23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I have been using Western Union to send money to relatives in XXXX. For the quite a while now I have noticed that they started changing the information of when the transfer would be available to the receiver. They indicate to you prior to submitting the transfer, that it is a immediate availability to receiver transaction but as soon as you submit and pay, then they change that immediate availability to available for pick up at a different future date. This misleading practice is very unprofessional and upsetting. I have had to go through their complaint process twice already and both time they just respond that the transaction is then available at that time after the complaint. ( after the supposed immediate availability date has passed but before the date they informed after submitting the transfer. I have just placed a new transfer and again they are misleading consumers by selling you a product with immediate availability but as soon as you pay that changes to available at future date. 
( please see all supporting documents if I can upload documents on this complaint )
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 authorized, I was charged fees due to lagged posting if charges and credits. The issue aligns with the recent CFBP 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

I have sent proof of identity theft to the XXXX credit bureaus they have not acknowledged the information or removed any of the accounts. I have done this on 4 occasions in the last year, i have gotten a police report, ftc affidavit, and requested the bureaus to send me proof of these items that they are saying i recieved gainfully. I do not know what else to do at this point. I have done everything that was requested and they will not remove the items
Product: Bank account or service

On or about XXXX XXXX, I purchased a XXXX tour from my travel agent, who has offices in XXXX and the United States. I live in the US. My travel agent charged my Citizens Bank debit card approx. {$5200.00}, for both my daughter 's and my own trip ( approx. {$2500.00} per person ). The trip was paid for in US dollars. I then received a charge from Citizens Bank for {$100.00} dollars. No one at the Bank wanted to tell me what it was for. At first they said it was a foreign currency exchange fee. I said no foreign currency was involved. I was put back on hold. Then they said it was a foreign ATM fee. I said no foreign ATM was involved. I was put back on hold again. Finally, they said it was because my travel agent was in XXXX and not the US when I paid for my trip, which is absolute nonsense. I received no value for my money, and Citizens Bank did absolutely nothing to earn it. It is simply a fee to charge a fee and gouge the consumer, and that is not right. When choosing a new bank, I suggest choosing a more ethical bank who truly cares about their customers and puts their interests first.
Product: Vehicle loan or lease

Car was sold, I overpaid my payoff amount to Ally Financial and they are saying it will take them 40 days to refund my overpayment, because " the amount of overpayment was large ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a debt that is showing on XXXX  and XXXX  and it has been mailed to my forwarding address. I have never done business with CONVERGENT OUTSOURCING INC, I contacted them they stated I needed to file a police report and make a complaint. I wanted to make my complaint to you because I only recieved mailed at that address for 1 month I had recently become a guest to America. I have proof and will be filing the police report with the 3 bureaus. 
XXXX XXXX XXXX XXXX. New jersey needs to be removed was a address issued to send paperwork never ordered Bill 's there CONVERGENT OUTSOURCING INC never done business with them either XXXX XXXX XXXX I cancelled my policy with the insurance and they still charge me when I left the company I didn't even use their services a month XXXX XXXX not my numbers inaccurate
Product: Debt collection

This account was a result of identity theft due to an Equifax credit breech which I filed a settlement it had been already disputed and removed from Equifax back in 2020 and the original creditor is sprint for the amount XXXX. Now it has been sold to another collection agency source XXXX XXXX XXXX for the amount of XXXX and this fraud has been reported by Equifax on my report. Equifax has a responsibility to protect the consumer.
Product: Credit card or prepaid card

I had to replace my debit card from which i was making payments to my credit card from and now i cant get ahold of anyone at the credit card company to switch pay methods. When i try to do it in the app it says my bank information is incorrect. When i call the customer service number im told the wait time would be XXXX min. I been on hold now for XXXX min and counting. This is with self inc. And ive been trying everyday waiting on hold for up to XXXX min at times only to get impatient and hang up. Now this is going to affect my credit rating. Not my fault what else can i do i cant even find an address on this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I had submitted dispute letters to you recently and received a response that is nothing more than a stall tactic. The errors on my credit report that was addressed is inaccurate and your refusal to comply with my dispute request is not acceptable. This is your final chance to resolve the inaccuracies on the account : XXXX XXXX XXXX XXXX Late Date XXXX
Product: Checking or savings account

