23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with in accordance with its particular merits. 

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 


Heres the list of the questionable items : XXXX XXXX XXXX XXXX Charge-off {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting incorrectly on my credit report. They are purposely doing so to keep my score down to force me to be stuck with there ridiculous 18 perfect rate. I have called them over and over to straighten this out. I always paid this loan months ahead they applied money incorrectly to the princable and not the payments if you check the historical information of the loan and simply do the math. I was in fact ahead on my payments what they are reporting is incorrect and there error is affecting my perfect payment history! I have had 4 auto loans never ever late my boat never ever late and this XXXX loan was never ever late. I pride myself on paying things on time this company is reporting incorrect information they refuse to admit it to purposely keep my score down so its harder for me to refinance XXXX XXXX XXXX in XXXX is not a good lender in my opinion. I would never finance with them again!
Product: Money transfer, virtual currency, or money service

Why is paypal, venmo and others charging you money to get your money back sooner? This is absurd. Why are banks taking 3-5 days, this is the digital age, no hastle of the post office. Americans are being price gouged at every turn and enough is enough. 

They certainly let you buy things instantly, but somehow getting your money back instantly is a fee? 

This should be a class action lawsuit NOW, not later.
Product: Credit card or prepaid card

The US bank charged me two late fees of XXXX dollars total on a balance of XXXX cents. I had called to get a late fee reversal, and on XX/XX/XXXX they reversed a fee of XXXX dollars but left a fee of XXXX cents that I thought was also included in the reversal. I was not charging that card and thought I did not need to make a payment. Now I have two late fees of XXXX dollars due on my account.
Product: Checking or savings account

I opened a new checking account with Bank OZK using their website to open and establish the account. In doing so I transferred money from a different banking institution to establish the new account with Bank OZK. 

Bank OZK initiated the transfer from my outside account and the funds left my outside bank account. However Bank OZK then rejected the deposit into my new account because they said my account was " not verified ''. 

Since then Bank OZK has told me that I needed to go to an in-person Bank OZK location to verify my account so the 'restriction ' placed on my account opened online could be removed. This restriction was the reasoning given for why the deposit was rejected. 

I was never provided any communication that going to verify my new bank OZK account was a requirement of opening an account online. The transfer was initiated 2 days after i opened the account online and was 'rejected ' by Bank OZK that same day. This means i would have had to go to an in-person location the very next day to verify my account in order to have possibly prevented the transfer from being rejected. 

I was never notified by Bank OZK that the transfer was rejected. 

I have not yet gotten the initial transfer returned to my outside bank account. I have made multiple phone calls to both banks, and have requested multiple ACH trace numbers to determine the status of the missing funds. 

Bank OZK 's current system for establishing new accounts online does not work. They should not initiate transfers for new accounts if their system then will not accept them.
Product: Credit card or prepaid card

I have a HSBC credit card ( card number : XXXX ) since XX/XX/XXXX and have been using a checking account on the HSBC credit card profile to pay min balance with no problem every month since XX/XX/XXXX. I decided to pay off my credit card before XX/XX/XXXX so I could avoid interest charged on my credit card so I decided to use the exact checking account on file. 

However, it is showing " processing '' for several business days before it shows it is " RETURNED CHECK '' and I was also charged {$25.00} return fee per transaction. In addition, I need to pay interest on the balance because HSBC decided that the payment is " RETURNED '' even though I have used the exact checking account to pay my credit card for almost 2 years. 

I am very upset about what they did and contacted HSBC several times through online chat and over the phone. Online chat told me the payment is being processed no don't worry about it and over the phone, representative told me that they can't waive the interest on the balance. 

I had no choice but submit the complaint.
Product: Credit reporting or other personal consumer reports

I received and reviewed my Chex Systems Consumer Report ID : XXXX and there are still inquiries viewed by others still listed and showing on my Chex Systems Consumer Report that Chex Systems previously informed me and the Consumer Financial Protection Bureau ( CFPB ) that they deleted and removed from my Chex Systems Consumer Report. Review Consumer Financial Protection Bureau Complaint : XXXX. I am a victim of identity theft and have a current police report on file with Chex Systems. The following inquiries viewed by others are fraudulent inquiries and not my inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I talked to them and they said it was for a old account But since I was on the way to work and driving I told them I will call them the next day and this person said " NO you have to call me today " I ended hanging up I was on my way to work and could not hear her I ask my wife to call them and they would not give her the physical address they gave her a po box and did n't want to provide anything alse unless she gave them information about me like birthday and she told them she would not provide any information to someone who will not give her more details about it. I need to know how much and if this is legit.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there inaccurate Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates 15 U.S.Code 1681i ( 5 ) Treatment of inaccurate or unverifiable ( A ) in general if after any reinvestigations under paragraph 1 of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall promptly delete that item of information from the file of the consumer or modify that item of information as appropriate based on the results of the reinvestigation and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer Please remove the following items from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The 3 Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. 3 Credit Bureaus have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Credit card

