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

On XX/XX/2021 I sent a letter regarding inaccurate and unexplained information on my credit report. It is now going on 2 months since I sent this notice and the items still haven't been corrected. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I AM A VICTIM OF ID THEFT ; THOSE LISTED ACCOUNTS AREN'T MINE. Please block that information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. * A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. 

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

To whom it may concern : According to the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding the procedures of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available This credit reporting company has intentionally voilated this rule and this is causing errors to be reflected on my credit report dealing with a bankruptcy -- Becasue of the error -- The bankruptcy should be removed from my report immediatley. i have been trying to work with them over a year
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 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.
Product: Credit card or prepaid card

I had an account with Comenity BankXXXX XXXX This account was sold to the collections agency XXXX XXXX in XXXX. Both XXXX  XXXX and Comenity Bank were reporting derogatory statuses on my credit report which led to an negative impact on my financial abilities. I contacted Comenity XX/XX/XXXX to make a payment but was told the account was sold to XXXX XXXX. I contacted XXXX XXXX  and paid the account XX/XX/XXXX and their reporting was removed from my credit report entirely. I was told the trade account would be removed also. Comenity Bank has continued to report the account monthly as a charge off. Since the account was sold it should have been removed completely. I have filed numerous disputes with the company and called without success. I need the issue resolved so that I may re-finance my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a total of 4 letters to all of the major credit bureaus stating that they remove accounts related to my name because there was no verifiable proof that the account belonged to me. Under the FCRA any account that is not proven to be yours has to be deleted. Not once was there any contracts or verifiable proof stating that such accounts belonged to me!
Product: Mortgage

In XX/XX/XXXX, and the week of XX/XX/XXXX I attempted to get a mortgage loan for a house and then a personal loan. In both cases the bank that i bank with and that receives my bi weekly pay check denied me the ability to get either. In XXXX I tried to get a mortgage for a home but Regions bank in XXXX ga onoy gives our home loans above XXXX. However that is significantly more than is required for a starter home in the area I am looking XXXX. So in XXXX I attempted to get a personal loan but qas still denied because of lack of credit history. However i have a good cresit score, no bad debt, and paid of student loans. Additionally, the amount i requested from Regions was less than the amount of money I hold in their accounts. I just needed it because the home purchase would be a significant endeavor requiring the money. I have all right pieces but have still be denied. The only reason they can site is lack of credit history, yet I am unable to access credit to build credit history. I believe this is a pattern of behavior with this entity from my conversations with others. Also, it seems to be intentional that they will not lend to be based kn my age, race, and the area in which I am trying to buy. Also, they wont provide any documents stating this but it has been all verbal which makes this hard to fight or challenge in any way.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/year>
Product: Checking or savings account

On Wed, XXXX XXXX, I was notified by Wells Fargo Bank that my checking account balance was zero. I went on-line and saw that there was an error with Wells Fargo online Bill Pay system. Wells Fargo had paid one of my bills TWICE -- and the amount in question happened to be huge -- over {$6000.00}. Wells Fargo pulled money from my savings account to cover this " overdraft. '' I called Wells Fargo Customer service and was placed on hold for OVER ONE HOUR due to " high call volume. '' I hung up and tried customer service in Spanish ( 7-minute wait ) .. I was informed that there was a systemic computer glitch and many customers had the same problem. Wells Fargo had no idea when the money would be returned -- hopefully in the next few days. I was advised to monitor my account, not use my ATM card, and not write checks. Thankfully, I have no pending automatic payments. But what happens to customers whose checks will bounce, whose mortgage payments will not be made due to lack of funds? I would like Wells Fargo to return the money that it wrongfully removed from my account. But I also want Wells Fargo to contact affected customers, explain the problem, and offer an apology. This is a systemic problem. It calls for a systemic solution. Instead of putting the onus on individual customers to contact the bank ( and to wait for an hour to talk to a live customer service representative ), Wells Fargo should take the initiative and explain the problem to customers. I am filing this complaint to alert regulators to this problem because it is a systemic problem that requires regulatory oversight. I hope that the immediate problem will be resolved in the next day or two, but someone needs to figure out what happened ( what caused the computer glitch ) and help Wells Fargo develop a protocol for contacting customers ASAP when problems arise. This is the kind of incident that shakes consumer confidence in the banking industry.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX and XXXX of XXXX, I was going through some financial difficulties and missed one payment. When I realized that this payment was missed, I contacted the XXXX and apologized for missing the payment and asked if I paid {$5600.00} would they remove the missed payment? The person I spoke with stated they can do that as long as I make the payment. I told them I was waiting for a deposit and that as soon as I received it would make the payment. I received the payment on XX/XX/XXXX and made the payment. The missed payment was removed and on XX/XX/XXXX I was trying to refinance my auto loan with the credit union I bank with, and it was denied. When I looked at my credit karma score XXXX added the missed payment this time for XXXX. I called them and asked if I made a {$5600.00} payment last month so why are you adding missed payment again to my credit report? They said because you didn't make a payment for XXXX even though I made an over five-thousand-dollar payment in XXXX. I told them I was getting paid on the XXXX to make another payment. They keep stating that they report accurate information and that they will not remove the missed payment. I never harmed their company and made a big payment. I missed one payment back in XXXX when I was going through financial difficulties and corrected my mistake. This company is willing to harm my credit score even though I didn't do anything to harm the company. I would like this missed payment to be removed since I made that big payment which would cover many payments going forward. I'm still making payments every month to finish paying the last {$1000.00} left. This missed payment for one month affects me negatively when I'm trying to fix my credit score. If CFPB can help with this situation I would greatly appreciate it because this is causing a lot of stress which is adding to my XXXX symptoms due to my military service in XXXX. Thank you.
Product: Checking or savings account

