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

I recently applied for credit with 2 credit card companies. A copy of the driver 's license was sent to both companies approximately 6 times. I received feedback that they could verify my identity which I thought was strange. After speaking with a representative from one of the companies I was told that it is the credit reporting agencies that are reporting this information. It appears that they have incorrect information on file about me.

I

t is all three agencies that are reporting this false information. I am not sure why because I got a letter from one of the
companies at my home address indicating that they could not verify my identity, but they sent the letter to my home. These agencies, credit agencies, are reporting false information that is creating hardship for me. 

I want all three agencies, to correct this information and send letters to the credit card companies acknowledging their mistake. 
Sincerely XXXX XXXX
Product: Bank account or service

I hold an account in XXXX. I have been using XXXX XXXX for mail communication for many years. XXXX day I got a letter from citibank saying, I need to update my address to the physical address. So I called up citibank and updated the address. I have been using direct debit for some services and I have given some checks for rental, etc. Later I came to know my checks have bounced as my account was frozen. I visited the bank and came to know that account freeze was due to address change or something. I talked with the personal banker and he apologized for the inconvenience caused to me as it was a mistake from citibank side. He gave me a letter stating that, the account freeze was due to citibank 's problem, not mine. 
But still I had to pay the late payment fees/penalty to rental, aum etc. I had to talk to the branch manager to inform this. I tried to get an appointment by visiting the bank as well. But the employees over there said, he is in meeting and they will contact me once he is available. I waited and nobody called confirming the appointment. I called the bank again asking for the appointment regarding the issue with my account. They said they will contact me after checking his calendar. I waited again and I had to call them again for the same. Still no response. I sent an email to the manager, asking for an appointment. He did n't respond to my mails as well. 
XXXX day I went to the bank with my friend to talk to the manager ( XXXX XXXX ). Finally he showed up. 
He was staring at the computer for XXXX minutes and then he said, there was no record of me calling the bank for the address change. And he ca n't help with whatever loss has happened to me. The irony is my address was updated from XXXX XXXX to my physical address. How can it happen without me requesting for it. 
He transferred my complaint to XXXX branch, which has nothing to do with my issue. Till now there is no update on my issue. 
The service they provide is horrible. This problem is from XXXX 2015 onwards and still no solution. They are acting irresponsible. The money might be small. Still no one should get treated like this.
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 confidentially under 15 USC 1681. XXXX XXXX XXXX XXXX has violated my rights. XXXXXXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. XXXX. XXXX XXXXXXXX has violated my rights. XXXX XXXX XXXX XXXX XXXX has violated my rights., 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 without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may take any consumer reporting 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 information relating to a consumer reporting agency if the persons know or has reasonable cause to believe that information is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPRESENTATIONSXXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPRESENTATIONSXXXX XXXX XXXX XXXX Account Number : XXXX Delete this account.
Product: Money transfer, virtual currency, or money service

Funds were taken out of two of my checking accounts. One account {$900.00} was taken. The other account {$300.00} was taken. Funds were deposited into Coinbase without permission. Funds wrrethen transferred to an unknown address.
Product: Checking or savings account

My previous employer allowed me to open an HSA account. 
I have since left that employer. 

The HSA account is now charging me $ XXXXmonth and the bank Optum Bank refuses to close the account. 

I just want the accounts closed and my {$3.00} refunded.
Product: Credit card

I have an account with Wells Fargo and it is on auto pay. This month the bill showed that the previous payment was not taken and there was a charge of {$270.00} for interest. I never received a notice saying that the payment was not made. 

When I checked my bank statement, it did not show any payment attempt. I called Wells Fargo and was told that there had been an error on the side of Wells Fargo and that many accounts were affected. At no time did Wells Fargo reach out and inform me of this error. If I had not called, I would have been charged {$270.00}. I am guessing many card holders do not balance their statements monthly as I do and will never notice this error. 

I am shocked that Wells Fargo would be so cavalier regarding a matter of this nature. Is this a new way for credit card companies to make money? 

Thank you for your attention. 

XXXX XXXX
Product: Debt collection

VANCE & HUFFMAN LLC XXXX XXXX XXXX XXXX, VA XXXX Re : Vance & Huffman LLC. 
Account Number # XXXX Client Ref : XXXX XXXX XXXX : {$320.00} XXXX acquired my Credit Report in XX/XX/XXXX and found some inaccurate information that VANCE & HUFFMAN LLC reported this related account # XXXX to XXXX report agencies. I sent out the certified letter to request the validation in XXXX, XXXX XXXX. I learn that the account is sold to XXXX party. Again I sent out XXXX letters in XX/XX/XXXX and XX/XX/XXXX asking to removed the invalidated information from credit report agencies. But there are no responses from Van & Huffman LLC.
Product: Credit card

I am writing to seek your assistance regarding a credit card fraud claim dispute with Navy Federal Credit Union. Despite my efforts to resolve the issue directly with the institution, I have been unable to reach a satisfactory resolution. I would greatly appreciate your help in addressing the matter outlined below : On XX/XX/year>, I logged into my Navy Federal account and discovered three unauthorized charges : two transactions from the XXXX XXXX totaling {$2600.00} and one transaction from XXXX XXXX XXXX for {$640.00}. I immediately contacted Navy Federal to report these unauthorized charges. 

Nearly a month later, on XX/XX/year>, Navy Federal issued a temporary credit to my account while they investigated the matter. However, on XX/XX/year>, Navy Federal reversed the credit, stating that their investigation concluded that I had conducted these transactions. I must emphasize that I have never visited an XXXX XXXX or a XXXX XXXX XXXX store, and my card was in my possession at all times during the period in question. 

I believe the initial investigation conducted by Navy Federal did not accurately reflect the circumstances of the case. To clarify, here are the key points that support my claim : Store Visits : I have never been to an Apple Store or a XXXX XXXX XXXX store. Given the size and reputation of these stores, it is likely that they have security cameras that could verify whether I made these purchases. 

Card Possession : My card was in my possession at all times. It was neither lost nor stolen, and I did not authorize anyone else to use it. 

Immediate Reporting : Upon discovering the unauthorized transactions, I promptly reported them to Navy Federal, which resulted in the initial issuance of a temporary credit.

Reversal of Credit : The reversal of the temporary credit without concrete evidence that I made these purchases is concerning. Navy Federals conclusion seems to be based on incomplete or incorrect information. 

Given these points, I kindly request that the Consumer Financial Protection Bureau assist in facilitating a thorough and impartial review of my fraud claim by Navy Federal. I believe that a fair reassessment of the evidence will demonstrate that I did not authorize these transactions.
Product: Credit reporting or other personal consumer reports

Ive reached our to Equifax several times concerning collections on my credit from XXXX funding. I requested the documentation they are using to determine that this account belongs to me. I havent given this company any information for them to have on file against me. Equifax is requirinf that i send them supporting documentation, which I have, but they are not sendinf me the documents used for verification. 

I need this collection account removed. It waa removed before but has reappeared. 

It is affecting my credit greatly!
Product: Credit card

Best Buy financial services are managed by Citi bank, which has a history of selling bad mortgages in the past. 
My wife and I purchased a XXXX XXXXr with XXXX  months 0 % promotional program from XX/XX/XXXX to XX/XX/XXXX. 
The total amount {$1200.00} was split into XXXX equal payments ( {$53.00} a month ) and I have set up $ XXXX to end payments sooner. 
Relying on computerized system to end payments automatically, I found that my card was kept charging with the same $ XXXX and on top of it, I received a statement on XXXX, XXXX with a large interest charged {$630.00}. 
I called Citi bank and they said they could not find the reason why this interest was added, because it was in XXXX through XXXX, but I owe them amount shown above. 
By the way, customer service need to be trained more about how to conduct conversations related to disputes and complaints. I calmly tried to explain and was ready to understand if I made a mistake and pay the bill. 
Also, Citi bank kept calling during weekend and evening hours XXXX - XXXX times a day to pay the bill. 

Today on XX/XX/XXXX I went to the nearest store in XXXX XXXX, XXXX  to ask store manager to answer my questions. The store manager did not came out, but I spoke to someone called a lead. She was very polite and tried to help. She helped me to understand that 5 % reward is followed by charging interest. I did not know about it and I was not told about it at the time of buying other products. 
I remember using Best Buy account to make few purchases in XXXX, XXXX on the same card with misrepresented 5 % reward, which was charging, y account with the interest silently without any information provided with autopay. 
There is no consumer who would go to the store to take advantage of 5 % rewards to pay hundreds and hundreds of dollars later in interest, because it was silently accrued over time with trusted autopayments. 

What a strategy someone came up with at Best Buy division of Citi Bank with a history of bad mortgages?! It happened again. Someone needs to leave this legendary bank. 

After learning of hidden interest accrued since making other purchases with 5 % rewards, I paid my bill at the store in the amount of {$600.00} today on XX/XX/XXXX, but I am sure due to these bad practices I deserve to get a full refund and Citibank servicing Best Buy need a class action lawsuit to refund other consumers. 

