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

Notice of Revocation of Power of Attorney and Demand for Fiduciary Accountability To : Navy Federal Credit Union Subject : Formal Notice Regarding Account of XXXX XXXX XXXX ( e.g., XXXX XXXX XXXX ) This letter serves as a formal notice of the following : XXXX. Revocation of Power of Attorney Pursuant to [ XXXX ( Code of Federal Regulations ) ] and applicable provisions under XXXX ( Uniform Commercial Code ), I hereby revoke any implied or expressed power of attorney previously granted to Navy Federal Credit Union regarding my accounts or trust-related matters. Any continued reliance on said authority will be deemed unauthorized. 


2. Fiduciary Duty under Trust Accounts Under the UCC, fiduciary duties must be upheld for trust accounts. As a fiduciary, Navy Federal is obligated to manage such accounts in compliance with the principles of trust law, including transparency, accountability, and the proper management of funds. 


XXXX. Restrictions on Loans Using Bank-Owned Stock In accordance with UCC provisions XXXX financial institutions are prohibited from issuing loans backed by their own stock. This practice constitutes a conflict of interest and violates banking regulations designed to ensure financial stability and integrity. 


4. Truth in Lending Act 15 USC 1605 Under the Truth in Lending Act ( 15 USC 1605 ), Navy Federal must provide clear and accurate disclosures regarding the finance charges and terms associated with my accounts. Failure to comply with these standards violates federal law and will result in further legal action if necessary.

Summary of Demands Cease and desist from acting under any presumed authority regarding my accounts.

Provide a full accounting of any fiduciary actions taken on my trust account.

Confirm compliance with the Truth in Lending Act ( 15 USC 1605 ).

Ensure all actions adhere to UCC regulations regarding the issuance of loans and fiduciary duties.

Failure to address this notice within [ reasonable time, e.g., 10 business days ] will result in the escalation of this matter to the appropriate regulatory and legal authorities. 

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

Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains a late payment reported by Santander Consumer USA account # XXXX. 

I want you to know that I understand my financial obligations, and if it werent for Santander Consumer USA, Id have an excellent repayment record. I have been a satisfied customer of XXXX since XX/XX/2016. Their outstanding customer service is the reason Ive remained a loyal customer, and Ive always considered it a priority to make all payments on time by setting automatic payments. Unfortunately, I was not aware that XXXX had been bought out by Santander Consumer USA, due to being on military travel orders. I had no access to information about this transition as military members had no contact privileges while on training mission.Upon return from my training, I was notified of the transition and the late payment.I made it certain to pay my dues immediately upon notification. I am concerned about the repercussions of this occurrence as it has an impact on my credit score and hope that my consistency with all my previous payments is enough to prove my reliability. Your records will show that I had never been late with a payment until this unfortunate oversight, and I have been prompt with my payment since the situation was brought to my attention. 

I am planning to apply for Veterans Mortgage Loan and it has come to my attention that the missed payment on my record could impact my ability to qualify. I respectfully request that you apply a goodwill adjustment to remove the late payment from my file. 

Thank you very much for your consideration,
Product: Credit card

XX/XX/XXXX - I executed an interest free balance transfer of {$14000.00} and paid a transaction fee of {$700.00} ( I expected this ). 

XX/XX/XXXX - I was charged an annual membership fee of {$69.00} ( I expected this ), but I incurred an interest charge of {$0.00} on the membership fee that I did not expect. 

XX/XX/XXXX - I paid {$160.00} to cover the minimum balance due, membership fee, and interest charge. 

XX/XX/XXXX & XX/XX/XXXX - I made two purchases totaling {$1300.00}. 

XX/XX/XXXX - I paid {$1300.00} to cover the full balance of the two purchases with an expectation of not receiving interest charges. 

XX/XX/XXXX - I incurred an interest charge of {$21.00} because the two purchases triggered interest on the open balance ( I did NOT expect this ). 

I continue to incur monthly interest charges because I used the card which is apparently is not something you can do after executing an interest fee balance transfer.
Product: Money transfer, virtual currency, or money service

Account negligence and malfeasance. Incriminating TOS and ARbitration release. 

Counsel has sent two letterheads to Coinbase legal department, and since contacted Federal Beureau of Investigation, SEC, XXXX, and XXXX. 

Coinbas

e Arbitration Service / Legal Department has neglected to respond or take action. Will be following up with two Federally Secured departments to oversee contention from multiple consumers- negating Class and Mass action recourse. 

Coinbase has additionally determined that misinformation at CSR levels is appropriate to dissuade consumers from resolution. 