When using Bank of America 's online banking tool both mobile and online the information being posted is misleading. I have always used what was on their main screen to determine my balance. It was not until XXXX of 2017 while trying to settle another complaint was it brought to my attention that they actual correct amount in your account is on a 2nd page, not the main page that they bring you to on both the mobile and web applications. This being the case, whenever I thought I had a positive balance and used the funds there would end up being an overdraft due to the correct information, or actual information, being on the 2nd page. These two pieces of information are the available balance history and the statement balance history. On the main screen you see the statement balance history which is what I used to determine what was available but I was told what I should be using is the available balance history. Why would you put the available balance history, if that is what consumers are to use, hidden and not the first page available when they log in vs. having the statement balance history be what shows up first? This is extremely confusing and having been a customer of BOA for several years I am very upset that it has taken the 10 years for me to even hear about the difference between the two. I believe this is how the bank is able to charge those of us who are not aware and it is false advertisement.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 Section 206 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Due to the following XXXX [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Re-Insertion of Previously Deleted and Unverifiable Debt I am filing this complaint against Experian, XXXX, and the debt collector XXXX  XXXX XXXX regarding the improper re-insertion of a previously deleted and unverifiable debt on my credit report. 

The account in question is XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX account number XXXX. 
This account was originally submitted to my credit report by XXXX XXXX XXXX XXXX Original Creditor : T-Mobile ). 

Following a dispute, this account was deleted from my credit report because it was found to be inaccurate or unverifiable. 
A few months later, XXXX  XXXX XXXX submitted the same debt, and both Experian and XXXX reinserted the account on my credit report without conducting a proper investigation or notifying me as required by the Fair Credit Reporting Act ( FCRA ).

FCRA Violations : This situation involves potential violations of the FCRA, specifically : Re-Insertion of Deleted Information ( FCRA 611 ( a ) ( 5 ) ( B ) ) : A consumer reporting agency can not reinsert deleted information unless the furnisher certifies its accuracy, and the CRA conducts a reasonable investigation. To my knowledge, no certification or investigation occurred.

Failure to Notify ( FCRA 611 ( a ) ( 5 ) ( B ) ( ii ) ) : If reinserted, the CRA must notify me in writing within 5 business days. I received no such notification.

Failure to Investigate Disputes ( FCRA 611 ( a ) ( 1 ) ) : Both CRAs failed to conduct a reasonable investigation before re-adding this account.

The improper re-insertion of this unverifiable debt has caused harm to my credit score and overall financial standing. The failure of Experian and XXXX to comply with the FCRA has also caused undue stress. 


The attached documents demonstrate the following timeline : XXXX. In my credit report pulled in XX/XX/year>, XXXX XXXX XXXX was listed as reporting the debt. 

XXXX. In my subsequent credit report pulled in XX/XX/year>, the entry for XXXX XXXX XXXX had been removed from my credit report. I also received formal notice from the credit bureaus confirming the deletion of this account. 

XXXX. However, in XX/XX/year>, XXXX XXXX XXXX submitted the same account to both Experian and XXXX, and the debt was reinstated on my credit report. This was done without any notification to me or an investigation by the credit bureaus, as required by law.
Product: Credit reporting or other personal consumer reports

I have pay the settlement but still showing on my credit report
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax continue to report inaccurate infromaton for the account listed XXXX Account # : XXXX. 

Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX No. of Months ( terms ) : XXXX XXXX XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

theres an account that doesn't belong to me that has been reporting to my credit and is preventing me from getting employment and A home. 

XXXX XXXX has already sent me A letter stating that they did research and the account is not mine but experian still has not removed said file from my report this is my 3rd time over 90 days reporting this. I have all of the mail receipts and documentation. 

attached the letter from the XXXX services stating that its not my account driver license and ssn
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX - '' The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite the fact that I have submitted previous dispute to your agency. I urge your agency to reinvestigate these accounts and ensure that correct, fair and complete reporting is given. 

A charge-off account with a balance? Are you sure you know what you're doing? How come you keep on reporting inaccurate information on my credit file? I demand the immediate deletion of this inaccurate information. 

XXXX {$48.00}, Bank XXXX XXXX {$530.00}, XXXX Bank {$1000.00}, XXXX XXXX Bank {$480.00}, XXXX XXXX XXXX {$840.00}, XXXX {$0.00} - I see that these accounts have charge-off status and yet there is a past due balance on your report, do you know it is a violation? I urge your agency to re-investigate these accounts and ensure that correct, fair and complete reporting is given. I don't believe the status of these accounts are accurate either. Delete these accounts due to multiple violations, these delinquencies on my credit report should not be there. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. Please provide me with all instruments used to report this account on my credit report. If your agency is unable to do so, I demand that these accounts be removed from my credit report. I had requested that these accounts be verified and validated, I have not seen ANY PROOF from XXXX that this was ever done. I need all correspondence regarding the previous dispute including the data provided to make sure that this account is accurate. If your company is unable to do so, please remove these accounts from my report immediately.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Checking or savings account

I received a direct targeted email marketing notice from TD Bank, which stated the following : " Hurrytake advantage of your offer before it expires! You can earn up to {$600.00} when you open new personal TD checking and TD savings accounts by XX/XX/XXXX with qualifying activities. 

Earn {$400.00} : Open a new TD Beyond Checking account and have {$2500.00} total in qualifying direct deposits within 60 days. 
Earn {$200.00} : Open a new TD savings account, make a deposit of at least {$10000.00} within the first 20 days, and maintain at least a {$10000.00} balance for 90 days. '' I have opened the accounts, completed the requirements, and confirmed my eligibility with TD Bank, as evidenced in the attached documentation. 

However, TD Bank has refused to pay out the full {$600.00} bonus, falsely claiming that I don't meet the requirements to delay proper handling of my case ( see the attachment for evidence ). Then, they tried to convince me to accept a lower tier bonus that was publicly available with a much lower payout ( see the attachment for evidence ). They later pushed the issue to an inaccessible backend department and have remained unresponsive.
Product: Credit reporting or other personal consumer reports

8 complaints closed with 7 different completely absurd explanations that have absolutely nothing to do with the problem which is Experian NOW has stolen almost 20 months of on time never late payments to XXXX and refuse to give them back
Product: Credit reporting or other personal consumer reports

The three inquires listed are not mines. Please delete. They are fruad. 

Inquiry details 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 card or prepaid card

American Express charged me interest for a Pay over time purchase that I didn't authorize. When I saw the interest charge on my Amex gold account, I looked into it and realized that they must have enrolled me, without my knowledge, in the program. This caused my purchases to automatically be charged interest. I would like to request an immediate refund for all applicable interest charges and would like this terrible " feature '' disabled on my account.
Product: Debt collection

When I was in high school and living at home I had a XXXX account with my brother. I eventually moved out of the house, and called XXXX to be removed from the account. At the time, I thought I was covered for good. Just a couple of months ago, XXXX shows up on my credit report as a collections entry. I called XXXX to ask them what the problem was, as I should n't have been on any accounts for the last nine or so years. The first time I talked to them, the representative basically said they were able to fix the mistake, and that the entry would be taken off my credit report in about a month. After it had not been removed after around 40 days had passed, I called XXXX again. This time the representative said there was no notes about a previous call, and that I still owed the balance due. I reiterated that the balance should not be attached to my name at all. He lowered the amount due, but would not remove the report from my name. I should not owe any money to XXXX, but they are XXXX up my credit report with an old bill that should never have been mine to begin with.
Product: Credit card or prepaid card

Called customer service to report I had paid on a Sunday instead of Saturday bc of the short month, I thought the second was Sunday. Representative was polite but not helpful. I have kept my payments current through Gov shut down and non payment, meaning receiving no income. This month was 28 days, this was a honest human error on my behalf and humbly request that the late fee be removed from my account. The payment was due on a Saturday, paid on a Sunday.
Product: Credit reporting or other personal consumer reports

According to FCRA all information should be 100 % accurate. 

please see attached. 

Also, 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 or other personal consumer reports

I was shocked to see inaccurate accounts on my credit report tonight, and I can't understand why they're there. I check my report regularly, and suddenly there are errors that I didnt expect. I even tried refreshing my browser, thinking it was a glitch, but the incorrect accounts stayed put. Im now asking for a careful review of the documents Ive submitted to ensure I never have to worry about this happening again.
Product: Credit reporting, credit repair services, or other personal consumer reports

on or about XXXX/XXXX/XXXX I went to annual credit reports to get my XXXX credit bureaus. XXXX of the XXXX sources would not give me the report by internet ( XXXX XXXX Trans Union. ) Trans Union mailed me a letter on XXXX/XXXX/XXXX that said my file was suppressed and I had to call them. on XXXX/XXXX/XXXX I called Trans union at XXXX and spoke to XXXX different agents finally talking to a XXXX XXXX? who stated that someone suppressed my file as a minor and that I would need to send them proof of copies ID and Social Security card to get the file unsuppressed. I objected and asked who placed the hold and she would not tell me who suppressed the file I again asked for a copy of my unsuppressed file to be mailed as I already answered all the security questions that she requested and she refused again stating that I must sent the Id and S.S. card which I refused to send in the mail. I do not think that I need to comply with the request of my social security card be mailed to them to unfreeze my file as this further compromises my information and does not comply with FDCRA. there policy of hard copies is above and beyond what is required to access this information. I have complied with all requirements by phone to satisfy verification of identity and anymore more proof is not needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX  # XXXX, XXXX XXXXXXXX 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
: 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 with an

tedates the report by more than seven years. 15 U.S.C 168s-2 ( A ) ( 1 )
A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate