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

NOTICE OF PENDING LITIGATION SEEKING RELIEF & MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file.Despite my three previous requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated that you " verified '' that these items are being " reported correctly ''? You still have not identified WHO in your COMPANY VERIFIED the accuracy of these accounts or HOW they verified them? I 've yet to have received a SIGNED contract between me and the alleged company. As previously pointed out to you, XXXX Law Dictionary, XXXX Edition, 1990, defines " Verification '' as, " Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party '' .At this time your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this this they must have 1st hand knowledge of the alleged account ( s ) and all that has transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you ca n't properly " Verify '' the accuracy of any of the disputed accounts. Please be advised that Under Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information which can not be verified. Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section617 if the UNVERIFIED items listed below are not deleted within 10 days. A copy of this complaint along with the three others will also be submitted as evidence in pending litigation provided you fail to comply with this offer of settlement. The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with the Federal Law. I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. In order to avoid legal action I demand that you delete all the unverified accounts listed below immediately & provide me with a copy of updated and corrected credit report showing that these items have been deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER REVIEWING MY CREDIT REPORT FOR THE MONTH OF XXXX, I HAVE IDENTIFIED INACCURATE ITEMS PLACED ON MY CREDIT FILE. THOSE NEGATIVE ITEMS DOES NOT BELONG TO ME AND IT HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT SCORE. PLEASE RE-INVESTIGATE THE ACCOUNTS.
Product: Debt or credit management

I had to move out of my house for water leak repair. The insurance has paid me the money for repairs. The check was made out to me and my mortgage ( Mr.Cooper mortgage co ) .They keep holding onto the money for repairs for required paperwork. So frustrating. I need to pay the Restoration company for the repairs they made to my house.
Product: Checking or savings account

CFPB Complaint against Chase / XXXX  Disputed amount : {$1300.00} Claim # : XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX : filed a claim for {$1300.00} against XXXX XXXX. Transaction date : XX/XX/XXXX. Chase places a temporary credit for this amount in my checking account. 

XX/XX/XXXX : Called Chase on XX/XX/XXXX explaining the claim was filed in error and to withdraw the claim. Agent said the temporary credit would be withdrawn and the claim would be closed. 

XX/XX/XXXX : Chase notifies they have stopped researching the claim and removed {$1300.00} from my account, saying it would take place on or after XXXX. 

XX/XX/XXXX : Received email correspondence from XXXX XXXX ( my apartment company ) that my XX/XX/XXXX payment was returned due to a dispute, instructed me to pay this amount immediately, and that I was being charged a late fee of {$50.00}. Also threatened to sue me for this amount. ( see attached ). 

Spoke to Chase claims, who said that the amount was on the merchants end, XXXX, and to recover the amount from XXXX. Confused by this statement since XXXX usually directs consumers to deal with the bank, not with XXXX. 

E-mailed XXXX, and their rep said they could not help because transactions are confidential and to continue working with Chase. 

Called Chase claims again asking for a supervisor or someone in the presidents office, and was transferred to the claims department. Agent # 2 said that the amount will take XXXX to be returned to the merchant and that I should have a credit with the merchant. 

Paid the rent amount to XXXX XXXX, including the late fee, and let them know that it was due to a dispute that was filed in error and that it should have been closed. Also informed them to be aware of a double payment for XXXX in the near future. 

