23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I was on XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The dates are XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. These XXXX XXXX orders were to XXXX XXXX XXXX, XXXX on the XXXX XXXX XXXX. I provided Navy Federal Credit Union and other credit card agencies complete endorsed copies of the orders. I requested Navy Federal Credit Union under the law, SCRA. All of my creditors ready reduce the credit card interest and associated charges while I was on orders. For 10 months Navy Federal Credit Union refused to answer my request. Stating it was reviewed. In regards to the other creditors, their response was in weeks. Navy Federal Credit Union has come back and stated they will not reduce the credit interest. If the interest and compounded charges as per SCRA would have been applied the balance would have been paid in full by now. Some of my colleagues that were XXXX with me asked Navy Federal Credit Union for the same thing as per SCRA and received credit card reductions. I find their practices and behavior unacceptable. Please FOIA all of the SCRA Requests done and note the amount of requests and the amount of approval granted by Navy Federal Credit Union along with the race that was approved and was not approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request to the XXXX Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the XXXX credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove those items which are frauds from my personal credit file : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; 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

XXXX HAS CONTIUALLY REPORTED A LINE OF CREDIT AS A CHARGE OFF EVEN THOUGH IT HAS BEEN DISCHARGED THROUGH A BANKRUPTCY, THIS IS THE 4TH TIME XXXX HAS DONE THIS.
Product: Mortgage

I never authorized a hard credit inquiry. The loan officer XXXX XXXX, li

ed about leaving a voi cemail for me. The supervisor never returned a call. The application online is very misleading. I never entered my SSN and stopped the application at the point it asked for credit pull authorization. The only way it could
have been pulled, would be that they got my SSN from a previous application. 

Huntington Bank XXXX ID # XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my ALLY - XXXX :. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting

I was approved as an XXXX in XX/XX/2016 which was cleared and I subsequently passed the background investigation. However in XX/XX/2016, XXXX informed me that it would be conducting another background check which I did not pass. I failed the background check because of a previous XXXX that I sustained. I immediately submitted certified proof issued by the court the the XXXX has been reclassified under a XXXX. Additionally, state law does not permit for this type of XXXX to be re-portable beyond seven years from the time of XXXX. Checkr also conducts background checks for XXXX, XXXX. I failed the background check with this company as well due to the information that is being reported erroneously.
Product: Credit reporting

On XXXX and XXXX my Transunion reports from XXXX XXXX showed no inquiries. 
This was a glich in TransUnions site, on XXXX they all reappeared, I was never informed the 5 days per FCRA section 611 by TransUnion, I called on XXXX and spoke to XXXX in the Special Handling Deparment, informed her of the information and asked for the inquiries to be deleted. She stated no. TransUnions glich was not in my control and now that they have broke the law and affecting my credit negatively they do not want to do what is right ( per law ) since they broke it. Please advise.
Product: Credit card or prepaid card

i am attempting to manage and restructure my debt and budgeting and capitalone is refusing third party access to my accounts that i am trying to grant. every other account of mine has provided access - i was directed to file this complaint by my third party planner to hopefully rectify the issue.
Product: Debt collection

As a ( natural person ) federally protected consumer, I XXXX XXXX never enter any consumer credit transaction with AMERICOLLECT INC for them to have my personal information or medical records. In fact AMERICOLLECT INC is violation of 15 usc 1692 for infringement upon my consumer 's right to privacy. While also in fact in violation of 42 usc 1320d-9 ( b ) ( 3 ) HIPAA Privacy. By AMERICOLLECT INC obtaining my personal information and medical records with out my consent AMERICOLLECT INC have committed fraud and identity thief. Now I can't do business with anybody else due to this allege debt AMERICOLLECT INC has furnished to my consumer 's reports.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX : {$220.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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 an alleged fraud or extortion. 
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 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, credit repair services, or other personal consumer reports

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial response was sent on XX/XX/2020 and 30 day letter to comply was sent on XX/XX/2020.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX - XXXX - XXXX - {$4500.00} XXXXXXXX XXXX XXXX XXXXXXXX - XXXX - {$7100.00} INQUIRIES : XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

XXXX XXXX of XXXX, CA mailed our company compliance posters on XX/XX/XXXX. These posters were not ordered or authorized by our company. We contacted XXXX XXXX and informed them of this fact. They stated that the items were authorized by our company president on XX/XX/XXXX. This is not a true statement. 

