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

On XXXX XX/XX/2024, I went into the Navy Federal Credit Union which is the only branch in XXXX Georgia. My purpose was to transfer funds from my bank ( XXXX XXXX XXXX ) in XXXX, Tn. This was my XXXX or XXXX time making this transaction request and as early as XX/XX/2024. I provided two forms of ID and both my debit cards ( XXXX and XXXX XXXX ) to the cashier. I was told by the cashier that my card was from XXXX. I stated that my bank is in XXXX, TN. She informed her manager of the situation, but I was informed that I could not make the request to transfer funds. I stated that I have made this request several times and had no problem until today. I was told that the other cashiers did not go through the system. I know that that statement was not true because every time I made that request, it was validated by two personnel which was the manager and the cashier. I told the manager that there must be a clerical error that the current cashier made because all the other cashiers could not have made the same mistake. The manager did not ask to sit with me to see if my bank was valid and not from XXXX which was the chief reason as to not granting me the request. I called my bank and informed them that Navy Federal Credit Union in XXXX Ga accused them of being from XXXX. I was told that this is an issue on Navy Federal Credit Union 's end. I feel that I was treated unfairly as I thought that I was a valued customer. If the cashiers did something that was improper, then there should be some type of reprimand however, I don't believe they did but the cashier on this day was in " Error ''. Now I have no clue as to whether I can do future transaction of this nature in the future. I would like for the Navy Federal Credit Unit to relook by bank because this is clearly an error but as for me the customer, I was denied my right to make a transaction that I am entitled to make. Please help in this matter.
Product: Credit reporting

accident / incident reported on my transportation Employment History. ( Hireright ) On XXXX/XXXX/2015 a accident was reported upon my history as a preventable Accident. this is untrue i was not at fault for this accident. and the reporting of this accident as preventable is damaging my person as to employment.
Product: Debt collection

Syndicated Office Systems is attempting to collect a medical debt ( {$440.00} -   XXXX   2015 ) that is not mine and have failed to provide any legitimate documentation on the false debt. Not only is Syndicated Office Systems fraudulently attempting to collect an erroneous debt, but they have falsely reported this to all   XXXX   credit agencies causing a significant decrease in my overall credit score. This predatory collection agency has violated the Fair Debt Collection Practices Act on all levels and I would like this resolved ASAP.
Product: Credit card

Applied online for credit card with balance transfer option, approved and asked if I wanted to make a transfer. Submitted info for the transfer and it said there was an error. Called CC company and they said I have to wait for the card, took close to an hour before finally getting someone to admit they didn't know why it errored and no way to find out why but now have to wait. 

That is false and misleading as I am unable to complete the transaction today. If I had known this was going to be an issue I would have screenshot the error I received. This account already exists on my account profile and but unable to use. I expected to get it done by making a phone call. Instead got the run around and took close to an hour.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed some inaccurate information when I pulled my credit and sent a letter to the credit bureaus XXXX, Experian, and XXXX this information they are reporting inaccurate is preventing creditor from giving me rates I deserve. I know a little about the FCRA and it stated that unverifiable or inaccurate information must be investigated within 30days or must be removed. These companies are in violation of the Fair Reporting Act
Product: Prepaid card

On XX/XX/2017, my card was charged {$25.00} from XXXX and {$60.00} from XXXX. I did not approve or make these charges. After calling both XXXX and XXXX i realized someone was using my card to make these unauthorized purchases. I have an email from XXXX stating these charges were made on a different account with my card and were fraudulent. I also spoke with manager XXXX at XXXX who printed me out a statement to where the pizza had been deliver. It was not my address or name or number. I disputed these charges the same day with American express Serve. I was informed i had to call back because the charges were still pending. I called back that following Tuesday and put in my dispute. Less than 24 hours later i received an email from American Express saying, as per their investigation, the charges were authorized and they were permanently locking my account. I called and spoke with numerous supervisors and made them aware, as i had from the start, that i had an official email from XXXX stating the charges were fraudulent and XXXX would also say the same. On top of having been stole from, my bank did not investigate my claims or these fraudulent charges, basically telling me i was lying and closed my account which i have been in good standing with for over 2 years and my paycheck is deposited on. I was advise to fax the proof and a document to American Express. When i called to see if it was received they told me they could not do anything because the account is permanently locked. I just want my {$85.00} back and a apology for the lack of investigation and closing my account.
Product: Credit reporting or other personal consumer reports

XX/XX/2023, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, US Dept  of Ed/XXXX/XXXX. There are also inquiries on my report that .I know nothing about XXXX, XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Equifax Reporting Agency Upon reviewing my consumer report, I noticed that it inaccurately reflects late payments on the following account : Account Name XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX This reporting is incorrect, as I have consistently maintained on-time payments for this account. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 607 ( b ), you are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. The inclusion of late payments on my report violates this provision by inaccurately representing my payment history. 

