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

Since XXXX of XXXX, I've tried to access my Navy Federal Credit Union accounts and receive an error message each time saying my login is incorrect - doesn't recognize the user ID or password. Each time, I've had to call NFCU to get them to fix the problem. They'll usually reset my password and user ID credentials and the solution works for about a week, then it is back to the same problem. My complaint has been elevated to their Tier II service to no avail. They state they are aware of the problem but seem to be doing nothing to fix it. It is now XX/XX/XXXX and I'm still having difficulty accessing my account. The customer service rep states that I have full access to my accounts if I'll only visit a branch. The closest branch is XXXX hours away so not convenient. When I'm on the phone with NFCU, it usually takes several hours on the phone to get a person and resolve the problem, only to realize it is a temporary solution not a permanent fix. I've tried their mobile app as well as using my normal desktop access - each to no avail ; I get the same error message each time. When we set up our trust with NFCU, they obliterated my savings account that I'd had since XXXX and sent the balance somewhere else. Took 2 years to track that down, but they still couldn't really " find '' the money. Everything done was haphazard. The customer service reps, while understanding, don't seem to care. This isn't their money. I am a shareholder in this company, so that means employees answer to me. This isn't a commercial bank. This is a credit union owned by the membership. If they are aware that there is a problem with their software update in XX/XX/XXXX, why haven't they fixed it? Why wasn't there a backup of their old system in case of issues just like this? Why didn't they fully test their new update on a separate LAN/WAN before rolling it out nationwide to ensure no bugs were in the system? That's called configuration control and NFCU apparently has none. As a former IT manager in the Federal government, this is the worst software upgrade I've ever seen and totally mismanaged. I am tired of not being able to access my accounts and having to waste countless hours for a temporary fix that only lasts about a week. Totally unsat.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, a letter I sent to Well Fargo Office of The President was received at their office. In the letter, I requested pertinent information pertaining to an account Wells Fargo is Inaccurately reporting on my credit Report. In the letter I specifically wrote " ... you are hereby notified that at no point in time and under no circumstances is your company ; an employee of your company ; a representative for your company or affiliates are to contact me or any family members by any means other than the US mail system. '' The purpose of the letter was to dispute an account that is inaccurately reporting on all three credit reports. 

On XX/XX/2018, I received a voicemail on my phone from XXXX XXXX, DS Executive Resolution Specialist from Wells Fargo Auto. She called me from ( XXXX ) XXXX extension XXXX. Her call was unacceptable and violated my rights under the Fair Debt Collections Practice Act. This call left me feeling confused and she disregarded my personal request written in the dispute letter received by her office on XX/XX/XXXX. The documents that she sent as proof does not match my legal and correct name and violates the UCC 9-506 ( b ). EFFECT OF ERRORS OR OMISSIONS. I demand that this account be deleted immediately off of all three credit reporting agencies.
Product: Credit card or prepaid card

My name is XXXX XXXX and I am having issues with my Advant credit card. I contacted them to set up a payment plan and let them know I can only afford XXXX a month right now. Their answer was first month XXXX, next month XXXX, next month XXXX. This is way more than I can afford so I am making the XXXX payment every month. The problem is they are charging late fees and interest totalling XXXX a month and it goes higher every month because of the interest. I really want to work with them and catch this card up. This is the only company out of the 11 we have called that is not working with us. Any help with this would be amazing. 

