23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have been a Bank of America credit cardholder since XXXX. Over the past year or so, the budget has been tight but I have a promise to myself to never miss an obligation even a credit card payment. Bankruptcy has never been an option and will never been an option for me. Things are back on track however over the XXXX months I have been billed higher interest, late fees and annual fees. The interest I can live with ( but preferably at a lower rate ) but the late fees and annual fees have totaled over {$300.00} in unwaived fees ( {$370.00} total ). I am a decent customer and I just feel like these late fees and annual fees can bury you. I am hoping to have the {$300.00} as a courtesy for being a customer for exactly XXXX years now. Often when I finally get the money to make a payment its sometimes hours after the cutoff time. Sometimes so close to the deadline that the website is down for maintenance. I am just hoping you feel my pain and waive the {$300.00} for my straightforwardness. Thank you. Again I am back at work making even more money but the past XXXX month have been tough. At XXXX you do n't expect what happened to me but I am back on tack with a clean bill of health. Please understand. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit reporting act XXXX  Account # XXXX has violated my rights 15 USC 1681 seccin 602 states I have the right to privacy 15 USC 1681 section 604 A Section 2 : it also State 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 mortgage account under an open end Consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continuously claims to not receive the mail that I sent them time after time. I will call in and one representative will claim they have received the documents and the next representative will claim I need to re-send my dispute. At this point I believe they are using this as a STALL practice I am very u happy with the service they are providing!!!!
Product: Checking or savings account

Well i had a checking account with fifth third bank in  XXXX  Michigan. And i had a overdraft go through because theyed payed a bill earlier than the date i set up on billpay. So it charged me  XXXX  dollars so i called and asked what happened and they said that the pitcular bill is sent out through the mail and they dont have the control of when it gets there. But they said they would refund the  XXXX  dollar overdraft fee. So they asked if i wanted a overdraft protection i said no i will just pay my bills a different way. But then i went on my credit report and it said fifth third bank has removed there inquire. So i called and asked why they looked up my credit report they siad they didnt but he will look into it and call me bac k 2  weeks go by and no call so i go in there to close my account and the guy heard me from the office and comes out and said just come with me and brought to the top person in charge a women. And she said  XXXX  you wanted to apply for a credit card and i said no i didnt she said i have it on file. So i said show me and she went into her computor and couldnt find it so she said well it is on paperwork so went into her desk drawer and went through two months of paperwork and couldnt find anything and said i guess you didnt. I dont know what to say she said. Now i definitely was closing my account and a few days later i get a letter from them with a new debit card saying they had a security breach my information maybe compromised here is a new card. So i just want this on file so they dont do stuff like that. Compromising my credit info.i had been there for two years and never had a overdraft or a credit card through them. So i dont understand shy you would operate your business like this.
Product: Debt collection

There was a point where I lost my wallet. My wallet had a lot of valuable and personal information in it. I started to notice accounts that were negative reflect in my credit report that I had no idea and that do not belong to me. Since I have lost my wallet, I have also been in my personal information and data Were involved in various data breaches with XXXX and XXXX. I am not aware of this debt nor where it came from. The debt is listed below ( XXXX XXXX XXXX XXXX XXXX  XXXX  ) Amount {$3800.00} Date assigned XX/XX/2022 This debt is a result of identity theft. Please provide any and all and all proof that this is 100 % accurate beyond a shadow of doubt. I need receipts and signatures and full statements because I am not aware of this debt
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I disputed an account reported by XXXX XXXX in the file you maintain under my Social Security Number. 

I was informed on XX/XX/XXXX, Report XXXX : XXXX that the account was deleted from my credit report. ( Document with proof of this deletion included ). 

Now I have discovered that the item has been reinserted on my credit report. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within XXXX business days. 

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 



I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 

I hereby demand that you immediately delete the account from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX 

Please govern yourself accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$25000.00} XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

Hello, on Monday, XX/XX/XXXX, an unauthorized transfer was made via XXXX from my Bank of America account for an amount of XXXX usd, they entered my account and changed the password, the bank did not send notification of the password change or the transfer, upon regaining access to the account and communicating with the bank, I sent the claim and their response is that the transfer was made from a device that is consistent with previous valid account activity, when in previous sessions the bank application shows that it is an external device. The transfer was made to an unrecorded beneficiary. the bank does not want to answer the fraud. I kindly request your help. Thanks a lot.
Product: Money transfer, virtual currency, or money service

I 'm trying to sell my crypto currency. XXXX bitcoin and XXXX ethereum in my Coinbase account. I want to liquidate and turn this into cash. Whenever I try to sell it says I need to verify my identity. I am unable to verify my identity and it gives no support. My information is correct and I am within my sales limits. I have tried countless times to verify and I get the same nonhelpful error message saying they could not verify my identity. My money is now frozen because they wo n't let me sell without verifying my identity and their identity verification is broken. I want my money out asap but they 're essentially holding it ransom. I was able to buy and sell before and then suddenly my accounts were frozen. I have uploaded my ID and given them my ssn and still can not access my funds.
Product: Credit card or prepaid card

So I was in a car accident in 2016 and lost all of my credit, debit cards as well as license ; since then I have issued replacement cards for both XXXX XXXX and XXXX XXXX in store to go online with the card information ( which was required at the time to pay the bill ).

They never sent me a new card after contacting the company within the past 4 years multiple times although they swore one was sent. I couldnt pay the bill without the card number issued at the time, that I did not have in hand. 

Im requesting the interest accumulated be dropped and both accounts closed I will only pay the original purchase amount for the cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I notified the bureau 's that there has been some accounts and inquiries reporting on my credit report that is the result of identity theft. To protect my credit from any further damage I sent a request to remove some addresses that I don't recognize and I have never resided. As of today XX/XX/2021 these fraudulent addresses remain on my credit report. Please see attached addresses to be removed.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX XXXX  {$14000.00}
Product: Credit card or prepaid card

I have the XXXX XXXX card issued by TD Bank. I had an expiring deferred interest plan expiring on XX/XX/XXXX for {$120.00}. I made a payment in this amount exactly on {$120.00} to avoid deferred interest. TD did not apply this payment to the plan and instead applied across my balances. I tried multiple times to call them and their hold times were extended due to COVID. I finally spoke to an agent on XX/XX/XXXX and she told me she was not able to resolve the problem and redirect the payment because it had been more than 60 days since the payment was made. 

This is a billing error and TD should be able to resolve this regardless of when i notify them. Terrible service
Product: Credit reporting or other personal consumer reports

Re : Method of verification Highly Requested Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, 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 ; by not later than 15 days after receiving a request from the consumer for that description. 

Please send the following information used to validate the validity of the invalidated items below XXXX. XXXX XXXX  Account Number : XXXX Items Highly Requested The name of the original creditor The creditors address and telephone number The persons name they verified the dispute with The Valid documentation used to validate the dispute. 


Also, the procedures your company has in place to ensure each account is 100 % correct which I doubt. 



IF YOU CANT PROVE IT YOU MUST REMOVE IT OR PAY XXXX per VIOLATION YOU ARE COMMITTING. 

In accordance with FCRA,15 U.S. Code 1681e ( b ) Compliance procedures I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. if you fail to comply with this request and send all documentations that prove you seen and were sent valid documentation to say these items are 100 % accurate you will be held liable under 15 U.S. Code 1681 n and 15 U.S. Code 1681o Civil liability for negligent noncompliance I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right under FCRA and pursue legal action. 



Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I am in the XXXX XXXX and I had my repossessed car returned to me. I agreed to the terms of the loan being rewritten under the new interest rate of 6 %. I have added my mother to my loan to manage it. I sent the email to XXXX XXXX he confirmed that this took place. My mother has made several calls to pay my loan with no luck. I will soon have a late fee and a ding to my credit due to her not being able to make any payments. I was also told that my loan started over when the car was returned to me which did not happen. There was also extensive electrical damage done to my car in which I have forwarded some of the bills to XXXX XXXX. He said that he would call us back to settle this matter but never did. My mother called this past week and spoke to XXXX XXXX and was told Im busy right now Ill call you back which he never did. All we want to do is have this loan rewritten as agreed and make a payment. My mother is the only one who can do this until I return from training. I was also told that the repo that appears on my credit would be taken off and that has not happen either.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has failed to have my account reinserted in the credit bureaus after deleting this by error. It's been months now and I have gotten nowhere. They have basically been creating me a lot of hardship because my credit score is fair due to their error
Product: Student loan

I have attached the letter I sent to Navient asking to accept an offer to forgive the remaining balance on my loan. I believe from the outset I was not giving options that would have kept the balance of my loan from ballooning to where it is today. Instead of forbearance for a few years which ended up costing me tens of thousands of dollars, they could have directed me or at least offered me Income based repayments that would have at the time kept my balance at a manageable level. My original loan which started at approximately XXXX XXXX has grown to XXXX XXXX and continues to grow. I have paid back over XXXX XXXX since repayment started. The capitalized interest has destroyed my hopes of paying this loan off. I wasn't even afforded the ability during the pandemic to pause my loans or have the XXXX per month payment I've been sending go towards the principle balance. I feel Navient is and has been a predatory lender with regards to my loans and hope that at some point they are held accountable. They have been sending me mailings to change my loan to a private loan at a reduced interest rate for months now. Once again predatory in nature.
Product: Mortgage

My Mortgage is financed and serviced by United Wholesale Mortgage ( UWM ), NMLS # XXXX. I have been trying to set up biweekly autopayment for paying mortgage since the XX/XX/2022. Customer service of UWM assured that my biweekly payment mortgage has been set. I was under the impression that this will happen so I did not check whether it's happening. This ended up in me missing two month mortgage payment because UWM negligence, which was not notified to me. However, UWM sent this to debt collector without notifying me. I paid the missing payments as soon as I found the issue of UWM failed to set up biweekly drafting. I have called UWM multiple times since XX/XX/XXXX. Every time I call I get assurance from that UWM representatives have addressed the issue and give a next draft date. However I don't see that It's Happening at all. UWM so far has been doing this merry go round each time I call them. I called customer service today ( XXXX @ XXXX ) I don't see the resolution happening yet. Now I have come to the conclusion that UWM is deliberately discriminating because of my ethnicity so that I can not avail the benefit of Bi-Weekly payment. I came to this conclusion that the UMW is discriminating because of my ethnicity even though I am paying mortgage on time, each time.
Product: Checking or savings account

I have been a member of PenFed since XXXX. In XXXX, I began receiving a number of calls from an unknown number advising me that there may be fraud on my account. I would contact PenFed because there was no identifying information on the phone ( possible spoofing ) and they would transfer me to the Fraud company. In XXXX, the calls became more frequent and culminated this week with NO access to my funds on XX/XX/XXXX, XXXX and XXXX. 

On XX/XX/XXXX ( or the XXXX ), I complained to PenFed telephonically and via email that routine transactions ( ATM withdrawals ) are being denied and I am fielding more and more calls from the " fraud unit ''. PenFed and I together called the fraud department and I inquired about the frequency of the calls and could they annotate the account to indicate certain activity was permissible. The fraud employee stated " no '' and towards the end of the call, she became very snarky which I complained of the fact that they could not annotate " safe transactions ''. 

I continued to call PenFed about these numerous " security holds '' on my account on XX/XX/XXXX was assured that notes were placed on my file. I was blocked from escalating the matter by XXXX on XX/XX/XXXX as he informed me that I have to adhere " the to policies set forth when I opened the account ''. I replied the only " policy '' I'm aware of are certain limitations. He refused to escalate my call. I emailed the chairman of PenFed and filed a complaint with XXXX. 

I am requesting appropriate action and response to the following concerns : 1. What authority does the 3rd party vendor have to continually place 'holds '' on access to my funds? 
2. The 3rd party vendor is very happy to review the details of your account. What data is being provided to them? 
3. What level of security is in place to protect me and my PII from the 3rd party vendor? The vendor knows where I work and all my PII. I don't trust the actions of the 3rd party vendor. 
4. Why has my card access denied and why?

5. Who determined I am a potential risk for fraud?

6. Why is my account constantly being flagged?

7. Who is in charge of the 3rd party vendor? It appears they have more clout than PenFed.

8. Why are my transactions being mounted by the 3rd party vendor?

9. What policies are in place to ensure the 3rd party vendor does not overstep their authority?

10. Does the 3rd party vendor share our personal data? 
11. Is this increased scrutiny resulting from the complaint reprisal for complaining about their staffers remark on XX/XX/XXXX. 

10. How do I restrict the data that is being provided to
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 ive disputed many inaccuracies on my report. ive asked for an investigation to be conducted and for them to please remove any inaccuracies from my report. i received no response to any of my request to investigate and in fact only received a stall letter from transunion on XX/XX/2022 accusing me of using a third party which has nothing to do with them conducting the investigation that i requested and complying with my written instructions to remove all inaccuracies from my report. they continue to report late payments which are not accurate and continue to violate my HIPAA rights by reporting a medical account and continue to report accounts that they can not provide validation for. these accounts are inaccurate and a defamation to my character. according to federal credit law spelled out in the FCRA, a credit bureau is required to respond to you and complete their investigation within 30 days. if they do not respond within this time frame, they must remove the negative listings disputed. ive sent a follow up letter and still received no response and it has been 40 days since ive disputed these accounts and asked for an investigation which is a violation of my consumer rights.i would like these negative accounts removed from my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear SELF / LEAD, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri state identity theft and credit reporting laws, specifically Section 570.223 of the Missouri Revised Statutes. 

It has unequivocally come to my attention that SELF / LEAD has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consumers consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouris identity theft statutes, particularly Section 570.223, criminalize the unauthorized use of personal identifying information, including the illegal access, use, or dissemination of personal data for fraudulent purposes. This includes unauthorized credit reporting that impacts a consumers financial standing. 

I assert with unwavering certainty that I have not provided consent for SELF / LEAD to report any information to my credit report. This undeniable lack of explicit permission constitutes a clear violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and Missouri state laws. 

I demand, with the utmost certainty, that SELF / LEAD immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state law under Section 570.223. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including Missouris identity theft statutes. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that SELF / LEAD will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Debt collection

I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. They have had 6 months and 3 dispute letters sent to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you