It reminded me the {$7.00} XXXX settlement with mortgage fraud. I am sure there are other consumers who suffered from these type of bad and unethical practices. 

I know that Citibank also servicing XXXX XXXX and XXXX, but these retailers have much more ethical approaches to the clients at the time of offering promotions by carefully explaining how it all works and answering questions or issuing refunds. 

I believe that Citibank division servicing Best Buy should take responsibility and correct these practices to return its lost reputation. 

Thank you for your time. 
Respectfully, XXXX
Product: Debt collection

XXXX XXXX had debt on my credit report submitted validation letter plus XXXX complaint finally got the XXXX XXXX off my report now I get alert that XXXX XXXX XXXX is on my report for XXXX XXXX never once did they send me anything I dont even know who that company is Im also in Ohio where they arent able to collect without license the XXXX account was for {$610.00} would like for this to come off my credit report since I thought it was off already since origanl debt couldnt validate it
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : 1 am writing to dispute the following incorrect information on my credit report : [ XXXX XXXXXXXX XXXX, Opportunity Financial ], account is reporting closed with XXXX and Transunion bureau but open with XXXX. 
This item is currently showing inaccurately on my credit report filed with your credit bureau. 
Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record. 
Please contact me at XXXX XXXX XXXX XXXX XXXX below to let me know that you have corrected my credit report by removing the disputed item within the next 30 days as stipulated by the Fair Credit Reporting Act. 
Thank you for your assistance in correcting this erroneous information on my credit report. 

Sincerely, [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] ( XXXX )
Product: Bank account or service

I had an overdraft fee of {$100.00} just about for TDBank. I go to open an account at XXXX Bank and I am denied due to the fact the back closed the account which I knew but hadno idea that it would go to a collection agency. Then I had paid it off and went to open the account because I was told that TDBAnk was only holding my account through their Credit systems and it would be clear. Well I went the next day to open my account and still could not. I need this account for my new job and it is very important. How can I fix this problem as soon as possible?
Product: Credit reporting or other personal consumer reports

Ive disputed with Trans Union, the deceptive collection account from XXXX XXXX XXXX alleging i owe debts in the amount of {$630.00} being reported on my Trans Union credit report. Ive requested Trans union and the collection company to verify I owe such alleged debt, it has been well over 30 days for trans union to investigate the disputed information and they have failed to verify the information. Per the law, 15 usc 1681i 5 ( A ) if the information can not be verified it MUST be deleted from my credit reeport immediately. it is Transunion responsibility to maintain reasonable procedures and 100 % accuracy in the information their reporting. Per 15 usc 1681e ( b ) and they have failed in doing so. Transunion, Is violating the FCRA and if they fail to delete this inaccurate information from my credit file, they must be held liable per 15 usc 1681n
Product: Debt collection

XX/XX/XXXX I filed a complaint with the Minnesota Attorney General about a fraudulent debt of {$4000.00} that Huntington National Bank of XXXX OH claims I owe from when they maliciously repossessed my vehicle XX/XX/XXXX. The Attorney General and I asked to see legal lawful proof of this debt from Huntington National Bank, copy of canceled check from the auto auction sale of this car? Account deposit proof from the deposit of check to Huntington National Bank? Hunting National Bank claim I owe them {$4000.00} but they just wrote that down on a piece of paper they mailed me last year. This amount is completely manufactured and false. Huntington National Bank lied to the Minnesota Attorney General and refused to provide any proof of this debt for nearly a year. I am filing a fraud complaint with my Police Department and submitting it to the credit bureaus to delete the fraudulent monthly reporting of Huntington Bank since XX/XX/XXXX and Block Huntington National Bank from my credit reports this month of XX/XX/XXXX. 
The Minnesota Attorney General should have prosecuted Huntington National Bank and imprisoned its officials.
Product: Debt collection

On XX/XX/year>, I reached out to IC Systems to see what they were trying to collect for on my credit report. I asked on which day did they sent paper work to me and asked them which address they sent it to. To date they have not sent anything for me to research any amount that I XXXX or XXXX not have owed to them. 

