23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I resigned from a position I had with a XXXX back on XXXX XXXX, 2015. I had a XXXX account with instructions that stated within 60 days of departure, I was to receive the money direct deposited to a bank account. The positions were sold on XXXX/XXXX/15 and the cash proceeds transferred out on XXXX/XXXX/15. I called my former employer to ask when these proceeds would be direct deposited and was told they would be sent XXXX/XXXX/15 and available XXXX/XXXX/15. I checked my account on XXXX/XXXX/15 and there was no deposit. I spoke with the bank today and they said the deposit would not be made until XXXX/XXXX/15. I received no phone call or correspondence informing me of this change nor an explanation, not to mention the fact that it exceeds the legally stipulated 60 day window. 

I am in need of this money in order to pay taxes, bills, and to provide for my family. I need a resolution immediately as this is unacceptable use of a former employers money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX To Whom It May Concern : Recently I received a copy of my credit report which show inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved it. I have provided you with a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries removed from my credit file immediately because I did not authorize them and they are fraudulent. 

XXXX XXXX XXXX ( auto ) XXXX XXXX XXXXXXXX XXXX XXXX  ( auto ) XXXX XXXX -XXXX  XXXX ( bank ). XXXX XXXX XXXX XXXX ( finance ). XXXX XXXX -XXXX  XXXX ( finance ) XXXX XXXX XXXX XXXX XXXX finance ). XXXX XXXX -XXXX XXXX ( finance ). XXXX XXXX -XXXX ( bank XXXX. XXXX XXXX XXXX ( bank XXXX. XXXX XXXX Also be advised the Fair Credit Reporting Act states that any information that is maintained on an individual 's credit report must be accurate. This includes unauthorized inquiries. 

If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter, I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt/signature of this certified letter is evidence of your receipt of said request. 

I have sent this letter because I need your prompt response to this issue, and I need written correspondence as evidence your company is acting upon my request. If you find that I am remiss and you do have my authorization to inquire into my credit report, and then please send me proof otherwise. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I have submitted several disputes to XXXX  in reference to a paid Medical collections debt in the amount of {$340.00}, that continues to be listed as in collections and unpaid on my credit report. My last attempt was to resolve this matter was on XX/XX/XXXX. I received notice that the investigation was completed on XX/XX/XXXX. The account remains listed as unpaid. This debt was being paid through my state income tax garnishment. According to my record from the SC Department of Revenue, an amount of {$370.00} was paid to XXXX XXXX XXXX XXXX in XX/XX/XXXX. 
Please note that XXXX XXXX XXXX XXXX was renamed to XXXX XXXX. 

I have attached supporting documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX  Account Number : XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not 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 An 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: Debt collection

Called Resurgent in regards to an account, and was told I had 2 accounts, which we discussed. I was informed account was sold to them, yet not given a sold date. I have never received notices from either creditor or collection agency, in regards to this. I do not know when the account was allegedly placed for collections. 

Also account was to be placed in a medical hardship status with the original creditor. I was informed that activities would be suspended until recovered from medical condition, to which I have yet to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Latest reporting XX/XX/2022 In light of this malicious activity, I have been unable to obtain housing in accordance with the Fair Housing Act and the SCRA ACT for military families ; because of the hardship resulting from it the incomplete BILLING ERROR reported on the XXXX CREDIT REPORT by XXXX XXXX ACCT # XXXX The billing error is Status 30 days past due- ACCOUNT WAS NEVER LATE Status updated XX/XX/2022, Balance {$460.00}, as I DO NOT OWE ANY BALANCE!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am invoking my rights pursuant to 15 U.S. Code 1692c ( c ), I demand you to cease any communications and collection activity of this alleged debt. XXXX XXXX XXXX willfully failed to comply with the provisions of SUBCHAPTER V of the 15 U.S. Code Chapter 41 with respect to I the consumer and such failure caused damage to my reputation, credit-worthiness and credit capacity which resulted in adverse action being taken against me when I tried to obtain new credit during this pandemic, this has caused me financial injury and am pursuant to 15 U.S. Code 1692k they are now liable to me for such damages sustained due to their noncompliance. XXXX XXXX XXXX willfully failed to comply with the requirements imposed under SUBCHAPTER XXXXII of the 15 U.S. Code Chapter 41 in respect to I the consumer and am aware that they are now liable in the amount of {$1000.00} pursuant to 15 U.S. Code 1681n ( a ). Fact, I the affiant am invoking my rights pursuant to 15 U.S. Code 1692K and 15 U.S. Code 1681 ( n ) and make a demand for monetary relief for the violations and actual damages caused to I the consumer due the willful noncompliance by XXXX XXXX XXXX. I am demanding monetary relief for the damages above or I will file suit in federal court within the next 14 days if my demands are not met. This is not a negotiation.
Product: Vehicle loan or lease

