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

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2023
Product: Checking or savings account

Iam writing to file a complaint with Navy Federal Credit Union regarding multiple over draft fees I have. Despite having sufficient funds when transactions authorized. I was charged fees due to lagged posting of charges and credits. This is the same as what the findings against Navy Federal. I would like an investigation into my account.
Product: Mortgage

Truist Bank took over the servicing of my mortgage during the summer of 2021. They failed to pay my property taxes on time even though it's their responsibility and they require me to maintain an escrow account for this purpose. XXXX XXXX, Georgia assessed a late fee on my property tax account in the amount of {$140.00}. Truist will not provide any details about how or when this amount will be credited back to my escrow account. I am not liable for this late fee yet they paid the late fee from my escrow account. See one of the attached documents showing the late fee assessed by XXXX Co. 

In addition, they claim to have submitted 2 separate tax payments in the amount of {$3200.00} on XXXX XXXX, however, I am only able to see one tax payment for this amount on their website and phone app. I contacted their mortgage and online banking teams three times speaking with " XXXX '' on XXXX XXXX, " XXXX '' on XXXX XXXX, and " XXXX '' on XXXX XXXX. 

None of them would provide details about when my escrow account would be credited back the late fee nor could XXXX or XXXX provide me a copy of the second tax payment supposedly mailed to XXXX XXXX on XXXX XXXX. Neither XXXX or XXXX could correct the web site so I can see the second tax payment on the Truist web site or phone app. See the second attachment showing a screen shot of their broken web site that will not display the second tax payment. 

As the consumer paying for this mortgage, Truist has an obligation to display accurate information about my mortgage account activity. They are not providing me accurate information on their web site nor through their phone app.
Product: Credit card or prepaid card

My chase card was stolen in XXXX of XXXX. They are calling about payment and I do not have the card and haven't had it since XX/XX/2022 so I stopped paying. Fraudulent activity. I explained this and all they cared about was me paying them. This is hurting my credit now. I tried to tell them a year ago when I disputed it through another government site. I have no information about the account and can't access the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit card or prepaid card

This company only excepts payments made by check by your bank or over the phone with a fee. If you mail a check it will always be late at they record the date they received the payment not when it was made. I tried making several over the phone payment and even tried closing my account but they just hang up. So now I have late fees and my account still isnt closed. This card company is committing major fraud.
Product: Payday loan, title loan, or personal loan

I Had an auto loan with Carmax, which was also the company I worked for at the time. I was in a car accident just a few months after I bought the car, and it affected my employment and my car payments. I completely explained my situation to them and made whatever payments possible at that time. This happened a few years ago, and I understand it might seem like a long time for filing this report, but I tried other ways to resolve this and nothing seems to work and I just want my credit corrected. My loan started on XX/XX/XXXX and ended on XX/XX/XXXX. My accident occurred in XX/XX/XXXX, so it first affected my payment in XX/XX/XXXX of that year. I did not get gap coverage, which seems to be the reason why this all might be a problem. I tried to make minimum payments after the accident but I always cam up short, even though Carmax knew they would be getting a large check very soon. I just really want to get these negative occurrences off my record if possible. Thank you
Product: Credit reporting or other personal consumer reports

I've mailed out documents with request of basic dispute along with reinvestigation and for proof of validate of debt. 

Experian, XXXX and XXXX are in non - compliance with my request. I have attached the documents that were mail out of from XX/XX/XXXX - XX/XX/XXXX ) XXXX. 
I have also attached proof of identity. Proof of employment and address along with a notarized identification letter. 

I have contact the credit agency regarding the inaccurate and errors that are on my consumer report. From personal information to accounts with medical and closed account who are NOT associated with me. I have also place a fraud alert on my consumer report till these investigations and items are removed.
Product: Credit reporting or other personal consumer reports

I requested Experian to Verify the total Completeness and Accuracy of the account being mine or remove the account from my credit file, they only Updated the account and kept it on my credit file. Experian isn't following the strict requirements and guidelines required in order to report true and accurate information. Nothing about this account has been VERFIED, as you can view on the attachments provided about my dispute results sent by Experian on XX/XX/year>. Experian understands the laws yet continue to Not Adhere to the Fair Reporting Guidelines, meaning to update this account without Full COMPLETION AND ACCURACY is not just wrong but illegal. The file that I'm attaching will Experian also has a copy of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to remove any items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after the Ive already included this in my previous complaint & I am including it again., XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX : {$110.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Date Updated : XX/XX/2017 ; XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit card

