23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXXXXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$930.00} ), XXXX XXXX XXXX  ( Date Opened : XXXX. XXXX, XXXX, Balance : {$950.00} ), XXXX XXXXXXXX XXXX  ( Date Opened : XXXX. XXXX, XXXX, Balance : {$450.00} ), XXXX ( Date Opened : XXXX XXXX, XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ), XXXX XXXX  ( Date Opened : XXXX. XXXX, XXXX, Balance : {$1100.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$770.00} XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, XXXX : {$1500.00} XXXX XXXX XXXX ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Repair Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable response, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit card

I applied and received a Bank of America credit card 15-20 years ago. The card was issued with a 5.90 % fixed rate. I was just reviewing my statement and noticed that my rate has been changed to a 6.40 % variable rate. Is the issuing agency allowed to change my rate from a fixed ( as agreed ) to a higher variable rate without my knowledge or permission? I contacted Bank of America but they were unwilling to reverse the changes that they made.
Product: Credit reporting or other personal consumer reports

I am disputing this account due to inaccuracies in its reporting. This account is classified as a collection/charge-off, yet it shows a past due amount on my credit profile. Additionally, XXXX XXXX has reported to the IRS that they received a tax break for this account, but I have not received a 1099-C, which raises concerns about false reporting.

Its not permissible for an account to be both a collection and a charge-off simultaneously. Furthermore, it is illegal for a closed account to continue reflecting a charge-off status. My accounts have been showing charge-off status for the past five years, which is also unlawful. 

Please remove these inaccurately reported accounts : XXXX XXXX XXXX  and XXXX XXXXXXXX XXXX as well as Experian XXXX. Thank you for your attention to this matter.
Product: Debt collection

On XX/XX/21 RAB performance had XXXX XXXX XXXX place a hold on my bank account for a credit card i never had. And the so called debt is over 10 years old. Also when i contacted both agencies they gave me the run around. I need XXXX badly
Product: Credit card or prepaid card

I have a substantial amount of money on my card but for some reason American Express serve has a limit on my money that I can spend. Its my money and not a credit card. So every single month I have to go a week to 10 days with no access to my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX have 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I WAS ASSIGN AS AN AUTHORIZED USER ON TWO ACCOUNT WITH SYNCHRONY BANK, ONE WAS XXXX IN XX/XX/XXXX & XXXX XX/XX/XXXX. WHEN I REPORTED THE XXXX OF THE PRIMARY ACCOUNT HOLDER I WAS TOLD THE DEBT WAS MINES AND I WAS RESPONSIBLE. LOOKING BACK ON THE MY CREDIT REPORTS XXXX (  {$4100.00} ) IS LISTED AS AUTHORIZED USER WHICH TO MY UNDERSTANDING SHOULD HAVE NOT BEEN LISTED AT ALL ON MY CREDIT REPORTS AND LATER THEY LISTED IT AS A JOINT ACCOUNT, AND XXXX ( {$3200.00} ) IS NOT LISTED AT ALL UNTIL AFTER HIS XXXX. I HAVE PROOF OF DOCUMENTS AND REPORTS. WHICH I HAVE BEEN SUMMONS TO COURT.
Product: Student loan

My loans were transferred to Aidvantage. My loans were with XXXX XXXX and are supposed to be cancelled due to recent action by the President. Additionally, the pause for student loan repayment ( pending outright forgiveness for all loans less than XXXX ) was recently announced. Instead of Aidvantage complying with this, they deceptively encourage borrowers to sign up for automatic payments and and notify you that your pause is almost over effective XXXX XX/XX/2022. When I call them to inquire, they claim to know nothing of the situation and that I may be eligible to apply for public service forgiveness and congratulate me for enrolling in automatic payments. They are trying to milk as much money from borrowers as possible before the government cancels all the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Complaint Against Experian for FCRA Violation - Report Number : XXXX Dear Consumer Financial Protection Bureau , I am writing to lodge a formal complaint against Experian for violating the Fair Credit Reporting Act ( FCRA ). Report Number : XXXX was closed on XX/XX/23, yet it has remained in the dispute process since XX/XX/23, exceeding the promised 30-day resolution period. 