Avant Balance : XXXX Minimum due:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I found a couples inquires on my report that I do not recognize. I have called and sent a letter to Equifax about this matter but nothing has been done. The Equifax agent I spoke to, told me to call each company and ask them for permissible purpose! Are you kidding me? it is your job Equifax, to verify that those companies have my permission and my consent before checking my credit! I am not doing your job for you! There is a fraud alert on my 3 credit reports because of irregularities like that. I did not authorize those inquiries, I do not know those companies and I do not do business with them. Show me a proof ( my signature or oral consent ) that I have authorized those inquiries or remove them immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

I applied for a mortgage through Citizens Bank and in the last week ( XX/XX/2022 ) before closing the an employee ( XXXX XXXX XXXX said there was a " hiccup '' with the loan. I lost my temper because this was the second time that an XXXX hour request for documents that threatened to jeopardize the deal had been made. I threatened to take legal action against Citizens if they cancelled the loan, as well as file a CFPB complaint. Communication between myself and the loan officer broke down at that point and a manger told me that the file had been referred to " customer care '' for " escalation. '' I was further informed that my communications triggered the transfer of the file and that there was nothing that could be done. It is also worth noting that I have been approved for a grant through the City of XXXX to cover closing costs. Documents have been submitted to the city of XXXX that establish that I had been approved for a mortgage through Citizens. Because Citizens did not transmit documents associated with the closing of the sale to the city two days before closing ( XX/XX/2022 ), so that the closing costs grant could be disbursed, my loan has not been properly processed. I can only guess about what has caused the " hiccup '', and my best guess is that a student loan appeared on my credit report during the final stages of the closing process. Nonetheless, I have relied on Citizens to enter into a contract to purchase XXXX XXXX XXXX, XXXXXXXX XXXX XXXX and now that contract is now broken as a result of Citizens inaction. Citizens has demonstrated an unwillingness to even make me aware of what information they need to grant final approval for the loan. I have made repeated attempts to get them what they want to close on the loan. They have not responded to my requests.
Product: Money transfer, virtual currency, or money service

My Checking Account was involved in fraudulent activities which included wire transfers to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I reported this to the bank and was unsuccessful in getting a solution.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I file a dispute with both Equifax and XXXX credit agency to have XXXX XXXX XXXX removed from my credit reports. I no longer owe a debt to this lender, and the balance is showing as a {$0.00} balance and closed account on both reports. I reached out to XXXX XXXX XXXX and requested for them to report to be removed from my account but was instructed to contact the credit agency to have it removed. I contacted XXXX and they stated that the account is already showing {$0.00} balance. However I would like to get this account removed completely from my credit reports both Equifax and XXXX.
Product: Credit card or prepaid card

I have 3 promotional plans currently with Comenity-XXXX  XXXX. On XX/XX/XXXX I submitted a payment of {$290.00} to payoff an expiring promotional plan that had a balance of {$280.00}. Of that {$290.00}, they applied XXXX to the expiring plan, {$1.00} to a plan that expired with a {$1.00} balance, and {$21.00} to a plan that expires on XX/XX/XXXX which has no minimum payment due. And that plan with the {$1.00} balance is still charging {$.00} interest. 

As a result, that expiring plan charged me XXXX in interest because it wasn't paid off. 

I spoke with a manager on XX/XX/XXXX and told him what happened. He submitted a complaint to try and get back the interest. He told me I should hear back in 3-5 days. 

I called again on XX/XX/XXXX for an update and was told that the case was closed on XX/XX/XXXX. The supervisor that I spoke to said that I should have paid the plan minimum balance of {$34.00} in addition to the expiring promotion plan amount of {$280.00}. I argue that that entire amount of {$290.00} should have been applied to the expiring plan ( XXXX ).
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

I have been a long term customer with Bank of America. They feel they can disciminate against companies which manufacture guns and supplies in a completely legal environment to promote their one side social agenda, which is to kill the 2nd amendment. We the taxpayer and our Governent bailed out these institutions in a record high amount less than 9 years ago, averting financial disaster for our county. I am in the process of leaving BOA because I no longer feel safe banking with them, since I am a 2nd amendment supporter and actively follow it. I feel BOA will be out to hurt all conservatives and legal gun owners in general as a common business practice to funnel loans and financial incentives away from us. This should be illegal, I like the people who work at BOA, they are good people and have always helped me, I feel financially unsafe to continue to do business with them anymore. Its too bad that the socialist movement can find it way this easily into our core financial and banking systems in this day and age. I feel this should be strongly investigated and these banks should be penalized, bare minimum any federal banking should be relocated to banks that dont discriminate against the constitutional rights of citizens and companies who are making a living, law adiding and want to be able to defend themselves and our great nation.
Product: Credit reporting or other personal consumer reports