On XX/XX/XXXX I lost my credentials and called Marcus Goldman Sachs Bank USA by a three-way phone call XXXX XXXX XXXX . I explained to Marcus Goldman Sachs what my situation was and had my account locked. I verified my account balance at that time which was over {$22000.00}. In XX/XX/XXXX I realize that XXXX XXXX XXXX gained access to several of my accounts and fraudulently withdrew approximately {$40000.00}. I notified the banks involved, and explain the situation to them. After speaking with them Marcus Goldman Sachs Bank USA accepted a power of attorney at the end of XX/XX/XXXX and terminated the power of attorney the first week of XXXX the XXXX. XXXX XXXX XXXX transferred out {$5000.00} on XX/XX/XXXX, {$10000.00} on XX/XX/XXXX, and {$7100.00} on XX/XX/XXXX. After that date Goldman Sachs Bank USA reinstated the power of attorney that they terminated the first week of XXXX. Also there was a personally {$56.00} credit that they mailed back to XXXX XXXX after I explained the situation and they said that they would not. XXXX XXXX XXXX used a terminated POA date of XX/XX/XXXX. I submitted an affidavit stating that XXXX XXXX XXXX knew that power of attorney was terminated at that time, Goldman Sachs used a terminated power of attorney at two fraudulent notary publics stamps from where she worked. Enclosed you'll see all the documentation that I sent to Marcus Goldman Sachs Bank USA
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ) - Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ) - Account Number : XXXX XXXX Account Number : XXXX Has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A section 2 also states a consumer reporting agency Can not furnish a ( an ) account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a Home equity loan from XXXX XXXX since XXXX ( interest only payments until XXXX ). In XXXX it converted to interest and principal payments ( the monthly payment nearly doubled ).
As I was now retired on a fixed income at that time, the new higher payments were a struggle to make. I applied to XXXX for a loan modification. This process was to say the least, agonizingly slow and laborious. However, after many months the modification was approved and my new monthly payment was reduced by half making it very affordable and putting my mind at ease. <P/>But here 's the problem. From XXXX of XXXX to XXXX. of XXXX the payments were getting ahead of me. I started to fall behind while waiting for the modification from XXXX to come through. When I could I would go to the local branch of XXXX and make payments of {$1000.00} dollars. In one of many phone conversations with the modification officer working my case, I mentioned making these payments. He said I did n't have to do that. He stated that any unpaid balance would be assimilated in to the modified loan. So I stopped making those payments. <P/>The modification was approved and I entered the 3 month trial payment period. Having made those trial payments on time, the final new modified loan was approved. And in deed, the previous balance was assimilated in to the new loan and the account show current. <P/>Now, here 's the rub. It seems that during the 3 month XXXX XXXX, XXXX and XXXX of XXXX XXXX trial period those payments did not go directly towards the loan balance. I 'm assuming they went in to some kind of holding account until the trial period was over. And, indeed that is what happened. But meanwhile the bank reported that not only were there late payments from XXXX XXXX to XXXX XXXX but they also reported as late, the trial period payments XXXX XXXX, XXXX and XXXX XXXX XXXX even though they were made on time. <P/>My credit rating has since gone downhill now. I have written to XXXX and even contacted the local XXXX branch manger to try and correct this problem. According to the Credit bureaus I 've contacted, this type of dispute has to be corrected by the bank. The bank has replied basically saying " Tough luck '' I 'm a XXXX year old retired Veteran. I may not have 7 years to wait for the credit report to " self '' clean the information. <P/>I 'm at a loss as to how and try to fix this problem. I WAS TOLD by the bank that I did n't have to make those payments and then they XXXX me ( and I 'm guessing a lot of others too ) by giving me a bad credit rating with no effort to fix it. <P/>I 'm at a loss!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith. I have never and would never consent to the disclosure of any negative information to any nonaffiliated third party. I was never provided an explanation of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. Congress makes it clear that any contract or conspiracy that causes a restraint of trade and commerce is illegal. I was not provided adequate notice and I received no benefit for this transaction which constitutes unauthorized use of a credit card. The provision of the CFPB that prohibit unfair, deceptive, and abusive acts and practices in connection with the offering or provision of consumer financial products or services. 

XXXX be is in breach of their fiduciary duty and has been unjustly enriched due to undue influence. Every payment made to this account was a result of threat duress and coercion. This fraudulently furnished negative information violates TILA, FCRA, GLBA, CFPB, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. 

I hereby disaffirm any alleged agreement or contract, whether implied or explicit, between I, the consumer and XXXX This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness.As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. 

Until the requested documentation is received, this request for documentation shall be treated as a billing error and an erroneously billed amount under section 1666 of title 15. XXXX as the creditor, may not collect any disputed amount. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Any adverse action will constitute duress.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a copy of the letter I sent " LexisNexis '' LexisNexis Consumer Center XXXX. XXXX XXXX XXXX, XXXX, XXXX To whom it may concern, I am requesting the immediate security freeze on my consumer disclosure report. I opt out of disclosing future information until further notice, including the clue report and all other reports furnished by lexisnexis regarding all personal information of mine. This security freeze is requested not only restricts credit bureaus and creditors but also future potential employers until I lift this restriction. Under the Fair Reporting Act ( FCRA ) you are required to comply. After this freeze has been filed please send me written confirmation to the address below. 

