23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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, has violated my rights. 

I have already disputed these accounts with the bureaus, but they did not remove them, nor prove validation. 

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
Product: Checking or savings account

I am writing to file 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 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 : Account Number : XXXX Account Name : XXXX 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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 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 reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provide, causing ongoing harm to my credit standing. 
I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act and XXXX Account # 1. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX  Account Number : XXXX 2. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX  Account Number : XXXX 3. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX  Account Number : XXXX 4. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX  Account Number : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX XXXX XXXX Account Number : XXXX 6. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX Account Number : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX Account Number : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX  Account Number : XXXX 10. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX Account Number : XXXX XXXX. XXXX XXXX 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX Account Number : XXXX ALL 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I AM VICTIM OF FRAUD.MY CREDIT HAS BEEN STOLEN FROM ME, MY ENTIRE LIFE. IT WASNT UNTIL I GOTTEN OLDER, THAT I START TO UNDERSTAND ABOUT THE RESPONSIBILITY ABOUT CREDIT AND I STILL HAVE NO BIG CLUES.I WANT THE FRAUDULENT ITEMS TO BE REMOVE AND TO KNOW WHO OPEN THESE ACCOUNTS UP AT WHAT LOCATION OR IP ADDRESSES.I AM ALSO REQUESTING MOST OF ALL, THAT THE FRAUDULENT ACCOUNTS AND FRAUD ITEMS BE REMOVE FROM MY CREDIT REPORT, ASAP, ACCORDING TO THE FAIR CREDIT REPORTING ACT SUCSECTION 605B, ANYTHING THAT I BELIEVE WAS POSSIBLY FRAUD MUST BE REMOVE, IF I REQUEST IT. I DONT BELIEVE, I KNOW 100 % A FACT. PLEASE MAKE THESE CREDIT BUREAUS REMOVE THESE ACCOUNTS. TRANSUNION NEVER EVEN DID A BLOCK, THEY INSTEAD BLOCK A SINGLE INQUIRY. I HAVE ABOUT 4 ACCOUNTS THAT IS FRAUDULENT AND SOMEONE IS USING ONE OF THE ACCOUNTS AS WE SPEAK, THATS A XXXX XXXX XXXX XXXX.ALSO IF THEY VERIFIED THESE ACCOUNTS BEFORE THEY EVEN REMOVE THESE ACCOUNT UNDER THE FCRA 605B, THEN I WILL WANT THEM TO EXPLAIN WHAT LAW AND CASELAW PROVIDES THEM TO DO THAT.
Product: Credit reporting or other personal consumer reports

Wells Fargo account opened XX/XX/XXXX for credit limit {$4800.00} charge off XX/XX/XXXX {$5600.00} Would like this account removed from my credit report as soon as possible. If not please send me proof of this account.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE To whom it may concern Im writing to formally dispute the alleged debt referenced by your office and to notify you of violations within the fdcpa related to your collection activities. This notice also serves as a pre arbitration notice referencing the arbitration clause contained in the original agreement with the alleged original creditor. 
Experian the credit bureau has engaged in practices violating several provisions under the fdcpa Experian will not removed the said accounts upon me notifying them along with an ftc report sent to them by the consumer financial protection bureau Experian, XXXXXXXX XXXX XXXX has caused undo distress The inconsistencys violates the accuracy requirements of 15 usc sec 1681e ( b ) which obligates credit reporting agencies to maintain accurate XXXX up to date records In pursuant to 15 USC 1692.K It is $ XXXX violation in pursuant to the fdcpa failure to validate the debt you have not provided proper validation of the debt as required by the fdcpa in pursuant to 15USC 1692G false or misleading representation in pursuant to 15USC 1692E your actions have included false claims about the nature and the status of the alleged debt should this matter proceed to arbitration the cost wil be substantial based on the consumer arbitration fee schedule from XXXX the breakdown of the cost to your firm will incur includes but not limited to the filing fee which can be anywhere from XXXX to XXXXXXXX XXXX filing fee masss arbitrator can range from XXXX to XXXX per case case management fee XXXX for a single arbitrator or XXXX for XXXX arbitrators arbitrator compensation XXXX for a XXXX documentation only arbitration or XXXX in a persons hearing the hearing fee XXXX in addition to room rental fees if required these expenses combined with a potential additional legal fees will amount to tens of thousands of dollars far exceeding the alleged debt values furthermore if arbitration is initiated all cost as outlined by the XXXX website will fall upon your firm
Product: Bank account or service

I disputed wrongfull charges with the Chase dispute department. I was told by the Chase representative at that department all calls are monitored and recorded. I was told the items I am disputing occured more than 90 days ago. But, due to my military service, they can be disputed if they had occurred within one year. Therefore they qualify to be disputable charges. I was told I would recover all fees that were originally assessed to me and provisional credit for the disputed items would be credited to my checking account. Addionally I was thanked for my service and was told the fees would be credited back to me as a curtesy. Some were manually credited back to me from customer service and some were done systematically by the customer claims department. 
After, I received notification that the items were not disputable and all fees that were credited back to me as a curtesy would be taken back. Chase made no contact with the merchants to validate the charges were indeed done in error. Next all fees that were credited back to me as a CURTESY and imputed manually by the Chase customer service department and systematically were charged back creating my account to become severely negative. 
How is claims department changing policies? If you are crediting back fees as a curtesy then how can Chase take back what they had promised on a recorded phone call? 
Soon, the she
Product: Payday loan, title loan, or personal loan

They repossessed my suv this morning and it 's paid off.
Product: Money transfer, virtual currency, or money service

COMPLAINTS ABOUT XXXX XXXX AKA AMERIS BANK SUBJECT : {$30000.00} NEVER REACHED THE RECIPIENT who was the client of XXXX XXXX  yet money WAS NEVER RETURNED TO ME- SENDING ACCOUNT : XXXX XXXX XXXX in XXXX XXXX sent a wire to XXXX XXXX XXXX ( ABA XXXX ) for account number XXXX in the name of XXXX XXXX XXXX XXXX- it seems like AMERICAN BANKING COMPANY suspects their own client and refused to give them the money. They telexed XXXX, but XXXX NEVER ANSWERED and I never got a call from XXXX notifying me of any problem with the wire from the receiving bank XXXX CLIENT sent me a copy of his account activities for the whole month of XXXX ( enclosed ) to tell me that the money was never received. Immediately I went to XXXX to request for a recall of this wire. CASE NUMBER XXXX XXXX. Employee name is XXXX who promised to follow up on this and will call me between 9-6 within the week. 
XXXX called XXXX to follow up on the recall. I spoke to a supervisor named XXXX in the wire department. She said she has not heard from Ameris, but will accelerate it. 
XXXX called XXXX WIRE again. This time it is XXXX who was the supervisor. he still has not heard from AMERISXX/XX/XXXX-SOMEONE from XXXX actually called me to tell me that AMERIS has not answered yet. 
XXXX I called XXXX again. They said that they have sent 18 messages to AMERIS but they never got an answer. WHY IS AMERIS HOLDING MY MONEY? AND NOT RETURNING TELEXES OR COMMUNICATIONS TO CITIBANK. THIS BANK NEEDS TO BE INVESTIGATED THOROUGHLY NOTE : I am not a client of XXXX XXXX  but i have the account number where the wire was supposed to go to
Product: Debt collection

A company on my credit report named Portfolio Recovery is not mine. Per XXXX the original creditor is XXXX XXXXXXXX XXXX. Then it also shows XXXXXXXX XXXX with XXXX  year date. 

From its name, I am assuming it's an apartment complex. I'm in my XXXX 's and have owned and lived in a house since XXXX I have never used XXXX XXXX XXXX 

Portfolio Recovery has been calling my personal and work number the past 3 months on a weekly, daily, and sometimes multiple times per day. They would call from as early as XXXX and as late as XXXX.
Product: Checking or savings account

I opened a Savings & Checking account with SunTrust bank on-line on XX/XX/2020. By ACH transfer, I deposited {$500.00} to the Checking Account to exceed the minimum balance necessary to avoid fees. I made another ACH transfer to Checking subsequently which remains in transit. 