On XX/XX/XXXX, I saw a promotion on Capital One website for Savor card. Two of the features attracted me at the top of page were {$200.00} cash bonus and 0 % interest for 15 months. I read the details of the terms carefully and was confident I was eligible for this promotion. I followed the instruction on the page and clicked Apply Now button to start application and completed successfully. I got approved immediately. I also downloaded and saved the webpage the same day. Attached please find a copy of the webpage. 
After I received my card I spent {$500.00} on purchase to meet the requirement for the {$200.00} bonus. For the 0 % interest offer I setup auto-pay for minimum payment. However, on XX/XX/XXXX I found there was a {$5.00} interest charge posted on my account. I called Capital One immediately and was told the promotion offer I applied for was not attached to my account. 
Trying to find out why the bank did not offer the promotion they advertised, I talked with two representatives on the phone on XX/XX/XXXX and anther one on XX/XX/XXXX. I was given three completely different answers. The first one told me my credit score was not excellent for the promotion. The second one, his supervisor, told me because I had Spark business card when applying for Savor card. The third one told me because there was no promotion for this card. All of the three answers are false. Please refer to attached copy, there is no credit score requirement in the terms on the webpage. The terms do not say having another different credit card would prevent you from getting the promotion on Savor card. The webpage shows clearly there was promotion for this Savor card. The webpage was downloaded the same day when I applied. The downloading time of XX/XX/XXXX XXXX pm is clearly shown at the top left corner of each page. Even the first two representatives admitted there was a promotion for this Savor card.
Product: Debt collection

XXXX XXXX CARD KEPT CALLING, SKIP TRACING AT WORK, HOME AND CELL FAMILY MEMBERS AND SERVICING LAWSUIT TO US. SEVERAL COLLECTIONS AND BLITT & GAINES.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE PROBLEM IM HAVING WITH THIS CREDIT CARD COMPANIES, IS 1- I NEVER HAVE ANY CREDIT OR LOAN WITH XXXX XXXX, AND THEY KEEP REPORTING ON XXXX XXXX AND OTHER BUREAUS THAT IM LATE. 

2- NEVER LATE ON XXXX CREDIT CARD AND WHEN I CALLED THEM THEY SAID THE SYSTEM AUTOMATIC REPORTED THAT IM LATE. 

3-BANK OF AMERICA NEVER LATE ON THIS CREDIT CARD AND THEY KEEP REPORTING THAT IM LATE EVEN AFTER I DISPUTED KEEP APPEARING ON MY CREDIT THAT IM LATE. 

4-XXXX NEVER LATE ON THIS, I DO N'T WHY THEY DO N'T REPORT AS A POSITIVE I PAID ON TIME EVERY MONTH AND ITS IS BEEN SINCE 2016 FIGHTING AND THEY DO N'T FIX IT.
5- ON XXXX XXXX I WAS ONLY ONE TIME LATE, AND THEY REPORT THAT I WAS LATE 5 TIMES, AND I'BE CALLING THEM BUT THEY DO N'T DO ANYTHING ... ... I THINK THIS IS NOT RIGHT ....
HOW CAN I FIX THIS PROBLEM ... ... ..
6-ANOTHER IN COLLECTION, I NEVER OWN ANY MONEY TO THIS COMPANY XXXX XXXX XXXX, AND THEY ARE REPORTING THAT I OWN MONEY, I DO N'T KNOW WHO THEY ARE ... .. PLEASE HELP BECAUSE THIS THINGS ARE KILLING ME ... ..
Product: Credit reporting or other personal consumer reports

Bank of America began calling me in XX/XX/2023 in regards to an account I supposedly had with them. I have never opened any accounts with this bank. I thought I had resolved the issue in XXXX. XX/XX/2023 this account shows up on my credit report and drops my report by XXXX points. I have since been in contact with Bank of America several times, the account has been closed and I am still waiting for documentation to be sent through postal service. They said it will take XXXX business days from XX/XX/XXXX. I have disputed this through the credit agency and am trying to get this removed as it is hurting my credit report tremendously.
Product: Vehicle loan or lease

I sent Santander Consumer USA multiple debt validation request after i received correspondences from them about my vehicle that was already paid for from XXXX. Per the contract that i have it states XXXX and no indication of Santander Consumer USA. they sent me a copy of the same contract after i sent them a debt validation along with a cease and desist and an affidavit of Truth. I have yet to hear anything back from them. Also if they are stating that the contract gives them any security interest. full disclosure was not provided to me, which means that contract is fraud and there for null and void.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and that the disputed inquiries being reported on my Personal Credit File were never authorized neither initiated by my nor anyone I allowed to. By the provisions of the FCRA, I am requesting that the Credit reporting agencies deleted the disputed inquiries completely from my Credit report and stop their erroneous reporting..I request proof of verification bearing my signature to support the Credit Bureaus claims that the dispute inquiries belong under my name. I need the following inquiries deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit card

I saw several charges on my Chase Bank credit card. I wrote the company to validate these debts. Chase did not respond. I wrote another letter. Chase refused to investigate fraud. I contacted the credit bureaus and the account was removed from my credit. Chase Bank reported the invalid debt to the IRS.
Product: Debt collection

This account is reporting on my credit report and it isn't mine nor is it from an address that I live at. The collection agency didn't provide me a contract with my verified signature or verification of my social security number. 've contacted the collection agency and they sent over statements from a fraudulent address that's not mine ( nothing verifiable ) and WILL NOT REMOVE IT FROM MY CREDIT!
Product: Debt collection

XXXX XXXX XXXX-NELSON & KENNARD, XXXX XXXX XXXX XXXX XXXX XXXX SENT A LETTER TRYING TO COLLECT DEBT FOR ABSOLUTE RESOLUTIONS FOR THE AMOUNT OF XXXX ... XXXX XXXX XXXX-I SENT A LETTER ASKING TO VALIDATE THE DEBT ... XXXX XXXX XXXX, NELSON & KENNARD SENT LETTER WITH INTENT TO FILE SUIT WITHOUT EVEN FIRST VALIDATING THE DEBT AS REQUESTED ON XXXX XXXX XXXX.... AS TO TODAY, XXXX XXXX XXXX, IT HAS BEEN MORE THAN 30 DAYS. I STILL HAVE NOT RECEIVED ANY DOCUMENTS VALIDATING THE DEBT SINCE I REQUESTED IT ON XXXX XXXX XXXX. THE DEBT IS UNVERIFIABLE BECAUSE NELSON & KENNARD DID NOT RESPOND WITHIN 30 DAYS. I WANT NELSON & KENNARD TO CEASE ALL REPORTING AND CEASE ALL COLLECTION EFFORTS OF THE DEBT IMMEDIATELY. I WANT NELSON & KENNARD NOT TO FILE SUIT. I ALSO REQUEST TO HAVE THIS DEBT DELETED FROM MY CREDIT REPORT IMMEDIATELY... REFERENCE NUMBER XXXX
Product: Credit reporting or other personal consumer reports

After 6 months of litigation between the bank and the credit report union, I still did not get this personal loan removed from my credit report. The bank even wrote a letter stating that the loan was indeed fraud. They let me know they would have deleted it from my account but no action has been taken. I keep disputing the loan and I get as it is " accurate. '' The loan was never taken on my end and it is very frustrating the fact that my score got dropped XXXX points due to a fraud and still credit union has not done anything about it.
Product: Checking or savings account

I was approved and opened a new checking account from Gateway First Bank on XX/XX/23. There is a promotion for {$250.00} for the checking account once you meet certain requirements. While trying to complete the process to meet the bonus requirements I first successfully transferred {$270.00} to open the account and the amount posted to my Gateway First Bank Checking account. 

On XX/XX/23 I checked my account on the app and online and saw that my account was no longer there and there was not notification or message from the bank of what happened. 

This bank approved me to open the account with a {$250.00} bonus attached and then closed my account with no notification and received all my personal information and still have my initial deposit of {$270.00} not stating what will happen to that. They misled me to open the account because of the bonus and approved it but then closed it after taking my information and deposit with no notification.
Product: Credit card

On XXXX XXXX, I placed an order at Walmart.com using my fairly new Walmart credit card, issued by GE Money Bank. Weeks later, the order had not been processed, so when I inquired, a rep said the order was n't processed, and I 'd be issued a refund. I never got any confirmation, and after several more communications during which I was assured the incident would be " escalated, '' no further communication has taken place on the part of Walmart, and no refund has been issued. The charge continues to accrue interest on my account, and I have received no products, after nearly a month. The lack of communication and ability to process orders and refunds on Walmart 's part is appalling. The incident number is XXXX. Please advise on how to proceed before my credit becomes damaged my their ineptitude. Also, please note that Walmart has never once issued me any statement -- electronic or otherwise -- even after I asked in person on the phone for PAPER billing. Not a word. It appears that Walmart is neglecting to bill people, hoping that they forget to pay their bills, in order to rack up late fees and interest. That is inexcusable. Thank you greatly.
Product: Consumer Loan

TD Auto Finance - Tried to pay off auto loan online - even though I received confirmation, the payoff would not go through. Then called to payoff by phone, but could not process due to automatic payments.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes and to request reimbursement for the reported transactions related to recent discrepancies I encountered. 

Over the course of my use of Zelle, I have encountered multiple discrepancies and promptly reported these issues to both Zelle and my financial institution. Despite my efforts to seek resolution, l was informed by both parties that recovering my lost funds was impossible and that tracking the transactions was unfeasible. This response is deeply concerning, especially in light of the CFPB 's findings, which indicate that Zelle has failed to protect consumers adequately and allowed repeat offenders to exploit the system.
Product: Debt collection

A charge-off is an accounting term that businesses use to reflect a loss in their tax records. Wells Fargo Auto Dealer Services issued me a 1099-C to report this debt as taxable income to the IRS. However, the reporting from Wells Fargo Dealer Services is incorrect, as it does not represent a charge-off. Instead, it is classified as income, and this taxable income should not appear on my credit report as a charge-off. Therefore, it should not be reported in that manner.
Product: Mortgage

I started my mortgage process with Chase Bank in early XXXX of XXXX. The first problem was how long it took them to process the application and get it through underwriting. I kept asking my original loan officer, XXXX XXXX, what was taking so long, and she just kept asking me for more and more documents. Finally, on XX/XX/XXXX or XXXX ( I don't remember which ) of XXXX I was told that the refinancing mortgage had been approved by underwriting and they scheduled the closing for XXXX XXXX on XX/XX/XXXX at XXXX XXXX in XXXX, TX. I was told that because I was refinancing a rental house, I had to go in person to Texas to sign the documents ( one of many things that were false I have since found out ). I live in Illinois at this time, even though my rental property is in Texas. 

I booked my flight, rented a car, and arranged for a house sitter. Chase sent me a final closing disclosure document on XX/XX/XXXX. I was literally on the way to the airport on XX/XX/XXXX when I received a call from the title company that they had not received closing documents from Chase. I tried to call both of the two people ( XXXX XXXX or XXXX XXXX ) that I had been working with at Chase and was unable to reach either of them. I emailed them and got no response. After about XXXX an hour ( and now almost at the airport ) and many phone calls attempting to reach someone, I got a call back from a woman who was covering for XXXX XXXX, who knew nothing but was checking into it after having read my email. Eventually she called me back and said that no, Chase was not going to close on my loan that Saturday. She did NOT tell me that it was not going to close at all at that time. 

Later that day ( now after 5 and after I had cancelled my flight ) she called me and told me that Chase was not going to be able to close on the loan at all. I was never given a reason why and now that six months have passed since I started this process, interest rates have gone up. I find it grievously wrong that they took six months to process the application, and then didn't even have the courtesy to call me themselves to tell me that the loan was not going through. I had to hear it from the title company! I still haven't heard from either of the two people that I was dealing with ( XXXX XXXX or XXXX XXXX XXXX directly. 

I have lost both money and time due to Chase 's incompetence and poor handling of this matter. I should have had either a new mortgage or a decision that it wouldn't be possible within 60 days of my initial application. I will tell everyone I know to NEVER use Chase for a mortgage unless they want to lose time and money.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions