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

Dear Sir or Madam, I am writing to file a formal complaint against Navy Federal Credit Union ( NFCU ) regarding their failure to adhere to an agreed-upon payment arrangement on my account and their unauthorized charge for the full outstanding balance. 

On XX/XX/year> I entered into a payment arrangement with NFCU for my account XXXX and XXXX where we mutually agreed that I would make a biweekly payments of {$100.00} to settle the outstanding balance. However, on XX/XX/year> NFCU charged my account for the entire remaining balance which is XXXX without my consent and in direct violation of our agreement. 

This action has caused me financial hardship and is an unjustified breach of the terms that we had established. Despite my attempts to resolve this matter directly with NFCU, they have failed to rectify the situation or provide a satisfactory explanation for their actions. 

I am requesting that the CFPB assist in investigating this issue and ensure that Navy Federal Credit Union : Immediately reverses the unauthorized charge for the full balance. 
Restores the agreed-upon payment arrangement and confirms this in writing. 
Provides a clear explanation of why the charge was applied without my consent. 
Please find attached any relevant documentation, including the original payment arrangement, communications with NFCU, and the account statements showing the unauthorized charge. 

I trust that the CFPB will assist me in resolving this matter promptly. If further information or documentation is required, please do not hesitate to contact me. 

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

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2019, i purchased 5 tickets to an XXXX XXXX Soccer game on XX/XX/2019 for {$87.00}. Once the purchase was completed, the tickets received electronically were different than the seats that i purchased. I contacted XXXX and they refused to correct their mistake without additional fees. I disputed the charge with the credit card company and XXXX immediately voided the tickets and cancelled the order, about a week before the event, without issuing a refund. Synchrony bank says i must return the tickets i do not possess. I have explained this to them twice as well as sent them the required documentation and proof which they seem to conveniently " lose ''. They refuse to let me speak to someone who can handle the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received pre-qual for mortgage loan. Mortgage lender used Equifax & XXXX for credit. The next day I received > 25 unsolicited phone calls from other lenders wanting to know what sort of loan i was looking for.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my XXXX, XXXX and Experian credit report, and I noticed some late payments posted on my credit report Account Name : XXXX  XXXX Account Number : XXXX Inaccurate payment history : XX/XX/year> On XX/XX/XXXX XXXX reported my XXXX  XXXX account as 120 days late, as well as XXXX. I noticed that on Experian my credit report had a 150 day late payment date. As well as XXXX and XXXX not reporting anything at all. 

According To The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 


Their company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates Did not give written instructions to furnish this late payment on my credit report.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC {$1600.00} ( 2 ) ( a ) ( ) Exclusions from a consumer credit report clearly states : ( a ) EXC
LUSIONS.-

Except as provided in paragraph ( 3 ), the term " consumer report '' does not Include. ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and t he person making the report : and the person making the report ; I Want you to reverse this payment on my consumer report, to on time paid as agreed this agency is in violation of 15 USC S1681. 

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1 ) Defamation of Character ( per se ) 2 ) Negligent Enablement of Identity Fraud XXXX XXXX ) Fair Debt Collections Practices Act 15 USC $ XXXX violations 4 ) Fair Credit Reporting Act 15USC s1681 violations for willful noncompliance - {$610.00}. Civil liability for willful noncompliance XXXX. Civil liability for willful noncompliance [ 15 U.S.C. 168 in ]
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a letter XX/XX/2021 more than 30days ago. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my consumer report.

This is also in violation of 15 U.S.C. 1692b. Which states that a consumer report from any reporting agency can only be furnished in accordance of the written consent of the consumer it relates to.
Product: Credit reporting or other personal consumer reports

XXXX hotels in XXXX illegally took off almost {$10000.00} off my credit card without my approval. I contacted Chase Bank Fraud division / overseas and told them I did not agree to any of the junk fees, aka {$1200.00} for housekeeping, overcharged approx {$100.00} a week, and more. I told them I had all the proof I never approved them to take off any of it from my credit card. The overseas call center fraud division sounded like he was from XXXX, he thought it was funny, and wouldn't take my evidence. The Hotels are known for stealing money from guests card. They have guests, like me, sign-in on a computer so they have your / guests signature then they can attach any fake invoice to the signature and charge. 
Chase Bank refused to reimburse me and told me I had to pay all of it + fees and interest. 
I'd never been late w/ any payments to my credit card and my credit score was XXXX or more. Chase Bank kept charging false fees and interest on the money the hotels stole. Chase Bank kept telling me I had to pay all of it or they do a " charge out '' ... I told them I would not pay for what I never approved, it was stolen off my card. 
Last week I went into Chase Bank and asked for a copy of my statements, since I had closed out my Chase Bank account when they kept harassing me. 
Come to find out the hotels refunded most of the false fees and CHASE BANK NEVER TOLD ME AND IS STILL CHARGING ME OVER APPROX {$9000.00} and still adding fees and interest on money that was stolen then refunded onto my acct. 
I've asked CHASE BANK to reimburse me the {$10000.00} that's it cost and to correct my credit score that they ruined, or I will file a lawsuit. I've tried calling JPMORGAN Corporate office... .it to is an overseas call center in the XXXX  and they had no idea what I was talking about. 
I've gone into Chase Bank to see if they could help me... they were nice but said " Corporate has to do it. ''?? 
I'd like the {$10000.00} reimbursed to me asap and my credit score back to the XXXX it was before Chase Bank ruined it. 
CHASE BANK IS KNOWN FOR DOING THIS TO THEIR CUSTOMERS. XXXX XXXX HAD A STORY ABOUT CHASE ALWAYS SCAMMING THEIR CUSTOMERS AND NOT REIMBURSING THEM AND CHARGING THE CUSTOMER EVEN MORE.
Product: Credit reporting or other personal consumer reports

I did not authorize any of these creditors to obtain my consumer report. I never released any of my information for these creditors to also obtain my consumer report. I requested information from the consumer reporting agency but they did not provide me with any information regarding this matter.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report. These accounts were added as a result of a data breach, and I am a victim of identity theft. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I ask that these accounts and inquiries be removed promptly. 
Fraudulent Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the fair credit reporting act to conduct a responsible reinvestigation of disputed information on my credit reporting act, leaving inaccurate or unverified accounts unresolved. The CFPB, ( Consumer Financial Protection Bureau ) has recently filed a lawsuit alleging systematic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience. Experian has neither corrected nor removed disputed items despite the evidence I have provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove disputed items and/or amend disputed accounts as Experians in action violates federal law and my rights as a consumer
Product: Credit reporting or other personal consumer reports

To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I don't believe the information to be accurate. 1 Please remove the following inaccurate address from my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX You did not con XXXX XXXXXXXX XXXX XXXX XXXXXXXX According to the FCRA, accounts that have been disputed by the consumer must be notated as such. Your failure to investigate this account, and notate it as such, is a violation of the Fair Credit Reporting Act. Please remove immediately.

15 U.S.C. 1681 is a section of the Fair Credit Reporting Act ( FCRA ) that establishes the purpose and congressional findings of the act. The FCRA governs how consumer credit reports are accessed, and it aims to protect the accuracy, fairness, and privacy of personal information
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 Name : XXXX Account Name : XXXX Account Name : XXXX and list of Inquiries. 

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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX has violated my rights. 

The Credit Bureaus are reporting false and inaccurate information on my report. I have provided proof from the creditor that I do not have any late payments reporting in the months of XXXX and XXXX of 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 an 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 purpose.
Product: Credit reporting or other personal consumer reports

Inquires that were not mine. 

XXXX XXXX  Date of request XX/XX/2023 XXXX Date of request XX/XX/2023 XXXX XXXX XXXX XXXX Date of request XX/XX/2023
Product: Credit reporting or other personal consumer reports

I am writing to formally address the presence of fraudulent items on my credit report and to express my dissatisfaction with the lack of resolution despite multiple attempts to rectify this issue. The inclusion of these fraudulent entries has had a significantly negative impact on my financial standing and has compromised my ability to access credit. 

In response to the discovery of these fraudulent items, I have diligently followed the prescribed procedures outlined by your agency to have them removed. I have submitted formal disputes, provided supporting documentation, and cooperated fully with your investigation process. However, despite my persistent efforts, the fraudulent items remain unresolved on my credit report. 

The continued presence of these fraudulent items not only undermines the accuracy and integrity of my credit profile but also jeopardizes my financial well-being and future credit opportunities. As a responsible consumer, I find it unacceptable to be unfairly penalized for fraudulent activities that I did not initiate or authorize. 

Furthermore, the lack of progress and communication regarding the status of my dispute has further exacerbated my frustration and eroded my trust in your agency. I have not received any updates or explanations regarding the reasons for the delay in resolving this matter, leaving me feeling disregarded and powerless in protecting my financial interests. 

I demand immediate action to investigate and rectify this situation by removing the fraudulent items from my credit report without further delay. Additionally, I expect transparent communication and regular updates regarding the steps being taken to address this matter. 

I trust that you will take this matter seriously and prioritize its resolution to avoid any further escalation. Please acknowledge receipt of this complaint and provide assurance that immediate action will be taken to address my concerns. With this, I am asking for your assisstance to remove these fraud items in my credit file : 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$850000.00} and XXXX XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$560000.00}. Please update.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN THE ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT EVERYTHING HAS TO BE 100 % THE CREDIT BUREAUS STATED MY ACOUNT WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE NOT ACCURATE .THIS GROUND FOR REMOVAL THEY ALSO 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 AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS XXXX XXXX XXXX XXXX date opened XX/XX/2020 original creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, paid
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$140000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored in regards to my disputes. Section 611 ( a ) states plainly that a failure to investigate these items within 30 days gives a to immediately remove those items from my credit report. It has been past this time frame so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress I am being caused. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Money transfer, virtual currency, or money service

sent money with zelle, didnt provide me with accurate account info with who im sending money to.
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX subject to subsection XXXX XXXX XXXX  and except as provided in subsection XXXX XXXX XXXX If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXXday period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year>
Product: Student loan

I was served a letter stating my wages at my job will be garnished in order to pay back a student loan to CITI Bank. I never took out a student loan with Citi Bank ever. I did have a federal student loan but i paid that back in full in 2010.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measure to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I see appropriate redress for these violations.