On XX/XX/23, I initiated a dispute with Experian by directly calling their dispute specialist. We discussed various incorrect and fraudulent items on my credit report. The specialist assured me that the matter would be resolved within 30 days or removed, as required by FCRA Law. 

I submitted supporting documentation for the disputed items during the following weeks. However, on XX/XX/23, only the disputed addresses were closed and updated - Report Number XXXX. The account related to XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX. ) remained open without any dispute results until XX/XX/23. 

Experian 's failure to handle this dispute within the promised timeframe and its inaccurate reporting stand in violation of FCRA Law. I urgently request the CFPB to hold Experian accountable for their actions and have this inaccurate account removed from my credit report immediately. 

Enclosed with this complaint, please find relevant documentation, including records of my dispute initiation, communication with Experian 's specialist, and the subsequent updates. 

Thank you for your attention to this matter. I anticipate your swift action in resolving this dispute and upholding the integrity of the FCRA.
Product: Checking or savings account

When I Opened an account the teller open the wrong type of account I been getting charged for the past XXXX  years and it should have been no charged. Been trying to get help from Bank of America and they never had help they keep saying they will help and get to the bottom of that but never did. Until now they are saying the teller made a mistake a opened the wrong account but they can not refund the fees for the past XXXX  years they been charging and they can not explain why no one called me and helped and telling what was going on. No one ever helped me, no one called me back and they never fix their mistake and that they opened a wrong account not the one I asked for and now they just want to wash off their hands and no be responsible for anything. They opened a wrong account and been charging fees for over XXXX years and it should have been free and no one tried to help me.
Product: Bank account or service

I 'm a young professional not far removed from college and I had a Charles Schwab Bank High Yield Investor Checking account. After years of being a diligent customer -- never once overdrafting -- Schwab sent me a letter titled 'Re : Closure of Schwab Accounts ' in the mail, in which they informed me they were closing down my account in one month, without providing a reason why. 

This caused angst because I had to scramble in a short period of time to re-arrange my banking life so I could make pending payments on-time and avoid fees. Contributing to the angst was the fact that the monies in the Schwab account were helping Mom and Dad cover some of their bills. 

I asked Schwab by phone for an explanation re : the closure, but they informed me they were not legally required to explain why. I wrote the CEO of the company directly to appeal the closure. This appeal was rejected. And when I asked for an explanation, they again refused to provide any information. 

In short, Schwab fired me as a customer -- a good and diligent customer -- without explaining why.
Product: Debt collection

I am writing to formally lodge a complaint against Westlake Portfolio Management ( WPM ) regarding their handling of my account. On XX/XX/XXXX, I contacted WPM to cancel my GAP insurance and requested a copy of my service contract with XXXX. During this interaction, I spoke with XXXX XXXX XXXX from the XXXXXXXX XXXX XXXX XXXX 

XXXX XXXX assured me that he would provide all relevant files from my digital portfolio, including the original contract with US Auto and the Service Contract with XXXX. Subsequently, I received an email containing several attachments. Unfortunately, these attachments raised serious concerns : Debt Validation Letter ( XX/XX/XXXX ) : This document was included in the email, but it does not pertain to my request for service contracts. 
Involuntary Repossession Receipt ( No Recorded Lien Holder ) : The receipt lacks crucial information about the lien holder, which is essential for transparency and compliance. 
Transfer of Title from Former Owner : Again, this document is unrelated to my original request and contains sensitive information that should not have been shared.

Contract Listing a Similar VIN but a Different Consumer Contract : This discrepancy is alarming and suggests a mix-up or mishandling of documents.

Furthermore, the attachment containing these items appears to violate 38 CFR 75.113, which safeguards the privacy of American consumers. The inclusion of unrelated documents and the potential data breach raise serious ethical and legal concerns. 

I have reason to believe that my personal information has been released to someone other than myself, compromising my privacy rights. Despite previously filing a complaint, I have not received a satisfactory remedy. The response from Power of Attorney ( POA ) merely stated that WPM and Westlake Financial have been assigned ownership of my account, without addressing the specific issues raised. 

Therefore, I kindly request that the CFPB investigate this matter thoroughly and take appropriate action to rectify the situation. I seek assurance that my privacy rights will be upheld, and any data breaches promptly addressed. 

