23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Last year, XX/XX/XXXX I deposited a cashiers check from XXXX XXXX  to my Navy Federal account for services rendered XXXX weeks later I get a notification from Navy Federal that XXXX XXXX  said that the cash check was fraud contact my client and XXXXXXXX XXXX XXXX XXXX  says they have no idea what were talking about. They never did that, go back-and-forth for months to both branches talking to different bridge managers talking to the security department here we are now and XX/XX/XXXX. The money is still on my account. Navy Federal closed the account. I still get statements and they are just holding onto the money.
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. 


Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or list of inquiries 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.
Product: Credit card or prepaid card

I got a pay off amount from Capitol One and paid my account off in full as they were charging huge % rates. I closed my account and they said there was a XXXX balance. I kept on checking to make sure that there was a XXXX balance as I have had this problem before where they don't actually close my account and continue to charge interest. Sure enough I got a call a month later that I owed XXXX cents and now owed {$84.00}. When I told them that I closed my account and correctly paid the full amount off they said I owed the {$84.00} in late fees from the XXXX cents that was owed, but could not find how the charges were done or what the XXXX cents was from interest or a service fee. Regardless of what or how I have been ripped off by Capitol One. This has taken place between XX/XX/2020 and XX/XX/2020. " What's in your wallet? '' Nothing because you took it all and are still trying to rip me off!
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TransUnion today and told them that I didnt recognize a inquirys on my report. They stated that they couldnt remove them. Ive sent them letters in the past. And Ive called them in the past.. they dont take us consumers seriously anymore.
Product: Credit reporting or other personal consumer reports

I was trying to apply for an apartment and was denied due to inquiries on my credit than I checked my credit report and I do not know anything of the inquiries that's on my report which is why I'm trying to file a fraud report or identity theft today
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX AND XXXX  HAS YET TO REMOVE ACCOUNTS THAT DOES NOT BELONG TO ME OR MAILOUT ANY PAPERWORK SHOWING THAT A DISPUTE HAS BEEN DONE
Product: Credit reporting or other personal consumer reports

Under the regulations set forth in 15 USC 1666b, late payments linked to accounts identified as XXXX and XXXX must be removed from my credit report. Furthermore, pursuant to 15 USC 1692g and in accordance with the updated Fair Debt Reporting Act ( FDRA ) guidelines, the account referenced as XXXX is to be expunged from the report. Additionally, in accordance with 15 USC 1681c-2, all inquiries are mandated to be removed from my credit report. Moreover, as per 15 USC 1681B and in adherence to section 604, all charge-offs must also be expunged from the report.
Product: Credit reporting or other personal consumer reports

XXXX has put improper reporting on my credit report and I need for it to be removed. 
I have reach out to XXXX to resolve my issue. The report number regarding my case is XXXX. 

I believe XXXX has violated my right base on these Codes : 15 USC 1666b ; 15 USC 1681a ( 2 ) ( I ) ; and 15 USC 6802.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S. Code 1681b-Permissible purposes of consumer reports. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. I, XXXX XXXX, never gave Equifax any written consent to report anything on my credit report. No consent is IDENTITY THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account multiple times, and this company continuously states it is reporting accurately. In XXXX response to CFPB complaint ( XXXX ) the company clearly states XXXX purchased the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. ( XXXX XXXX ) MasterCard credit card account ending in XXXX from XXXX XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/2018. The letter dated provided clearly states your credit card account with a balance of {$690.00} was acquired by Portfolio Recovery Associates , LLC on or about XX/XX/2018. This letter was dated XX/XX/2018!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am undoubtedly a victim of Transunion 's " victim issue '' and have made an attempt directly via phone to have this corrected but was met with a customer service representative who refused to identify herself for reporting purposes and essentially denied consideration of deleting such fraudulent inquiries : XXXX/XXXX Date Filed XX/XX/XXXX Type Credit card and travel / entertainment companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX/XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX/XXXX XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX  ) XXXX Address XXXX XXXX XXXX XXXX/XXXX   Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX/XXXX Date Filed XX/XX/XXXX Type Credit card and travel / entertainment companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX/XXXX Date Filed XX/XX/XXXX Type Oil companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX   Date Filed XX/XX/XXXX Type Credit card and travel / entertainment companies Phone Number ( XXXX  ) XXXX Address C/O XXXX XXXX XXXX XXXX/XXXX Date Filed XX/XX/XXXX Type Oil companies Phone Number ( XXXX  ) XXXX Address XXXX XXXX XXXX XXXX/XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX/XXXX XXXX   Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX  ) XXXX   Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX/XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX  ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Miscellaneous and public record Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX/XXXX Date Filed XX/XX/XXXX Type Credit card and travel / entertainment companies Phone Number ( XXXX  ) XXXX   Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX.XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX  ) XXXX Address XXXX XXXX XXXX XXXX   XXXX.

Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX  ) XXXX Address XXXX XXXX XXXX XXXX XXXX/XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX
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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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.
Product: Credit reporting, credit repair services, 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. I have placed multiple disputes and complaints, and police reports with these companies, but these companies continue to show neglect by refusing to remove the accounts. These companies are continuously unreasonably halting commerce and have damaged my relationship with other creditors and have hindered my ability to obtain certain licenses with the state. This is a recurring problem that needs to be rectified. 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 PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items. If the accounts are not removed a federal charge will be filled against the following companies " TRANSUNION ", " XXXX XXXX ", " XXXX XXXX XXXX. This charge may lead to a lawsuit. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX Room XXXX Washington XXXX DC XXXX https : //www.justice.gov/atr/citizen-complaint-center
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX MO XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

I am writing to follow up on our ongoing efforts to correct the late open accounts on my record. Despite our previous attempts, I regret to inform you that these issues still persist. As we enter this attempt to address this matter, it is crucial to emphasize the urgency and importance of rectifying these discrepancies promptly. The presence of late open accounts not only affects my credit score but also raises concerns about the accuracy and integrity of my credit information.

I kindly request that you prioritize the investigation and resolution of these discrepancies, ensuring that all necessary steps are taken to correct them in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these discrepancies corrected on my credit report. XXXX XXXX XXXX Balance : {$550.00} ; XXXX  XXXX XXXX Balance : {$37.00} ; XXXX  XXXX XXXX Balance : {$700.00}.
Product: Student loan

Hi Good Afternoon, I have submitted multiple complaints on this servicer. I am XXXX, I am on XXXX and can not work at this time or in the future. The servicer has not been helpful and has not shown any willingness to work with me unless I file a complaint. 

The reason for this complaint is that I received a letter that they are increasing my interest rate from the agreed upon 2 % to 10 % with no specific reason. My credit score is good, usually XXXX so my credit rating would not be a reason for the interest increase. I am unable to get any straight forward answers from the servicer so I am submitting a complaint to find out how they can increase my interest rate 8 percentage points with no reasoning. 

My federal loans have been forgiven due to my XXXX discharge. At this time I am XXXX XXXX XXXX XXXX XXXX XXXX and need help just to type this letter. This servicer has been using predatory loan practices such as this new one for quite some time and it is not that I don't want to pay my responsibilities it is that on XXXX I have a fixed income and I am paying the student loans so that they don't ruin my credit. They have in the past. 

I can not afford to pay any more, I have no money left over with my mortgage and bills. 

Servicers : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX Thanks you for your help, XXXX XXXX ( XXXX XXXX XXXX XXXX
Product: Credit card

We booked a moving company " XXXX XXXX '' - prior to the move date my wife fell ill ( documented by medical visits/doctors ) We attempted to seek a resolution with this company but were instead berated, threatened and then forcibly disregarded, as the " CEO '' XXXX XXXX would not work out a resolution but instead cancelled our move, and is attempting to keep {$790.00} for services not rendered. This is simple extortion and should not be allowed. This person keeps providing false claims and excuses to my credit card company and they are rebilling my account. There are numerous low/bad reviews on XXXX, XXXX & XXXX against this company that indicate XXXX XXXX does this quite often. He should be investigated. 

I have been dealing with this nightmare for 2 months now and I just wish it would be resolved already.
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 delayed posting of charges and credits to my account. This issue aligns with the CFPB recent findings against Navy Federal for similar practices, where transactions settled with insufficient balances, even though initially available funds. I believe these practices are unfair and I request an investigation into my account transactions.
Product: Money transfer, virtual currency, or money service

I would like to bring your attention to a serious issue I have with Western Union wires that first took place on the XXXX of XX/XX/2020 to a FRAUD SCAM Broker : XXXX XXXX XXXX. 

I have been victimized by a multilayered scam operation orchestrated by XXXX XXXX XXXX - the XXXX. 

The funds were transferred utilizing Western Unions services in the total amount of XXXX EUR! I would also like to point out that on the XXXX of XX/XX/2020 - I filed a dispute with Western Union. 

My money was not in use for any actions ; it was simply transferred to the owners wallet account. Since I did not purchase anything and I did not invest in anything, my money was not in use for anything, and it was simply pocketed by the beneficiary account holders. 

With the worsening situation of the COVID-19 in XXXX, I am very worried, as these scammers have affected my well-being and my hard-earned money. I have financial hardship and I am finding it difficult to meet my obligations. I need to get back all the money that XXXX XXXX   XXXX has taken from me. 

These types of scam operations are ruining people 's lives. Nobody has acknowledged me as a victim. All my savings were stolen, depleted due to the Western Unions unlawful conduct. Western Union has not acknowledged me as a victim. It seems like the bank and the scammer think that what happened to me was OK and I should take all the responsibility for being scammed. 

All I wanted was to be able to afford to put a deposit down on a home for my family. I was vulnerable, alone, and had never made an investment in my life until I was defrauded.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX accounts reported late for over 2 years dating back to XXXX and XXXX of 2020. These were reported XXXX  times each on XXXX loans for a total of XXXX late payments dropping my score more then XXXX points. Grievously effecting my credit report when this information is in fact false. There will be a payment receipt attached this was given to me directly from the lender to have this problem corrected. 

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

Got approved for a Citi Strata Premier card on XX/XX/year>. Met all criterias listed on terms and conditions : XXXX spend in 90 days *not have had or received a bonus for strata premier or premier card in the last 48 months *not have had to converted another card to strata premier in the last 48 months Citi now claims that the terms are different - that one should not have received any bonus for any card. Even today the terms and conditions on the Citi Strata Premiers website doesnt say so.

Have been in talks with Citi Customer Support, was asked to send email to XXXX. Have sent multiple emails, no response. 

Refer : https : //www.citi.com/credit-cards/citi-strata-premier-credit-card
Product: Credit reporting, credit repair services, or other personal consumer reports

When I examined my credit report from the three major credit agencies, I was surprised to discover multiple errors. Despite my multiple attempts to resolve the matter with the original creditors and credit bureaus, they continue to provide inaccurate and unverifiable information. In addition, I did not agree to allow the disclosure of my private information. Information reporting affecting me as a consumer is NOT fair and equitable.According to 15 USC 1681, paragraph 602 I have a right to privacy, according to A.
Product: Payday loan, title loan, or personal loan

I have been contacted several times by a company that claims I owe them money from XXXX. They said they have sent numerous letters to my current address which is fakes and also lied about a job I was working at that time. I have tried to have my lawyer contact them we're all times and they don't respond to her. 

The only information they gave me was it was charged off in XXXX and the loan amount was {$500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My checking accounts were closed without giving me justifiable cause and they don't want to open personal checking accounts for me and they also don't want to open business accounts for me and I have an employer identification number ( EIN ) that the IRS assigned to me, preventing me from starting to operate with my business which contributes or is a cause of recession, if I can not have a checking account they are preventing me from meeting my financial obligations and paying my debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXXXXXX XXXX  to ask if the could remove the late payment from my account and they stated there was nothing they could do that I needed to speak with the credit reporting agencies. I mentioned to them that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and they should not have shared that information as the company is a third party and no-one notified me of this action taking place. This call occurred on XX/XX/2022 at approx. XXXX.
Product: Payday loan

Hi I took out a payday loan ( Castle Payday ) back in XXXX of 2013 for {$400.00} in which i would pay {$540.00} back, I originally missed the first payment due XXXX/XXXX/2013, I made my first payment XXXX/XXXX/2013 and after which XXXX XXXX up until XXXX/XXXX/2013 in total i paid {$560.00}. Now 2years later I 'm receiving calls saying I never paid and charges are being filed against me.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I have filed a dispute through the FTC for Equifax lack of making sure my consumer report was accurate. I have not gotten any update on this fraudulent account or has it been removed from my report. 

SEE ATTACHMENTS