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

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of XXXX XXXX and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the XXXX XXXX XXXX XXXX to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions XXXX XXXX  Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

I called a few banks to gather information about why I am being denied bank accounts and XXXX bank closed my account and was told it may be due to a consumer reporting agency such as Early Warning or other contracted consumer reporting agencies. In the past Early Warning never sent my report as requested and I have reason to believe that they may be reporting inaccurate or incomplete information about my person. I wish to exercise my right pursuant to the Fair Credit Reporting Act to a consumer report and file as soon as possible within 7 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Equifax Several Tines about a Hard Inquiry on my credit Report, the Company XXXX XXXX XXXX  have called Equifax several times to remove this Hard inquiry XXXX XXXX XXXX  XX/XX/2019, Equifax Still after 3 months still Refuse to remove this hard inquiry after the company told Equifax to remove this Hard inquiry asap/immediately as of today its still on my credit report this is wrong and illegal the company told them to remove the hard inquiry why haven't Equifax removed it yet I don't understand.
Product: Credit reporting or other personal consumer reports

I am trying to unfreeze my credit so my bank can see my credit report to process a loan. I am unable to do this. At one point, Experian said I did not have a freeze on my credit. After reporting this to my bank, they were unable to access my credit report. I have been unable to carry out the instrucions Experian gave me in a letter verifying that I had placed a credit freeze.
Product: Checking or savings account

I bought a bunch of items from a XXXX proxy service company in XX/XX/2022. 

So there were XXXX transactions in total, XXXX transactions for XXXX items and XXXX transaction for the shipping fee which totaled {$1000.00}. ( I have attached a screenshot of the transactions on my Bank of America account for reference ) A little information on how these XXXX companies work is that, they allow you to buy individual items and then combine those items into XXXX shipping order. 

So what then happened was I received the items on XX/XX/2022 but they were not as described, I then contacted the XXXX merchant to tell them that they had sent me the wrong items or put someone's else order in mine but then the merchant said because I didn't have some sort of insurance plan purchased with them, they will not help me with my order even if I received the wrong items, received damaged items or even if I DID NOT RECEIVE the items. ( I have attached the conversation with the merchant as reference ) I can't say how ridiculous that sounds but I think that's just an excuse for the merchant to wash their hands off the issue or its some kind of fraud going on there. 

Obviously this does not sit right with me, so I then called Bank of America on XXXX XXXX to request for help/ a chargeback. 

After staying on the line for almost XXXX mins, the agent then told me that they were unable to do anything because I paid the merchant using my XXXX account. 

I then told the agent that I obviously would not risk putting my bank details or card information on a foreign website and that's why I choose the option of the XXXX checkout when I made the order. 

I also said that, it was my money in my Bank of America account that was taken out anyway regardless of what option I checked out with, so why isn't my own bank helping me in this case? 

The agent was unable to help me so I was transferred to a supervisor who gave me the same automated style response. 

What's worst is that, the supervisor even told me to take my own legal action if I wanted to get my money back. 

At this point in time, I seriously couldn't believe what I had just heard from a Bank of America supervisor. 

If you guys want to hear the recording, I'm sure its still in your system so please be sure to check that out. 

Not to mention that I am also a preferred rewards XXXX member with Bank of America. 
So if Bank of America isn't interested in helping its own customers, I would be more than happy to bring my money to keep in some other bank. 

So right now, I'm writing this complaint on CFPB to request for some assistance with my issue that I have described above. 

Please take a look at this. 

Thank you very much.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to laged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances depsite intiiatlly available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card or prepaid card

We have a Bank of America credit card. We needed to use XXXX to pay our maintenance person, it is an ongoing payment. Since our regular XXXX  does not work with XXXX we opened a checking account with BOA so we could use XXXX through them. We processed a cash advance from the card to deposit funds into the checking account. BoA then shut off our credit card, claiming suspicious activity. I called them and tried to get it turned back on. They refused. They said I had to go into a branch to fix this. We live in Alaska. There are no BoA branches here. I would have to get on a plane and fly to Washington state, roughly XXXX miles away to get this fixed.
Product: Debt collection

Midland Credit continues to call my phone number after my written statement to stop all calls. Midland Credit continues to call before XXXX, most recently at XXXX pst. 

