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

The information that is listed below is inaccurate and I did not authorize these items to be reported on my credit report. I've filed an identity theft report with these companies directly via phone as well as sent in handwritten letters to these companies in regard to this issue on my credit report. I also sent in the Identity theft reports filed with the FTC to the companies in regard to the following information. 


Date opened : XX/XX/XXXX XXXX Account : XXXX XXXX : {$270.00} Original Creditor XXXX XXXX XXXX XXXX Account number : XXXX XXXX Date opened : XX/XX/XXXX Original Creditor XXXX XXXX XXXX Balance : {$2000.00}
Product: Credit card

i opened dispute for a damage item that i received they asked me to return the item now i have returned the damage item back their not closing the case in my favor and issuing me the refund
Product: Money transfer, virtual currency, or money service

Unauthorized use and selling if personal information, money lost and not refunded with no help from a real person, no answers or help to questions or concerns, etc. I want restitution
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my 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 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 XXXXXX/XX/XXXX
Product: Checking or savings account

A claimed ( XXXX ) was filed with Capital One Bank for a fraudulent transaction on XX/XX/XXXX. I tried to have the scammer refund me back the funds, but he refuse too. I waited until XX/XX/XXXX after exhausting my options. Firstly, the Capital One Bank rep. was questioning why I waited almost a year to file the claim. I explained the situation to him, but his tone of questioning was very condescending. I attached all my correspondence with the persons who scammed me. 
On XX/XX/XXXX, I received an email from Capital One Bank ( see attachment ). I called the number on the claim denial letter, and no on was able to give me a reason, or the process in which the investigated my claim. 
A complaint was submitted with the CFPB ( XXXX ) on XX/XX/XXXX against XXXX XXXX XXXX regard the scam/fraud of my {$1000.00}. His accomplice is XXXX XXXX. Email XXXX. All the communication was sent to Capital one Bank claim center.
Product: Checking or savings account

On Saturday the XXXX of XXXX 2020, I made two cash deposits at Navy Federal Credit Union. The branch is located at XXXX XXXX XXXX XXXX XXXX, VA XXXX. The first transaction I successfully completed was at the branches " drive-up '' atm for {$2600.00}. After noticing that a line of cars were behind me, I made a decision that it would be kind of me to complete my next transaction with the left over funds at the " walk-up '' atm. When I walked up to the atm with cash in hand, I noticed TWO cameras that monitored me. After I deposited what I explained to NFCU 's fraud department to be around $ 450- {$600.00}, the atm completely shut down. I called NFCU and waited there, on camera, explaining the entire situation. Within about 36-48 hours, NFCU told me they had no record of the transaction, so I decided to dig a little bit deeper and gather some information. They admitted to me that during their first investigation, they failed to contact the victim, failed to check time stamped video evidence, and failed to check the correct atm. Now 4 days into the matter, I asked them to re open the case and complete a proper investigation. I am now on day 12 in total, spent a total of 8-10 hours of phone time dealing with this matter over the 12 days and completely have been mistreated as a consumer and as a non-conflicting customer of a financial institution. The country is already in a tough scenario with racism and not too mention a pandemic. I have lost trust in NFCU, as it currently stands, I was robbed blindly by a systematic and mechanical error, that is no fault to the consumer. I just want my money back that as their customer, should feel safe depositing to them.. I strongly believe that an audit of their investigation process should take place, as they clearly fail to gather, receive, and acknowledge most of any/all facts.
Product: Credit reporting, credit repair services, or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXXXXXX 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 information is inaccurate. They are in violation of 15 USC 1681 section 602A which states I have the right to privacy!! also in violation 15 U.S. Code 1681 i7 show steps how proof was obtain They are also in violation 15 USC 1681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without any written authorization!! 15 U.S. Code 1611- Criminal liability for willful and knowing violation
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had my credit profile pulled. Upon looking at this report I have noticed theres an account thats not mine and were never late. I sent a dispute letter in regards to EXPERIAN, XXXX and XXXX on XXXX and XXXX asking that it be removed. Please note response should have been provided by date XX/XX/2021. I have not received report and EXPERIAN, XXXX and XXXX are over the time frame required to submit a report to me. Please investigate and send me an updated report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian dropped my score by 31 points for no reason on XX/XX/XXXX. I have called several times and gone through their process twice and they still have not provide accurate information regarding my score. My ex husband moved to XXXX XXXX, Illinois and had several P O Box addresses. I never lived in XXXX XXXX, Illinois nor have I ever used a P O Box. This is one of the problems. They keep telling me that The XXXX XXXX XXXX XXXX keeps reporting the information as accurate. My ex filed bankruptcy back in XX/XX/XXXX. XXXX and the credit union was notified. Experian keeps caring the debt, along with his information on my credit report.
Product: Debt collection

Call date/time : XX/XX/XXXX, XXXX XXXX The caller ID shows " Cavalry ''. The phone number was XXXX ( call back number is the same with extension XXXX per voice mail ). 

A female voice ( name is XXXX XXXX ( sp.? ) stated she needed help locating " XXXX XXXX ( sp.? ) ''. There is no XXXX XXXX at this phone number or our home address ( my wife has lived here since XXXX ). We do not know any XXXX XXXX. 

We are also on the Federal Do Not Call Registry with this number. 

I am aware of at least one other call from this company, perhaps six months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

after carefully reviewing my credit report I have found discrepancies and inaccuracies that raise doubts about the validity of this debt I have reported the inaccuracies of this debt yet still the debt remains on my credit report, and neither have they provided me with the original contract requested.
Product: Student loan

A few years ago I co-signed for a student loan for my niece and this information is now showing on my credit report as the co-signor. I am attempting to purchase a home and I need a letter from the servicer saying that the loan is current or in deferment. I lost contact with my niece and can not get her to get a letter on my behalf and the lender is telling me that they can not assist me because I am not the borrower. I can not close on my Mortgage loan without this information and I need assistance in obtaining it. I have four student loans on my credit report totaling {$63000.00} all beginning with the account number XXXX and without the account number or my nieces SSN they won't provide me with any information. Please help or I will lose my home!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm distressed. Sent investigation on XX/XX/XXXX - XX/XX/XXXX to the Credit Bureaus. 
There's been little to no sign of investigation on any of the accounts questioned and no information has been sent from the bureaus or collection agencies. My credit report hasn't been updated to show accounts have been processed and disputed.

Accounts false and unknown. The companies have not reached out as well.

Moreover, the bureaus have been deleting accounts that weren't questioned and reporting open and positive. Why would the Credit Bureaus delete open accounts. There was a XXXX  removed from Experian and XXXX  and added back without my knowledge and it's my understanding I should've been notified ( Account Number : XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My current mortgage is with Mr. Cooper. I missed a payment in XXXX, and at the middle to end of XXXX requested a payment arrangement. The rep assigned to my account insisted on me going delinquent and she will work something out. When it was denied the beginning of XXXX she instructed me to go 60 days delinquent and THEN she could do a loan modification and then told me to call and ask for her and remind her of her plan and she would get me taken care of ( I have a witness ). In the midst of that I had personal things going on ( losing my dad ) and I told her about it and that I have XXXX kids and cant lost my house and she said dont worry shes got me.. after I was instructed that during underwriting to also NOT make payments, even though I said I could and wanted to. She still insisted on me not doing anything and shed handle it. Any rep since has said she was wrong, she shouldnt have done that and all that. I am now facing foreclosure, and absolutely can NOT find another lender that will lend to me BECAUSE were 6 months behind., my husband makes XXXX XXXXXXXX we have and had no problem making them payments but again was instructed otherwise. Mr cooper is full of crooks, and something needs to happen. Im not the only client theyve screwed over!! I would never recommend Mr Cooper to a soul, not even my worst XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a few inaccurate accounts on my credit report so I disputed them and they came back verified. I asked for a description of the investigation according to 15 USC 1681i ( 7 ) and they never did. According to 15 USC 1681s-2 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. This is very frustrating as they are violating my consumer rights. Also these charge off accounts are no longer debt owed IRS states a charge off account is a cancellation of debt and must be reported as ordinary income. I asked for 1099-c form and was not provided that
Product: Checking or savings account

I received a letter telling me I earned {$200.00} in interest on my checking account, This is not true at all, so I contacted the bank and they confirmed I did not earn any interest in 2022. This is Wells Fargo bank and I feel like I am not the only one to get this letter and they are trying to make me say I earned interest when I didnt. This letter I received is an official tax document.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX  CARD XXXX XXXX  XXXX XXXX XX/XX/2023 XXXX  XXXX XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX  XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XXXX  XX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX XXXX Account Name : XXXX
Product: Checking or savings account

I have been a customer at PNC Bank since around XXXX. I have a checking account, and also own a debit and credit card. Around XX/XX/XXXX, I lost my debit card and I called PNC to report a lost card. The agent who received my call noticed that I had been a customer at PNC a long time and offered to upgrade my checking account to " Performance Select '' because I had been a customer for PNC for a long time. I asked him if there were any fees associated with the account and he said no. I agreed to upgrading my account. 

On XX/XX/XXXX, I realized that PNC made {$25.00} service charges on my checking account for each statement in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

According to PNC, the minimum balance for the checking account with Performance Select was {$5000.00}, but they did not inform me that there was a minimum balance requirement for the account. Additionally, I did not receive any email, mail, or phone notifications that my account was under the minimum balance requirement or that PNC was making service charges on my account each month. 

I called PNC to resolve the issue, and they agreed to waive the service charges in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. However, they refuse to forgive the service charges in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Product: Debt collection

I am writing to formally dispute the charge-off on my CarMax Auto Finance account , referenced above, which shows a balance of {$13000.00} written off and {$13000.00} past due as of XX/XX/XXXX. 
Upon reviewing my credit report and account history, I believe there may be inaccuracies that need immediate attention. Please consider the following : Fair Credit Billing Act ( FCBA ) : As you are aware, the FCBA provides consumers with protection from billing errors on open-end credit accounts. I am requesting a thorough investigation to ensure that all charges on my account were accurate and in compliance with the law. If there are any discrepancies or errors, I request that they be corrected and the charge-off be removed from my credit report. 
Truth in Lending Act ( TILA ) : TILA requires lenders to provide clear and accurate information regarding the terms and conditions of the loan. I request verification that all disclosures were properly provided and that my account was managed in accordance with TILA requirements. Any violations should be rectified immediately, and the charge-off status should be reconsidered. 
Electronic Fund Transfer Act ( EFTA ) : If there were any electronic transactions associated with my account, I request verification that they were processed in compliance with EFTA. If any unauthorized transactions occurred, they should be reversed, and the charge-off should be removed from my account. 
Statute of Limitations in North Carolina : The statute of limitations for automotive debt in North Carolina is three years. As my account was charged off in XX/XX/XXXX, the debt may be time-barred as of XX/XX/XXXX. Please provide documentation proving the debt is still legally collectible. If you are unable to provide such proof, I request that you cease collection efforts and update the account status accordingly. 
In light of the above points, I kindly ask that you investigate this matter and provide me with written confirmation of the results of your investigation. If errors or discrepancies are found, I request that the charge-off be removed from my credit report and that you notify the credit bureaus of the correction. 
Please respond to this dispute within the legally required timeframe, as specified by the Fair Credit Reporting Act ( FCRA ). 
Thank you for your prompt attention to this matter. I look forward to your resolution of this issue. 
Sincerely, XXXX XXXX XXXX XXXX
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 of charges and credits. This issue aligns with the recent CFPD 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: Bank account or service

I have a complaint against Wells Fargo Bank. 

I gave XXXX my bank account number and routing number to withdraw money on a certain day. 

When that day came, I did not have money in my account. Wellsfargo charged me {$35.00} for not having money. XXXX tried to take money from my accoutn continuoisly every day. It has caused XXXX to XXXX times {$35.00}. When I called Wells Fargo, they refused to refund the whole fee. I earn $ XXXX as a XXXX. Paying {$140.00} out of my meager income in Wells fargo fees is over whelming. 

The bank is practicing lack of compassion and poor judgement in this punitive act. 

Please have Wells Fargo refund the {$140.00} to me. Thank you. 

XXXX
Product: Vehicle loan or lease

To whom it may concern My name is XXXX XXXX XXXX on XX/XX/2021 I visited XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, Al XXXX. I visited the dealership in a bind and crunch to purchase a vehicle. I test drove a couple of cars and eventually was informed that I was financed for a brand new XXXX  XXXX XXXX XXXX  XXXX ( XXXX : XXXX ). I was rushed into the finance office and given a speed summary of the contract and finance company. As I would later come to find out after the cars transmission went out less than two weeks later. I had just signed a contract with Exeter Finance LLC at XXXX XXXX XXXX XXXX, Tx XXXXThe contract details really begin to come into reality for me that I had just signed away my life and have entered into a nightmare. The APR ( Annual Percentage rate ) is 28 %. Which first violates the Alabama law and code of Title 8 ( Commercial Law and Consumer Protection ). The Finance charge of {$22000.00} exceeds the amount of my car which is {$20000.00} to equal a total payment of {$42000.00} and a total sale prince including a down payment ( {$2200.00} ) of {$45000.00}. The contract was financed for a number of XXXX payments at XXXX Monthly with a late charge of {$18.00} or 5 % plus daily interest. I have since made a total of XXXX payments on the contract totaling ( {$9500.00} ) with XXXX extensions due to hardships ; and I still owe the original amount borrowed of {$20000.00}. on top of that the transmission has gone out twice. This loan is a prime example of predatory lending from subprime auto lenders that take advantage of every day citizens. It also violates multiple laws of the Alabama code and takes light of Alabama lawmakers It currently violates. Title 8 Chapter 8 ( interest and usury ) Section 8-8-1, Section 8-1-2, Section 8-8-12, section 8-8-10, section 8-8-5, Section 5-19-3, section 5-19-4 and many more. Exeter is very aware of the unconscionable interest rate as they have just settle lawsuit 's with the Attorney General of Massachusetts for the very same thing. And recovered of {$27.00} XXXX dollars and got the loans canceled and wiped off of the the consumers credit for the state. I know that Alabama sits in the same position to do the same thing for the consumers of Alabama. To show subprime auto lenders that seeks to take advantage of the Alabama consumer that we won't stand for it. I am seeking relief from this unconscionable, high interest rate, and usury contract under the laws of the Title 8 in Alabama Commercial Law and Consumer Protection. I have also emailed the contract to go along with this complaint. I am seeking the aid to get relief for myself as well as anyone else affected by this illegal practice.