payment is twice as much as my mortgage. I want to discontinue the escrow and mortgage insurance. I am WELL below the 80 % threshold. The customer service line is always " experiencing high call volume '' so you can never speak to a human ( was on hold well over 2 hrs last attempt ) and I have sent 7 online inquiries trying to get this resolved. The most recent attempt was XX/XX/22. I also have an issue of them reporting late payments while is was under a forbearance. I tried to get out of my forbearance for 10 months! I understand covid had an effect but you didnt have to mark me past due when i tried to get out of the forbearance. I had to apply for a mortgage modification 4 times before it was finally accepted but they continued to mark me as past due on my credit bureaus.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing in reference to my previous dispute regarding the account from Exeter Finance, which continues to appear on my credit report. As mentioned in my prior communication, Exeter Finance is currently involved in a lawsuit for failure to properly investigate disputes, among other violations of consumer rights.

Given the ongoing legal issues and the company 's failure to comply with consumer protection laws, I demand the immediate removal of this account from my credit report. This companys actions have caused significant harm to my credit and financial reputation.

Below or just a few violations included in my original complaint. Attached are the original details of my prior correspondence with Exeter Finance, outlining the specific violations and demands. I expect this matter to be thoroughly investigated and resolved promptly.

Inaccurate Credit Reporting : Despite multiple efforts to resolve issues concerning my account, Exeter Finance has failed to accurately report my credit status to the major credit bureaus, which directly violates the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681e regarding the accuracy and integrity of information provided to credit reporting agencies.

1. Failure to Correct Discrepancies : As per 15 U.S. Code 1681i, I have provided Exeter Finance with clear documentation regarding the inaccuracies in my credit report. However, they have either failed to investigate or responded inadequately, further exacerbating my financial situation. These actions are in direct violation of the FCRAs requirements to investigate and correct reported errors within 30 days of notification.

2. Recent Lawsuits and Legal Violations : Exeter Finance has also been involved in multiple lawsuits, including but not limited to those related to improper credit reporting and failure to resolve consumer complaints. The presence of these lawsuits further reinforces the systemic issues within the company 's practices.

3. Hardship Considerations : As a result of Exeter Finances ongoing failures, I have experienced significant financial hardship, including damage to my credit score, increased difficulty obtaining credit, and other negative repercussions. Given the severity of the situation, I request that these violations be investigated immediately, and that the inaccurate information be removed from my credit report as a matter of urgency under 15 U.S. Code 1681s-2 and 15 U.S. Code 1681o. 
I will also request that the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) investigate these violations and ensure compliance with all applicable laws. Additionally, I seek your assistance in facilitating an immediate correction to my credit report. I expect a prompt resolution and removal of these inaccuracies to prevent any further adverse impact on my financial well-being. 
Thank you for your attention to this matter. Please confirm receipt of this complaint and provide updates regarding any actions taken in relation to my concerns.
Product: Debt collection

I had an auto loan through an auto finance company back in XXXX. In XXXX without my knowledge they sold my car loan to a debt collection agency. They also sent a company to try and repossess my vehicle, and they did and I was not even behind in payments. I had to pay {$60.00} to go get my vehicle back for the mistake they made. All of this with no paperwork and no proof that I owed this debt collecting company anything. I have been paying this company for four years now and called in XX/XX/XXXX to find out how much I owed and they said I still had to pay until end of XXXX. I in turn sent a letter notarized to them which they received on XX/XX/XXXX and they had 30 days to respond with any billing statements. I wanted an audit of my account. I have heard nothing from the debt collection agency since then. They keep transferring me to different departments and do not give me an answer. I have my paperwork from the original finance company and I was supposed to be done with my payments early this year. I would like to get the title to my vehicle as soon as I can. I am afraid this company will try and take more money from me. Please help me with this situation.