It has been proven the numbers that have been calling me DO IN FACT BELONG to Midland Credit and they have continued to call when they stated to the Consumer Financial Protection Bureau they would only be contacting me by mail as well as discontinue calls before XXXX. They have NOT done as they stated they would. All documents are provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report and Bureaus Letter last XX/XX/XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX ; XXXX XXXX  ; XXXX  XXXX XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX .... XXXX : {$640.00} ; XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XXXX XXXX. Balance : {$730.00} ; XXXX  XXXX XXXX XXXXXXXX .... Balance : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$4300.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices. This violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Even after multiple attempts. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

When XXXX  had the hack I placed a XXXX lock on all the major credit reporting agencies XXXX XXXX, XXXX, XXXX XXXX XXXX. After the 90 days were up I tried to have a limit on one of my credit cards and found the account still locked. I have recently tried to provide for time payments on a product and the company who was providing the financing told me the account was locked. 
I am thoroughly disgusted with these " credit reporting agencies '' as they continue to keep access to my credit reports so I can obtain credit for future purchases or increases on existing credit. The lock I place should have expired over a year ago but still remains in place. 
These companies need to be investigated and fined for keeping my access to lenders blocked.
Product: Checking or savings account

I mobile deposited a check in my year old account on XX/XX/2023. Said funds would be available next day. Check caused a fraud notice because citi could not verify check. Account is frozen. Called multiple times and even had XXXX XXXX, where the check originated from, tell me it was valid. If chase can why not citi? Not only can I not deposit this VALID check, ALL my funds are frozen and citi refuses to do ANYTHING
Product: Credit reporting or other personal consumer reports

I have a personal checking account with a small overdraft protection credit line with XXXX XXXX. I've had this account for close to 30 years. It was set up to autopay every month on time and has never been a problem until recently. I recently learned that XXXX XXXX  had erroneously reported to the credit bureaus that there was a late payment in XX/XX/2023 that was more than 30 days late. First, that shouldn't be possible since it autopays each month. Second, that is absolutely false, because I checked the account statement and confirmed that the account WAS, in fact paid every month on time. During, before, and after the time in question, the following payments were made on time and in amounts equal to or exceeding the minimum payment due : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( to pay the total balance in full ). 

Clearly, there was some error on XXXX XXXX XXXX end. Again, the account was set to automatically make the minimum payment on time, and that had not previously been a problem. Moreover, XXXX XXXX  own records and statements show that the account actually WAS paid on time, so their reports to the credit bureaus were wrong. Please see the attached activity report of my XXXX XXXX  account that shows monthly payments have been consistently made and none were missed. 
This has caused me financial hardship. 

XXXX XXXX  should make sure that ALL of my credit reports are repaired and that the account is reported as current, good standing, and paid in time with all bureaus ( Experian, XXXX, XXXX, etc. ). XXXX XXXX  should make sure that the account does not have any late payment or other potentially negative information. XXXX XXXX  should also credit all fees, late charges, interest, transfer charges, etc. and provide me with some sort of compensation for my wasted time and for recent credit applications being rejected ( their error caused my credit score to drop from over XXXX to XXXX ). I had applied for a credit line increase and a refinance, which were rejected.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under XXXX XXXX XXXX XXXX ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per XXXX XXXX XXXX  XXXX ( Civil Liability for Willful Noncompliance ) and XXXX XXXX XXXX XXXX ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, XXXX XXXX XXXX XXXX holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section XXXX ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of XXXX XXXX XXXX XXXXXXXX ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. XXXXc ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.
Product: Credit card

I have a Banana Republic Credit card, administered by Synchrony Bank. I 've had the card for a couple of years and maintained good standing / payments. The bank as recently informed its card holders that the APR is going up from -- and already high 23.99 % to 24.99 % for no apparent reason, effective XXXX/XXXX/15. The company simply explains this increase : " These changes are being made to align pricing across the Gap Inc. Credit Card program. '' It seems usurious for a bank to do this without any trigger. Perhaps it 's legal, but it seems unjust and plain greedy.
Product: Mortgage

My home was foreclosed by Ocwen Loans. It was my primary residence. They are reporting to the credit burrows that I still owe them over XXXX dollars. They should be a XXXX Balance. I spoke with a representative and they were unable to provide me with the correct information after several attempts. This is interfering with me purchasing a new house.
Product: Credit reporting or other personal consumer reports