XXXX XXXX XXXX Social Security Number XXXX Current Home Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Previous Home Address XXXX XXXX XXXX   XXXX, XXXX  XXXX Phone Number XXXX I am providing the following documents that verify my identity : 1. Copy of my drivers license 2. Copy of my home utility bill 3. Copy of my United States Passport Respectfully, XXXX XXXX XXXX " LEXISNEXIS '' never responded or complied with my request. I will send this letter again via certified mail.
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 lagged 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 despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX yrs military XXXX veteran. The credit bureaus have violated my right as a consumer under the FCRA Act. I have been trying to work with the credit bureaus to remove unauthorized credit inquiries that doesn't belongs to me. I have sent certified mail on numerous times. All I get back is the investigations resulted as " Updated and Factual ''. What does this means? I have for a copy of signed documents that I haver authorized these inquires. Can you please ask the credit bureaus to show the proof or delete the inquiries. This has been dragging on way too long. 
These inquires are in question. 
XXXX XXXXXXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX 1. XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 2. XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX 3. XXXXXXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Someone acted as a broker name XXXX XXXX XXXX, succeed to convince me regarding XXXX  investment. He/she has fake website XXXX XXXX XXXX and was communicated with me through XXXX XXXX XXXX XXXXXXXX. On XXXX XXXX XXXX  he/she guided me to open coinbase account and wired money to bitcoin. This is the first time I was doing XXXX  and I don't have any idea about wallet. So after the money wired to coinbase, she/he told me that coinbase will send me the wallet address. To trigger the wallet id from coinbase, she/he instructed me to sign up on XXXX XXXX XXXX  which is a fake wallet company that coinbase was failed to recognize and authorized the bitcoin transfer without any warning. 

Unfortunately, the scammer was able to send me wallet address id which was seemed came from coinbase with coinbase logo on it and I sent all the money to the address XXXX that was emailed to me and popped up on XXXX.XXXX  Then he/she asked me the login username and password which I refused to give and advised me to withdraw the money which is then I realized I was scammed because I was not able to withdraw the money at all. I was not aware at all that he doesn't need the login anymore because all the money was already sent to him and gone. I tried to reach out to him/her and he/she is still online on XXXX XXXX  with number XXXX. He/she is not willing to return the money, never replied my XXXX  messages despite his/her status on XXXX is still online until this day. I reported this fraud to few gov website for fraud but yet the scammer website is still online and ready to get more victims. On the other hands, coinbase company has failed to identify fake wallet and refused to help returning the money despite all transactions from the fake wallet was available on their blockchain.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX survivor twice and can not handle anymore stress at all! 
I am a mother of XXXX XX/XX/XXXX that need me and we are in too much hardship. 
I was sold a FLOODED FRAUD Car by XXXX XXXX XX/XX/XXXX. Car was taken by XXXX XXXX XX/XX/XXXX. They alll KNEW about this car because in XX/XX/XXXXI filed suit under XXXX XXXX Lemon Law XXXX and XXXX researched all in XX/XX/XXXX! 
The bank the lender the dealer made me stay and pay! I almost died in that car. It would come to a COMPLETE STOP at 60 and 55mph, On star callers engaged so many times from the car for HELP! Towing Repairs in Excess of XXXX over 24 months and payments and auto insurance. FINALLY XXXX XXXX NJ was mandated by XXXX to GET TO SOURCE OF ENGINE a year after the lemon law!!!!!! It was a Breach of Warranty!! NO ONE Replaced the car!!! I have no car!!!! No one did anything but take it over a payment behind after all I mentioned. The dealer did not obey the law. The lender kept saying they are sorry! NO I need all CARS on MY CREDIT REPORT REMOVED ASAP!!!! It is affecting my ability to get credit not only for another car but for my kids education and my medical health. They all did not honor the law. I should be refunded. I need this OFF MY CREDIT and STOP harrassing me at work all of them. It has to end. ALSO FOR a YEAR XXXX a month to rent a car!!!!!!! I was able to afford my car my issue was car never worked and was unsafe and the dealer and lender knew! I repeated myself every week every month as to what was going on and my lawyer to mandated they replace with the refunded deposit. No one replaced no one helped they came and took my car once fixed!!!! I had 4 weeks of peace and now no car!!! AND have zero cant get into anything with this mess on my report and my kids the loans all fell through this year with the damage to my credit. I am a XXXX XXXX of 30 years ago I work all my life, THIS IS A DISASTER! This car was a danger and fraud and 33 months of car payments and car insur and repairs towing and more now rentals unaffordable!! HELP! GET IT REMOVED