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

On XX/XX/21 an unauthorized wire transfer in the amount of {$29000.00} was deducted from my Citibank checking account. On that day my cell phone went dead for XXXX, during this time, the account was hacked. I XXXX learned of the unauthorized wire when I went to XXXX to see whats the issue with my phone, they informed me that my sim card is defective. When I replaced the sim card and rebooted my phone, the security alerts came in from my gmail account stating it was compromised, and at this time I also received an email stating that {$29000.00} has been released from my citibank account. I immediately called the fraud department, informing them of the fraud and that I did not authorize nor initiate any type of wire transfer. I explained to them that I might have clicked on a citibank text that took me directed to my citiapp, and they informed me that this could possibly be a scam. Where is the protection for the consumer, I clicked on a citibank link that took me to my citiapp, how would the consumer know. When I was in the app, I simply logged in, nothing else. The bank denied my claim, and said they will not credit back the {$29000.00}. I am a XXXX XXXX XXXX of XXXX, and a citibank XXXX for the past XXXX, I expect to be treated as a productive citizen. Please assist.
Product: Student loan

On XXXX XXXX  2018, I called Navient Student Loan Company about receiving the XXXX  form for interest paid on a student loan. I am the cosigner paying on the loan because this was messing up my credit score. Navient will not send the XXXX form to me to report on my income taxes. Instead they are sending it to the main signer. This is a violation of consumer and tax law. Many cosigners who are paying on student loans will be dealing with the same problem. Please do something about this.

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

About 9 years ago we contacted all three credit agencies with a dispute about a charge off from XXXX XXXX XXXX. We just found out XXXX of 2019 that the charge off was still on experian, not the others. Our bank was showing a credit score of XXXX and experian was showing a XXXX. Nine years ago we sent all three reporting agencies a copy of a letter and a substantial check, apologizing for the mishandling of our account. Yesterday we sent experian the copy of two more checks from a class action suit against XXXX  XXXX XXXX.US District Ct. XXXX District of NC. We filed a dispute with experian and added the copies of the new checks with a letter. Experian sent an email today saying to check the status of the complain. I was unable to sign in and tried several times. The options do not cover disputes. Upon signing in with new PW, I was prompted TO BUY their services. I never got to the dispute.
Product: Student loan

I have federal loans that are accruing interest. I was transfered from great lakes to nelnet in XXXX. My payment date amount and date has not been updated yet for what I am supposed to pay in XXXX. It still has a payment of {$0.00} and due date of next year. I hear of people getting through on the phone after 3 hours but I can not sit on the phone that long due to work. I have emailed them with no response. Also their website crashes constantly.
Product: Debt collection

This debt is related to identity theft. The documentation that Resurgents/LVNV Funding provided indicates the loan approval conditions required they be part of the military. I have never been in the military nor have any affiliations. Resurgents/LVNV Funding should follow up with the original creditor, XXXX XXXX XXXX to obtain additional information related to how and what they used to validate identity and military status. If they complete further investigation they will see this is clearly related to identity theft and this debt does not belong to me. This debt must be cleared and stop reporting on my credit report.
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX. XXXX XXXXXXXX Account # : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 or other personal consumer reports

Subject : Complaint Regarding Mishandling of Credit Card Payment - Reference : XXXX XX/XX/year>XXXX XXXX XXXX  Customer Service Department XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to file a formal complaint under the provisions of the Consumer Financial Protection Act ( CFPA ), specifically under 15 USC 1666b, regarding the mishandling of my credit card payment account with reference to Section 1637b. 

My name is XXXX XXXX, and I am an account holder with XXXX XXXX, with the account number XXXX. 

On XX/XX/XXXX, I made a payment towards my credit card account well within the designated billing cycle and in accordance with the terms outlined in Section 1637b of the CFPA. However, despite the clear provisions of the law stipulating that creditors must not treat a payment as late unless certain conditions are met, I have noticed discrepancies in the handling of my payment by XXXX XXXX. 

It has come to my attention that XXXX XXXX has inaccurately processed my payment, marking it as late and subsequently applying late fees and penalties to my account. This action is in direct violation of the CFPA, which clearly mandates that creditors must adhere to the timelines and procedures outlined in Section 1637b before considering a payment late. 

According to the law, creditors such as XXXX XXXX are required to provide consumers with clear and timely information regarding payment due dates, as well as any changes or updates to these dates. Furthermore, creditors must allow a minimum of 21 days from the date of sending such information before treating a payment as late. 

In light of these violations, I demand that XXXX XXXX rectify the erroneous late fees and penalties applied to my account and take immediate steps to ensure compliance with the provisions of the CFPA moving forward. Additionally, I request a thorough investigation into this matter to prevent similar occurrences in the future and to provide me with a detailed explanation of the steps taken to address this issue. 

Failure to address this matter promptly and adequately will leave me with no choice but to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action as necessary to protect my rights as a consumer. 

I trust that XXXX XXXX will take the necessary steps to resolve this matter expediently and restore confidence in its adherence to consumer protection laws. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Money was taken out of my account without funds being available I was always being charged for overdrafts fees numerous times Navy Federal Account Checking # XXXX Savings # XXXX Routing # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Per FTC sec 609 credit agencies are not validating credit account, they are simply verifying my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX are incorrectly reporting me as an authorized user on the XXXX XXXX partial account number XXXX. I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hyuandi Motor Finance is reporting inccorect information cncerning my auto loan account. They have change my status on the account several times once being contacted concerning the mistakes reported on my   XXXX   XXXX   XXXX   XXXX   credit porfiles. Each profile is stating different information and I have documentation to prove that the information is incorrect. I have placed several disputes against this company and they will make the corrections for about seven days and then automatic report the incorrect information agin.
Product: Credit reporting, credit repair services, or other personal consumer reports

since XX/XX/2021 I have been trying to get XXXX to provide answers to my dispute. All I get is accounts are updated. what does this means? I have no knowledge of these accounts. I have no record of these accounts ; therefore, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. I am requesting full validation for the following account names as it appears on my XXXX credit report : I wish to see the documents showing the company rights to collect under the Fair Credit and Billing Act. Additionally, I wish to see the original sources of the information reported including, but not limited to, the original contract or agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. accounts being dispute Collection is XXXX XXXX XXXX Opened XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are names and addresses reporting that dont belong to me. 
there are closed accounts reporting after 7 years. 
there are inquires that report that I dont know about. 
there are accounts reporting differently between the reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/, I sent Experian proof of a document with a dispute. Experian is reporting I have 2 late payments on a Auto Loan with XXXX XXXX XXXX XXXX. According to FCRA Section 623, Experian is in violation ( if they refuse to correct information after  being provided proof of inaccuracy ). They sent me a letter XX/XX/ saying it was verified. But how is that? These so called late payments are a auto loan with XXXX XXXX that was a total loss and the insurance paid over 95 % of the loan in the same months they are reporting late. This has caused me financial injury. Injury to my credit report and credit score. Defamation on my character, etc.. I also noticed them reporting a late  payment ( 30 days late ) on a account ( XXXX XXXX or XXXX XXXX ) that I know I called the creditor and arranged an agreement to postpone payment after a natural disaster ( Hurricane Harvey ).  Experian has failed to do it's part to maintain accurate information on my credit report or do a proper investigation on my disputes
Product: Credit reporting or other personal consumer reports

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a XXXX  document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX  XXXX {$91.00} XXXX  XXXX {$3900.00}
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX JPMCB CARD XXXX XXXX XXXX XXXX, DE XXXX XX/XX/year> Re : Account number : XXXX I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with your company name for many years. 
During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, 2 years ago, I was in a financial dilemma due to job loss and multiple health issues. As a result some of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on three occasions over a nine-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those XXXX late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 
This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit bureaus to remove those entries. 
The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. 
Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already notified the credit bureaus of this account being a result of identity theft. It has been over 60 days and an investigation hasnt been started. This a violation and as a result this account should be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

not mine : fcra XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section XXXX ( a ) ( XXXX ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within XXXX  days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Product: Vehicle loan or lease

I voluntarily returned the vehicle to credit Acceptance, yet it has been reported as a repossession. Additionally, I have discovered that after the vehicle was sold, the account was re-listed on my credit report with a higher balance than was previously reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed against my XXXX account 3 times and every time I have furnished papers stating I paid the amount in full. I am still getting paid less than balance. I want the entire account information deleted.
Product: Checking or savings account

On XX/XX/year> a deposit was made for {$20000.00}. For whatever reason HSBC deemed it fraudulent they closed my account and claimed the money would be returned within 90 days. In XXXX they demanded XXXX XXXX, which the monies were originally came from, to send them a release of liability letter. Which they did. During this time I repeatedly called HSBC to get an update or response only to get a systematic reply which never amounted to any answers. 
In XXXX XXXX XXXX resubmitted a release of liability to HSBC and we still have not received a reply. 
We have tried connecting with XXXX XXXX, XXXX XXXX, and XXXX XXXX. None of who has contacted us. We were told that they would contact me within 24 hours without any results. They are ignoring me
Product: Credit reporting or other personal consumer reports

PNC auto finance is reporting my car loan 30 days past due when my payment was made on time. After speaking with the customer service department it has been identified that their app doesn't reflect what their online statements reflect. For the past 3 months I have been paying the amount owed as shown on the telephone app. In the month of XX/XX/2024 my car payment was reported last due to their app showing a payment of {$550.00} was due I made a payment of {$560.00} thinking my account was paid as agreed. I spoke with an agent who advised that I must pay the loan agreement amount of {$560.00} opposed to what their system shows on their phone app. This information is misleading and confusing as a customer. I thought that I was paying what was owed due to what their system reflects just to find out that I can't trust the amount noted on the app. I also was never called as they had the incorrect number listed for myself and my husband, however in the app my phone information is listed correctly as when I need to verify my account they text me on the correct number to allow access to my account. I am also not receiving the hardcopy statements hence as to why I go strictly off of what the app reflects. I have paid the lesser amount as shown on my account in XX/XX/2024, XX/XX/2024 as based off what the app payment amount due reflected and was not penalized for paying less than the {$560.00}. As per XXXX from PNC call center she advised that the {$560.00} or more must be paid regardless to what the payment amount shows on the statements or app, which is very conflicting to me as a customer. I paid {$540.00} in XXXX {$550.00} in XXXX and {$560.00} in XXXX. Any payment system offered by PNC should always mirror and reflect what my statements show and reflect {$560.00} is due every month, however PNC system fluctuates every month something different.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these items. It would mean a lot to me if you could assist in removing the following from my credit report. these are the items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX transferred loan to XXXX. XXXX split loan into 2 separate loans. 
XXXX is reporting negative late payment from 2018 inaccurately. XXXX not only created 2 separate accounts from one account from XXXX XXXX but are also incompletely and inaccurately reporting negative information. The time that XXXX is reporting Negative, XXXX XXXX is reporting positive. The account was transferred to XXXX. DELETE XXXX ACCOUNTS ON ALL 3 CREDIT BUREAU REPORTS AS THEY SHOULD NOT HAVE CREATED 2 LOAN ACCOUNTS FROM 1 TRANSFERRED ACCOUNT AND SHOULD NOT BE REPORTING ANY NEGATIVE INFORMATION. SEND REPORTS WITHIN 30 DAYS SHOWING ITEMS COMPLETELY REMOVED FROM CREDIT REPORTS.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$800.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance Owed : {$440.00} ; XXXX XX/XX/2023.
Product: Student loan

The only reason that Im reaching out the CFPB is because I was taken off a repayment plan unilaterally without my knowledge and then illegally penalized by having to jump though more hoops and being reported negatively on my credit report. This applies to myself and the co-signer, which in this instance is my ill mother whom Navient knows. 

As a result of a lot of hard work and negotiation with Navient. I was approved to have a certain payment and contractual terms for the duration of my loans. Navient removed me from these payments based on subjective measures that were not at any time part of the agreed terms and refused to place me back on the the automatic repayment plan that I was on. Its not if I made my payments on time since my payments were in auto debit, but why Navient took me off of this contract and refuses to fix it, fairly. 

I hope this makes sense and you can see whats happening. If not, I can most definitely speak to you in person and articulate this differently. 

The office of the advocate has mistreated me and not responded to me on getting any traction to fix this. 

XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX XXXX on XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these was charge off account on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with this account listed below, so please help me remove this charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THIS FRAUDULENT ITEM : XXXX XXXX XXXXXXXX XXXX. 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX  XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.