XXXX XXXX refused to pay for return shipment or to cancel the debt. They subsequently referred the matter to a collection agency, who contacted our company on XX/XX/XXXX. We responded with an email response to XXXX XXXX, but received no response. We were contacted again by the collection agency on XX/XX/XXXX. Our president called the agency ( Receivable Management Services, LLC ), and notified them we considered this instance of fraud on the part of XXXX XXXX and would be taking appropriate action.
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple and excessive overdraft fees i have been charged. Despite having sufficient funds when the transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against navy federal for similar issues, where transactions settled with insufficient balances despite initially avaliable funds. This is extremely unfair and I request an investigation into my account transactions.
Product: Mortgage

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

FREEDOM MORTGAGE is reporting late as reported in XXXX and XXXX. Lets delete this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Checking or savings account

I constantly have fees taken from my account for overdrafts without notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received my reinvestigation results back from Equifax re : XXXX XXXX Account # XXXX, and Equifax said that the account 's reporting was 100 % accurate and complete. This is not the case... not even close... which is why I just submitted complaint # XXXX requesting that the CFPB conduct a reinvestigation of these results. I would also like to receive a description of the reinvestigation that Equifax conducted under 15 USC 1681i ( 7 ).

The account mentioned previously is not reporting accurately. Hardly at all. In fact of all three of the major credit bureaus, Equifax has absolutely the largest amount of inaccurate and incomplete information reporting on this particular account AND the company I've spent the most time talking to about this on the phone AND as a result is damaging my credit score THE MOST. I'm not even kidding. This is the complete list of inaccuracies on just this one particular account : *Account Status *Date of Last Activity *Date of First Delinquency *Payment History ( The report literally says " No data returned '' - What?!?!? ) *Date Closed *Date of Last Payment *Delinquency First Reported ( How is it possible for an account opened XX/XX/XXXX to be delinquent on XX/XX/XXXX ... the next day?!?!? Really?!?!? ) These items are NOT 100 % accurate. In fact, since I have been in contact with this company since early XXXX, you can see that Equifax did not modify or delete the inaccurate/incomplete information on my consumer credit report according to 15 USC 1681i ( 5 ) ( A ) ( i ). I am attaching a portion of the credit report as evidence.

Considering how blazenly Equifax has damaged my credit score with this reporting, and given how much easily disproved inaccurate, incomplete and damaging information the company continues to publish about this account on my profile, I will also be filing this complaint with the Massachusetts Attorney General 's office and the Better Business Bureau.
Product: Checking or savings account

XX/XX/XXXX I called Capitol One to find out about their international incoming wire procedures and fees. I was told that they ( Capital One ) does the foreign exchange and can charge up to a {$14.00} fee for the service. I had over $ 648k AUD in XXXX to move to USD. I called my other bank as well to figure out the best plan as I had a choice to send it in AUD or USD. If I sent in USD, there would be an intermediary bank doing the fx which is normally lower rate plus their fee. Based on the information given by Capital One, I wired it to them in AUD. 

When my wire came in, it was much lower in fx than expected. I called Capital One again to be given wrong information and was told it was sent USD. Capital One told me that they would not accept foreign wire in on my account and I was given instructions based on another type of account and they would have rejected it. I called XXXX who confirmed it was sent AUD as I instructed. 

After numerous calls to Capital One they finally told me that they instructed the intermediary bank to do the FX, which is again a lower exchange and higher fee. I would have never used Capital One had they have given me correct information. I lost anywhere between $ 5- $ 12k on the exchange. 

Capital One said they listened to one of my phone calls and confirmed that the agent gave me information on their retail account and not based on my type of account ( 360 ). Ive sent numerous emails and have called and they stopped returning my calls or emails. Capital One had no authority to instruct the intermediary bank to do the foreign exchange and should have rejected the wire. Or they should have given me the correct information so that could have sent it to my other bank who would do the exchange themselves or I would have done the fx in XXXX via XXXX. 

