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

I am writing to file 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: Checking or savings account

I opened both checking and saving accounts with citibank online in XX/XX/2019 and their online system is really bad, when I click the check account to review my transactions, it's always showing loading for both my accounts. I am not able to see the details of my accounts. 
When I tried to transfer some money from an external bank to citi, the citi accounts got locked for no reason.i had transfered {$15000.00} USD to citibank and now it shows my accounts closed. {$15000.00} had been deducted from my external bank accounts and showed that this money already deposited into citibank, but citibank denied the receiving of this money. I now don't know where my money is at. 
and I spent 4 hours over the phone with their CS, and they weren't not helpful at all but waste my time.their customer services on the phone is the worst. their english is hard to understand and the info. they provided is not accurate at all. 
If you want to be happy, stay away from citi bank ever!!!
Product: Credit card

Chase Credit Card steered me to a product trade but did not disclose excessive foreign transaction fees on the new card. 

Two {$52.00} fees levied on XXXX XXXX 2024. 

Called to refund fee and company refused. 

I do not owe these fees. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga, XXXX XXXX XXXX XX/XX/XXXX Subject : Formal Dispute for Civil Negligence and Non-Compliance under 15 U.S.C. 1681-O Dear CFBP I am writing to formally dispute certain information that has been reported to you in my credit file. As per 15 U.S.C. 1681-O of the Fair Credit Reporting Act ( FCRA ), I am requesting immediate investigation and rectification of the non-compliant and negligent practices related to my credit report. 

The specific issues I am disputing are as follows : Inaccurate Reporting of : Address XXXX XXXX XXXX XXXX XXXX ga XXXX and XXXX XXXX XXXX XXXX XXXX al XXXX should not be on my credit report. XXXX reported XX/XX/XXXX, First progress XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Lending XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX inquiries that I don't hold an account with according to Fair credit reporting act 15 USC 1681i ( a ), 15 USC 1681 ( a ) 6 ( B ) 3, and 15 USC 1681i ( a ) ( 5 ) B.

The account referenced above shows inaccurate reporting that I believe violates the legal standards for accuracy and compliance outlined under the FCRA. The discrepancy involves [ describe the nature of the issue, e.g., incorrect balance, erroneous late payment, etc. ]. 

Failure to Correct Information Following Prior Disputes : Despite prior attempts to dispute this information, it has not been corrected, as required by law. Under the provisions of FCRA 1681i, you are legally obligated to investigate and correct any erroneous information within a timely manner ( usually 30 days ). However, this matter remains unresolved.

Negligent Handling of My Personal Data : I have reason to believe that your handling of my personal information, as outlined under FCRA 1681e, may be in violation of the legal standards for maintaining accuracy and updating records, resulting in harm to my creditworthiness and financial reputation.

As per 15 U.S.C. 1681-O, I request the following actions be taken immediately : An expedited investigation into the accuracy of the disputed items. 
Correction of all inaccurate and non-compliant information. 
A written response confirming that all issues have been addressed and corrected. 
Please also provide me with a copy of my corrected credit report reflecting the necessary amendments after the investigation is concluded. If you fail to comply with these legal obligations, I will be forced to seek further legal action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing other remedies under the FCRA. 

I appreciate your prompt attention to this matter and expect a resolution within the time frame set by law. 

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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Checking or savings account