By the Fair Credit Reporting Act, the unauthorized inquiry has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The inquiry below has violated my rights. 15 U.S.C 1681 section 602A. 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 inquiry 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 ) ( a ) 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. Delete the unauthorized inquiry below : Creditor Name : XXXX, Date of inquiry : XX/XX/year>, XXXX : TransUnion
Product: Debt collection

NOTICE OF CEASE AND DESIST I natural person XXXX XXXX XXXX am requesting that you cease all illegal and negative reporting until this debt is validated. 

After reviewing my credit profile. I identified fraudulent and deceptive reporting from both XXXX XXXX XXXX & XXXX XXXX XXXX. I also took upon myself to look up there reviews and unfortunately it appears they've been criminally extorting thousands of patients. 
I have not received any correspondence from the creditor to validate this account is correctly belonging to me, nor has my credit report been updated to reflect this account is disputed. After reviewing credit report again on XX/XX/2022 there has been no updates and account is still reflecting on my report. This account does not belong to me nor does the creditor have authorization to access the account nor authorization to attempt to collect on this account and the account continues to negatively affect me. At this time, I will also inform you that your offices have reported invalidated information to all XXXX credit bureaus this action will constitute fraud under both Federal and State laws. Due to this fact. If any negative mark is found on any of my credit reports by your company that you represent I will not hesitate in bringing LEGAL ACTIONS against you and your client for the following Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collections Act, and Defamation of Character. 15 U.S.C. 1681 section 602A States I have the right to privacy 15 U.S.C. Section 604A Section 2 It also states a consumer reporting agency cant furnish a account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make many consumer report containing of the following items of information Any other other adverse item of information other than records of convictions of crimes 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate In accordance with the Fair Credit Reporting act the List of account below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681 . Collection Account name : ARS ACCOUNT RESOLUTION- 15 U.S.C. 1681 section 602A States I have the right to privacy 15 U.S.C. Section 604A Section 2 It also states a consumer reporting agency cant furnish a account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make many consumer report containing of the following items of information Any other other adverse item of information other than records of convictions of crimes antedates 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Around XX/XX/2018 I began discussions with XXXX XXXX, Branch Manager at Huntington Bank regarding opening a Business account to service my clients in Michigan. I reached out to the XXXX XXXX Branch of Huntington bank and began discussing the type of business I own and operate along with any and all requirements we would need in order to make sure the bank was willing to accept us as a client. I answered and provided all information requested by the branch manager, treasury manager, XXXX XXXX, and community manager, XXXX XXXX who assured me that there would be no problem opening my business account provided I set up a vault service. I was advised, given pricing, and contact information regarding " Huntington Vault Service Pricing and info '' which is an armored currier service I was told by Huntington would have to be set up in order for us to have a banking relationship. At the sole direction of Huntington Bank and for NO other reason, I reached out to their contacts, signed an agreement, and set up a Vault service for my account, which costs right around {$150.00} per month. I then flew to Michigan, in order to open my bank account and begin the relationship with Huntington. Longe story short, for NO reason, Huntington decided they did not want to honor anything I was told by their representatives, they would not allow me to use the Armored currier, they also would not allow me to withdrawal the funds I needed in order to operate my business. I lost and wasted time and money being lied to by a financial institution. I had to partner with a different bank in order to continue operating my business while Huntington took ZERO responsibility for the damage they caused. They are also requesting that I continue to pay the {$150.00} per month fee I'm being charge by an armored currier service and WILL NOT compensate me or pay the fee that was initiated at there demand for banking services. I feel they owe me at least that for the time, energy, and money I have wasted and been set back due to their negligence. Another example of big banks taking advantage of small business owners and consumers alike.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has a balance showing on my credit file of {$170.00} and there is no balance on this account.
Product: Credit reporting or other personal consumer reports

