23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

On XX/XX/XXXX I applied for a auto pre approval and was approved, however I discovered on the XXXX of XX/XX/year> that my husband was restricted from our Navy Federal Credit Union accounts and immediately went to our local branch to discuss the matter and found out that someone tried to open a new membership under my husbands credentials. Then while sitting I went onto the mobile app and I was unable to sign on, so the branch mgr contacted the fraud department and was told since my husband is restricted and he's a joint owner on my accounts therefore I was also restricted. So when I checked on what I needed to do which was remove him from the account I filled out the joint removal form and submitted it. Said it could take up to 5 business days, I was able to get that done. Then on XX/XX/year> while out of town I went to sign on and again I was unable to, called the bank spoke to rep and informed me that there was a auto application submitted using an old device ( didn't mention that my approval was canceled ). I had just changed all my security credentials with a Rep on the phone. So how would someone be able to do that? The Rep told me I am revoked from my account since this is the 3rd time fraud has happened.I recently was able to remove the restriction.with the help of a branch rep and reapplied on the XXXX with the branch Rep, and was declined reasoning was my XXXX was higher. Once she told me that I appealed the decision, while speaking with the branch rep once again I was flagged for restriction on the account, not being able to log onto the mobile app. She was able to remove it and changed my credentials. I believe that the fraud was flagged which caused my application to be declined. My credit report had minor inquires and paid off a credit card so I am not understanding were the declined came from.I feel like this is very unfair to me as I was previously approved and the fraud has nothing to do with me and myself has been affected.Also, on the XXXX I went to a dealership ready to purchase a vehicle and did not due to the bank were my current auto loan was closed for the day. So imagined if they got the info and I presented them with the check that I had no idea it was cancelled what a spot it would've put me in. And that there had been no communication on that. What a huge liability it could have caused. My previous approval should have never been affected. Seems like this is not the way Navy Federal Credit Union should be treating any of there member 's.
Product: Mortgage

Continuous disregard of applying my payments correctly..last complaint they applied both payments to principle only, I called and eventually they corrected their mistake and I paid a late fee due to their mistake. XXXX XXXX mortgage has been paid, one payment applied to principle and the other floating in unapplied funds. {$670.00} pd on XX/XX/XXXX and {$670.00} pd on XX/XX/XXXX both payments cleared the bank.
Product: Payday loan, title loan, or personal loan

Wells Fargo Bank. XXXX, CA .... Would charge unexpected fee for payday loans. In XXXX location would deny cash withdrawal from account. However, .re. Locating to an alternate branch in XXXX for example the withdrawal/loan would auto approve. Other examples include certain areas. Not approving request for auto loan or line of credit. And again able to approve in more affluent areas where employees are more willing and happy to assist. Funds were fraudulently received fr my acct .Although after reporting incident and filing for compen station and resolution it never occurred.These and other actions occured over XXXX...
Product: Credit card or prepaid card

on XXXXwas on the phone with the XXXX XXXX XXXX XXXX  trying to get my computer fixed. The rep. I was talking to was XXXX XXXX, who transfer me to a XXXX named XXXX XXXX. His Id # was XXXX XXXX  SUPPORT. He worked on my computer remotely. After hour of working on my computer he told me that he I needed a part that cost XXXX in order to fix my computer. So I gave him my credit card number to buy the part and he said it would take a little more time to fix the problem. He then told me he was working on two account at the same time and charged a lap top to my account for the other person in the amount of XXXX dollars. I told him to rein burst me the money. He told he had send the money to my checking account. Than he said he made another mistake and sent me XXXX to my account. He told me that I needed to sent him back XXXX dollars through a International wire transfer to a XXXX XXXX XXXX. I went to my bank to have this checked out and found out that he was into my saving and checking accounts. The bank shut down my accounts right away to stop him from getting my money. I went back home and called the credit card company to report a Fraudulent charge. Now the Chase Slate credit card company is denning my claim. They said the charge was to XXXX XXXX and I benefited from the charge. I did not receive anything from this charge and I called them with in 24 hours of the charge to let them know I did not make that charge so I don't feel I should have to pay that money.
Product: Credit card

I never applied for this credit card. I tried to tell the company and they reported it as fraud but it was never taken off my credit report. The company name is XXXX XXXX XXXX on XX/XX/2023 XXXX
Product: Checking or savings account

I took a general payment from my TSP federal, and added it to a new Suntrust checking account est. {$13000.00}. I spent money on XXXX and online for my start up, I had my checking account and debit card number compromised repeatedly. I tried time after time to work it with Suntrust but all I could get was a temp credit which was quickly taken back, then they just completely closed my account. I've call and all I get is ppl saying my account is closed, I try to login online and my login no longer works for the past 4 months. 

I lost {$4200.00} of my TSP deposit, and they won't even tell me why, how, or when they decided to just close my account with funds still in the account. I received an email about my account being forced close and to login to see a notice. Like I stayed above, they blocked my login into my account completely.
Product: Credit card or prepaid card

This is not my account please remove it. I have already filed and requested to be taken down previously and it was removed and sold to XXXX  XXXX XXXX. and has new account number with different amount ... ... remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 Credit Bureaus after I purchased a credit report with XXXX  on XX/XX/23. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there were Accounts on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus on XX/XX/23. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that these accounts will be corrected. 
XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX Balance : {$350.00} XXXX XXXXXXXX XXXX Balance : {$100.00} XXXX XXXX Balance : {$910.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$720.00} XXXX  XXXX Balance : {$200.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a p
ayment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Debt collection

Reviewing my consumer report I noticed my privacy being violated. I have rights as a consumer to privacy on all reports. 34 CFR Part 99 - FAMILY EDUCATIONAL RIGHTS AND PRIVACY States I have a right to privacy. 15 U.S. Code 1681b - Permissible purposes of consumer reports Also States I have a rights as a consumer. I request a proper investigation into this matter. Please produce the ORIGINAL STATEMENTS containing my signature that authorized this information being reported to my consumer report. 
XXXX XXXX XXXX # XXXX Has reported to my consumer report and has cause damage to my reputation. I have been denied good faith and credit for services and goods. I want all loans dealing with this account removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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: Student loan

I am a cosigner for my daughter, got hurt at work and XXXX. I had called and pleaded to work something out, filed bankruptcy, to no answer or help from Naviant. The most frustrating part was each time I/we called we would get a different answer, or a possible way to postpone payments.One said I could get off cosigner list if I filed bankruptcy. I was told It was taken care of.only to get calls again after bankruptcy was done. I still am not sure what actually happened. I do know Naviant didnt object to courts during the time frame before case was done.This has cause so much XXXX to me, I can never regain my XXXX.I would love nothing better than to have income to help my daughter pay these off. I just ca n't since injury on job.
Product: Credit reporting, credit repair services, or other personal consumer reports

no response with old address and old jobs
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX  XXXX Balance : {$3900.00} XXXXXXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXXXXXXXXXX XXXXBalance : {$3600.00} XXXXXXXX XXXXBalance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN has not responded to my concern in a timely manner. According to the CFPB XXXX XXXX has admitted that ALL credit reporting agencies have committed consumer violation and have NOT been handling complaints carefully and responsibly. I so believe EXPERIAN has ignored my demand and has continued to federally violate me willfully. I am devastated and hurt by this both mentally and physically. I am not disputing anything I am DEMANDING EXPERIAN exercise their GRAVE DUTIES to report accordingly and respectfully on the consumer to insure confidence in the banking system. I will no longer extend my credit until EXPERIAN has settled the matter IN GOOD FAITH and remove demanded accounts from my reputation
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 : XXXXXXXX XXXX XXXX  Account : Account Number : XXXX Account Name : XXXX XXXX XXXX Account : Account Number : XXXX Account Name : XXXX XXXX  Account : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX  XXXX XX/XX/year> XXXXXXXX XXXX XXXX XX/XX/year> XXXX  XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXXXXXX XX/XX/year> 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

I was behind on payments I spoke to Capital One and asked them if we can do a payment plan till I could catch up They put me on a program and they set up auto withdrawls for the payments so it would not be late, They have taken the payments on the XXXX of both Months XXXX and XXXX and still reported us late to the credit bureau. I have called numerous times and they all say no we didnt report you late and when they stay on the phone longer they - we dont know why this happened - write a letter - that is the only way to fix it. 
I wrote a letter and send it and they have not fixed the problem I have asked them for a letter to show that the payments were made on time they tell me they cant do that and will not help me.
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. 

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 Account name ACCOUNT XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$350.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$350.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$350.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX XXXX
Product: Student loan

I have tried for years for this company to issue me a refund. 

Please help.
Product: Mortgage

Our house burnt down on XXXX/XXXX/XXXX in the middle of the night. We only had the forced mortgage insurance because XXXX cancelled us. My issue is : We received a payment from the insurance company for XXXX and we owed XXXX We received the check and decided to send it to the mortgage company to pay off the balance of the loan. Ditech is foreclosing on us, so now with the attorney fees they are stating that we owe XXXX. They still haven '' t even applied the XXXX towards our principle balance and they are still charging us monthly for homeowners and flood insurance on a house that had been condemned through XXXXhe county. I even received a call a couple weeks ago asking if I wanted to make payment arrangements for the past due balance of XXXX. I explained to the rep that I sent them a check for XXXX a year ago. The rep looked further into it and say the payment. They did not understand why and would open up a inquiry but t hey always are saying that to me. We can not afford a lawyer. We are on 1 income with XXXX XXXX daughters. My husband is having serious XXXX issues and other health issues. Please HELP!! We are in desperate need of it. We already lost everything in the fire because the insurance only covered the dwelling. ( Not the contents of the house ) The fire was a total loss. You can XXXX my wifes name XXXX XXXX and see when XXXX XXXX came out and asked to take pictures of the house the day of the fire.The county came and tore the house down and is now charging me. Charges are listed below. 

The cost that will be owed if paid by XXXX XXXX, XXXX is below : Title search : {XXXX  Demolition : XXXX Administrative : XXXX TOTAL XXXX PLEASE PLEASE SEE IF YOU CAN HELP. WE DO NOT KNOW WHO TO TURN TOO. ALL WE WANT IS OUR PROPERTY. 

I can be reached at XXXX. 

Thank you, XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX Balance : {$17000.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$16000.00}.
Product: Checking or savings account

XX/XX/year> a notice of account was being closed. Called Citibank to ask why. No details they frozed my whole account and debit card. I have {$330000.00} remaining in my bank. This is a business account. I called numerous times and kept hitting dead ends. No one is telling me whats going on with my funds. No cashiers check has been received. Its stopping my business from flowing. I have nothing to pay contractors.
Product: Vehicle loan or lease

Complaint regarding transparency of billing statements. Billing statement does not include : Property Description, Interest Rate, Minimum Payment Due. Billing statement is not generated in advance of due date. For example ; Billing statement as of XX/XX/2022 was not generated until XX/XX/XXXX with a due date of XX/XX/2022. Billing statement as of XX/XX/2022 was not generated until XX/XX/XXXX with a due date of XX/XX/XXXX. As I write to you today, XX/XX/XXXX, my minimum payment is due today yet my XXXX billing statement has not even been generated.
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 Equifax 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 XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX with a balance of {$23000.00} 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 XXXX  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 card or prepaid card

This complaint regards Chases failure to remove a disputed charge from my credit card for an online order that was never shipped nor received. Pursuant to Chases terms of service, customers are not required to pay for charges that are the product of fraud or mistake, so long as the customer makes a good faith effort to correct the issue with the merchant and files a billing dispute with Chase. I have taken all of such steps, as outlined below, but Chase has repeatedly refused to remove the charge from the account. 

I placed a {$2600.00} order on a Chase credit card for balloons purchased on XXXX. Though the card was charged, the balloons were never delivered. I contacted both the merchant and XXXX seeking a refund, but the parties refused to refund the money. Following the procedures outlined by Chase pursuant to a phone call on XX/XX/2018, I filed a dispute to the fraudulent charge. I then remained in contact Chase to resolve the dispute, as outlined in the attached documentation and timeline of events. Between XXXX and XX/XX/2018, I disputed and redisputed the issue at least five times ; each time, Chase rejected the dispute via a form letter. In total, I made in excess of ten separate attempts to communicate with Chase about the issue ; such communications were met with confusion, frequently misplaced records, and in one case a manager who screamed at me over the telephone. Though Chase itself was solely responsible for the protracted process, it now claims that no credit can  be provided for the charge because too much time has elapsed from the transaction date. The incident has cost me significantly due to the fraudulent charge, need to purchase the product elsewhere, time expended, and legal fees in seeking a satisfactory resolution from Chase. 

Given my diligence in addressing the issue and Chases repeated failure to respond to the problem in a satisfactory and timely manner pursuant to its obligations under its terms of service, I am requesting that the CFPB aid in ensuring that Chase remove the fraudulent {$2600.00} charge.