I got a loan for a new car from Bank of America. The first statement did not include the rate of the loan and the the maturity date of the loan. I think this is a deceptive practice design to trick less sophisticated borrowers.
Product: Credit card

This issue is related to my Costco Citibank Visa credit card. 
Events : XX/XX/XXXX : Completed a {$25000.00} balance transfer from XXXX XXXX XXXX XXXX card to Citibank XX/XX/XXXX : Charged {$25000.00} for payment to IRS for income tax XX/XX/XXXX : Citibank charged my card {$25000.00} with transaction " REV PYMT POSTED IN ERROR '' and added it to my bill. However the balance transfer was not actually reversed - there was no credit sent back to XXXX XXXX. 
XXXX : Citibank took money from my bank account to pay for the full amount of the outstanding balance, repeatedly overdrawing it until I got a high interest personal loan to cover the payment XXXX : Have made 5 long calls to citibank customer service to get the issue resolved. Some customer service reps say to wait and see if it gets adjusted, some say there's nothing they can do, one said to physically send in my XXXX XXXX credit card statement showing the transfer ( which we did to no avail. ) Citibank customer service does not know why the payment was reversed ( and kept by citibank ), and says they have no way to get in touch with the department that initiates these transactions. I'm at a loss how to get them to return or locate my {$25000.00}
Product: Checking or savings account

I am writing to report a recurring issue with Navy Federal Credit Union regarding their overdraft fee policy. Navy Federal has approved charges on my account that I could not afford, leading to repeated overdraft fees. I believe this was done intentionally to generate profit through overdraft fees in a manner that seems both exploitative and unethical.

Specifically, on multiple occasions, Navy Federal allowed transactions to go through even though my account balance was insufficient to cover the charges. For example : Date ( s ) : [ Insert specific dates of incidents ] Charge Amount ( s ) : [ Insert amounts of transactions approved leading to overdrafts ] Overdraft Fees Charged : [ Insert amounts and how they accumulated ] Despite having insufficient funds, the bank approved these transactions rather than declining them, as they should have under fair banking practices. This practice appears to prioritize collecting overdraft fees rather than protecting their customers from further financial strain. 

Actions Taken by Me : I reached out to Navy Federal via [ phone/email/in-person visit ] on [ specific date ( s ) ] to dispute the charges and request an explanation for why these transactions were approved despite insufficient funds.

I also requested a refund for the overdraft fees, as the transactions should not have been authorized.

In response, Navy Federal [ describe response from the company, if applicable, such as denial of refund, lack of explanation, etc. ].

Impact : This practice has caused significant financial distress, as the fees quickly added up, leaving me unable to manage my budget effectively. Navy Federal 's handling of this matter reflects a disregard for its customers financial well-being.

I believe Navy Federal 's actions violate the principles of fair banking and may potentially conflict with regulatory guidelines concerning overdraft fee policies. I am seeking the CFPB 's assistance to investigate this issue and hold Navy Federal accountable for their practices.

Resolution Sought : I am requesting the following : A full refund of the overdraft fees that were charged due to transactions approved without sufficient funds and inconvenience fee 's.

A review and revision of Navy Federal 's overdraft fee policy to prevent this type of exploitative behavior in the future.

Assurance that Navy Federal will follow ethical practices and prioritize their customers ' best interests.

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. 
Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXXXXXX, XXXX XXXX XXXX & XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the information below in my credit pro-file and that you have failed to maintain reasonable procedures in your operations to assure maximum possible ac-curacy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( l ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit re-port.

Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable ac- counts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

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
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report and noticed some inquiry that has no permissible purpose to be on my report. according to 15 USC 1681 B. Under the Fair credit reporting act, your action constitutes a violation of my rights, which is illegal and causing severe damage to my credit rating. 

1. XXXX XXXX  XXXX XX/XX/2024 This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 2. XXXX XXXX  XX/XX/2024 This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 3. XXXX XXXX XX/XX/2024 This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 4. XXXX XXXX  XX/XX/2024 This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Credit reporting, credit repair services, or other personal consumer reports

This CFPB complaint that I am filling is in response to my multiple attempts with XXXX XXXX and TransUnion to resolve my concern. XXXX  XXXX XXXX is reporting as Authorized User in my credit report. XXXX I request to be removed from this account explaining that I never wanted to part of this account but my Aunt added me thinking that she can help me build credit. But I never wanted it and now that she went through hard times this account is now reporting late payments and negatively affecting my credit score. Even I have been removed Bureau Code : Terminated from the account this account continues to report in Transunion and still affecting my credit score. I need Transunion to delete this from my credit report. I don't want this account affect my credit score that I am now trying to build.
Product: Credit reporting or other personal consumer reports

I'm seeking auto insurance in Michigan, where driving without it is illegal. Michigan law prohibits insurance companies from using credit scores to determine eligibility for auto insurance. Despite this, an insurance company accessed my credit report without my authorization and denied me coverage. I had no knowledge or authorization of their use of LexisNexis for this purpose. XXXX Quote initiated this unauthorized credit check through LexisNexis, which is both unethical and illegal. I must obtain auto insurance to avoid legal penalties if pulled over, but these practices are preventing me from getting coverage. I visited the website below for a quote, but they did not inform me that they would be checking my credit. This lack of transparency and improper use of credit information is unjust. 
Can you please help me? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hi, This issue is with regards to Wells Fargo savings account. 

I was charged a fee of {$15.00} for going using my savings account to make 7 withdrawals. Apparently, I am only allowed to make 6 withdrawals ( even though its my own money Im accessing ). I was not informed of this when I was basically pressured into opening a savings account ( Im sure you are aware of Wells Fargos deceptive account policies ). 

I would like my money back for a rule I was not informed about nor warned about ( and frankly this rule shouldnt exist at all! ). 

Thank you XXXX XXXX
Product: Credit card or prepaid card

I have items on my consumer credit report I dont recognize. I XXXX XXXX did not open these accounts, therefore they are fraudulent accounts. I dont a contract with any of these companies. I would like an investigation conducted, and these accounts deleted from my consumer credit report as soon as possible. 

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 : also states a consumer reporting agency can not furnish a account without my written instructions These accounts below are fraudulent, and would like them deleted immediately from my credit report. 

Truist : Account number : XXXX open date inconsistent and or duplicate account Amount : {$8000.00} Truist : Account Number XXXX open date inconsistent Amount : {$8000.00} Truist : Account Number XXXX open date inconsistent Amount : {$590.00} but credit limit is {$500.00}. ( Inconsistent ) open date inconsistent XXXX XXXX XXXX XXXX : Account number : xxxx open date inconsistent and or duplicate account. 
XXXX XXXX XXXX : Account Number XXXX open date inconsistent XXXX XXXX : Account number : XXXX inconsistent XXXX XXXX XXXX XXXX Account number : XXXX inconsistent. Not mine, do not have a contract with them. 


I also have XXXX different social security numbers being reported on my XXXX report which is impossible. My social security number ends in XXXX, but you have it has both XXXX, and XXXX which suggests these accounts may belong to whoever social security number ends in XXXX. The dates these accounts are reporting to have been open are inconsistent. The amounts are inconsistent.
Product: Credit reporting or other personal consumer reports

Hello, My complaint is with FICO after checking my credit score today. I learned it stopped from XXXX to XXXX over night my score dropped XXXX. FICO and Experian woujd not explain to me why my score dropped. I have never been late on any of my accounts! I tags great pride in protecting my credit. I am very, very stressed as to why my score dropped XXXX points with out an expansion I need answers asap from FICO and Experian. I am very upset about this new found information regarding my credit score. I check my score daily to make sure no one steals my identity or information. It appears someone has committed fraud against me. I need to get to the bottom of this asap
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX -- - DEAR CONSUMER FINANCIAL PROTECTION BUREAU, I AM WRITING THIS LETTER BECAUSE I AM IN NEED OF FINANCIAL ASSISTANCE AND I WAS REFERRED TO YOU BY MY REALTOR. I HAVE BEEN REPAYING A PERSONAL LOAN TO A COMPANY CALLED XXXX XXXX, XXXX. SINCE THE LOAN ORIGINATION IN XX/XX/XXXX. IN XX/XX/XXXX, I RECEIVED A RENTAL RATE INCREASE BY $ XXXX/MONTH WHERE MY FAMILY AND I WERE RESIDING, MAKING MY LOAN PAYMENT TO PROSPER DIFFICULT, WHICH IS {$700.00}. I RESORTED TO MAKING PARTIAL PAYMENTS EACH MONTH TO PROSPER, WHICH CAUSED ME TO INCUR LATE FEES EACH MONTH. UP UNTIL LAST MONTH ( XX/XX/XXXX ) I HAVE NOT BEEN ABLE TO CATCH UP BUT CONTINUING TO PAY PARTIAL PAYMENTS. I HAVE REQUESTED THROUGH PROSPER A REDUCED MONTHLY PAYMENT AMOUNT SO THAT I CAN SALVAGE MY CREDIT RATING. MY WIFE AND I RECENTLY PURCHASED A HOME THROUGH VA AND WE ARE CONSIDERING A REFINANCE AND POSSIBLE CASH OUT OPTION, SO WE CAN PAY PROSPER OFF ( A LITTLE OVER $ XXXX ). PROSPER TOLD ME THAT THEY WOULD NOT REPORT ME TO THE CREDIT BUREAU AS LATE AS LONG AS I WAS MAKING AN EFFORT TO PAY. THEY REPORTED ME TO THE CREDIT BUREAU ANYWAY. I DONT KNOW WHAT ASSISTANCE YOU CAN OFFER, BUT ASSISTANCE WOULD BE GREATLY APPRECIATED. I AM A XXXX MILITARY VETERAN WHO IS JUST TRYING TO KEEP A ROOF OVER MY FAMILYS HEAD. I AM OPEN TO ANY SUGGESTIONS TO SALVAGE MY CREDIT RATING SO THAT I CAN PAY PROSPER OFF. 

RESPECTFULLY YOURS AND KIND REGARDS THANK YOU.
Product: Credit card

I lived in XXXX in XXXX and XXXX. I had an HSBC bank account. In XXXX I moved back to XXXX XXXX and closed my accounts with HSBC. In XXXX of XXXX I received a new credit card from HSBC XXXX, which I did not request. I called the XXXX office and they said they could not help me because telephone security is not set up. I then called the US phone number and they wo n't help me because it 's a XXXX based account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19, My attorney mailed a debt validation letter to XXXX and XXXX ( Please see attached letter ). XXXX did not respond. Additionally, they reported a fraudulent account to my credit file and did not list it as disputed. XXXX and XXXX is violating the Fair Debt Reporting Act and the FCRA.
Product: Mortgage

Roundpoint Mortgage bought my mortgage from XXXX XXXX. The only notification I got was one thing in the mail that I didn't open because I get all kinds of mortgage stuff that's XXXX  and one email in XXXX that they purchased my mortgage. My bill was on autopay from XXXX XXXX so that obviously ended when they bought it. I didn't notice that my mortgage wasn't being deducted because I have a lot of expenses for my work and my mortgage is relatively small so I didn't realize I wasn't paying. I only found out when they put my house in foreclosure and destroyed my credit score. I then looked into it and finally got in contact with them. They never sent me a single bill on email or actual mail. They never called me about the issue. They never sent me a foreclosure notice. Nothing but one item of mail when they first purchased it. They then claimed that the post office was sending back everything that they tried to send to me. I don't know how because they obviously were able to contact me with the initial email and the initial mail. They told me all the bills and foreclosure notices never made it to me and that it was my fault. They then charged me an additional {$1400.00} dollars for a foreclosure attorney to reinstate my bill and get out of delinquency. I have never missed a single mortgage payment so I was able to afford to pay the {$7700.00} to go current but had I not noticed this company would have foreclosed my house without ever contacting me. Only reason I found out is because my credit card company sent me a notice that my credit had dropped by XXXX points.
Product: Prepaid card

On XX/XX/2024 I got a text message stating that a transaction was possibly fraud. I replied back no to the text message. The text message stated that they will reach out to me via phone number to further discuss the transaction someone reached out to me disguising as a myWisely customer service agent they hacked my account Into my savings and they took {$2300.00}. I believe that its someone in the company because they had a lot of personal information after doing my research. This is something that is happening repeatedly with people who bank with my XXXX through ADP when I wrote them to try to get it reopened, they resolved the dispute in XXXX days with no proof, I truly believe that the company is corrupted and there should be a class law action suit
Product: Debt collection

On XXXX XXXX, 2014 I terminated service with XXXX XXXX in XXXX and moved to XXXX. I returned all the equipment that I had to XXXX. XXXX claims that I did not return XXXX cable cards that they said I had in my possession. In spite of several phone discussions with their representatives where they agreed that the issue was resolved. They continue to attempt collection. They have now reported me to the credit bureaus for non-payment. I have attached XXXX letters I have written which describes the issue in more detail.