23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I had a personal and a business bank account with NFCU ( Navy Federal Credit Union ), In XXXX I did a delivery load for an online company thru a Delivery app, well they did a deposit into my business account which I couldn't verify where it came from because I was unsure of the name. The bank restricted my business account and said it will remain restricted for 30 days while investigation occurs. I waited XXXX days and nothing happened but I was still receiving bank statements. So, after dealing with Covid and the Pandemic I needed the funds so I reached out to NFCU in XX/XX/XXXX and they closed my business account and even decided to close my personal bank accounts and my personal credit cards without even warning me. I had three major credit cards with them that I have had over 4 yrs+ and when I went to use them they did not work so when I called NFCU , they said when they closed my Business Account they was supposed to close my personal accounts due to suspicious behavior. Well, I'm still getting bank statements and not to mention I'm getting false termination letters regarding my credit cards saying they were closed due to non payment and that is not accurate. So, my credit score and my way of living is destroyed from a stroke of a key and due to NFCU not being honest about the credit card closure when I have a 99 % pay history on my credit report. Please help me!
Product: Credit reporting or other personal consumer reports

The list of below have violated my federally protected rights To privacy and confidentiality under 15 USC 1681 Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Mortgage

On XXXX XXXX, XXXX we took out a loan in the amount of XXXX and signed a promissory note promising to repay the loan. Also, on XXXX XXXX, XXXX we signed a Deed of Trust that was to secure the lenders interest in the property, however, the notary did not notarize the deed of trust effective XXXX XXXX, XXXX and instead the document purports to be notarized on XXXX XXXX, XXXX which invalidates the deed of trust. Bank of America filed a foreclosure action based on the invalid deed of trust and a recent sale was held on XXXX XXXX, XXXX. Bank of America did not have a secured interest in the property due to the invalid deed of trust which was improperly notarized. Bank of America and any other party claiming to be the holder of a secured interest in the property should look in the see the attached deed of trust. I tried attaching a complete copy of the deed of trust to this complaint, but the file is too large. I have place a copy of the first XXXX pages of the deed of trust and a copy of the last page of the deed of trust which is the acknowledgement page which shows the inconsistent dates.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX years ago, I took out an XXXX loan via 5th 3rd Bank for a company I was establishing, XXXX XXXX  XXXX XXXX XXXX. The agreement was that I would have a line of credit for the first XXXX years and pay only interest during that time. Throughout the years, I have received multiple erroneous late notices with late fees attached. Each of these notices has resulted in the late fees being canceled after an exorbitant amount of time talking with someone on the phone or at a local branch. 

In XXXX, I received notice that my XXXX XXXX payment was {$0.00} over due, and today a new notice arrived saying I am {$94.00} overdue, plus a fee of {$9.00}. As the attachments show, I paid the exact amounts of " Total Payment Due '' on my statements for both months. 
When I received the XXXX notice, I emailed my " personal banker '', XXXX XXXX XXXX, at " XXXX on XX/XX/XXXX at XXXX XXXX After several attempts to speak on the phone that day, XXXX XXXX XXXX called me back at XXXX and said he would look into the notice. I asked that they remove the letter 's statement that I was past due - even if it was just one penny because I go to great length to have my account paid on time ( see more below ). XXXX XXXX XXXX said he would look into it, but I have not received any communications from anyone at 5th 3rd until the now notice of being overdue that arrived today. Even though I think XXXX XXXX XXXX is a wonderful person, there is a pattern. I met with XXXX XXXX XXXX on XX/XX/XXXX for help with a similar problem. He called the commercial loan department and spoke to XXXX. She filed ticket # XXXX and said both of us would receive emails in less than a week regarding an explanation/resolution. To date, neither of us have received that promised email. 

In the past, I've been charged late fees when I paid 5th 3rd one or more days before the interest was due. Since the exact amount of interest designated on my statement had not accrued the day I paid, they applied the interest that had accrued up to the day I paid and then applied the excess to the principal. This process was never explained to me at the bank. Then the day the interest was due, they said I was overdue the amount they had applied to the principal and issued a late fee. 

I use to go into the branch and pay early with a check from another bank in order to give 5th 3rd time to process the check. That did not fix this problem. Now I pay them cash on the XXXX of each month, yet there is still a problem. 

I think the problem for XXXX is that they wanted me to pay {$94.00} to the principal as well at {$940.00} for the interest. Since the statement said, " total payment due '', and there have been problems in the past with paying any amount other than what was designated in that box, I didn't pay the principal they say is due. 

The ultimate problem is the confusion created by 5th 3rd 's statements. I have asked for help from XXXX XXXX XXXX as well as other managers at different branches regarding items on different statements, and they have not understood them either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax, XXXX XXXX XXXX are govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed becasue Accoring to 15 USC 1681. I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts XXXX. XXXX XXXX ( XXXX XXXX XXXX ) XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX University XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ) XXXX. XXXX XXXX Bank XXXX ( XX/XX/2022 ) XXXX. XXXX - XXXX XXXX ( XX/XX/2022 XXXX. Equifax XXXX ( XX/XX/2022 ) XXXX. XXXX - XXXX Service ( XX/XX/2022 ) They have also violated me under codes 15 USC 1692 ( B ) ( 2 ) & 15 USC 6802
Product: Money transfer, virtual currency, or money service

On Monday, XX/XX/XXXX, I went in to the Bank of America in XXXX, Florida at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX to send a domestic wire, for XXXX I waited for nearly XXXX minutes to send a domestic bank wire, for an Excrow account for the purchase of a home. 
Once helped, we were moved twice to different desks, and finally- " XXXX XXXX assisted me. 

I handed her the information of the recipient, with all the data necessary to send a wire to the title company 's bank. I asked if it would go the same day, and if not, could it be expedited to, for a fee, and that's what we did. 

The following morning, I awoke to a call from the title company stating the did not receive the wire. 
For the next XXXX days, I attempted to track the wire down, and pulled up the Bank of America Receipt, in which reflected a total of XXXX errors, including the recipients name. 

For the next 8 days, I held on hold with BOA for no less than an hour each time. 

Every time I got through, they told me different things : 1. We amended it, and it should go 2. We amended it, so we are waiting on the other bank to send it back 3. We amended it, and we are waiting for the other bank to accept it.

4. We have put in a request to cancel it 5. Its gone through fine, on our end 6. Its the other banks issue 7. The other bank said they are waiting on it 8. we will cancel it ( After they said it was received! ) This continued for nearly 10 days. No change, no close to resolve. The house was lost, due to inability to provide an additional XXXX right away, and we had to find another home. Bank of America noted in their system it was in fact a BANK ERROR. However, still not resolve. I escalated- yet no resolve. 

This has reached RIDICULOUS proportions, and the bank needs to refund me, as it was a bank error, and documented as a bank error. 

I have waited a VERY LONG time. I have been told at least 7 or 8 different things. I have receive little to no cooperation in resolve from the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

My attachments will describe the issues which involve : 1. XXXX failure to comply with Fair Credit Reporting Act ; 2. Failed to correct incorrect derogatory information in my file ; 3. Exhausted myself providing evidence that refutes information contained in my credit report ; 4. Failed to include statement in my credit report sent certified mail 3 bureaus ; 5. Failed to notify me that they had frozen my account ; 6. Failed to notify other credit bureaus ; 7. Failed to provide a credit score and report as recently denied credit.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under account number XXXX, an cellphone account opened at XXXX XXXX on XX/XX/XXXX under account number XXXX, and an auto loan opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

My Balance is too High. I will never be able to pay the balance out in this lifetime.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of ID Theft since 2013 IRS, for the past year and a half I have also had to change my bank cards which is an awful inconvenience for me when paying my bills. I contacted the credit bureaus and the companies involved and ask for them to remove all negative items from my credit file. I mailed a copy of a police report to all of the companies and I am waiting for their responses besides actions. XXXX XXXX was excellent and responded immediately. I am waiting for XXXX and Equifax besides the companies which I spoke with explaining my situation.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I sent a balance of {$400.00} to XXXX XXXX through money gram to be deposited to his bank. Unfortunately, we were not aware that his account had been deactivated therefore the money could not be cashed. His bank is XXXX XXXX in XXXX XXXX with old account number XXXX. Receiver went to the bank and first was told it was already cashed by a teller but couldn't have been because he never went, he went back multiple times and they then told him the money was nowhere to be found and that they needed to contact money gram. I called moneygram multiple times and they told me to deal with the bank because the bank had told them that the money was sent to the reciepnt. The recipient has proof that the money had not been deposited to neither his old nor new account as we asked for proof. No one is able to help me as they tell me to contact each one of them and neither companies has a response. 

Money gram reference code XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I wrote a letter to all three credit bureaus informing each of them that the information on my credit report related to Account XXXX is not accurate and their reporting was erroneous and harming my credit file. They have failed to respond to my request or provide any documentation confirming that they have truly validated/verified this information within the allotted 30 days and as of today the information for this account is still incorrect. 

I am not able to determine if this is my account due to the inconsistent, incomplete, and inaccurate information : 1 ) Name : XXXXXXXX XXXX XXXX XXXX Account : XXXX High Balance : $ XXXX {$13000.00} Date of Last Activity : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Date Opened : XX/XX/XXXX, XX/XX/XXXX Dispute Status : This account has been disputed with all bureaus, but not reporting Creditor Remarks : Inconsistent across all three bureaus Last Payment : XX/XX/XXXX, XX/XX/XXXX Past Due : {$15000.00}, can not report a past due balance on a charge-off The above entry is inaccurate because nearly every entry in this account record is inconsistently being reported with no proof of validation after numerous requests to ALL credit bureaus. Your blatantly improper procedures are highly damaging to my credit score. Please immediately delete this item.
Product: Debt collection

In XXXX of 2022 and XXXX 2022, Chrysler Financial used abusive tactics in violation of the FDCPA by specifically using and auto dialer and leaving automated computer voice messages after I specifically asked them to stop via the company portal in writing. They persisted and ignored me. I never signed any document giving them permission to use these methods, the message even says, this is a recording. I have sent a certified letter about this, they do not understand what they did wrong. I have the audio messages but do not think it is allowed file.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint against EXPERIAN for their failure to remove fraudulent accounts from my credit report as required by law.

I recently disputed several accounts on my credit report under the claim of identity theft, pursuant to 15 U.S.C. 1681c-2. I submitted a Police Report and an FTC identity theft report ( FTC Report Number : XXXX ) as evidence. The credit bureau acknowledged my dispute but has not complied with the requirements set forth by the Fair Credit Reporting Act ( FCRA ). 
Despite my initial request for the blocking of these fraudulent items, the following accounts remain on my credit report : XXXX XXXX XXXX XXXX ( Account # XXXX ) 15 U.S.C. 1681i ( 7 ) - Description of Investigation : Pursuant to the FCRA, credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. To date, I have not received this required information. 
15 U.S.C. 609 ( a ) ( 1 ) ( a ) - Verification Requirement : Per the FCRA, you are required by federal law to verify all accounts and public information through physical verification of the original signed consumer contract and/or judgment ( XXXX ). Without such verification, there is a risk that erroneous or fraudulent information could be included in credit reports. Given the lack of adequate verification, I request the removal of this unauthorized public record information. 

Accuracy Compliance : Additionally, under 15 U.S. Code 1681e ( b ), you are required to follow reasonable procedures to ensure maximum possible accuracy of the information in my credit report. If the information can not be verified, per 15 U.S. Code 1681i ( a ) ( 5 ), I request that you delete any unverifiable information.

Failure to Investigate Accurately ( 15 U.S. Code 1681i ) : After submitting a dispute regarding inaccuracies on my credit report, I did not receive a thorough investigation within the mandated 30-day timeframe. The results of the investigation did not adequately address my concerns. 

According to 15 U.S.C. 1681c-2, credit reporting agencies are required to block disputed information identified as resulting from identity theft within four business days of receiving a valid identity theft report. Additionally, under 15 U.S.C. 609 ( a ) ( 2 ) and 1681i ( 7 ), any unverifiable or inaccurate information must be removed from my credit report.

Inadequate Compliance Procedures ( 15 U.S. Code 1681e ( b ) ) : The bureau has not demonstrated that it has implemented reasonable procedures to ensure the accuracy and completeness of the information provided on my report. I am requesting detailed information on the procedures used during the investigation. 
I demand that the CFPB investigate this matter and take appropriate action to ensure that these fraudulent accounts are deleted from my credit report. I expect a prompt resolution to this issue and would appreciate any guidance you can provide regarding my rights in this matter. 
Thank you for your attention to this urgent issue. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i did not authorize any of these hard inquires so i would like these to be investigated asap and removed please. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I send an online international wire transfer of {$5000.00} usd. The next day, XX/XX/XXXX, the recipients bank informed me that the money has arrived but can not be released to the recipient because the account number is incorrect ( 1 digit was incorrect ). I then called Wells Fargo to open a case and have the account number amended to the correct one. I was informed that the time frame for international wire transfer resolution is 5 business days. Due to holidays and weekends, XX/XX/XXXX should be the fifth business day. It is XX/XX/XXXX today and I have yet to have my case resolved or have anyone from their wire department reach out to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # XXXXXXXX XXXX Account # 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 an account without my written instructions
Product: Money transfer, virtual currency, or money service

I was selling a dress on facebook market on Monday XX/XX/XXXX to a person named XXXX XXXX and the person who bought my dress asked for my name and phone number under my account to zelle me the money and i provided them my email but then i got emails from a fake zelle email saying to follow procedures to receive the money and the first one was to send the tracking number of the package for verification.I did that.Then the next said to send {$600.00} for verification but will be refunded back to me and another email said that the person sent an extra {$600.00} to me so i had to refund it back and thats what and the last email said to zelle {$770.00} to finally receive the money fully to verify and the total of {$1900.00} will be refunded back to me. I then realized that the zelle email was fake and the person hasnt been answering me ever since. I ended up giving away what i was selling for free and lost {$1900.00}.
Product: Debt collection

I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : XXXX XXXX XXXX XXXX This account is not mine Please remove this inaccurate information from my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXX I dont recognize this lender and account.XXXXPlease remove this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX  I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter.