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

I, XXXX XXXX am a natural person, consumer in commerce and I am writing this complaint to address several issues that I've encountered with NAVY FEDERAL CREDIT UNION. I have been misled by NAVY FEDERAL CREDIT UNION AND Agents thereof to think that I have received benefit for the XXXX XXXX XXXX XXXX ending in XXXX and the Business XXXX  ending in XXXX. NAVY FEDERAL CREDIT UNION has failed to disclose the following : I have the right to opt out of disclosure of my nonpublic personal information being disclosed to non affiliated third parties, I extended value to the instrument with no consideration, NAVY FEDERAL CREDIT UNION received consideration and unjust enrichment from my open end consumer credit plan as defined in 15 US Code 1602 ( j ). NAVY FEDERAL CREDIT UNION has shared adverse information on my consumer report that has harmed my financial reputation, disclosed false and misleading information concerning the private consumer credit transactions, NAVY FEDERAL CREDIT UNION has continued to take adverse action against me even after I've sent notices to remove all adverse items from my consumer reports. Had I received full disclosure, I would have not entered into any agreement with NAVY FEDERAL CREDIT UNION. I did NOT knowingly and willingly agree to an unconscionable agreement. NAVY FEDERAL CREDIT UNION has conspired and restrained trade and commerce which is ILLEGAL. NAVY FEDERAL CREDIT UNION has closed and charged off both of my credit cards which is discrimination and an adverse action. NAVY FEDERAL CREDIT UNION has sent deceptive billing statements requesting payments knowing that one can not pay on a credit balance. NAVY FEDERAL CREDIT UNION has used unfair and deceptive trade practices and I am demanding removal of all adverse items on my credit file immediately.
Product: Credit card or prepaid card

On or about XX/XX/2021 I attempted to make a purchase using my Express Card managed by Comenity Bank. The transaction was declined. I contacted Comenity Bank through their website, stating that the card appears to have been closed and asking them to reactivate the card. Comenity 's Customer Service responded on XX/XX/2021 stating they closed the account for inactivity and that they could not re-open the card, but invited me to reapply for a new card.

I do not wish to set up a new, separate account since this would create multiple tradelines on my credit bureau report, and affect the age of the account ( and thus my credit score ). Comenity 's action impacts my credit report and I seek relief under the FCRA.
Product: Debt collection

ENHANCED RECOVERY COMPANY & XXXX I tried to dispute this with the company but they are making up things saying that i owned some equipment which i did not return. I am currently a customer of XXXX and I successfully closed my earlier account with them. Despite that, and being a loyal customers for years, these false debt collecting strategies are hurting my Credit score.
Product: Vehicle loan or lease

I was in a no fault total loss accident on XX/XX/. I filed a claim on the at fault parties insurance. I had GAP coverage and something like an extended warranty. After receiving the settlement from XXXX the GAP coverage was sent by XXXX to Bridgecrest on the XXXX. After the received all of the coverages and the settlement on the XXXX I was told the account would be closed on the XXXX of XXXX. On the XXXX they reversed the settlement from XXXX in the amount of XXXX instead of closing the account out they have said theyre back dating everything or something but during that same time although they have more money then the loan was worth ( principal ) the are charging me late fees and reporting this to the credit bureau XXXX They have not shown any transparency and I have no idea what kinda stuff they going to pull next. The account should be closed and I should have a check by then sent to me for the amount in excess. How long will this go on I cant get another loan until they close this one. So they have complicated a already complicated situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert that XXXX XXXX pulled my credit report without my consent on XX/XX/2020. I am Currently in dispute with them and requested a validation of contract and payment history and have yet to receive it but they pulled my credit? I have not applied for anything with them so Therefore they illegally accessed my credit report without consent in addition to them providing inaccurate information of my transunion report! They are reporting duplicate accounts on my report which majority show in good standing accept 1. I do not owe them and everything is paid in full which the screenshots show of my credit report. Same account numbers, same amount all show no balance! The dates of last activity are inconsistent and not aligned with their argument that I owe. Please look In detail at the information. This credit union is doing some Actions not in alignment with the FCRA and this must cease. They are predatory and retaliatory and its messing with my credit rating.
Product: Checking or savings account

Complaint against Citizens Bank On XX/XX/year>, at approximately XXXX XXXX  CT, I discovered that my account with Citizens Bank had been frozen for an " account review. '' This action was taken without prior notice or explanation, leaving me unable to access over {$56000.00} in my account. As a customer of over three years, I regularly maintain an account balance close to {$100000.00}, making this account freeze particularly unexpected and unjustified. 

I immediately contacted Citizens Bank 's customer service to inquire about the freeze and seek a resolution. Unfortunately, I was informed that there is no specific timeframe for when my account would be unfrozen. Additionally, I was not provided with any steps or information on how I could expedite this process or gain more details about the review. 

During my interaction with a supervisor named XXXX, I found her to be extremely unhelpful. She reiterated that there was nothing more that could be done and provided no additional assistance or clarification. This lack of support and transparency has left me in a difficult situation, especially considering that my rent is due imminently, and I am unable to access my funds to make the payment. 

I believe Citizens Bank is wrongfully holding my funds without valid justification or proper communication, causing undue stress and financial strain. I am seeking the CFPB 's assistance to investigate this matter and ensure that my account is promptly reviewed and unfrozen. Additionally, I request that Citizens Bank be required to provide clear communication and justification for any future account freezes.

**Resolution Sought : ** 1. Immediate unfreezing of my account and access to my funds.


2. Clear explanation and justification for the account freeze.

3. Assurance that such actions will not occur in the future without proper notice and justification. 

Thank you for your assistance in resolving this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been disputing with XXXX, XXXX, TransUnion and other creditors since XX/XX/2023 and I have not been able to get them to comply with my disputes. I disputed my personal information, late payments, collections, derogatory marks and accounts that have been charged off. Which are all inaccurate, misleading and misreporting on my consumer report. This is also against my rights as a consumer. They never asked for my permission to report all these things in writing nor verbally. On XX/XX/2023 I found out my information was breeched! I am very upset, disappointed and I demand a remedy! I have spent numerous amounts of monies and time disputing these misleading, misreporting and inaccurate information on my consumer report. 

This is messing with my mode of living, my general reputation and my children 's future as well. THESE CORPORATIONS AND FINANCIAL INSTITUTIONS ARE IN CLEAR VIOLATION OF CONGRESS FEDERAL LAWS. I want any and all negative items ; Old/outdated addresses, late payments, collections and inquires, reporting on my XXXX consumer reported DELTED immediately. In addition, I am requesting a compensation amount of {$5000.00} because my information was breeched! If needed I will take legal actions necessary to heal the damages done to me by XXXX, XXXX, TransUnion and the other creditors ( XXXX XXXX ). 

I have also sent a copy of my consumer reports with every single inaccuracy, misleading and misreporting account highlighted in either pink or orange specifying every single error in my consumer report. 

IF NEEDED I WILL TAKE LEGAL ACTIONS NECESSARY TO HEAL THE DAMAGES DONE TO ME BY XXXX, XXXX, TRANSUNION AND OTHER CREDITORS ( FINANCIAL INSTITUTIONS ) FOR USING, SHARING, BUYING, SELLING, TRADING AND ALSO FOR FAILLING TO PROTECT MY NONPUBLIC PERSONAL INFORMATION ( 15 USC & 6801 ).
Product: Credit card

Provide proof of signed application of this account .. they want to collect money from me they have to provide all the information Im requesting in the attachment they can not provide they they can not report this on my credit report nor can they debt collect on it either Ive been a victim of identity theft and people impersonating me and signing up account everywhere and I want proof of signed application and how they where established or they can report it nor can they collect on it
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Sc XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, XXXX XXXX Dear CFPB Investigation Team, Re : Complaint Regarding Improper Investigation of Experience Credit Report Dispute I am writing to express my dissatisfaction with the investigation conducted by XXXX regarding the dispute I filed concerning my experience credit report. Despite my efforts to have the errors corrected, the investigation was inadequate, and the inaccuracies remain uncorrected. 

Unfortunately, the investigation conducted by XXXX failed to properly address my concerns. The response I received did not provide any meaningful resolution or explanation for the disputed items. Specifically, [ state the problems with the investigation, e.g., failure to consider evidence, incorrect information, lack of follow-up ]. 

I request that the CFPB investigate this matter further to ensure that XXXX complies with the Fair Credit Reporting Act ( FCRA ) and properly investigates consumer disputes. I would appreciate it if you could look into this matter urgently and take necessary actions to correct the errors on my experience credit report. I will also like for all incorrect item cleared off my report. 



Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. 

I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XXXX, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXXXXXXG website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 

Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 

I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 

Please send all correspondence related to this matter to the address listed above.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has been informed me that the account was reported in error and shall delete from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a XXXX back in XXXX, at first the relationship was going fine, business was doing well. The fees were absurd but it helped out at the time. After I was paid off 40 % I requested a new XXXX, the original still had a balance, the account manager assumed I wanted the new cash advance to pay off the original, this was never discussed with me, they just assumed, again absurd fees, so each deposit was significantly a lot less than what was approved. Between fees and the fixed percentage rate it was a lot that was deducted prior the depositing any funds. Fast forward a year, business has slowed down, they allowed reduced payments, however it still isn't enough, as I've been short on payroll a few times because of it. The company also requested login information to my bank before finalizing the funding. At this point I am only comfortable on a Biweekly plan, however they do not want to " compromise '' any further, other than the reduction I was offered.

1. The fees are absurd 2. The account manager requested my bank login ( not sure it's legal )
Product: Checking or savings account

Complaint against Wells Fargo Bank, N.A. <P/>On XX/XX/2017 Friday around XXXX XXXX. pacific time I entered the bank and deposited my paycheck. My employer also banks with Wells Fargo. The bank rep asked me the regular questions and she asked if I always get checks from my employer, I say yes and that they also bank with Wells Fargo and she said yes they do. The check was deposited and the check posted. <P/>Reviewing my bank account on XXXXXXXX I am in the negative and the check I deposited bounced due to insufficient funds? and I am getting charged with fees? How can a bank deposit and credit your account with a check from their own bank and claim it was good at the time of deposit and 2 days later say oh its not good anymore? This is what the bank rep told me when I called to ask what happened?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX said theyd make a one time exception for the missed payment due to the bank era with XXXX in switching over. It was completely out of my control. 

I am trying to purchase a house and because of this I wont be able to until XX/XX/2022 at earliest. Please help.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section XXXX states u have the right to privacy 15 USC 1681 section XXXX section XXXX it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCs 1666b a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose
Product: Checking or savings account

My fiancs car, license, and banking information were stolen on XX/XX/year>. I added her to my Capital One Checking account as a joint account holder after the incident. Someone then attempted to deposit XXXX mobile checks of {$300.00} and {$450.00} on XX/XX/year> into this joint account under her name so I directly reached out to Capital One in good faith letting them know these deposits were fraudulent and requested more information. I had a legitimate direct deposit on the same day from XXXX posted into the account under my name for the amount of {$3400.00} on XX/XX/year>. They proceeded to let us know the account was being closed - and since it was a joint account my current funds of {$3400.00} were not available for withdrawal while they began their investigation on XX/XX/year>. It's been nearly a month and my funds are still locked in the account, and they've told me to call back in 7-10 days. I called a week ago and there's still nothing happening. My money is locked away in this checking account and being withheld from me and I am unable to transfer or withdraw it.
Product: Checking or savings account