XXXX : Have not heard from either party so proceeding to file a complaint with the CFPB.
Product: Vehicle loan or lease

I have been experiencing several safety issues with my vehicle for months. To start, there have been numerous occasions when I couldn't enter my car because the working, which c key fob wasn't creating a safety risk. At times, the vehicle wouldn't start despite knowing it had at least 80 % of its battery, but it was showing 0 % charge on the battery indicator, leading to delays in driving away. Occasionally, when trying to put the car into reverse, it would go into park instead, causing a dangerous situation. Furthermore, the car would unexpectedly shift into park while stopped at intersections or when moving around in the driver 's seat. I have raised these concerns with the company, XXXX, including submitting videos and emails, but they have now filed for bankruptcy. This has been going on for at least 6 months. I bought the car, brand new, in 2023. The car is unreliable, and I feel unsafe driving it for long distances due to fear of the 12v battery dying. Despite having a warranty, the company has no technicians to fix the issues.
Product: Student loan

This education was fraudulent. It was declared by XXXX to be a for profit college that used high-pressure tactics to gain enrollment. More than 2/3 of my loans were registered as private the other 1/3 was attained as federal. My federal loans have been forgiven due to these practices, but I still am paying over {$400.00} a month in private loans for a fraudulent education.
Product: Debt collection

Equifax # XXXX is reporting need to be updated XXXX XXXX XXXX is still reporting on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has repeatably claimed that disputed inquires were verified and provided no proof that they were. the inquires were done without my permission. 

XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX MD XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX, 2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX, 2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2021 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX
Product: Credit reporting or other personal consumer reports

I paid XXXX XXXX XXXX  {$49.00} to remove their information off of my EARLY WARNING SYSTEMS report I have called several times and gotten the same we cant do anything about it response XXXX XXXX is ruining my chance to open a new bank account I have reported disputes to EARLY WARNING SYSTEMS 4 separate times about this account information has repeatedly come back accurate and complete when it is not accurate at all and I have receipts showing that I paid the balance that was owed no one is doing anything about this issue and XXXX XXXX is refusing to help even after calling multiple times and talking to multiple different people I have been going back and forth with EARLY WARNING SINCE XXXX AND I STILL HAVE NOT BEEN ABLE TO GET THIS INFORMATION REMOVED
Product: Credit reporting or other personal consumer reports

I applied for an auto loan and did not give permission or consent To ANY OF THESE PLACES!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These were all on XXXX
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 card or prepaid card

This complaint is a continuation of complaint XXXX. Since XXXX of last year I have tried to constantly resolve an issue of a balance transfer that was done in error by Citi bank. The company offered me a 0 % balance transfer rate and every month, I keep getting charged interest and I keep getting a rash of excuses of why the issue is not fixed. I've heard, well, your payment was late, you do not have a promotional rate, and the last couple months is, that is interest that was carried over and we will remove in on the next statement, but they expect me to pay the interest which is forcing me to pay more than the minimum balance every month. Since XXXX, the interest is detailed on my statement as XXXX XXXX XXXX like part of the offer is subject to interest. I have tried to resolve this and keep getting the lame excuses of why it is happening and the continued harassment and what has actually amounted to about 12 hours of my time, wasted. Phone calls, complaint letters, pouring over statements, etc. This time, I spoke with XXXX XXXX, XXXX. I am asking for the Bureau to step in and make a phone call because my actions of calling, complaining, and writing letters does not seem to be motivating enough to fix the problem. All someone has to do is go into the account and type in the right information and this seems to be too difficult for Citi bank. Citi bank is being willfully negligent at this point.
Product: Credit reporting or other personal consumer reports

I have had two Derogatory marks on my credit and they have been there for more than 7 years I have tried reaching out but to no avail and I know after 7 years they are suppose to fall off my credit report however they haven't
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX continue to report inaccurate information on my consumer report. This information is damaging my consumer report and causing me to be denied credit. There are several addresses on my consumer report that DO NOT belong to me. I have requested that the reporting agencies remove this inaccurate information and they have failed to comply. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Checking or savings account

Hello, On XX/XX/XXXX or XX/XX/XXXX I visited my local PNC Branch at XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX in order to close my account. I do not know the specific date as I receive no official documentation about my account closure. 

During this transaction, the teller verified my information, took my debit card, and informed me that my accounts are closed. 

It turns out that behind my back, they only closed 2 out of 3 accounts I had with them. My main checking account remained open. 

I learned this fact because throughout XXXX transactions were still hitting that account and PNC has been charging me Over Draft fees for each instance this happened. I was always quick to remedy these charges. 

The most recent overdraft fee was a result of a transaction on XX/XX/XXXX for {$91.00} and one on XX/XX/XXXX for {$20.00}. The first resulted in a balance of - {$89.00} Since I assumed the account was absolutely closed, I did not monitor the online account on a daily basis, and I received an email towards the evening when I was not able to make it to a PNC bank to rectify the situation in person and did not even have a debit card to do so at an ATM. 

I ran through my options to try to fix the account and decided to do a direct money transfer from my new account to the PNC account. 

The first transfer was initiated on XX/XX/XXXX for an amount of {$89.00} to bring it back to XXXX. 

The next day the {$20.00} transaction hit my old account and I immediately initiated a transfer for the amount on XX/XX/XXXX. 

Therefore *I had transferred the funds the, same day they hit the PNC account*. 

The funds ended up posting on XX/XX/XXXX and XX/XX/XXXX, resulting in 2 {$36.00} overdraft fees. 

I talked to a woman named XXXX from the Escalated Fee Department and her subordinate and they were not able to understand my situation and were not able to reverse the overdraft fees. 

I am feeling like I basically got defrauded when my account was not closed. After 8 years with PNC, I see how they really treat their customers. 

My argument is the following : 1 ) PNC did NOT close my account when I asked them to close my account -- they took my debit card and cut it up, but did not close the account when it was zereoed out. 

2 ) This lead to me assuming that the account was closed. I had a reasonable expectation that transactions would simply be declined because the account is not open anymore. 

3 ) Though they didn't close my account, I still made the account whole when necessary 4 ) When I realized that the transactions in question occurred, I initiated the transfer from my new Bank ( XXXX XXXX ) assuming it would get there in time to cover the transactions 5 ) I did my due diligence while PNC Bank simply lied when they told me my account was closed
Product: Credit card

I have been a victim of identity theft for a couple years. I have had my identity stolen and there have been fraudulent items reporting to my credit that do not belong to me NAVY FEDERAL CR UN ( Account Number XXXX ), Balance {$8000.00}. Upon receiving your communication dated [ XXXX ], I was taken aback by your attempt to collect this debt via email. It has come to my attention that this action violates the Fair Debt Collection Practices Act ( FDCPA ), specifically Secction 805 ( 2 ) ( b ), which prohibits from communicating with consumers through means known or should be known to be inconvenient. Email communication for debt collection purposes falls under this category, as it is intrusive and lacks the necessary privacy afforded by other forms of communication. 
Your attempt to collect a debt via email has caused me undue distress and is a clear violation of my rights as a consumer under federal law. Therefore, I am hereby demanding the following remedies and compensation for the damages incurred : 1.Immidiate Cease of reporting this alleged debt to any Credit Reporting Agency 2 . Immediate cessation of all further communication regarding the alleged debt via email.

3. A formal apology from NAVY FEDERAL CR UNION for the violation of my rights under the FDCPA.

4. Compensation for emotional distress and inconvenience caused by your unlawful collection efforts, in the amount of {$1000.00}. 5. Reimbursement of any legal fees incurred in addressing this matter. On XXXX XXXX XXXX NAVY FEDERAL CR UNION contacted me via email on an attempt to collect a debt. Below I have an attached my FTC report as well as NAVY FEDERAL CR UNION email attempt to collect a debt that does not belong to me. ( Please See Attachments )!
Product: Debt collection

Convergent Outsourcing, INC, Balance {$240.00}, reported XX/XX/2017, Original Creditor : XXXX. I have sent numerous letters to the credit reporting agencies, XXXX, XXXX  and XXXX. I have also reached out to the debt collector to no avail. I am in the process of purchasing my first home and the above account does not belong to me. I have filed a police report in the state of Florida, where I reside. I filed a report with the FTC and I have been battling this identity theft account it does not belong to me. Please delete this account from all credit reporting agencies.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account Number- XXXX. I just received my credit report. I noticed you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a pas due balance of {$2600.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account upon completion
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid account in full that was owed to Military Star Card. Derogatory remarks were not removed. 