On XX/XX/XXXX I made a purchase for XXXX from the company XXXX. As of XX/XX/XXXX I still did not have the package XXXX gaurentee me it was not lost and they had to extend the delivery date. XXXX came and went and still nothing so I again contacted them because I got email stating delivered but I never got NO RESPONSE. At this point Im getting nervous so I contact chime to dispute the charge. No problem. They did however told me because of the type of dispute XXXX wasnt offered a provisional credit and it will be decided on by XX/XX/XXXX. In the meantime all the sudden shein gets ahold of me telling me that they cant refund me until I drop the dispute with my back. I explained thats fine but please know I will have to start all over if I cancel and u dont follow through. No response. But I go ahead and cancel it. Still no response. I email, email, message, email them and they go back and forth that the dispute wasnt canceled. I showed them the letter from Chime, nope. She finally says that there is nothing they can do I have to go through my financial institution. This is where it gets tricky because I dont know who to file the complaint about. XXXX or chime? So I go back to chime show them all the emails of them telling me theyll issue my refund if I cancel dispute then cancel dispute and they tel me I need to go through my bank. Chime denies dispute. I ask numerous time for reason and get nothing. I file a rebuttal through chime again asking for original REASON IT WAS DENIED so I can make sure they have all info. AGAIN DENIED. THEY GAVE ALL INFO Gm if XXXX telling me I will recieve refund yet they keep denying refund. Still dont have what they are denying for.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts I have listed below XXXX XXXX  XXXX XXXX XXXX  XXXX My rights have been violated in accordance with the Fair Credit Reporting Act. 

15USC 1681 SECTION 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

Around XX/XX/2021, I fell victim to two multi-layered scam operations run by " XXXX '' who supposedly represented XXXX which involved me making deposits for a total amount of XXXX XXXX from my Gemini account to fraudulent investment firms.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureau XXXX XXXX XXXX and/or TransUnion ) credit report XXXX My latest credit report shows ( XXXX ) credit inquiry/inquiries that I did not authorize. I am writing to dispute the following inquiries and asking for their removal from my credit report. 

Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXXXXXX XXXX Account Number XXXX Account Type Debt Buyer Account Name XXXXXXXX XXXX  Account Number XXXX Account Type Debt Buyer Account Info Account Name XXXX XXXX Account Number XXXX Account Type Debt Buyer Please have these unapproved inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. Thank you for your assistance. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts listed on my Equifax credit report is fraudulent and keep reappearing on my credit report : XXXX XXXX XXXX for credit card account, {$22000.00}, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX credit card account, XXXX XXXX XXXX XXXX credit card account and XXXX XXXX XXXX XXXX MasterCard credit card account.
Product: Debt collection

On XX/XX/2023 and XX/XX/2023 I sent correspondence to RMWBH regarding the alleged debt in question. However, I have not gotten any response from them.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX XXXX and Equifax.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX, XXXX XXXX XXXX. Has violated my rights. 
I looked at my Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Wake field collection account showing up on my Credit Profile as collection account bye Law they cant collect on fraudulent account I ask this be removed immediately
Product: Mortgage

I am trying to get an explanation as to why my loan did not qualify for a modification with a principal reduction.
Product: Credit reporting or other personal consumer reports

A month ago, my credit score dropped by 10 points after a lender changed its name. 
This was purely an administrative change with no negative activity on my account. 
I filed a dispute with Equifax, clearly stating that the issue was not the account itself, but the unjustified score drop caused by the name change. I waited patiently for their response, expecting a proper investigation. 
Yesterday, they finally responded, and their response was completely unacceptable. They simply stated that the account was reported correctly and that they verified the information with the lender-but they completely ignored the actual issue I raised. They failed to address whether the name change should have impacted my score, and they provided no explanation or resolution. 
This is a major mistake and an unacceptable lack of professionalism. 
Equifax 's failure to properly investigate and respond to a straightforward dispute raises serious concerns about their dispute resolution process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Dear, I received an alert from credit bureau that CREDCO/QUICKEN LOANS has completed a " hard inquiry '' in both me and my wife 's name. 
I immediately reached out to XXXX XXXX who is a Quicken Loans agent to see why they have made a hard inquiry in both of our names without authorization. The agent has informed me that the information was sent from XXXX to them to do so. XXXX  is my Home and Car insurance company, I contacted them as well and spoke to my account manager XXXX XXXX XXXX XXXX and XXXX XXXX who is the owner of the XXXX  office. They admitted of making a mistake of sending over my information to Quicken Loan to run a hard inquiry but are not ready to fix the issue. I spoke to them again on XX/XX/XXXX and XX/XX/XXXX but they are not showing interest of fixing the privacy harm caused to us. 
I contacted XXXX  to dispute the record and take legal action against the company, but was advised by XXXX  to open this compliant. 

