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

In accordance with THE Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Re Acct # XXXX, has violated my rights. 

15 U.S.C 1681section 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.
Product: Vehicle loan or lease

In XXXX I signed for a loan on a XXXX XXXXXXXX XXXX  XXXX big horn addition at XXXX XXXX here in XXXX New Mexico. My payments we set at XXXX a month on my truck, the truck was used when I purchased it it had XXXX, XXXX on the mileage. I was told after 14 months I could either trade it in or I could refinance tho them to lower the payment. I am being charged a ungodly amount in interest. I have never purchased a vehicle from a big dealership and I did not know that there is a cap of no more than 15 % interest in my state since the governor set it at that amount .I due believe I am in a predatory loan and they will not refinance the vehicle or do a trade in even tho I have made XXXX of the XXXX in payments. I payed XXXX in interest alone last yr. I belive I am in a predatory loan and want out of said loan or I want them to relinquish my title as I feel I have paid more the law says is allowed. I have tried to make split payments and have been told as well that even when I pay part of my payment it is considered as a non payment. I have payed close to {$30.00} in interest on my vehicle since my contract that I feel is obscured. I fully belive I was taken advantage of and placed into a predatory loan where they refused to refinance or lower the payment. They would not move the date of payment either when I asked.
Product: Vehicle loan or lease

I am having a very difficult hardship. I haven spoke with OneMain financial several times and informed them not to attempt any more drafts from my checking account. Last informed them of this a few days ago after an attempt was made. Now a couple of days later this company has made another attempt after being told to stop. This is causing me overdraft charges and a big inconvenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was was reported on my credit reported XX/XX/2023 in the amount of {$1300.00} from XXXX XXXX XXXX. My personal information was taking in a data breach, and inaccurate information is reported on my credit report, without my authorization, or my written consent. via Federal Credit Act this is invade of privacy I demand it to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are shady credit card company by the name of XXXX XXXX my credit report that shouldn't be there there are addresses that I have never resided there but there on my report. There are a list of double inquires from the same company and also there are a long list of old inquiries that do not belong there. They have been added due a breach class action in which I was a part of. This has caused me miss several business deals and loan approvals.
Product: Credit reporting, credit repair services, or other personal consumer reports

ChexSystems continues to report fraudulent information associated with a fraudulent address I never lived at, of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. This is the address ChexSystem uses to falsely claim the listed fraudulent items are factual. Police reports confirm and validate the noted address as fraudulent. Thus, all accounts listed and associated to that address should be removed. These items include : *Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX *Inquire - XXXX XXXX XXXXXX/XX/XXXX *Inquire - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX *Inquire XXXX XXXX XX/XX/XXXX *Inquire - XXXX XXXX  XX/XX/XXXX *Inquire - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX *Inquire - XXXX XXXX XXXX XX/XX/XXXX *Inquire - XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX *Inquire XXXX XXXX XXXX XX/XX/XXXX *Account - XXXX XXXX  XX/XX/XXXX ( XXXX ) XXXX XXXXXXXX XXXXXXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year>, I noticed that my PNC Checking account has been used fraudulently causing a loss of {$700.00}. I believe it would have been more but there was only {$710.00} in the account. There were XXXX transactions, I was never notified by PNC XXXX XXXX. I called PNC fraud line and identity theft and notified them of the issue. I cancelled my debit card, notified them of the transactions and was told there was nothing they could do because the transactions were pending. PNC said I could file a complaint once the items posted! I told them I had bills coming due on XX/XX/year>, but was told nothing could be done until the transactions posted. On XX/XX/year> I went to the PNC Branch in XXXX XXXX XX/XX/XXXX and had my old card shredded and was issued a new card. I once again asked what could be done about the transactions and the urgency I needed a resolution because of my upcoming commitments, once again I was told the transactions were pending and nothing could be done until they were posted. To try and help my situation I transferred {$220.00} from another account. On XX/XX/year> the items posted and I called PNC Customer Service. I had to go over the whole issue again only to be told that I could register a complaint and I would have a resolution in XXXX days!!! After voicing my concern I was issued a partial resolution of {$240.00} for 2 of the transactions. After voicing my concern that this wouldn't resolve the issue I was told they could request the investigation to be expedited and IF accepted would take XXXX business day. I called the XXXX XXXX branch again and asked what I could do, they said they would look into it but never got back to me. So I'm stuck either bouncing payments and incurring bank charges or defaulting on the payments and incurring late charge. I don't understand why I'm the victim, but treated like the criminal.
Product: Credit reporting, credit repair services, or other personal consumer reports