They have not accepted any responsibility for their error and bad information which cost me a significant amount of money which also delayed closing on my house purchase because I was short $ XXXX.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX. I have been having an account issue with y'all getting my accounts deleted, and y'all support team isn't resolving it. My username is XXXX account XXXX address is XXXX, and my other account email is XXXX. Please delete that account, too. For that XXXX, I don't have the XXXX every time I try to delete it, and it says I have a pending dispute open, and I don't. My chat case number to review my issue is # XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX, Joined XXXX XXXX  located in XXXX, IN in 2010 and soon found out the the company could not live up the fake advertisement and promise of getting quality product in an timely matter. We cancel our membership with XXXX XXXX  and notify XXXX XXXX that we are no longer an member this club. We made payment according to the initial signed contract for a couple of month more until we found out that XXXX XXXX was not going to release us for the service agreement with XXXX   XXXX. Both, XXXX XXXX  and XXXX  XXXX ask and plead if we would give XXXX XXXX another opportunity and we did not base on the poor management, customer service, and lack of product. Eventually, XXXX   XXXX turn the account to XXXX XXXX XXXX XXXX collection agency to collect and we ask National Finance for the validation of debt and we did not received anything for XXXX XXXX XXXX XXXX or XXXX XXXX. We request the National Finance remove the collection off of our credit report immediately. This is attempt to collect debt that we do not owed. 

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

On XX/XX/XXXX, XXXX XXXX XXXX XXXX submitted a form to TransUnion to delete item with account # XXXX - XXXX XXXX XXXX, which was opened XX/XX/XXXX. This item is still being reported on TransUnion report as closed but needs to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon review of my consumer report I have found false and inaccurate information being reported. FCRA states that I have the right to have accurate information be reported and these items are not.
Product: Debt collection

I was never notified of the debt in anyway. I contacted the company and they threatened to ruin my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Numerous inquiries if unknown sources Late payment on student loans Student loans Reporting of Bankruptcy
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 insufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances dispite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Payday loan, title loan, or personal loan

Scammers used my identity information applied for a personal loan online on XX/XX/2020, {$10000.00} in Wells Fargo. Account No :  XXXX Scammers stole my identity information due to house purchase payment, scammers not only scammed money but also fraud online loan application.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over a period of time I have been contacting each creditor & bureau regarding inaccurate debts reporting to my credit file I have contacted each creditor & bureau regarding them going against the fair credit reporting act section 609 & 611. To my nature the law states that creditors & bureaus are all supposed to report 100 % accurate information in this case they are not. To be more specific these creditors & bureaus are reporting inaccurate debts which is bringing my credit file down tremendously & when I ask for a written response showing the validation from the creditor to bureau I keep getting prolonged or not getting all the information I asked for or they would report another inaccurate date, balances, open account date & then say its validated. 

Credit bureaus Experian, XXXX, & XXXX have been going against the rules they are supposed to follow & have not been providing me with the proper documentation from each creditors Creditors are updating my file through a computer generated system when I asked for all of the proper documentation showing the accounts they validate I still have not receive the proper documentation & under law of the FCRA each of these accounts reporting on my credit file should be removed. 


I have sent XXXX XXXX & Experian documents properly showing where everything is inaccurate that they are reporting onto my file even though its right there for them to see. These companies know they are wrong & I am demanding a change I am demanding that they remove these accounts by law or they will get sued for that I have been dealing with this problem for a while now & i am no longer accepting this! 


The companies are : XXXX XXXX XX/XX/XXXX {$540.00} XXXX XXXX  XX/XX/XXXX {$440.00} XXXX XXXX XXXX XX/XX/XXXX {$510.00} XXXX XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XXXXXX/XX/XXXX {$200.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$480.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$310.00} XXXX XXXX XX/XX/XXXX {$760.00} XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX {$500.00} XXXX
Product: Credit card or prepaid card

We have the Visa Citi Card. 

We set up auto-pay. This month, we were notified that the payment didn't go through. We called to ask what happened. The customer service rep told us that auto-pay cancels after 6 months. We asked where those terms are. She said the agreement. The terms do not appear when you are signing up for auto-pay. Indeed, when I re-enrolled in auto-pay over the phone with her, the disclosure she gave to me DID NOT INCLUDE that in 6 months I would be un-enrolled in autopay. 
I was charged an interest payment because the payment was late. 
These terms are unfair. I think that they should not unenroll you in auto-pay - that only makes it harder to pay your bill! And the fact that you will be unenrolled in auto-pay should be clearly disclosed and agreed to when you enroll in autopay.
Product: Checking or savings account

I have been unable to contact Paypal for assistance, I have submitted document to get account limitations listed which prevents the withdrawal of funds and other actions as requested. There has been no response. The hold advised by paypal is due to unusual activity in which there has been no unusual activity, there is over {$600.00} also on hold in the business account deposited for XXXX sells settlement, XXXX has advised that funds were released and I am able to have access to such funds. Paypal has account limited as well as all funds on hold without communicating with me.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"