I am writing to bring attention to the provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681, Section 602 ( a ). This section emphasizes the critical role of consumer reporting agencies ( CRAs ) in our financial system and underscores the importance of treating consumers fairly, impartially, and with respect for their privacy rights. As both XXXX and XXXX operate as consumer reporting agencies, it is imperative that they adhere to the principles set forth in the FCRA. As a consumer, I assert my right to ensure that my private information remains confidential and is not shared without proper authorization. This right is supported by 15 U.S. Code 6801, which places an obligation on financial institutions to safeguard customer privacy. Furthermore, according to 15 U.S. Code 1681, Section 604 ( a ) ( 2 ), consumer reporting agencies may only furnish consumer reports with explicit written consent. I have not provided such consent, and any previous consent granted to XXXX, XXXX, or other information furnishers to credit agencies is hereby revoked. Additionally, 15 U.S. Code 6802 ( b ) mandates that financial institutions inform consumers of their right to opt out of information disclosure. Regrettably, this requirement has not been met by XXXX and XXXX. Moreover, 15 U.S. Code 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including adverse items in reports without proper authorization. XXXX and XXXX must adhere to this standard. Lastly, 15 U.S. Code 1681s-2 ( A ) ( 1 ) prohibits the furnishing of inaccurate information, while 15 U.S. Code 1681e requires consumer reporting agencies to maintain reasonable procedures to prevent violations. Unfortunately, it appears that XXXX and XXXX are falling short in meeting these standards. Thank you for your attention to this matter.
Product: Debt collection

I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau. I know my right to have an accurate reporting in compliance to FCRA. There is a fraudulent account in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

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

I tried to apply for a credit card but they denied me because they said I had a Capital One credit card but I didn't have one. They did an investigation and said that they found that I had a XXXX XXXX account but I didn't I have a XXXX account and they say I live at XXXX XXXX XXXX in XXXX XXXX but I didn't live there. They keep harassing me. I only want a credit card. I got a police report and ID theft report and Capital One is on my credit report since four years ago but XXXX  already removed it off my credit report because it's fraud. I'm trying to apply for a credit card but they won't let me. They keep harassing me.
Product: Credit reporting or other personal consumer reports

VIOLATION OF LAW XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) VIOLATION OF LAW XXXX XXXX XXXX XXXX VIOLATION OF FAIR CREDIT REPORTING ACT TRANSUNION IS COMMITING FRAUD. 
PART XXXX 210 days with NO PROVE OR DISCLOSURES. 
TransUnion were unable to PROVE AND PROVIDE EVIDENCE OF INNACURATE BANKRUPTCY ACCOUNT ON MY CONSUMER REPORT. 
EVIDENCE ATTACHED SHOWED THAT XXXX DELETE ACCOUNT ON XX/XX/2023 AND THEY SENT A LETTER TO TRANSUNION TO DELETE THIS BANKRUPTCY ACCOUNT ON MY PUBLIC RECORDS. 

PART XXXX : DELETION OF FRAUDULENT LATE PAYMENTS By LAW XXXX XXXX XXXX XXXX you cant furnish inaccurate information on my consumer report. You need to provide PROVE OF THESE LATE PAYMENTS. I need disclosures and TRANSUNION must abide by the conditions and compliance of the law XXXX XXXX XXXX : Time to make payments. 
COPY OF THE LAW : 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 XXXX ( XXXX  ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
Please provide a copy of the letter with tracking number sent by creditor with periodic statement including the information by section XXXX for each alleged late payment 21 days before payment due date. 
If you are unable to send me PROVE then delete these late payments IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I applied for a XXXX credit card that was " preapproved '' and was denied by XXXX, a company I 've never heard of. I was told my credit score was XXXX which is preposterous. The reasons given were ; # 1.Distance between prior  residences ( I 've lived in a 6 mile radius for the last 17 years with 3 moves ) # 2 Length  of residence too short ( It will be 8 years in XX/XX/XXXX I 've lived at my present address ) # 3 Inquiries did not adversely affect score (? ) # 4 Invalid or missing information ( Original application with XXXX was filled out completely and correctly ) # 5 Risk associated with address history ( again,? ) In reading reviews/comments about XXXX I see now why this is. I tried on several occasions to contact this company only to get no answer during business hours, or to have to leave a message to which I received no response. The last message I left was today at XXXX. I called at XXXX PST and the phone just rang untill I finally hung up. I also find it interesting how on previous complaints about this company they choose to not publish their response.
Product: Credit card

I called Avant in XXXX because I thought I enrolled in autopay and was charged a {$25.00} late fee so at that time I was ensured I was in enrolled in XXXX. XXXX comes around and I see I was charged {$35.00} for a late fee and they canceled my auto pay payment without me knowing. The agent XXXX that I spoke with said I was sent an email on XX/XX/11 around XXXX that I dont not see in my primary email folder. If it went to my spam I dont look there and automatically delete it if Im not expecting anything. But needless to say I was assured that my auto pay was setup so if they had of taken it out my account my payment wouldnt have been late and I wouldnt be asking for the late fee to be waived. As of today XX/XX/11 I did go in and cancel my auto pay.
Product: Bank account or service

ALWAY UNAUTHORIZED TRANSACTION AND BEING ALLOW TO WITHDRAW FROM MY ACCOUNT AND CREDIT BEING APPLY TO CLOSE AND FRAUD ACCOUNTS AND STATE THE NAVY FEDERAL CREDIT UNION POLICY AND PROCEDURE STATES THAT ALL CREDITS SHOULD BE APPLY BACK INTO THE FRAUD THAT CLOSE AND THE MAKE CHANGES TO MY ACCOUNT WITHOUT NOTIFICATION AND MY ACCOUNT IS OVERDRAWN LEAVING RESPONSIBLE TO NEGATIVE AMOUNT. PLEASE SEE BELOW THE ACCOUNT TRANSACTION AND INVESTIGATE THE ALL PRODUCTS AND SERVICESXXXX : XXXXLast signed on XXXX/XXXX/2015 My Settings Mobile Help CalculatorAccount SummaryTransferseDepositsBill PaySpendingAccount ServicesEveryDay Checking - XXXXPrintEDIT ACCOUNTSAvailable Balance $ XXXXCurrent Balance - $ XXXXLast Statement BalanceEnding XXXX/XXXX/2015 | Suppress Paper Statements - $ XXXXAdditional Account Information Scheduled TransactionsDate Description AmountThere are no transactions to display. 
Transaction History Download TransactionsAllSelect RangeDate Description Check # Type Amount BalancePending Transfer To Other Debit - {$120.00} $ XXXXPending Adjustment Credit {$530.00} $ XXXXXX/XX/2015 Adjustment - Cr Credit {$60.00} - $ XXXXXX/XX/2015 Adjustment - Cr Credit {$29.00} - $ XXXXXX/XX/2015 Insufficient Funds Debit - {$29.00} - $ XXXXXX/XX/2015 POS Adjustment - XXXX XXXX XXXX CT Credit {$19.00} - XXXX XXXXXX/XX/2015 Dividend Credit {$0.00} - $ XXXXXX/XX/2015 Overdraft Protection Fee Debit - {$60.00} - $ XXXXXX/XX/XXXX ACH Transaction - PUBLIC SERVICE XXXX ACH Debit - {$150.00} - $ XXXXXX/XX/2015 POS Debit - XXXX Check Card XXXX XXXX XXXX*NEW BALANCE XXXX XXXX XXXX - {$140.00} - $ XXXXXX/XX/2015 XXXX XXXX - XXXX Check Card XXXX - XXXX XXXX XXXX XXXX XXXX - {$35.00} - $ XXXXXX/XX/2015 ACH Transaction - XXXX XXXX ACH Debit - {$530.00} - {$92.00}
Product: Checking or savings account

I was paid for products I sell and I deposited the check and apparently I was given a check that was not valid. Now I'm being persecuted by the bank and I am being held responsible to pay it back when I didn't write the check nor did I withdraw any funds. Please contact TD bank in XXXX XXXX nj regarding bad check. Td bank took it upon themselves to withdraw the money from other accounts of mine. They owe me close to {$5000.00} plus our money are insured. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been disputing these accounts for over a year. They do not belong to me. Someone In my family used my information. 

XXXX XXXX XXXX XX/XX/XXXX {$4500.00} XXXX  XXXX open XX/XX/XXXX {$4600.00} XXXX XXXXXXXX open XX/XX/XXXX {$1500.00} XXXX  XXXX open XX/XX/XXXX {$370.00}