Coinbase is ultimately gatekeeping personal funds and personal information hostage behind verification processes, CSR misinformation, and TOS.
Product: Credit reporting, credit repair services, 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 XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

MY EX DAUGHTER IN LAW CHARGED MY DISCOVER CREDIT CARD WITHOUT MY AUTHORIZATION OR KNOWLEDGE TO {$3900.00} WORTH OF CREDIT CARD CHARGES WHILE I WAS IN XXXX ON HOTEL ROOMS AND FLIGHTS FROM XXXX XXXX TO NEW YORK FROM XX/XX/XXXX-XX/XX/XXXX ON XX/XX/XXXX MY DISCOVER CARED WAS CHARGED {$2000.00} FOR XXXX XXXX XXXX XXXXXXXX XXXX XXXX. THE NAME OF THE RESERVATION WAS : XX/XX/XXXX WITH MY HOME ADDRESS ( XXXX XXXX XXXXXX/XX/XXXX ... ). THERE WAS TWO HOTEL GUESTS : XXXX XXXX XXXX XXXX XXXX. THEY STAYED FROM WED XX/XX/XXXX TO SUNDAY XX/XX/XXXX ( HAVE HER FALSELY SIGNING MY NAME WITH HER PERSONAL INFORMATION ( HER PHONE NUMBER & HER EMAIL ADDRESS ON THE DOCUMENT TO XXXX XXXX. XXXX PHONE : XXXX SHE ALSO CHARGED MY CREDIT CARD FOR XXXX XXXX XXXX TICKETS FOR BOTH THOSE UNKNOWN INDIVIDUALS ( XXXX XXXX XXXX XXXX XXXX ) FROM WEDNESDAY XX/XX/XXXX-SUNDAY XX/XX/XXXX - FROM XXXX TO XXXX XXXX, CONFIRMATION : XXXX. JXXXX XXXX  PHONE : XXXX MY SON DISCOVERED THIS INFORMATION THIS YEAR WHEN HE WAS ABLE TO LOG INTO HER EMAIL ADDRESS THRU XXXX AND FOUND OUT MY CREDIT CARD WAS FRAUDULENTLY CHARGED. ALSO, AT THE SAME TIME IN XX/XX/XXXX, I WAS IN XXXX. I CAN PROVIDE DETAILS OF MY TRIP. I INFORMED DISCOVER CARD, AND THEY DENIED THE FRAUD HAD BEEN COMMITTED, EVEN THOUGH, I HAVE BEEN A LOYAL CUSTOMER FOR MANY MANY YEARS AND I HAVE THE INFORMATION INDICATING THAT MY EX DAUGHTER IN LAW COMMITTED FRAUD ( SIGNATURES AND APPROVAL INFO ). THE TOTAL OF CHARGES STEMMING FROM THE FRAUD WERE {$3900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX or XXXX of 2019, Costco decided to charge the joint credit card Costco Anywhere Visa by Citibank to renew my Costco membership ending in XXXX without my authorization or permission. I had over a year without using the Costco Citibank credit card ending in XXXX and had always renewed my Costco membership at the store and paid cash. When Costco charged the credit card, I was not aware because I never received a statement until I started receiving collection letters from Citibank and saying I was 90 days late with the payment. I called Costco at ( XXXX ) XXXX and spoke to CSR XXXX. Costco apologized and promised to reimburse the payment to the credit card, waive all late fees ( which they did ) and remove any negative activity from my credit report ( 90 Days Late ). I also filed a dispute with all 3 credit agencies, XXXX, XXXX and XXXX. Costco made CitiBank credit me for the unauthorized payment, remove all interest charges and all late fees plus closed the account. The 90 days late was also removed from my credit report and brought my FICO score 93 points back up to XXXX from XXXX. When I check my credit again in two weeks, my credit score had gone back down to XXXX and the 90 days late is back on my credit history. I opened a second dispute and within a week, my FICO score was back up to XXXX and the 90 days late was removed from my credit history. Today, XX/XX/2019, I check my credit again and my score has gone back down to XXXX and once again, the 90 days late appears in my credit history. I called XXXX credit agency and the CSR told me that when I open the dispute, they sent a letter to CitiBank but they never reply back to the dispute so they automatically remove the 90 days late from my credit history and my FICO score goes up 93 points. But Citibank continues to report the 90 days late to the credit agencies and reason why my FICO score keeps going down and I keep seeing the 90 days late on my credit report. XXXX  told me to continue to open a dispute every month until Citibank stops reporting the Late Payment. I would like an investigation because I believe Costco and Citibank have made an unauthorized charge to my credit card, have damaged my credit and Citibank continues to damage my credit even after a dispute was opened and my credit was repaired and Costco removed the unauthorized charge, all late fees and interest fees. I would like an investigation to see if this has happened to other consumers and I would like and investigation to see why CitiBank keeps damaging consumers credit even after knowing that the charge was made without the authorization or permission of the credit card holder. I want you to contact both Costco and Citibank regarding this problem.
Product: Student loan

In XX/XX/XXXX I believe Navient violated the terms of my loan payment by putting my account into forbearance without meeting any of the terms to go into forbearance. I am not in school, have not been delinquent, and did not request this in any way. They then capitalized that interest in XX/XX/XXXX. 

All of this was done without ever contacting me or sending me any sort of notice. When I called about the issue I was told that there was an accounting glitch and that someone would look into the issue, but the result was no changes. 