XX/XX/XXXX, {$1000.00}, withdrawal from my checking account, my bank is refusing to refund my money ... fraudulent company ( moving processing company ) i did not authorize this transaction with a scam company, my move date was XX/XX/XXXX, window time XXXX final destination XXXX XXXX, I have several numbers, several names an now the numbers are spam or do not work, I have filed many claims or complaints with the bank, police department, XXXX, Ftc, occ , also called that moving company back, another number another person not willing to cooperate with this situation.. all to be said I have lost everything I had, my belongings, my money... Please help me...
Product: Credit reporting, credit repair services, or other personal consumer reports

After completing payments back in XX/XX/XXXX with my XXXX XXXX XXXX  a company called the XXXX XXXX XXXX they refused to report my closed account. I called them many times to speak with a manager and still haven't heard back. Then I see a new report on my credit company from the auto warehouse which isn't the finance company I was paying. They also deleted all my on-time payments. I paid easy acceptance in full and then they add late payments under a different name. My payments were never late seeing that I had 2 payments per month. I've never had an auto wear house on my credit until XX/XX/XXXX. All payments were through the finance company 's easy acceptance. I talked to a lady named XXXX and after she stated that the auto wear house is the finance company. Then she tells me I was late in XXXX. But I closed my account in full in XXXX. The payment arrangements always kept me on time. They are doing some fraudulent reporting and trying to cover their tracts with false information.
Product: Credit card

I was signed up for a card security program on my credit card account that I did not authorize and my statement was sent electronically for months so I could not see the charges, dates or the payment due. When I called to get information and a copy of the statement I was informed the due date was changed and so I was being charged for late fees as well as the unauthorized card security program. I asked to speak to a supervisior to get all the information and see if some of the charges could be reversed and not only did she refuse to send me an itemized statement but she was offensive and at one point I was laughed at. This is XXXX abuse in my opion and I am done with Synchrony Bank.
Product: Money transfer, virtual currency, or money service

Someone named XXXX stole {$200.00} from my bank account via zelle. i dont know who that is. i didnt send him my money as i am a XXXX XXXX year old female and i NEED that money back. theres nothing i can do without it. I contacted XXXX XXXX and they hung up TWICE without an explanation of what they will do for me. They just said its a lengthy process then hung up without any further explanation nor did they call back. i am XXXX. life has already been XXXX enough to me this year. Please help me get my money back. I know its only {$200.00} but its all i have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently a copy of my consumer credit report and noticed and error In accordance with the Fair Credit Reporting act XXXX Account 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 XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in prior disputes with XXXX, XXXX, and Equifax. They are failing to respond to my request by investigating my request within a timely manner as outlined in the FCRA section 611 ( a ) ( 1 ) subsections A, B, and C. They have no reason to assume the request was not from me considering all the information required to validate and initiate a request was included. I expect them to investigate and complete their investigation procedures within 30 days of my initial retrieval of my request as according to the Fair Credit Reporting Act section 611 ( a ) Reinvestigations of Disputed Information ; which requires them to conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30-day period beginning on the date in which they received the notice of dispute from consumer. I expect to receive notice of any notice of determination within 30 business days after today as outlined in the FCRA section 611 ( 3 ) ( A ).
Product: Debt collection

A company by the name of Messerli and Kramer is sending me letters asking for payment on a debt I know I do not owe. They claim I owe XXXX XXXX. I had an account from XXXX XXXX back on 2006, which is currently reflected on my credit report as paid. If this is company is demanding payment for an account from 2006, they could be under violation of the FDCPA because the account is older that the statue of limitations in my state. I want this company to stop the harassment of their collection tactics, since they have not send me anything regarding the validation of this alleged debt. They are demanding payment from XXXX XXXX, but I am not XXXX XXXX, I am XXXX XXXX. All I get from this people is a letter demanding payment for this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX : {$330.00} XXXX XXXX XXXX XXXX XXXX {$0.00}