Please find attached relevant correspondence and supporting documents for your reference. 

Thank you for your attention to this matter. I trust that the CFPB will uphold consumer rights and ensure fair treatment for all.
Product: Credit reporting or other personal consumer reports

Complaint Against : XXXX TransUnion Account XXXX : XXXX XXXX Details of the Complaint : I am writing to formally dispute two collection accounts reported by XXXX XXXX XXXX XXXX XXXX, with account numbers XXXX and XXXX. Despite my repeated requests for validation of these debts, the company has failed to provide any proof that these debts are mine. 

On XX/XX/year>, I sent letters to both XXXX and TransUnion via certified mail requesting an investigation into these accounts. Over 30 days have passed, and I have not received any response from either credit bureau. Additionally, I have filed two complaints with the CFPB regarding these accounts, but the company has not responded to my requests for validation.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute any inaccurate or incomplete information on my credit report. The FCRA mandates that the burden of proof lies with the debt collector to provide documentation verifying the debt. If the debt collector can not provide this documentation, they are required to remove the disputed information from my credit report.

Furthermore, I was never notified about these debts before they were placed on my credit report, which is a violation of my rights under the FCRA. No one contacted me regarding these debts, and I was not given the opportunity to dispute them before they were reported. 

Requested Resolution : I request that XXXX and TransUnion immediately remove the disputed accounts ( XXXX and XXXX ) from my credit report. If these accounts are not removed, I will be compelled to pursue legal action against both the debt collector and the credit bureaus for furnishing false information. 

Please refer to my previous CFPB complaints for additional details. 

Thank you for your prompt attention to this matter Please see CFPB complaints XXXX XXXX Where the company violated the law by telling me that I needed to prove that the debt wasn't mine without offering any proof that it was.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, Transunion sent me an updated copy of my credit report. After reviewing the report, I discovered that 2 out of the 5 previously disputed, unverified item were still on my credit report. ( XXXX # XXXX XXXX XXXX # XXXX  ).

Ive informed Transunion numerous times that I do not know these accounts, and requested that they send me the applications and agreements with me signature, for when these accounts were opened. Ive received nothing from Transunion.

If the above-mentioned accounts were verified as outlined in the FCRA, then the original creditor must have sent Transunion copies of the application, agreements with my signature. I respectfully request that Transunion open my file, and send me copies of the applications, agreements with my signature, as proof and verification. If they can not provide me with the proof that I need, then the accounts must be promptly deleted.

In addition, Transunion has reinserted two collections accounts that were investigated and deleted from my report dated XX/XX/2018 ( XXXX XXXX XXXX XXXX XXXX XXXX ). I did not receive a five ( 5 ) day re-insertion letter as outlined in the FCRA 611. Please delete said account immediately.
Product: Checking or savings account

I ( had ) 4 accounts totaling over {$70000.00} with chase bank including a business account for past 3 years. We went to the Chase branch in XXXX XXXX in XXXX OH since I wanted to open  another account for my in-laws. I am a US Citizen, but my in-laws are green-card holders and often visit us in the USA and stays with us for a year or so for each visit. We provided the original green-card, social security card and their passports to the banker. I added myself as the authorized individual to my in-laws account for emergencies. After few days, we receive a letter stating my in-laws need to show their proof of address in 3 days otherwise their account is going to be closed. Apparently immigration letters and social security letters serve less value vs driver license or utility bill!!! I was going to be out of town and I told them to close it and we will re-open another account later. But in day 2, I learned that all my other personal accounts are also frozen and scheduled to be closed as well. Although I did not do anything wrong nor illegal and my in-laws were not on my accounts. My only crime was that my in-laws happen to have an XXXX passport and they are XXXX XXXX XXXX and as the 3rd member my social security number was associated with their account too! I had deposits coming in and I have already made bill payments which will not be cleared due to this bank 's action! Chase did nothing to resolve the issue. The branch banker says that at the time he opened the account, he was not prompted any kind of alert by their system for additional document or proof of address. So, their system, their errors, but the consumer has to go through the hassle and overdraft fees and late fees regarding the bill payments! They are doing NOTHING To resolve the issue on their end and keep saying that we will make you a check in next 10 days! This is clear discrimination and lack of management on Chase behalf! If their system is faulty, why consumer has to go through the hassle and financial damages.
Product: Student loan

I have federal loan payments through Navient. I have had this for two years now. The first year everything was fine. I submitted for pay as you earn payments and it was good at the beginning. At the XX/XX/2016, I filed my taxes and submitted the forms ( just like I had done the year before ). After not receiving any reply I called them two weeks later and they told me they never received the information. Which seemed strange to me since I had already done this the year before. Because the payment was extremely high and I was not making much money at the time, the woman working for Navient told me I should put my bill in forbearance. Although I did not want to do this, I also did not want to make a payment that was way higher than I should be making. I resent the information to them and again after not hearing any reply from them I called them three weeks later and they told me ( again ) they never received the information. I told the representative that is must be on their end that they are not receiving it and she told me that I should try to do it online. Again she was extremely quick to want to throw my loans in forbearance and told me that there is no penalty for doing so, that it was just tact onto my payment duration on the end of the loan cycle. After already being through 4 months of the XX/XX/2016 year I tried doing it online. And AGAIN, after not hearing any response I had to call them and they told me that I submitted the forms wrong and had to do it again. At this point I knew something was wrong because I did not do anything wrong I triple checked everything to make sure. She told me that the only option we had was to put it in forbearance again. Thinking that there would be no penalty I agreed to do so until they figured out what was going on. The fourth time I tried it I never received a reply and could not get ahold of anyone. They constantly switched me back and forth to different departments and I received no answer. I then went to look at my account and my original loan of XXXX was now it is thousands of dollars higher than what it was. I had no idea what to do because I can not get my forms through to this company and they just keep avoiding helping me. I saw online yesterday that Navient has a lawsuit against them and I read thousands of other people are dealing with the exact same thing. So they have tacked on thousands of dollars to my once original XXXX, and have lied to me about not receiving my information. At this point I am stuck and have nothing I can do.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to address the inaccuracies present in my credit report across the three major reporting agencies- TransUnion, XXXX, and XXXX. The Fair Credit Reporting Act explicitly states that information can not be reported without my consent. It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security of their non-public personal information. 

In my report, I have observed discrepancies regarding an account with XXXX XXXX. TransUnion reports the account as being opened on XX/XX/year>, while XXXX and XXXX report different open dates- XX/XX/year>. This inconsistency is not only inaccurate but also detrimental to my credit standing. I request the immediate removal of this item from my credit report. 

Furthermore, TransUnion and XXXX report a credit limit of {$550.00} for this account, whereas XXXX reports the credit limit as {$0.00}. These discrepancies further compound the inaccuracies in my report. 

The laws 15 USC 1681n and 15 USC 1681o are crucial in defending my claims. These provisions outline the civil liabilities for noncompliance with the Fair Credit Reporting Act, emphasizing the importance of accurate reporting by the credit reporting agencies.

Additionally, 16 CFR 313 and 16 CFR 313.7 play a significant role in defending my claims. These regulations pertain to the privacy of consumer financial information and mandate accurate reporting to ensure consumer privacy rights are upheld. 

It is also notable that while TransUnion and XXXX report this account as current, XXXX inaccurately lists it as 90 days late. This disparity in reporting further underscores the need for immediate correction.
Product: Vehicle loan or lease

We paid off the lease on XX/XX/year> at XXXXXXXX XXXX XXXXXXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX deposited our check which cleared our bank on XX/XX/year>. XXXX XXXX XXXXXXXX XXXX then mailed a check to Toyota Financial Services ( " TFS '' ) on XX/XX/year>. TFS has told us that they received the check on XX/XX/year>. 

TFS has not processed our payment. TFS told us it would take XXXX days to process the check. It has now been XXXX business days and the lease still shows as outstanding and overdue on my credit report. 

TFS is causing us financial duress. The open lease negatively impacts my credit report. If TFS shows that we're 30 days past due with will also impact my credit report. 

I am shocked that a check for over {$50000.00} cleared my bank on XX/XX/XXXX and I have nothing to show for it but the bad faith, lame efforts of TFS.