23daVinci/CFPB_Complaints huggingface dataset:
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 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 funds balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

The debt was submitted to the CFPB for harrasment, After a long drawn out sitiuation the synchrony bank represented by XXXX XXXX agreed for a settlement of {$230.00} which was paid by cheque as a settlement for accounts written on her letterhead as accounts XXXXand accounts XXXX. 
This payment was in full and final settlement. 
The bank is now claiming one account was paid and the other still owes. 
This is a misrepresentation and is untrue. 
I would not have paid for only half a settlement.
Product: Vehicle loan or lease

Bought a new XXXX truck in XX/XX/2019 from XXXX XXXX XXXX XXXX XXXX  with extra warranties and packages and was told I have 30 days to change my mine and cancel for full refund. I canceled within thirty days and was told the refund will be sent to my lender Citizens One Consumer Loan Services in the amount of ( {$3800.00} ) but as of date my account has not been credited the money. XXXX XXXX XXXX in a letter state the money was sent to my lender. I reach out to the Illinois Attorney Generals Office to get that information from the XXXX XXXX XXXX. I then contacted my lender Citizens One Lender and they state they could not find any reimbursement check from XXXX XXXX XXXX. Now I am reaching out to you to help get my reimbursement money owed me. I am paying for a loan that still include the {$3800.00} in the loan on which is causing me to pay more interest. I have no way to electronically send documents but if you will send me a claim and the attention who to send the documents too I will mail them. All my contacts with the Attorney General Office was by mail.
Product: Debt collection

reported complaint XXXX at XXXX XX/XX/2021 after communicating with XXXX XXXX XXXX 4 times today I received another call at XXXX it was a message asking me to call. I called the number back again and I told the gentleman I received a call he said we already talked to you and I replied I know but you called again. The gentleman transferred me to a female she did not provide her name I advised they called again and she said it was their auto dialer to which I replied please remove my number and she said no you will continue to get calls until you resolve the matter. I replied that is illegal I will just file another XXXX  and XXXX complaint and ended the call.
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, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. 
Account name : # XXXX. 
Account name : # XXXX. 
Account name : # 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, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being. I have rights under 15 U.S.C. 1681. 

Equifax is govern by 15 U.S.C. 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because ; According to U.S.C. 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Account : XXXX XXXX, ACCT # : XXXX Account : XXXX, ACCT # : XXXX Account : XXXX XXXX, ACCT # : XXXX Account : XXXX  XXXX XXXX XXXX ACCT # : XXXX Account : XXXX XXXX, ACCT # : XXXX Account : XXXX XXXX, ACCT # : XXXX Account : XXXX XXXX, ACCT # : XXXX Account : XXXX XXXX, ACCT # : XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XX/XX/2023 XXXX XX/XX/2023 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed incorrect information contained in my credit report in a letter dated XX/XX/XXXX to your company and to the creditor on XX/XX/XXXX ( please see enclosed copy ). I understand that, under the Fair Credit Reporting Act ( FCRA ), I am entitled to timely response from your bureau. Please take notice that I must receive a corrected copy of my credit report with the changes I have outlined within XXXX ( XXXX ) business days from receipt of this letter, or I will be forced to take legal actions under the FCRA, seeking damages for loss of credit and for the mental anguish your bureau has caused me. XXXX has since removed this inaccurate account since XXXX was not able to verify it even after my dispute letter. Because of your violation of the FCRA 's time frame on such timely responses, it is safe to say that this account will be removed in 5 days or I will proceed with legal action. Attached is the dispute letters dated and time stamped. I have also included an updated copy of my XXXX report showing that the account was removed between XXXX and XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My address is inaccurate. I only live at one address have live there years and I only have one name I use. There is no other name. My job is incorrect as well. 

All my personal information needs to be corrected and updated on a 3 bureaus. XXXX, XXXX, and Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : ( XXXX  XXXX ACCOUNT NUMBER XXXX ) I have attached all the relevant documents pursuant the above section of the law. I demand all the above fraudulent accounts be DELETED immediately within 4 days of being notified of the identity theft or I am requesting compensation for {$1000.00} per violation along with damages I haveThis Company has been notified with numerous letters and has failed to validate the debt related to identity theft. My accounts have not been investigated thoroughly, I have not received the requested documentation that shows any contracts, and validation. Pursuant 15 U.S Code sS 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) Appropriate proof of the identity of the consumer : ( 2 ) A copy of identity theft report ( 3 ) The identification of such information by the consumer and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. This has damaged my reputation and the company has failed to respond to my dispute letter that included an identity theft affidavit along with the requested identity proof documents. SEE CERTIFIED MAIL TRACKING NUMBER SENT TO ( XXXX  XXXX ACCOUNT NUMBER XXXX ) XXXX SENT TO XXXX  XXXX XXXX SENT TO XXXX VIA XXXX CERITIFED MAIL XXXX SENT TO XXXX VIA XXXX CERTIFIED MAIL XXXX SENT TO EQUIFAX VIA XXXX CERTIFIED MAIL 15 U.S. Code sS 1681n- Civil liability for willful noncompliance ( a ) In General Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) Such amount of punitive damages as the court may allow ; and ( 3 ) In the case of any successful action to enforce any liability under this section, the costs of the action together with with reasonable attorneys fees as determined by the court. 