I asked for the alleged account number and she could not provide it to me without me giving her more information from me. I was not about to provide my full social when if I owed them something, I should be able to provide my last XXXX of my social only. After being threatened about not paying for something that I never had information, The representative was not able to verify anything for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit agencies to validate the information that's reporting on my credit report and they have failed to provide me with this information and its negatively reporting on my credit report. According to the Fair Credit Reporting Act. 15 U.S. Code 1601 Truth and Lending congress states that accuracy and fairness of credit reporting should be reported. 
In accordance with the Fair Credit Reporting act XXXX Accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called on XX/XX/XXXX to fix a reinserted account into my equifax credit report. On XX/XX/XXXX they deleted this very account. On XX/XX/XXXX its back on and I called to dispute. As soon as I called to dispute my report goes down XXXX points. They do this everytime Im near a XXXX credit score. The only changes to my report were a lowered credit usage and remarks were taken off of accounts. I complained literally last week that they took off points for adding remarks. So now for remarks theyre taking off points for adding and removing. Its seems to be done when ever Im close to XXXX. This is criminal. The collections account of XXXX XXXXXXXX XXXX  was reinserted a week after taking it off. The FTC report was provided. The thing about this is that equifax will take off points for no reason and then add points for removing the collection. They wont give back any of the points they incorrectly removed. So it leaves me within the same range that Ive been in for the last few months.
Product: Credit reporting, credit repair services, or other personal consumer reports

.NAVY FEDERAL CREDIT UNION DATE FRAUD BEGAN XX/XX/2017 {$5000.00} I HAVE SENT OUT SEVERAL LETTER TO THEM AND CREDIT AGENCIES THAT THIS NOT MINES AND CAN THEY PLEASE SENT DOCUMENTS OF THE SIGATURE ON THE ACCOUNT AND THEY CAN NEVER SEND THIS TO ME. THIS HURTHING MY ACCOUNT ON MY ACCOUNT I HAVE NEVER BEEN LATE ON ANY OF MY PAYMENTS.
Product: Money transfer, virtual currency, or money service

I was involved or well my checkbook was involved not me personally but my checks were stolen and their were checks that were fraudulently wrote out to people or the people that stole my checkbook and they were taken to Advance Financial and were cashed. Well somehow the people went to jail for identity theft for my checks but somehow I ended up getting stuck with {$850.00} in checks they had forged and signed and this was in 2010 and I just recently was acknowledged of this matter when I had went to cash a check @ The Advance Financial location near my house in XXXX. I had to pay that amount out of the check that I was cashing before they would even cashed I had to agree to pay the amount for them to cash checks of mine anymore. I shouldnt of had to pay the money to them im the first place and let alone give me an ultimatum either pay out the check your cashing today or itll go back to collections. I paid the money when I shouldnt of but I do believe though I was done wrong and would like this matter fixed and taken care of would really like to be reimbursed the amount I paid and for the damages to my credit report it has caused.
Product: Credit card or prepaid card

Capital One rep read from a script & wld not even acknowledge the problem. Even spoke w/supervisor - same result.
Product: Credit reporting, credit repair services, or other personal consumer reports

On numerous occasions Ive contacted XXXX and Equifax about Hard inquiries on my report that are fraudulent. I stated that it was identity theft and I did not authorize it nor had knowledge of the information on my report. I sent in Identity Theft report along with copies of my Id and SS card as they told me to and still nothing has been fixed for me.
Product: Debt collection

I recently discovered that National Enterprise System. accessed my credit report on XX/XX/scrub>XXXX I am unfamiliar with this company and did not authorize them to pull my report. Additionally, they did not have a valid purpose for accessing my credit information. 
I request that National Enterprise System. provide a valid reason for pulling my credit report. 
Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, My name is XXXX XXXX and in XXXX of XXXX, I was impacted by the COVID -19 virus. I requested to be placed on forbearance due to the Covid-19 pandemic. I was told by my mortgage company, Bayview Loan Servicing, that as part of the CARES act, there will be no negative reports to the credit bureaus and that my credit would not be affected. While on forbearance, I sold the property in XXXX of XXXX, and as a result, my account was closed in XXXX of XXXX. I recently received a report on my credit that indicated Bayview Loan Servicing reported in XX/XX/XXXX, that I had a 120 days late ( please see the attachment below ). This was reported by Bayview Loan Servicing in XXXX of XXXX after my account was closed. This has a negative impact on my credit. My account was in forbearance and it was closed while in forbearance. I dont see why there was a need to report a 120 day late report on my account, I was told by a representative of Bayview Loan Servicing that as part of the CARES act, there will be no negative reports to the credit bureaus and that my credit would not be affected.

I sent a letter to Bayview Loan Servicing on XX/XX/XXXX and I also spoke to a representative from Bayview Loan Servicing regarding the issue. I have not heard any feedback from them. I can be reached at XXXX. 

Sincerely, XXXX XXXX