LENDING CLUB CORP Account XXXX and XXXX XXXX XXXX XXXX Account XXXX ARE UNVERIFIED. 

XXXX has not provided proof of physical verification of the original signed consumer contract its has on file pursuant to Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). 
XXXX HAS NOT PROVIDED METHOD OF VERIFICATION
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXX/XX/XXXX which falls under trafficking according to XX/XX/XXXX Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Checking or savings account

I have to file this again because Regions is continuing their illegal practices. 

https : XXXX https : XXXX The bank charged overdraft fees even after telling consumers they had sufficient funds at the time of the transactions. 

Charging overdraft fees to consumers who had not opted into overdraft protection and to consumers who had been told they would not be charged overdraft fees. 

I have never opted for overdraft protection, I have not signed/esigned anything on my account, yet I am constantly being charged illegal overdraft fees. 

Look at my recent attached screenshot. I have XXXX transactions and a XXXX transaction that still yields a positive balance in my account and then all of a sudden, there is a - {$36.00} overdraft fee from Regions that brings my account into the negative status. I have countlessly requested that this feature be turned off my account and to deny transactions but now even if there is a positive balance, my account gets overdraft fees. How does this make any sense? You get charged for having a positive balance in your account? Is Regions Bank continuing to change orders or hide transactions in an effort to fake balances? This practice needs to stop! 

This is illegal and deceptive on the part of Regions Bank and the CFPB has continuously fined Regions Bank for this illegal practice, yet Regions Bank continues to engage in this behavior. Perhaps the CFPB needs to increase their fines to several $ Billion in order to enact change at Regions Bank. 

I have also not received any of the court ordered overdraft fees returned nor the most recent illegal ones.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account that is on my credit report with XXXX XXXX XXXX that is in a derogatory status. I had paid this account off with another creditor in XX/XX/2014. I contacted XXXX XXXX XXXX  and they advise that they have removed me from their files and they have contacted Equifax and reported to them that the account has been removed. This is still showing on my credit report months later. I tried to file a dispute with Equifax and they report that the account is correctly reported on my file. I have filed a complaint with XXXX XXXX XXXX  and they advise that the issue is resolved on their end ( see attached complaint form from your office. ) I tried a second dispute with equifax and their system will not let me file a complaint online. I am in the middle of trying to purchase a new car and can not because this negatively effects my credit. I have not had any issues like this until the Equifax breech. 
EQUIFAX AND XXXX XXXX XXXX  SEEM TO HAVE INEFFECTIVE COMMUNICATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account multiple times with all 3 Credit Bureaus This account was opened on XX/XX/XXXX and Requested to be closed and paid in full XX/XX/XXXX since then the credited has been charging me late fees every month. 
I spoke to XXXX on XX/XX/XXXX he states a late fee was put on the account in the amount of XXXX on XX/XX/XXXX on XX/XX/XXXX I paid XXXX and requested the account be paid in full because that was not the first month they tried charging me a late fee charge. On XX/XX/XXXX there was a credit of XXXX to the account that was to show paid in full per the lady on the phone. The computer system reviewed the credit that was given to me and took the credit back that was given to me. Now over the last year I have been charge nothing but late fees every month on a account requested to be paid in full. This is the only account that shows I have a XXXX, XXXX and 90 days late and the account is closed. I have requested a Itemized Bill numerous times by the company who refuses to provide me with it because there are no charges just late charges they continue to charge me even though the account was requested to be closed and paid in full that day. It shows on XXXX XXXX that it is a charge off account which is not accurate and that I owe XXXX which I don't because this account was paid in full when requested to be closed that day on the phone. I am tired of asking this company to be honest and do the right thing this is fraud and affecting my credit that I have worked hard on as a single mother. I am a finance manager who pays my bills and this is a poor excuse of a company scamming people
Product: Debt collection

The original creditor had a judgement posted against myself, but the judgement was then moved to another person 's name via the state court system. I had an attorney contact their lawyer and provide them with paperwork stating the debt was no longer in my name in XX/XX/XXXX. On XX/XX/XXXX of this year, I receive a notice from a debt collector still trying to collect the debt. I sent a certified cease & desist letter to the debt collector today ( XX/XX/XXXX ).
Product: Debt collection

I was set up on a payment arrangement for XXXX payments. Instead my entire balance was deducted out at once. It was an unauthorized payment. My arrangement was for XXXX payments of {$110.00} to be deducted from my account by check on XXXX XXXX and XXXX XXXX. The rep that took the unauthorized payment was XXXX with the ext. XXXX. When I realized {$230.00} was taken from my account I called multiple times to resolve the issue and no one answered the phone for the first 5 attempts. When I finally spoke with a assistant manager I explained the situation. They went back and listened to the call and heard me agree to XXXX payments. I asked for the other half to be reversed back into my account and was told that would take 10 days ( after my next due date ). I expressed that I felt I was being penalized for their mistake and I now was short on funds. They told me they could n't do anything else. I received contact information for the manager of that location ( XXXX ). While conversing with XXXX he was rude and made comments after I expressed how much of inconvenience the entire situation has been to me. He said things such as I was an inconvenience to his reps because I am in collections. XXXX expressed that I could have the money refunded once I had my bank send proof via email that the funds cleared my account. I informed him that I was aware that their system updates them once a balance is resolved so he had proof that {$230.00} was removed from my account. He expressed that he still needed proof and offered me a deal to have the payments stay resolved and he will have the credit bureau remove the collections off my credit report XXXX XXXX. I am currently waiting to receive that in writing. I emailed him to inform him that I needed it in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquires were unauthorized.
-XXXX -XXXX XXXX -XXXX XXXX/XXXX  IS REPORTED AS A INQUIRY XXXX times -XXXX XXXX IS REPORTED AS A INQUIRY XXXX  TIMES -XXXX XXXX XXXX XXXX IS REPORTED AS A INQUIRY XXXX TIMES -XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX -XXXX XXXX -XXXX XXXX -XXXX -XXXX XXXX XXXX IS REPORTED XXXX TIMES -XXXX XXXX -XXXX XXXX/ XXXX XXXX -XXXX XXXX/ XXXX XXXX XXXX -XXXX XXXX XXXX XXXX IS REPORTED XXXX TIMES -XXXX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX Account Number : XXXX : Update to Open/Never late. 


2. Unpaid balance reported as a loss by credit grantor XXXX Account Number : XXXX Please remove it from my credit report. 


3. Unpaid balance reported as a loss by credit grantor XXXX XXXXXXXX Account Number : XXXX Delete this account.
Product: Student loan

To whom it may concern, From XXXX, I attended XXXX a private college in XXXX no longer in operation. I have XXXX. I have federal and private student loans. My issues today are the private loans serviced by Navient. Recipients of private loans have no legal protection or recourse when attempting to negotiate a more favorable interest or payment plan. We are basically indentured servants to a system that enjoys protections that no other creditor is given. We can not discharge the debt in court. We can not ask for a change in terms or avail ourselves of the same options as Federal loans. There are no suspension of payments or repayment plans based on income or consolidation of multiple loans without a credit check. Navient may state that these options are available but this is not true. What Navient offers are temporary fixes that do nothing to address the real issues, high interest rates, lack of consolidation options, and a willingness to assist in a flexible change of terms so that loans can be paid off in a reasonable length of time.The interest rates charged for my private loans are 12-13 %, variable and not negotiable. The terms are 30 years. The payment has been around {$770.00} a month not counting Federal loans. I have been making payments for almost 7 years and the balance has not changed. I am allowed to ask for a limited number of forbearances ( {$150.00} a request ) but this does not stop the accrual of interest. Navient treats all loans as if they are federal when it suites them, such as grouping Federal and private loans together when setting payment amounts on household income instead of individual. I moved my Federal loans to XXXX to provide leverage when discussing my private loans with Navient. What few rights I have, I have learned to use. My loans are based on my income now, after reiterating these are private loans to the customer service staff. 
I have always paid my student loans. I am now XXXX years old and on Social Security. I see no incentive to continue paying private loans that, in essence, will never be paid off before I die. I have written to XXXX, the Ombudsman at Navient and now this agency. Please level the playing field for private loan users. I stopped taking private loans after 2 years at college when I realized what was happening. There is something wrong when 2 years of private loans have an accrued balance greater than 4 years of Federal loans. The real crime is there is not a thing I can do to pay my loans off and my only option appears to be default. Thank-you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX has violated my rights. 
I have already disputed these accounts with the bureaus, but they did not remove them, nor prove validation. 
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
Product: Credit card or prepaid card

This complaint arises from Comenity Bank 's failure to honor the " pre-qualification '' offer dated XX/XX/2022, failure to timely approve my application to use my " new account right away, '' and discrimination in processing and denying my application for the XXXX Credit Card. 

XXXX XXXX XXXX XXXX teamed up with Comenity Bank to create a " XXXX Credit Card, '' which provides " instant savings '' in the amount of the sales tax paid on qualified purchases. On XX/XX/2022, I received an email that indicated I was " pre-approved for a NEW XXXX Credit Card, '' which included a promise that I could use my " new account right away! '' The XXXX credit card pre-approval offer expired XX/XX/2022. 

Comenity Bank refused to honor this pre-approved offer and required me to submit an online application, which I completed on or about XX/XX/2022. I placed an order with XXXX XXXX XXXX XXXX on XX/XX/2022, and XXXX XXXX XXXX XXXX promised to honor the instant savings if I was approved within 30 days of the purchase. The tax on my order, which represents the promised savings, was {$160.00}. 

Sometime after this application was submitted, I received a letter from Comenity Bank, addressed to me, using my home address, instructing me to call the Comenity Bank fraud line, which I did. I answered all of the questions during the call. 

On XX/XX/2022, I received a letter from Comenity Bank stating " ... we are unable to approve your application for a ( n ) XXXX XXXX XXXX XXXX Credit Card for the following reason ( s ) : We are unable to verify your identity. '' The letter was signed with a generic " Account Protection team. '' The alleged failure to verify my identity was disingenuous as a a basis for denying my application and was clearly age discrimination. Important facts that I provided to Comenity Bank, in an effort to resolve this matter, include : 1. I have been a long-time customer of XXXX XXXX XXXX XXXX ; 2. I held a XXXX credit card issued by the previous bank XXXX XXXX  XXXX used ; 3. I have lived in the same house for 30 years ; 4. I have worked at the same employer for over 30 years ; 5. I used an long-established phone number and email address ; 6. I have excellent credit that is well established and stable ; and 7. I responded to a Comenity Bank letter that was directed to me at my residence. 

The only viable explanation was Comenity Bank 's discriminatory practices or ratifying the discrimination of its employees and agents. 

As a result of Comenity Bank 's illegal actions, I lost {$160.00} in " instant savings '' and a great deal of time in attempting to resolve this clear violation of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is attempting delay the correct reporting of information on my credit report. By asking for identification information, which was already sent and TransUnion has admitted its received my information.