Prior to this issue, I have on some many occasions advised XXXX not to run any hard inquiry in our names. I have communicated this to XXXX and XXXX XXXX on phone and via email.
Product: Student loan

I wanted to report my plea for professional assistance this year. 
I believe I received the misuse of interest rates when my student loans were in forbearance at times since XXXX. I believe XXXX  XXXX XXXX collected interest rate money and added it on to my principle causing my amount due to increase to an undesired rate. If you look at my taxed income history, since XXXX and thereafter I was laid off from my management position during Covid. I have had an income of XXXX or less since then. XXXX, I learned has been in a lawsuit because of scenarios like this. Can you please refer me to information that can help me correct this issue. I believe I incurred too much interest on my principle amount at a vulnerable time of my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX  XXXX XXXX Balance : {$490.00} XXXX  XXXX XXXX Balance : {$650.00}
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, which violates the consumer financial protection act ( CFPA ). Cash app failed to take timely measures to avoid and address fraud and issues on its platform, leaving my account security and information vulnerable and unprotected. Also, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under Electronic Funds Transfer Act ( EFTA ) and regulation E. These have caused significant inconvenience and financial loss, I seek appropriate redress of these violations.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This has cause me great anxiety, stress, and financial hardship.
Product: Debt collection

AR XXXX XXXX ( XXXX ) XXXX contacted me on XX/XX/XXXX about a debt I supposedly owe in XXXX from a company I do not remember using. She told me its was for a {$500.00} loan but with interest and penalties it was over {$2000.00}. They will settle for {$310.00}. I asked for them to send me documents about the debt and what company this was from and she told me she could not. I had to settle now and if not it would go on my credit report and expect a summons to court in XXXX business days. She said her supervisor told her she cant give that information out. Then hung up on me.
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I have asked the company KIKOFF LENDING LLC to remove a negative balance of XXXX dollars from my credit report. I have sent letters and complained about improper use of this information on my credit report. I would like this discrepancy to be removed from my credit report.
Product: Vehicle loan or lease

Company refuses to update my account saying its paid off and refuses to issue my refund checks to me. I want my XXXX money, and they are holding it hostage because of " processing '' that has taken well over a month and is beyond the scope of reason as if I were to do it myself it would be done same day if not a week TOPS.
Product: Checking or savings account

A fraudulent account was opened XX/XX/year>. I noticed this fraud because a CashApp debit card was mailed to my home address. 
I needed to report this as fraud immediately and so I called and they said they could not do anything because I could not answer their security questions which were what email address was provided and phone number. Obviously I dont have that because this is a fraudulent account. So they requested i submit my name, ID, address, SSN, and a picture of me holding my ID just to give me basic info like when the account was opened. They only then provided me with the fact that the criminal used my name, DOB, SSN, address to open an account. I requested this to be closed from the start but they refuse to confirm if it was closed or provide me with the date. They just say if I want to pursue this case to go through Law Enforcement.

It was my request that the account be closed to begin with. 
I also asked about what process they require for people to open bank accounts ( to see if they are as rigorous about making sure their accounts are legitimate ) and they did not answer that either. 
Its my information that was stolen, Ive reported it to them and they seem to not take this matter seriously and keep further exposing my data. 

They only communicate via email Ive been emailing XXXX XXXX
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. 

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  and list of Inquiries 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

There are some creditors and inquiries that are on my credit report that I do not recognize, nor did I approve of them being on there. Please delete them immediately.
Product: Debt collection

In XXXX I bought a car from XXXX XXXX XXXX. After one year paying my fees I missed two payments and my car was towed without any prior notice. I was away for almost 3 weeks due to my job and on arrival I got to know my car was sold. The manager informed me that the amount they sold my car covered towing expenses and we are all set. Taking into consideration the the total sale price XXXX $ with XXXX $ base price and my XXXX XXXX and all the repairs Ive already done to car I was sure they just took advantage of me. But decided not to take any actions at that time as Ive just lost my job due to the pandemic. What a surprise I got when after almost 4 years I have received a notice from a collection. Therefore now I want to verify my debt and ask the collector to provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.