At some point, on, before or after XX/XX/2020, SunTrust bank restricted my on-line access to the account. 

In speaking to a customer-service representative on XX/XX/2020, and later to a supervisor, I was informed that SunTrust bank closed my account for " general reasons. '' Upon my request for a specific reason, no answer was forthcoming. 

Upon requesting the return of my funds, I was informed by the SunTrust supervisor that he is unable to give me any estimate of when the return of my funds would occur.
Product: Student loan

My private loan company has been hounding me for payment after I have explained to them that I am currently unemployed and now not receiving unemployment. They will not work with me to defer the loans while I am unemployed and now are threatening to sue. They are forcing me to ask others for money which is impossible since my parents are both XXXX and living off the system. When I 've spoken to Navient, their representatives are rude and have an attitude and will not work with me. When I first called them back in XXXX when my loans payments were going to rise 80 %, I was informed by a representative that there was nothing they could do to help me until I had income coming in. I have been harassed for the last month and when I have spoken to them have been treated so poorly I was brought to tears. They have sent letters saying they want to work with me but when I call them I get nowhere.
Product: Consumer Loan

BMW Financial Services continues to report my account information inaccurately. They have fixed some issues which I appreciate, however, my account XXXX became delinquent in XXXX 2009, I made payments afterwards but it was never brought current. Therefore the date of first delinquency is XXXX 2009, they show XXXX 2009, XXXX 2009, and XXXX 2009 as current. This is in accurate, they were still at least 30days past due and therefore not current. Please update XXXX 2009 as date of XXXX delinquency, and XXXX, XXXX, XXXX of 2009 as 30 days past due. Thank You
Product: Credit card or prepaid card

CapitalOne continues to send credit card eligible to apply and pre approved cards after I have called and asked them to stop
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my XXXX  report that they have deleted from my account the negative collection report from XXXX XXXX XXXX. They keep reporting it every month. I have disputed with all three credit companies and I can not get XXXX  and Experian to follow suit. If you look at my credit report there is no derogatory information except this company who insists on calling me, emailing me, threatening me with lawsuits, sending letters and even calling my job on a couple of occasions
Product: Checking or savings account

I opened my saving account in Citizens Bank during promotion offer period back on XXXX this year. The offer clearly states that a {$500.00} new account bonus will be paid on XX/XX/XXXX once certain requirements are met. I have been contacted citizens reps via online chat and phone several times in the past XXXX weeks and each time I was told the market research team from citizens would review my case ASAP and get a resolution back to me. Now, it has been XXXX weeks so far since the bonus paid date and I still got no response from their market research team. Every time I contacted with citizens reps, I did provided with a case number " XXXX '' which created by a citizen rep on XX/XX/XXXX, I was always told that the market research team still did not have a chance to review my case. I have tried my best to solve this issue with citizens, but unfortunately the market research team is certainly not doing their job. I was promised by several customer reps that my case will be solved within XXXX business hours and now it has been XXXX weeks without any resolution.
Product: Mortgage

Impossible to get a hold of anyone in servicing center. 

Unable to do password reset of my online account. 

Nobody answers phone numbers : XXXX XXXX XXXX XXXX website is worthless : XXXX XXXX
Product: Checking or savings account

I have a checking and savings account with SunTrust Bank ( now Truist, but all online banking done under the SunTrust name ). 

On XX/XX/XXXX, I logged in to my SunTrust application on my phone to review my checking account. I noticed a {$300.00} transfer on that date via a XXXX payment to an individual with a name I did not recognize. I have never used XXXX for payments before, and I never authorized the XXXX payment tool access to my account, it seems SunTrust has integrated it into their online banking but I've never used it. This {$300.00} transaction was the first XXXX transfer from my Checking account. 