Inaccurate information on a consumer report not only misrepresents my creditworthiness but also unfairly harms my ability to access financial opportunities. These errors violate my rights under the FCRA and must be corrected.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate. 
Please remove these Inquiries from my credit report.
Product: Checking or savings account

I used my debit card to make a purchase. That purchase was never delivered. I filed a dispute and the dispute was closed in my favor. Credit Karma has verified the dispute was closed in my favor and as of date refuses to return my money.
Product: Credit reporting or other personal consumer reports

Things are on my credit report thats lower my score significantly
Product: Credit reporting or other personal consumer reports

I was completely taken aback to find inaccurate accounts on my credit report tonightI have no idea how this happened. I regularly check my credit report, and this time, there were unexpected discrepancies. I even refreshed my browser, thinking it might just be a technical issue, but the errors were still there. I am requesting a thorough review of the documents I've submitted so I can finally put this worry behind me.
Product: Mortgage

Failure to fully respond to QWR Loan Number : XXXX On XX/XX/XXXX : The servicer received my request On XX/XX/XXXX : The servicer partially responded to my request ( as seen in the attachments " PHH QWR Response '' ) These are the following issues : 1. Failure to Provide a Payoff Quote : The servicers refusal to provide a payoff quote because the account was paid in full could be seen as inadequate if the original request sought historical records, including a detailed breakdown of how the payoff was calculated. Under RESPA, the servicer is still obligated to provide me with relevant servicing records and should not dismiss a QWR without addressing all aspects of the request. 

2. Acknowledgment of Successor-in-Interest ( SII ) Rights : While the servicer acknowledges my successor-in-interest status, it emphasizes that successors are not personally liable for the mortgage debt. This statement aligns with federal law but does not absolve the servicer from providing requested servicing documents if I ( the successor ) act as the personal representative of the estate. 

XXXX. Partial Response : The servicer 's response letter states that a separate response will address the remaining queries. Under RESPA, the servicer must respond to a QWR within 30 business days, and partial responses do not satisfy this obligation. As of the date of my CFPB complaint ( XXXX more than two months later ) the servicer still has not address the remaining queries of my request. 

4. Directive to Write for Mortgage Documents : Directing me ( the requester ) to write to another department for copies of documents ( as seen in the attached response letter " PHH QWR Response '' ) can be viewed as delaying tactics. The original QWR likely requested servicing records, including mortgage and collateral documents, which should be provided directly without requiring additional steps.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report 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

The US Department of Education is reporting 2 accounts that they said were open in XX/XX/XXXX. I didn't open any accounts with the Department of Education on XX/XX/XXXX or went to any school or college in XX/XX/XXXX. I wrote the Department of Education on XX/XX/XXXX to delete the fraudulent accounts and I wrote the credit bureaus multiple times to investigate and delete the fraudulent accounts. To this day the accounts are still being reported on my credit and neither the department of education or any of the 3 major credit bureaus have produce any documents that verify the debt as mine. They haven't produce any documents at all.
Product: Debt collection

In XX/XX/2018 a certified letter was sent to Portfolio Recovery Associates requesting proof of contract or application obligating me to this debt this company claims I owe. Portfolio Recovery Associates has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of Portfolio Recovery Associates. Portfolio Recovery Associates is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
Product: Mortgage

My XXXX and XXXX mortgage is with Wells Fargo I struggle each month to make my payments to them. I am using almost XXXX % of my income to accomplish this. I have been requesting mortgage assistance going on 3 three years from Wells Fargo. Wells Fargo is encouraging me to be late on my mortgage in order to give me assistance, however, the definition of imminent default I believe I meet ; My income is XXXX a month ; my total payment is {$3400.00} I have a little over {$2000.00} in the bank, the threshold is {$25000.00}. I do not trust Wells Fargo they have shown zero interest in my struggle to keep my home.
Product: Credit card or prepaid card