I've been a victim of fraud some one was able to obtain a loan on my behalf with the bank i was banking with and also open credit card under my name LOAN : XXXX XXXX XXXX Account Number XXXX Account Type Unsecured Responsibility Individual Date Opened XX/XX/XXXX Status Account charged XXXX. {$3600.00} written XXXX. {$3400.00} past due as of XXXX XXXX. 
Status Updated XX/XX/XXXX Balance {$3400.00} Balance Updated XX/XX/XXXX Recent Payment CREDIT CARD XXXX  XXXX POTENTIALLY NEGATIVE Date Opened XX/XX/XXXX Balance {$830.00} Status Account charged XXXX. {$830.00} written XXXX. {$830.00} past due as of XX/XX/XXXX 2024
Product: Credit reporting or other personal consumer reports

TO Your Company I am writing you to dispute the status of these inaccurate accounts reporting on my consumer report. 
In accordance with the Fair Credit Reporting Act ( PASSED BY CONGRESS ). 
You are reporting invalid, incomplete, inaccurate, and incorrect information on my consumer report. 
All of the accounts listed have different dates of last activity/status date, & have inaccuracies in the payment history between XXXX, XXXX, and Experian. ( How can these accounts have different information between the CRAs reporting, but are getting the information from the same creditor? ) YOU ARE REQUIRED BY THE RULES OF THE FCRA TO REPORT VALID, COMPLETE, ACCURATE, AND CORRECT INFORMATION ON A CONSUMER REPORT. 
607. COMPLIANCE PROCEDURES 15 U S C 1681 e ( b ) Accuracy of a Report : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure MAXIMUM POSSIBLE ACCURACY of the INFORMATION concerning the individual about whom the report relates. 
According to the FCRA 609 ( a ) ( 1 ) ( A ), YOU ARE REQUIRED BY FEDERAL LAW TO VERIFY, THROUGH PHYSICAL VERIFICATION WITHIN 30 DAYS, TO DISCLOSE ALL INFORMATION ( THAT YOUR COMPANY HAS ON MY CONSUMER FILES, PROVING THAT THESE ACCOUNTS ARE ACCURATE ). ( 15 USC Section 1681 s-2 ) IF YOU DO NOT DISCLOSE THIS INFORMATION OR HAVE THE INFORMATION THAT I HAVE REQUESTED, ( LACKING PROOF THERE OF ) YOU MUST REMOVE AND DELETE THESE ACCOUNTS ACCORDING TO FCRA REGULATIONS. ( Section 1681s-2 ( b ) ( 1 ) ( E ) WHEN DISPUTED INFORMATION IS FOUND TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED, THE FURNISHER MUST DELETE AND PERMANETLY CEASE REPORTING THE DISPUTED INFORMATION ). 
DELETE THESE 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my background check and it stated that my most last criminal charge that was on XX/XX/XXXX in XXXX XXXX XXXX wasnt filed until XX/XX/XXXX in XXXX XXXX. My charges are all out of XXXX XXXX XXXX. That charge was filed on XX/XX/XXXX. I served XXXX XXXX XXXXXXXX and was given 4 years probation in which i terminated successfully in XXXX of XXXX. I am upset it states that nothing was filed or done with this case until 3 years after the fact and in a county i never have been arrested in. I transferred my probation from XXXX XXXX XXXX to XXXX XXXX for about 5 months and then switched back. Ive worked hard to get to where i am with my past behind me and having that on my background check can look like its only been 3 years to someone that doesnt understand the terminology used. Plus it also is just incorrect all together. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX, has violated my rights. 

I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation 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 ( i ) 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.