I immediately reviewed my savings account as well and noticed over {$4000.00} in XXXX transactions that I had not authorized dating back to XX/XX/XXXX, in amounts varying from {$50.00} up to {$300.00}. I immediately called SunTrust and reported the account takeover as a fraud claim on XX/XX/XXXX. They opened 2 claims, one for my checking account, and one for my savings account, and recommended that I change my online banking user ID and password. I was told I would hear back within 10 business days with a determination on my fraud claim.

I waited 11 business days and called again, and at that time was told that my claims had both been denied due to " inconsistent information ''. I've since reviewed their guidelines on fraud reporting and have confirmed I reported the claims timely ( 54 business days after the first savings account statement showing the fraud was sent to me, inside their 60 day rule ), and therefore I have no idea why the claims would have been denied. I was told on the phone it appeared my user ID was compromised, I could see in my account that my email address on file had been changed by someone else to an email I did not recognize, and this had been used to authorize the XXXX transactions. 

I was also told on the phone that I would receive a letter with the determination and rebuttal options within 2 business days in the mail. This call was on XX/XX/XXXX, and to date I have not received any documentation from SunTrust. I went to a branch location on XX/XX/XXXX, and was told by a rep that they have seen many instances of similar fraud using the XXXX app across many of their client 's accounts, and that they would email me the rebuttal documentation I'd need to get the claims re-reviewed within 24 hours, but to date on XX/XX/XXXX I have still not received anything from SunTrust regarding these claims and their denial, with no information on the investigation process or how to have it re-reviewed. 

It is quite clear that this was a classic account takeover, and per federal guidelines SunTrust should be obligated to reimburse me for the stolen money, but they've failed to do so and have failed to even provide me with any documentation regarding these claims at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

have been contacting experian to correct fraudelent accounts that i have a police report on and they have yet to remove those accounts from my credit report.
Product: Debt collection

Calls Calaiming I owe XXXX XXXX Which i do not When I ask for Proof of debit they tell me my Credit Report is Proof enough
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the following accounts be verified or removed immediately. 
1. The inquiry was not authorized XXXX  Date of inquiry : XXXX  Delete this account. 
2. there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 
3. there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 US-CODE 16921 XXXX XXXX DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 
10. 15 US-CODE 16921 XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
11. 15 US-CODE 16921 XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
12. The following status is incorrect and incomplete XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
13. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
14. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
15. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
16. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Subject : XXXX XXXX and XXXX XXXX XXXX, XXXX Violation of FDCPA and FCRA XXXX sold a debt to XXXX XXXX XXXX, XXXX. XXXX XXXX changed the account number and used XXXX 's name to report the debt to the XXXX credit bureaus. I paid off the balance in XXXX, and the balance should be XXXX ( see attachment ). 

I made multiple phone complaints to XXXX XXXX, XXXX about their deceptive practices and harassment in debt collection. I also filed multiple complaints with the XXXX credit bureaus against XXXX XXXX : XXXX XXXX XXXX, XXXX ( account number : XXXX ) engaged in identity theft, violating the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). XXXX XXXX XXXX, XXXX wrote a letter requesting XXXX XXXX to delete this account ( see attachment ). 

In XXXX and XXXX, my loan officer and I contacted four departments of XXXX  XXXX. They couldn't locate the account XXXX using my phone number and social security number and directed us to file complaints with the credit bureaus to delete the account. The result was that XXXX changed my account number from XXXX to XXXX and altered the balance to {$2000.00}. They only closed the account without deleting it, which has continuously affected my credit score and credit utilization rate, reaching 137 %. This has completely hindered my ability to refinance my home loan since XXXX. On XX/XX/XXXX, I called XXXX XXXX again to complain and was told to call a fraudulent number ( XXXX ), which turned out to be an advertisement number. 

I filed a complaint with CFPB and reported to FTC, requesting XXXX XXXX to immediately delete the account from the XXXX credit bureaus.