I have also been subject to a " payment holiday '' for overpayment in XX/XX/XXXX, which I did n't previously know about until I was able to get documentation from Navient showing my payment schedule.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which statesthat continued reports of the unverified information without any proof provided, within thetime allowed by law, is not authorized. The account listed below is still reporting on myCredit Reports and needs to be deleted immediately : XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

We paid {$950.00} on XX/XX/2019 on my bill. Citicard refuses to acknowledge receipt of the monies. I have checked with customer service daily.
Product: Student loan

My personal and financial was compromised without my authorization my family education rights, and privacy act FERPA act protect the confidentiality of student records this breach is a clear violation of FERPA and your responsibility to safeguard my information given the severity of this breach and resulting in compromising my personal and financial information
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds would be impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Vehicle loan or lease

High interest fees and i was never refunded gap protection after the car was paid off
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of bogus addresses. 

This address was used to open accounts in my name : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, NY XXXX These are the accounts in my name that stems from the identity theft : XXXX XXXX XXXX. Opened XXXX XXXX, XXXX. {$1000.00} XXXX XXXX XXXX  Opened. XXXX. XXXX, XXXX {$2100.00} XXXX XXXX. Opened XXXX XXXX, XXXX {$1400.00} XXXX XXXX Opened. XXXX XXXX, XXXX {$410.00} A copy of an FTC report listing the Accounts opened in my name is enclosed. My consumer FICO credit report now contains fake addresses as a result of these accounts. A copy of your consumer FICO credit report, which includes the aforementioned bogus addresses. The aforementioned accounts and addresses, as reported, are unfamiliar to me. The Accounts and Addresses listed above is the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # XXXX as official documentation from the US Federal Trade Commission demonstrating that the Accounts and Addresses listed above are all the product of fraud and identity theft.
Product: Credit reporting or other personal consumer reports

I have submitted letters by mail as well as online. Credit report agency is telling me they determined it's not me, when I verified who I was. They have no right and is clearly committing fraud against me. The company is nothing more but an agency company and reporting things that are inaccurate on my personal information. I am living and breathing. I am capable of reporting my personal information on my own. And Experian reporting agency have committed fraudulent activity.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The bankruptcy reporting has violated federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I asked Equifax to reinvestigate the bankruptcy they are reporting .However, they stated everything was verified and accurate. But how is that possible if I have a letter from the courts stating they didn't report my information. I have also attached the letter from Equifax stating they verified the bankruptcy with the court ( which they are lying and breaking the law ) 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: Checking or savings account

My notifications arent timed correctly and when I call to check balance it says one amount, delay occurs and it causes returned payments today and notifications frequently have som type of inaccuracy in timing. I Im still being targeted via data breechers and identity theft persons in some way. Ive not had this problem before the frequency.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681. The List of accounts below has been violated and I demand, they are deleted immediately. 

Under 15 U.S.C. 1681 Section 602 ( A ) states my rights to privacy, which your company is in violation of. 
Under 15 U.S.C. 1681 Section 604 ( A ) ( 2 ) Also states any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have not and do not give you consent to post the following items on my consumer report. 

Accounts XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXXXXXX Date XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have some accounts that were previously disputed for fraud they are not mine and they continue to appear, I expect them to be investigated and removed from my credit report and the independent investigation and update to my credit report sent to me. 

The accounts are : Name Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XXXX I sent a letter opting out of any and all authorization I the consumer may have given XXXX XXXX XXXX in a demand to have my personal, financial, public, and non private information removed from third party non affiliate companies and consumer reporting agencies per 15 USC 6802. 15 U.S. Code 6802 is about obligations regarding the disclosure of personal information. It states that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party 15 U.S. Code 6801 states that Congress has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. And Per 16 CFR 313.7 - Form of opt out notice to consumers 313.7 Form of opt out notice to consumers ; opt out methods. ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure ; I have submitted my opt out request even though the option was not clearly provided to me.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX an retaliatory hard inquiry made due to cfpb complain XXXX. When calling XXXX, they stated they didn't make the inquiry and they only make XXXX inquiry per month which was on XX/XX/XXXX when they stated my personal information didn't match my credit report. XXXX is blaming Equifax for XXXX inquiries XXXX weeks apart. Didn't apply for any loans to justify the second inquiry on XX/XX/XXXX. Only logical source for the inquiry is citizens trying to " resolve '' the prior cfpb complaint XXXX and made an additional hard inquiry on my credit report. 

Since per XXXX  that I'm not who I say I am and that my social security number is invalid, they need to remove both hard inquiries from my equifax report.
Product: Credit card or prepaid card

To whom it may concern, I am writing to dispute a collection account that was opened fraudulently in my name. I recently discovered this account on my credit report and have reason to believe that it was opened without my knowledge or consent. 

I have never applied for or authorized any account with the company in question, nor have I ever received any services or products from them. Therefore, I do not owe any debt to the company. 

Furthermore, I have taken all necessary steps to protect my personal information and have never shared my personal details or account information with anyone. I believe that this account was opened as a result of identity theft or fraudulent activity. 

I am requesting that the collection agency remove this account from my credit report and cease all collection efforts immediately. I also request that you provide me with written confirmation that this matter has been resolved and that the fraudulent account has been removed from my credit report. 

I am willing to provide any additional information or documentation that may be required to support my claim. I appreciate your attention to this matter and look forward to a prompt resolution. 

Sincerely, XXXX XXXX