23daVinci/CFPB_Complaints huggingface dataset:
Product: Other financial service

I have tried several times to cash my paycheck at XXXX ( Which Certegy handles the verification ) but they keep declining and told me to contact Certegy. I was very concerned because I dont have any negative transactions so I called Certegy and spoke with XXXX and her senior XXXX. I advised them that I have a copy of my consumer report and it clearly states no outstanding/ unpaid transactions and I wanted to know why they are providing negative information preventing me from being able to cash my check. XXXX advised that they cant tell you why the transaction was declined it was confidential, so I spoke with XXXX that stated the same thing. I asked her if I do n't know why they are declining the transaction how would I know if they are basing the decline on incorrect information. I just do n't think they should be able to just decline my transaction with out giving me a reason besides falling outside to the guidelines. They should be required to provide me with the guidelines so I will know if I meet them. I am simply trying to cash my checks nothing more. Please investigate this because it does not seem ethical at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the involved companies through the credit bureaus, and it has been 90 days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information. 

I demand that this unverifiable information be removed from my credit report immediately. The 90-day delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history. 

Please let me know if you would like any further revisions or if you have additional concerns.
Product: Credit reporting or other personal consumer reports

Dear CFPB Team, I am submitting this formal complaint against TransUnion for improperly verifying and updating an account on my credit report without providing the necessary verification documentation. This impacts my credit profile negatively and constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 
Complaint Description : TransUnion verified and updated the XXXX account, partially identified with account number # XXXX, on my credit report without providing documentation to substantiate this verification. Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), consumers have the right to a detailed description of the verification procedure and to receive any document proving the validity of the claimed debt. I have repeatedly requested the following from TransUnion : A complete description of the procedure used to verify this account, including the verification method employed. 
The name, address, and telephone number of each person contacted regarding this account, as required under Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the FCRA.

A copy of any document bearing my signature demonstrating a contractual obligation to pay the claimed amount, as outlined in Section 609 ( a ) ( 1 ) of the FCRA. 
TransUnion has not complied with these requests, restricting my right to a transparent and accurate investigation. Additionally, any verification conducted solely through the automated E-OSCAR system is inadequate and does not meet FCRA standards. 
Impact on My Credit : These inaccuracies on my credit report significantly affect my credit score and hinder my ability to obtain financial opportunities. TransUnions failure to comply with the FCRA represents an obstruction of my right to a fair and accurate credit report. 
Request for Intervention : I respectfully request that the CFPB intervene in this case, requiring TransUnion to adhere strictly to the provisions of the FCRA and provide detailed and complete verification of the reported data on my credit. Furthermore, I ask that TransUnion be required to respond adequately to my requests or to remove this account from my credit file if the data can not be properly verified. 
Thank you for your attention to this matter. I am available to provide any additional documentation to support my case and trust that the CFPB will take the necessary action to ensure TransUnions compliance with its legal obligations, thus protecting my rights as a consumer. 

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

This is XXXX XXXX submitting this complaint about recent disputes sent to XXXX about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. Please remove or update the account completely from my Credit Reports : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX
Product: Checking or savings account

I went to the XXXX XXXX XXXX TD Bank location on Thursday, XX/XX/2019 after I got out of work to use the atm. Naturally, the bank was closed, so this was the only option. After I deposited my {$78.00} into the atm, it jammed and asked me on-screen to enter the amount of money I put into it. I did so, and it forced the deposit into my account, while printing a receipt for this. The next morning, I wake up and notice that only {$58.00} of my {$78.00} has been deposited. I drive from three towns away to speak to an employee, as the phone number listed on the receipt and online makes it virtually impossible to speak to a real person, and they tell me that machine jams happen " all the time '' and that " they only found {$58.00} in the atm when they opened it up ''. I'm sorry, but should I be held liable because of employee error, or the fact that it could have gotten cycled into the machine unlike the rest of the money and they did not look and consider this? Furthermore, couldn't it have been possible this happen to other people the same night before me, as this " happens all the time '', and there were multiple transaction errors? Instead of providing me with any assistance, this employee make it clear he wasn't going to do anything about this, and walked away to the other end of the store to make someone else deal with it. I have not been provided with a proper deposit slip as it says " error '' online, and the one I have clearly is not that if they didn't give me the amount printed on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This item is reporting late as reported in my 3 Credit Bureaus. Lets correct 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 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 balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting

Someone is using my SS # to open accounts with. Company is XXXX for {$160.00} this is hurting my credit score. I have been to the Sheriffs office in XXXX XXXX, XXXX LA and to the DA office in XXXX, LA about this individual. I want this off my credit report. Can you please send to TransUnion and XXXX
Product: Debt collection

Wrote letter to XXXX XXXX XXXX/XXXX XXXX requesting validation of debt and to provide legal validation as required by my state that I have an account with them or any liability to pay them. I do not have any obligations, contracts, agreements to pay and disputed this debt in its entirety via tracked mail directly to the company and they have provided no response validating my request. However they continue to place miscellaneous balance increases to my XXXX XXXX XXXX reports, XXXX has removed this from my reports as it is clearly a violation to report inaccurate information. This is an attempt to resolve this matter without further harm to my credit file and having to take additional action against XXXX and their illegal reporting practices. the last that I saw in my credit files was an amount of XXXX XXXX  which continuously increases little by little. Upon contacting the listed OC - original creditor I did receive a letter saying it has a 0 balance and has been with another company aside of this XXXX XXXX. it reflects a false balance, it reflects false responsibility, it reflects inaccurate dates which affect the Statute of Limitation of the credit agencies. This should be deleted from my file of XXXX  and XXXX as it is in violation of many reporting laws.
Product: Checking or savings account

I contacted CashApp about fraudulent charges on my account and to speak to a representative and I wasn't able to. Only a text chat. And it kept repeating the same thing. My problem was never solved. And money was never returned in my account.
Product: Payday loan, title loan, or personal loan

I obtained a loan for 0 % interest in XX/XX/2020 for 1650dollars for 12months and payed it off in 8 months. I sent in finance charges monthly for 8 months. The loan was 0 % .The company changed the amount to {$1800.00} after I sent them 1650.
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 aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit card

Dear Sir/Madam, I am writing to formally lodge a complaint against BMO Bank regarding an unexpected charge on my credit card account and the subsequent closure of my account. 