I have attached all the relevant documents pursuant the above section of the law. I demand all the above fraudulent accounts ( XXXX XXXX ACCOUNT NUMBER XXXX ) ) be DELETED immediately within 4 days of being notified of the identity theft or I am requesting compensation for {$1000.00} per violation along with damages I have suffered due to not being able to obtain credit.
Product: Credit reporting or other personal consumer reports

I disputed inaccuracies on my credit report with Experian regarding the XXXX XXXX XXXX XXXXD ( Account # : ... XXXX ). Despite providing supporting evidence, Experian failed to conduct a reasonable reinvestigation as required by the Fair Credit Reporting Act ( FCRA ) and violated several of its obligations under the law. Specifically : Failure to Conduct a Reasonable Reinvestigation ( FCRA Section 1681i ( a ) ) : Experian did not adequately address my dispute or verify the accuracy of the information reported.

Failure to Provide Relevant Information to Furnishers ( FCRA Section 1681i ( a ) ( 2 ) ) : Experian did not forward the supporting documents I submitted to the data furnisher.

Failure to Assure Maximum Possible Accuracy ( FCRA Section 1681e ( b ) ) : Experian failed to ensure the information on my credit report was accurate.

Failure to Provide Clear Dispute Results ( FCRA Section 1681i ( a ) ( 6 ) ) : The results letter I received was ambiguous, leaving me uncertain about the outcome of the dispute.

These actions are consistent with the allegations in the recent CFPB lawsuit against Experian ( XXXX XXXX. XXXX ). The lawsuit details systemic failures, including ignoring consumer-provided evidence, mischaracterizing disputes, and over-relying on furnishers ' responses without independent verification. These practices violate both the FCRA and the Consumer Financial Protection Act ( CFPA ). Experians actions have caused harm to my creditworthiness and financial stability.
Product: Credit reporting or other personal consumer reports

XX/XX/year> i sent transunion a letter looking for explanation in regards to a dispute for collection that was not recognized on my end and the company has ignored my request to resolve the issue.
Product: Credit card or prepaid card

This is in reference to  a Costco card issued through Citi. At a Costco location, I needed to add myself to my business account which already existed. Instead of adding me to the account already opened, the issuing location erroneously/fraudulently established a separate account under my personal information, resulting in a separate hard credit pull, and an additional credit line open to me personally. I have attempted to resolve this with Citi o n  XXXX / XXXX / 17  at  XXXX . They said that they were  unable to reverse the hard pull on my credit. Citi advised me to close the account that had erroneously been opened in my name, helped me add myself to my business account, and encouraged me to contact the C FPB.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Charge-Off Accounts and Request for Immediate Removal To Whom It May Concern, I am writing to formally dispute the inaccurate and misleading reporting of charge-off accounts on my credit report. Specifically, these accounts have been incorrectly classified as open despite being charged off, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws.

According to the FCRA ( 15 U.S. Code 1681s-2 ), creditors are required to report accurate and complete information. A charge-off account can not remain classified as an open account, as this misrepresentation severely impacts my creditworthiness. Additionally, I am demanding the immediate removal of all late payments associated with these accounts, as continued reporting of delinquency on an account that has been charged off is unlawful and misleading.

This inaccurate reporting has already caused me significant harm, including loss of employment opportunities and financial hardship. As such, I am demanding the following actions be taken immediately : 1. Remove all charge-off accounts that are incorrectly reported as open.

2. Delete all late payment history associated with these accounts.

3. Remove these accounts entirely from my credit report.

If these errors are not corrected within the legally required timeframe of 30 days, I will have no choice but to pursue legal action against your company for willful noncompliance with federal and state consumer protection laws. I will also file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office.

I expect immediate action and a written confirmation that these errors have been corrected. Please consider this a final notice before legal proceedings begin. I look forward to your prompt response.