On or about XX/XX/XXXX I purchased an XXXX  from a company called XXXX XXXX. There were two charges for this purchase, one was for {$330.00} and the other was for {$440.00}. There are 2 disputes one is XXXX and the other XXXX. 
My mechanic attempted to install the XXXX in my vehicle on or about XX/XX/2024. All sorts of warning lights went off in the car. XXXX XXXX was notified and issued a warranty return. On or about XX/XX/XXXX the XXXX  was tested by XXXX XXXX and they said there was nothing wrong with the XXXX In fact they stated that the problem was with the vehicle. The XXXX was returned and it was reinstalled by my mechanic. The vehicle was road tested and would not shift out of first gear and would not exceed a speed of XXXXXXXX XXXX I then called XXXX XXXX and asked for my money back, they refused. On XX/XX/2024 it was decided to order an XXXX  from the XXXX dealer. On XX/XX/2024 XXXX XXXX programmed the new XXXX put it in the car and the car operated perfectly. No warning lights and the car shifted perfectly. Disputes for the charges were filed with Citi in XXXX. They evidently closed out the disputes and reversed the charges on XX/XX/XXXX. After the company in question submitted a very minimal reply. No chance was given to submit any documentation instead they sent out a letter stating I could submit further documentation but only gave me 17 days after the letter to do so. They also duplicated the letter for XXXX but did not create one for dispute XXXX.
Product: Credit card or prepaid card

i was told my citibank secured credit card wold graduate in 12 months when the manger a year ago at the branch convince me to apply that was the main reason i did its now a year and it still didnt graduate
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit reports I noticed an unknown creditor XXXX XXXX XXXX XXXX XXXX XXXXeporting a credit card account that I didn't open. I tried disputing this account online on XX/XX/22 and had unsatisfying results. I am now concerned about identity theft and fraudulent activity so I filled an ftc report with the federal trade commission.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XX/XX/year> Subject : Dispute of Civil Liability for Negligence ( Reference : XXXX XXXX ) I am writing to formally dispute the claim of civil liability for negligence referenced as XXXX XXXX. After careful consideration of the circumstances surrounding this matter, I believe that the claim is unfounded and merits further review. 

Ive disputed XXXX XXXX  several times due to lack of clarification of the company and accuracy of the amount owed. I have not gotten any resolve. 

I would like to point out the following points that highlight my position : XXXX. I have no verified debt with XXXX XXXX XXXX. The amount owed is not accurate Given these circumstances, I respectfully request that you reconsider the claim of negligence. I am willing to discuss this matter further and provide any additional documentation needed to support my position. 

Please respond to this letter as soon as possible, so we can work towards a resolution. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your understanding. 

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

I have been disputing fraud on this credit card account with XXXX XXXX XXXX Bank. They have repeatedly ignored my requests and will not answer my questions. They have been silent on the issue. They have now charged off the balance and it is now negatively affecting my credit scores on all agencies.
Product: Debt collection

There was a settlement agreement with previous debt collector. Need to have debt expunged from my credit file and derogatory account removed.
Product: Credit card

My information was one of many that was part of the Equifax Data Breach
Product: Debt collection

BEEN SEEING THESE FRAUDULENT ACCOUNTS IN MY REPORT, THESE ARE SUCH A STRESSFUL THING FOR ME, THESE ARE CLEARLY NOT MINE.
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 the lagged posting of charges and credits. This issue aligned 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 mt account transactions
Product: Checking or savings account

I signed up for a PNC account in order to receive a promotion for a {$300.00} bonus. I signed up, fulfilled the requirements of the bonus which included a direct deposit requirement. After I had opened the account, I noticed my old XXXX account had been transferred over to PNC due to the acquisition of the bank. I was concerned about this affecting my eligibility for my bonus, so I contacted PNC and they assured me that I was eligible for the bonus, which caused me to keep the account open and continue pursuing the requirements. 

PNC now refuses to honor their promise and I have been unable to contact a representative of their team for XXXX weeks. I have in writing that I met the requirements of the bonus and I am requesting that I be paid the {$300.00} that I am owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of fraud, Due to XXXX XXXX XXXX  making a false claim that a money order of {$220.00} for the rent deposit on an apartment came back insufficient funds. I sent off for the copy of the money order, and the copy showed where the money ordered was stamped and cashed on XX/XX/XXXX of XXXX. My credit report has been affected, due to the balance owed being falsely added to my credit report, even though XXXX XXXX was the primary lease holder for the apartment, and the judge ordered for him to be responsible for the payment of {$1400.00}. I have paid XXXX XXXX XXXX to remove the balance from my credit report, but the balance is still showing on my XXXX report. I disputed the XXXX account and sent in copies of proof and am waiting for a response. I will be contacting an attorney to represent me in this matter.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX my husband and I put solar panels on our house. At that time there were news stories about people having trouble with leasing them. So we purchased ours. We took the loan thru XXXX XXXX and were told they would put a lien on our home. We were told specifically that this would not be a second mortgage, but an installment loan. If I had thought this would be a second mortgage I would have gone thru a mortgage company to obtain the loan. Unfortunately, we were late on this loan less than a year ago when my husband left his job. This was due to XXXX after the loss of our son 2 years prior. We sold our house in XXXX of XXXX and moved home to be near my family in Washington State. We have been staying with a gracious family member while we attempt to obtain a loan for a home. However, we have been told that we can not obtain a loan because the XXXX loan is reporting as having been late within the last year and is considered a second mortgage. I have contacted XXXX a number of times ( 7 ) in order to find out what kind of loan this was. I was told this was an installment loan on more than one occasion and even have an email from them stating so. However, they are telling the credit reporting companies this was a second mortgage and now we are unable to obtain a home loan. IN the least, this is false advertising, or a bait and switch. I can't believe the interest we paid on a loan that I could have had funded by any local bank for half the interest. And in the worst, I was lied to, if I had known they were reporting as a second mortgage, I would have waited a year before uprooting my family and moving across country. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT AUTHORIZE TO HAVE ANY LENDER CHECK MY CREDIT ON XX/XX/2020. THIS IS FRAUD!!! I DID NOT AUTHORIZE A MORTGAGE HARD INQUIRY!!!! I RECEIVED THE FOLLOWING EMAIL ON XX/XX/2020 : " Hi XXXX, We just refreshed your mortgage shopping offers for you based on your profile. As a reminder, you have 14 days to shop around after a mortgage hard inquiry without impacting your score! 

Your Shopping Window A lender checked your credit on XX/XX/2020. 

You have until XX/XX/2020 to check rates without hurting your score.1 icon Your Housing Profile XXXX XXXX Credit Score Range : 660 - 679 ZIP code : XXXX Looking to refinance? 

If you're looking for a new home, we've searched our lender network. This is our top pick from our partners. 



XXXX fixed from XXXX  XXXX  by XXXX  XXXX  Interest Rate 3.375 % APR 3.455 % NMLS ID # XXXX Get my quote Looking for other options? 

If you're looking for other mortgage offers, check out our marketplace! 

Explore marketplace Wasn't you? 

This mortgage inquiry doesn't look familiar to you? We do our best to identify what financial product you applied for to give you advice and recommendations, but sometimes our algorithms can get it wrong. Please log in and review your credit report to make sure everything is good. 

Transactions you don't recognize may be a sign of fraud. If you didn't apply for a mortgage or other loan, you can file a dispute directly with the bureau. 

Cheers, The Credit Karma Team I DID NOT AUTHORIZE TO HAVE ANY LENDER CHECK MY CREDIT ON XX/XX/2020. THIS IS FRAUD!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The victim discovered on XX/XX/XXXX on his Experian report a fraudulent XXXX  XXXX XXXX XXXX account. The account was opened in XX/XX/XXXX, had an outstanding balance, overdue payments, and eventually was charged off in XXXX ; however, this record only showed up for the first time on his Experian report 8 years later in XX/XX/XXXX and on his XXXX report in XX/XX/XXXX. The fraudulent credit line significantly lowered his credit score, and prevented him and his wife from taking out a mortgage to buy a house. Victim has disputed the fraudulent account with XXXX  XXXX XXXX and Experian, which had led to no results after months of efforts. His Experian report also included incorrect addresses and birth date which may or may not be related to the incidence. In addition, he was also a victim of the XXXX data breach back in XXXX, and in XXXX during the COVID 19 pandemic, a victim of another identify theft where someone else attempted to claim unemployment insurance on his behalf, which he reported separately to the authorities. 

Very similarly, on XX/XX/XXXX, the victim 's wife also discovered on her credit report another fraudulent XXXX XXXX XXXX XXXX account. The account was opened in XXXX and has been open since then ; this record only appeared on the report for the first time 7 year later in XXXX. The report also includes several incorrect addresses in XXXX, which she had never been to yet. Fortunately, the account had not been overdrawn yet, but the couple jointly can not take out a mortgage anyway due to the severe negative impact of the husband 's credit score. 

Frustrated by the non-result of XXXX XXXX XXXX and Experian, the victims are now filing a complaint to CFPB and hope that justice will be done to restore their credibility as good citizens.