On XX/XX/XXXX, I received a statement from BMO Bank indicating that I owe {$2.00}. Upon contacting the bank, I was informed that this charge was due to my credit card account being closed because it had not been used for over a year. Additionally, I was told that there was a negative balance of rewards before my account was closed, which I now have to repay. 

I am extremely confused and disappointed by this unexpected charge and the lack of clear communication from BMO Bank. At no point was I informed that my account would be closed due to inactivity, nor was I made aware of any negative balance in my rewards account. This situation has caused me undue stress and inconvenience. 

I kindly request your assistance in investigating this matter and ensuring that BMO Bank provides a clear explanation and resolution. I believe that the charges are unjust, and that the banks handling of this situation has been inadequate. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

Re : Complaint Regarding XXXX XXXX XXXX and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive XXXX  data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data.

Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach.

Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq.

6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data. 
Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq.

5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures.

Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX ), filed on ( XX/XX/year> ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXXXX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention a serious matter that has come to my notice recently. Upon reviewing my credit report, I have discovered several fraudulent inquiries that I did not initiate. These unauthorized inquiries have significantly impacted my credit standing and raise concerns about potential identity theft. I am deeply concerned about the presence of these fraudulent inquiries as they may not only damage my credit score but also indicate possible fraudulent activity on my personal information. I have taken great care to safeguard my sensitive details, and the existence of these inquiries has raised alarm bells regarding the security of my personal data. I would like to emphasize that I did not authorize any entity, individual, or organization to inquire about my credit history. 
I demand immediate investigation and removal of these unauthorized inquiries from my credit report to rectify this distressing situation. To assist in your investigation, I have enclosed a copy of my credit report, highlighting the suspicious inquiries in question. I urge you to take prompt action to rectify this matter and restore the accuracy of my credit history. Additionally, I request written confirmation once the inquiries have been removed and any corrective action has been taken. Furthermore, I have already taken steps to protect myself from potential identity theft by placing fraud alerts with the XXXXhree major credit bureaus. However, I am relying on your expertise and assistance in addressing this matter thoroughly and preventing any further damage to my credit reputation. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and I expect that this right will be fully respected throughout the resolution process. I expect to receive your written response within 30 days of your receipt of this letter, as stipulated by the FCRA. Failure to respond within the stipulated timeframe may result in my escalation of this matter to the appropriate regulatory authorities and legal action if necessary.

The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.
Product: Payday loan, title loan, or personal loan

On XXXX XXXX, 2019, Wells Fargo, ( herein " WF '' ) found a new way to charge overdraft and return item fees. None of the actions taken by WF is technically illegal. WF announced by letter that the bank was amending the terms of its Line of Credit Agreements to allow the bank, without prior notice, to close the account if it had had no activity for one year. I spoke to customer service, informing them that the ability to close the account without notice had an effect on many customer 's deposit account agreements, as these lines frequently serve as overdraft protection for the deposit accounts. That means that a customer who inadvertently overdraws their deposit account -- or who intentionally writes a check over the deposit account balance -- may be subject to overdraft fees or a dishonored item with a fee-without actually knowing that the line of credit account had been closed by WF without notice. The Customer Service person I spoke to was forced to agree that I had correctly interpreted the terms of the account change. 
Customers often do not know or understand the effect of the change of terms. As an attorney who wrote these terms for the former Wachovia bank, I do understand them and find the " without notice '' clause a unfair and deceptive action. Customers can protect themselves by taking a minimum advance from the line of credit and paying it back on the next day. However, since the lines of credit were sold in part as overdraft protection lines, it is grossly unfair to allow the bank, particularly this bank with its recent customer service debacles, to take this action, The bank should absolutely provide a prior notice to shutting down the line so that customers can take appropriate action to protect their good credit standing on their deposit accounts. I can not determine if WF is taking this step to increase overdraft and returned item fees or if it is closing accounts without notice to control the access of employees to these lines of credit. Did CFPB order Wells to take this action to " clean up '' its house? If it did, the result is still unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Can not submit disputes on Transunion.com, at times you can get all the way to finalize step and then the website will report it has a problem, sometimes, like today you can start the dispute process but can not access items to dispute. I had much better luck with this when I was paying for their report but I should not have to subscribe to dispute an item.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  reporting incorrect late payment for XX/XX/XXXX - This reporting is INCORRECT account was paid on time XXXX XXXX XXXX reporting incorrect late payment for XX/XX/XXXX and XX/XX/XXXX - This reporting is INCORRECT account was paid on time XXXX XXXX  reporting incorrect late payment for XXXX - This reporting is INCORRECT account was paid on time XXXX  XXXX reporting incorrect late payment for XX/XX/XXXX - This reporting is INCORRECT account was paid on time