The account in question are XX/XX/XXXX auto loans thats reporting late and charged off. Please remove - Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX and their representative XXXX XXXX have failed to provide proof that the debt is mine. They also failed to respond to my request of information to verify the debt. XXXX has repeatedly called my workplace even after I requested that he do not contact my workplace. He has also repeatedly, sometimes four times in one day, called my cell phone despite being instructed to not contact me until after the verification documents have been sent and received. On the phone, he has used abusive language and forceful demeanor attempting to collect this alleged debt.
Product: Checking or savings account

On XX/XX/XXXXXXXX XXXX XXXX XXXX I went to the XXXX Wells Fargo branch and withdrew XXXX. The scammer on the phone told me that my account is compromised and that I should take out my money immediately, which I have done. Then they told me to add a new XXXX XXXX to my wallet, which I also did. Then I was told to deposit all the cash into the card, which I did in batches. Then the scammer tried to do a factory reset and told me to delete the debit card from the XXXX XXXX, which I did and led me to losing all the money. I have a receipt of depositing XXXX in cash ( checking account ending in XXXX ). Though I have authorized the withdrawal myself, the ATM should have a record of where I sent the money to. Wells Fargo will not release that information to me, which I need in order to find the checking account my money went to and so I am able to get my money back.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letter-certified signature requests. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 


Accounts listed below please make adjustments XXXX XXXX XXXX XXXX Balance XXXX Auto loan This account is not delinquent or late account paid current please update or delete incorrect information. 



XXXX XXXX Balance {$1000.00} This account is not delinquent or late account paid current please update or delete incorrect information. 

XXXX XXXXXXXX XXXX  XXXX {$500.00} Balance This account is not delinquent or late account paid current please update or delete incorrect information. 

XXXX XXXX {$1000.00} Balance This account is not delinquent or late account paid current please update or delete incorrect information. 

XXXX XXXX {$300.00} Balance This account is not delinquent or late account paid current please update or delete incorrect information. 

XXXX XXXX XXXX XXXX balance {$1500.00} This account is not delinquent or late account paid current please update or delete incorrect information.
Product: Money transfer, virtual currency, or money service

on XX/XX/13 I initiated a transfer of {$30.00} dollars. Two days later a {$30.00} charge was issued to my bank account, followed by a second {$30.00} charge. I was told the initial charge was due to a failure of funds. It is suspicious that they were able to claim a {$30.00} charge for lack of funds that was able to clear, and then claim a second {$30.00} charge for the original transaction. This behavior feels predatory and unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts # LATE PAYMENT - XXXX XXXX XXXX XXXXXXXX # XXXX - XXXX XXXX XXXX XXXX # XXXX INQUIRIES- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 fumish 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 reason.
Product: Checking or savings account

I had a cash app account and I believe someone had access to it so I created a second cash app account they told me I was allowed to have as many as possible a couple months ago I closed my original account I have contacted customer service yesterday and today over and over to request copies of my bank statements due to my need to amend my taxes and when you amend your taxes the IRS requires proof of the things you are saying. Every single time they contact me back as a brand new customer service representative saying the exact same thing they can't Grant access I never asked for Access they offered a temporary access so I can download my statements I said that's fine they came back said oh sorry we can't do that because somehow it would jeopardize my second account with them and they have security measures in place and I said fine email me or mail paper copies of my statements and the next reply is exactly the same I can not Grant you access and the next reply is the same and the following replies the same in the following replies the same I have three times asked for a higher level tier representative to assist me nobody has even addressed that or said they would move my ticket up to a higher level they have not even acknowledged that I asked that and I refusing to assist me beyond level one help desk support I also asked them if I close my second account then I should be able to have access to my first account and nobody has addressed that question for me but yet each customer service Representatives closes with the same sentence please let me know if there's anything else I can help with only nobody actually helps me with things that I ask for like someone else to assist me or are you going to mail or email my statements or if I close the other account then I should be able to access the first account and then they said we can not provide any more information to you. Last I checked they are providing a service they are making money off of me that checking account was my money that I made I earned those statements on my information and it hasn't been 5 years it's been a couple of months I would like access to my information to go ahead and amend my taxes.
Product: Credit reporting or other personal consumer reports

The 3 CRAs have been furnishing and reporting numerous accounts with many inaccuracies that I removed in the past! Now when I go back and look their reporting a Bankruptcy ( which by 15 USC 1681i ( 4 ) and 15 USC 1681 ( i ) 5 ) which Bankruptcy courts DO NOT REPORT SUCH PRIVATE INFORMATION to the CRAs and I am distraught by their actions! Also their reporting accounts that are not reporting 100 % accuracy and I will list the accounts below! 
Experian : XXXX  XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX. XXXX Bankruptcy XXXX XXXX XXXX XXXX  XXXX Bankruptcy