XXXX XXXX was settled and still showing derogatory remarks on credit report and were not removed.
Product: Payday loan, title loan, or personal loan

OnXX/XX/XXXX, I paid off and closed a " credit builder '' loan from Self. I am expecting about {$520.00} to be redeposited into my bank account, which they have said will take about XXXX days from the date of closure of my loan account. Around day XXXX, I contacted Self regarding my payout, which they said they are still processing. Today is XX/XX/XXXX, and I still have not received my payout.
Product: Payday loan, title loan, or personal loan

I received a text message reportedly from Speedy Cash claiming that I had been approved for a loan for {$5000.00}. As I had been in the market to obtain loan recently I took it to be a legitimate offer and contacted the number listed on the text message. The gentleman I spoke with had a very heavy XXXX or XXXX  accent claiming his name was XXXX XXXX, took down all of my information as if you were taking a normal loan application. Near the end of the call I began to get a bit apprehensive when he asked to obtain my online banking login username and password. I provided the information as requested, knowing that I can immediately change the information. He then stated they needed to confirm some information with the login information I given him I would contact me again in 15 minutes. When the time came to contact me, he called me back and told me that he was unable to deposit the funds into my account because my credit score was too low and the credit bureau was not allowing the payment to go through. At this point I knew that he was a roster because I am well aware that the credit bureaus have no input or control over who deposits what where. Then he told me that the reason be deposit was declined is because my credit score was too low. I advise him calmly that my credit score is currently at a {$700.00} and I'm able to look at it in real time through my bank and online banking service. He kept interesting that I needed to do something to raise my credit report score by 25 points and in order to do that they would be willing to make a series of small deposits into my account on the condition that I pay them back. He offered to deposit {$1000.00} into my account stating that I was to pay it back to them immediately about that my credit score. At this point I confirmed his first and last name and attempted to get a phone number other than the one I already have on hand and he immediately terminated the call while I was speaking.
Product: Credit reporting, credit repair services, or other personal consumer reports

At one point I had a credit score and now it doesnt show anything
Product: Credit card

On or about XX/XX/scrub> 2024 I received an email from Wells Fargo Bank congratulating me on being approved for a Wells Fargo Mastercard with a {$15000.00} charge limit and it was in the mail to me. 
I realized that I was a victim of fraud and went to the nearest branch to discuss. I have a mortgage loan through Wells Fargo. They looked up info on the credit card and it had all my info except it application showed a mortgage balance of {$0.00}. which is incorrect and an annual income of {$180000.00}. also incorrect. The banker said that the email sent to me looked authentic and was concerned as to how that happened. I asked that they close that credit card account and when I received the card in the mail I promptly cut it up and disposed of it.
Product: Checking or savings account

I am a former First Republic banking customer, who was victim of identity theft the weekend before the company 's accounts were merged into XXXX in early XXXX. First Republic placed a " freeze '' on my bank account during my last week with them ( as per their identity theft procedure ) and wrote copious notes before the IT migration. The account was transitioned into Chase Bank in early XXXX. 

Unfortunately, due to a back end IT bug, the " freeze '' put into place by First Republic has been unable to be lifted from my account for over 2 months. I have been unable to transfer, withdraw, close, or otherwise access my money. The result has been missed credit card bills, missed student loan payments, a drop in my credit score, and an ongoing " inquiry '' that has yet to be resolved. I am currently working with a case manager, but have been told numerous times that the IT bug doesn't have a viable fix and no timeframe for completion.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY BANKRUPTCY IS STILL REPORTING FOR OVER 10 YEARS WHICH IS PASSED THE TERMS