On XX/XX/XXXX we transferred to Bank America Credit Card Account {$8700.00} from our checking account the amount above to pay the full balance of our credit card bill. Previously by phone we talked with the credit card company telling them we were going to do this. At that time we were advised that we had Bill Payer on the account and she walked us through cancellation of this Bill Payer pricesss. on line and we were told it was cancelled. That left a XXXX balance on our credit card account. On XXXX XXXX, Bank XXXX XXXX went into our checking account and exxracted {$88000.00}. This amount shows as a credit on our Bank of America Credit Card Account. This left us overdrawn in our checking account. On XX/XX/XXXX, we notified BA about this error. They said it was a clerical error on their part and it would take 5 working days to replace the money in our checking account. We did not receive the money in that time. We were then advised that it would take 10 days. We did not receive the amount again and we called and I was told that we would be refunded on XX/XX/2021. We were told at this time that they held the money in case something went wrong with the transfer of the {$8700.00} which was already in their account. I can not believe this is legal. My bank has been very patient since we have no money in our account at this point. We are an elderly couple in our 80s and do not have a lot of money. Pleased help us. Since all of this the amount of money in the Bank of America account has changed. On XX/XX/XXXX reimbursement amount was {$8600.00}. On XX/XX/XXXX it was to be {$8700.00}. This to me is taking advantage of the elderlly. I certainly know that if we were late in paying Bank of America we would pay big consequences.
Product: Credit reporting or other personal consumer reports

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove this entry immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed. XXXX XXXX XXXX Date Opened : XXXX {$0.00}
Product: Credit card or prepaid card

On XX/XX/2023 - I applied for a Cit Advantage Platinum Select Card after receiving an advertisement while checking out of an American Airline purchase. The advertisement specifically mentioned that I could use the card to " Pay Today '' and received a " {$200.00} '' statement credit and receive XXXX bonus miles. 

After following the advertisement, it was clear the bonus miles were dependent on a {$2000.00} in purchases during the first few months- which this ticket should qualify towards and I submitted the application and received approval. 

However, despite contacting Citi several times using there web-chat, phone, and escalating to a manger ; Citi representatives indicated there was no way to get temporary card numbers needed to " Pay Today '' and that I would have to wait for the physical card to be received 7-10 days later.
Product: Checking or savings account

On XX/XX/23, I was contacted by the fraud department at TD Bank who suspected alteration ( name whited out and replaced ) of a payee on a {$11000.00} check deposited there drawn on my account at Wells Fargo. I confirmed a different intended payee and fraud was confirmed. I immediately contact my bank to alert them to the fraud, closed the account and transferred funds to a new account I completed and sent the notarized affidavit at the Wells Fargo branch. Despite that there are no contested facts in this case, I am being told by Wells Fargo that return of my funds may take 4 months subject to an investigation and even then are not assured unless they recover funds from XXXX. As I have satisfied my requirement for immediate notification, I am seeking immediate return of funds to enable me to compete payment to the original payee. I have repeatedly requested same form multiple individuals at Wells Fargo to no avail.
Product: Credit reporting or other personal consumer reports

15 USC 1681B in according to the fair credit report this creditor rays violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 6048 section 2 also states reporting agencies can not furnish without my written consent
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

I made a payment through my citi back checking by online bill pay for {$200.00} to costco credit card by citi bank on XXXX/XXXX/16. The money was taken out from my checking on XXXX/XXXX/16. But costco credit card never applies the payment to my credit card account. I called the first time around XXXX/XXXX/16. I was told payment was received by costco credit card, but did not know why it was not posted to my account. I was told it would take 5 days to post to my account. But a week passed, nothing was corrected. I called again around XXXX/XXXX/16. I was told it would take 14 days for the payment to posted to my account. Now it is XXXX/XXXX/16, the payments i made after the {$200.00} first payment, posted to my account very timely. Just the first payment of {$200.00} still not posted and interest was charged to my account. I am so frustrated and do n't know what else I can do instead of filing a complain.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have been trying to talk to someone for 3 months, and I have repeatedly been hung up on and have never actually managed to talk to a person. I have been trying to apply for forbearance that I qualify for, but they dodge my calls and I can't get any information. I am now in collections for the student loan as I can't get any progress on my student loan forbearance process. I have spent hours on hold, only to be hung up on. I've requested call backs, only to be hung up on. This is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the fair credit reporting act, XXXXXXXX XXXX account number XXXX and XXXX XXXX XXXX XXXX account number XXXX have violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose