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

I opened an " XXXX XXXX '' checking account with Pentagon Federal Credit Union ( " Penfed '' ) on or about XX/XX/2022. During the online account-opening process, Penfed 's website offered me an opportunity to download a completed copy of the application -- I clicked on the appropriate link but received an error message. I promptly called Penfed to request a completed copy of the application, but none was ever sent. 

This complaint involves Penfed 's deceptive advertising concerning the accrual of interest on the XXXX XXXX checking account. In numerous locations, including in the governing account agreement, Penfed states that customers " receiving direct deposits of {$500.00} or more per month '' will earn interest on the XXXX XXXX account. On XX/XX/2022, after months of receiving over {$500.00} in direct deposits, but not receiving any interest on the account, I called Penfed and was told that I was ineligible for interest on the account because my direct deposits have been into a savings account instead of the checking account. The savings account that receives the direct deposits is under my name and SSN, and appears on the same monthly statement ( and in the same online account ) as the XXXX XXXX checking account. 

Specific examples of Penfed 's misleading advertising include : 1. The " banner '' on the main webpage for the XXXX XXXX account ( https : //www.penfed.org/checking/access-america ) states " Earn up to 8X the national average on your checking account balance with monthly direct deposits of {$500.00} or more. '' Nowhere does the banner specify that the direct deposit must be made to a specific account. ( see attached screenshot ). 
2. The footnote disclosures on the above-referenced webpage do not indicate that the required {$500.00} direct deposit must be made to a specific account ( see attached screenshot ).

3. Most tellingly, the account disclosures that Penfed mailed to me state that " XXXX XXXX Checking account holder can earn dividends with aggregate direct deposits of {$500.00} or more in a statement cycle. '' ( see attached copy ). In notable contrast, the section of the disclosure addressing minimum balance requirements states that " If the direct deposit requirement is not met, a minimum daily balance of {$500.00} must be maintained *in the account* to avoid the monthly service fee '' ( emphasis added ). This language clearly shows that Penfed is able to specify when certain requirements relate to certain accounts, but it chose not to do so with respect to the interest-eligibility provision. 

None of Penfed 's documentation requires the direct deposits to go to the checking account, and a reasonable consumer would not understand this requirement. At best, Penfed 's account agreement is patently ambiguous, and the ambiguity should be resolved against the drafter. In spite of Penfed 's poor drafting, the credit union refused to credit my account for the interest I should have earned from the date of opening.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because variations of my name or incorrect versions of my name have been used and attached to my credit reports. This inaccurate information has adversely impacted my credit and has caused significant distress. 

Details of the issue : XXXX. My name is XXXX XXXX, but I have noticed that alternative spellings or variations ( such as " XXXX XXXX, '' or others ) have been incorrectly linked to my credit report. 


XXXX. These errors have resulted in inaccurate credit information being reported, including accounts or inquiries that do not belong to me. 


XXXX. The presence of these inaccuracies has negatively affected my credit score and overall financial standing. 



Actions I have already taken : I have disputed these inaccuracies with the credit reporting agencies ( e.g., Experian, XXXX, and XXXX ), but the issue persists. 

I have attempted to contact the creditors listed under these variations of my name, but the errors have not been resolved.
Product: Credit reporting or other personal consumer reports

Sale contract from Merchant Acceptance has continued to report monthly a balance that continues to increase on a closed account. Ive never made any payments to them but it reports that I have. Their court case was dismissed for illegally selling the contract and yet XXXX and XXXX continues to report. Ive disputed several times and they mentioned it was verified but I have not document showing how or through who the information was verified. The original contract was 3years for a total {$1600.00}. As of today there is a balance reported of {$2200.00}??? Merchant Acceptance has refused to tell me where the accumulation is coming from. I will provide all the paperwork I have to help I just dont know what to do as Im getting the run around about how to fix this. I did some research and found that it appears to be illegal soliciting where they knocked on my door to sell a vacuum initially I accepted but declined the next day. I still have the brand new vacuum as I told the courts and Merchants has not come to retrieve it the same way the brought it to me. Any real help would be appreciated.
Product: Credit card or prepaid card

I had a Visa Signature Cash Rewards credit card with Navy Federal Credit Union Account Number ending XXXX. This account was closed by the bank due to none payment. This financial institution has committed fraud and needs to be held accountable. While the account was open and after the bank closed the account, on several occasions NFCU, without actual authority from me or any other authorized consumer with access to this account, initiated transfers that were done by a person other than the consumers authorized on the account.These unauthorized initiated transfers happened from XXXX through XXXX from my checking account XXXX into the account ending XXXX. The actual dates and amounts are as follows : XX/XX/XXXX {$200.00} ; XX/XX/XXXX {$150.00} ; XX/XX/XXXX {$11.00} ; XX/XX/XXXX {$37.00} ; XX/XX/XXXX {$54.00} ; XX/XX/XXXX {$55.00} ; XX/XX/XXXX {$40.00} ; XX/XX/XXXX {$14.00} ; XX/XX/XXXX {$130.00} ; XX/XX/XXXX {$10.00} ; XX/XX/XXXX {$40.00} ; XX/XX/XXXX {$130.00} ; XX/XX/XXXX {$110.00} ; XX/XX/XXXX {$40.00} ; XX/XX/XXXX {$130.00} ; XX/XX/XXXX {$24.00} ; XX/XX/XXXX {$60.00} ; XX/XX/XXXX {$960.00}. The total amount that was fraudulently taken from my checking account by an unauthorized electronic fund transfer is {$2200.00}. 
According to Electronic Funds Transfers ( Regulation E ) ; 12 CFR 1005.2 ( m ) Unauthorized electronic fund transfer Navy Federal Credit Union committed an unlawful act. According to 12 CFR 1026.12 Special credit card provisions. ( d ) Offsets by card issuer prohibited ( 1 ) General rule. A card issuer may not take any action, wither before or after termination of credit card privileges, to offset a cardholders indebtedness arising from a consumer credit transaction under the relevant credit card plan against funds of the cardholder held on deposit with the card issuer. 
They continue to cause my phone to ring harrasing, anoying and abusing anyone who happens to pick up my phone. This is a violation of Telephone Consumer Protections Act, 47 U.S. Code 227 and I want it to stop immediately. 
I do not agree with what has happened to me and I need someone to help me. This has caused me stress, sleepless nights especially after losing my job due to COVID and not being able to find another job. If banks can committ fraud and nothing is done about it, I do not feel safe as a consumer using banks and allowing them to have access to my personal information
Product: Student loan

I have requested the terms of my original promissory note to be provided and Navient has refused to provide the documents corresponding to my original promissory note. I have requested a payment reduction. After being told I qualify for a different repayment plan and going through the efforts to provide detailed financial information, I was then told by Navient that I do not qualify for any payment reduction despite experiencing a financial hardship. They have refused to extend an extended repayment plan or an income-based re-payment plan. I am still in school completing a XXXX and they have refused to allow me an in-school deferment. Finally, I have requested the process by which I can apply for a reduction in interest rate or refinance given my now existing excellent credit. They refuse to give me any information about how I go about requesting a rate reduction. First I am told that I can apply. Then, I am told that I do not qualify yet they can not tell me the criteria by which one qualifies. I have also requested a release of co-signer and they refuse to provide that information.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My name is XXXX XXXX XXXX someone had opened a bank account in my name in a different city. USAA was the bank they were bouncing {$400.00} checks Until it reached in about XXXX in fraudulent cash.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been an authorized user on a chase freedom unlimited credit card for many years, but the card does not show up on my credit reports. I have had this card since before I was issued an SSN. After I was issued an SSN ( 11 months ago ), I made sure to update the information with Chase. I have already contacted XXXX to make sure that they were reporting the card to the credit bureaus. XXXX other cards that I have are showing up on the credit report, but they are less than 6 months old and thus I am not being issued a credit score. I wish to have this resolved ASAP so I can use my credit score to apply for a mortgage.
Product: Credit card

WHERE DO I START? I WAS WITH MY WIFE UP ON THE XXXX OF THE XXXX IN XXXX TUESDAY AFTERNOON WHEN DISCOVER CARD DECIDED TO SHUT OFF MY CREDIT CARD FOR NO GOOD REASON! INSTEAD OF DOING THE RIGHT LEGAL & ETHNICAL THING OF CALLING ME ; THEY INSTEAD TAKE IT UPON THEMSELVES TO " PLAY XXXX '' WITH MY CREDIT PURCHASES. I THEN CALLED THEM BACK IMMEDIATELY TO CONFIRM THAT I AM THE PERSON MAKING THE CHARGES ; THAT THIS CREDIT CARD HAS NOT BEEN STOLEN. WHEN I DID CALL BACK, I WAS ASSURED BY THE CUSTOMER SERVICE REP. THAT THE ACCOUNT WOULD BE REINSTATED. THEN I TRIED TO CHARGE SOMETHING ELSE & GOT THE SAME SURPRISE " DECLINED CARD ''. I CALLED BACK AGAIN!! THIS TIME SAME PERSON ASSURED ME MATTER WAS BEING CORRECTED? THAT THEY WOULD ALSO PUT A " TRAVEL ALERT '' ON MY CARD? THEN AGAIN I TRIED TO CHARGE, THEN GOT SAME SURPRISE! DURING THIS WHOLE TIME, MY RELATIONSHIP WITH MY WIFE WAS WORSENING BECAUSE OF THIS " XXXX ''! I CALLED BACK AGAIN, THIS TIME SOMEONE APOLOGIZED? THEN REASSURED ME THE PROBLEM WILL BE FIXED NOW? THEN I LEFT THE BUILDING GOING DOWN THE XXXX FEET ELEVATOR DESCENT FROM XXXX! WHAT A RIDE! THEN WE GO TO A NEARBY VENDOR, I WAS DECLINED AGAIN? I CALLED BACK AGAIN THIS TIME FURIOUS, THIS REP. TOLD ME A TOTALLY DIFFERENT STORY THAT THE CARD CAN NOT BE USED FOR ANOTHER 48 HOURS??!! THAT WAS IT FOR ME!! THANK XXXX I BROUGHT ABOUT $ XXXX CASH WITH ME TO 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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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

I have never made a purchase with this credit card, it was closed not long after it was opened and this debit collect keeps harassing me and calling me about 20 times a day, I already talked to XXXX and was advise I never made a purchased with this card. This is effecting my mental health as they keep calling about a charge I never made. 

XX/XX/2016 {$110.00}
Product: Credit reporting or other personal consumer reports

EQUIFAX Credit Reporting Agency XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

15 USC 1681a ( 2 ) Exclusions- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report Any payment history would be considered transactions or experiences between the consumer and the person making the report. The accounts listed below do not fall under the medical exceptions in paragraph ( 3 ). You are reporting inaccurate information on my consumer report and must remove this information immediately. 

15 USC 1681e - Compliance and procedures ( b ) Accuracy of report 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. 

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 account listed below, or a Certification from the creditor that certified the accuracy and completeness of the information/account, and not just an XXXX system validation. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 

I demand that the following account be validated or DELETED immediately : XXXX XXXX  Account Number XXXX XXXXXXXX XXXX XXXXAccount Number XXXXXXXX XXXX XXXX XXXX XXXXAccount Number XXXX XXXX XXXX XXXXAccount Number XXXX In addition, DELETE all non-account holding inquiries. Also, please add a promotional suppression to my credit file. 

You are to also DELETE all variations of my name as these are inaccurate and not my name, XXXX XXXX is the only name. DELETE all addresses in my report except XXXX XXXX XXXX, XXXX XXXX, RI XXXX, as these are inaccurate. DELETE all phone numbers that you are reporting, as these are inaccurate. 

Under federal law, you have XXXX ( XXXX ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, and shall be provided within fifteen ( XXXX ) days of the completion of your re-investigation. 

Thank you, Sincerely yours, This notice was sent out XX/XX/2023 by Certified Mail, Green Return Receipt and was signed for XX/XX/2023. Equifax responded claiming the accounts are verified. They have violated my rights under the Fair Credit Reporting Act and have caused me damage and financial hardship due to their inaccurate reporting and failure to properly investigate the accounts reported.
Product: Credit reporting or other personal consumer reports

Incorrect information reported on my Credit Report based on USC 1681b
Product: Money transfer, virtual currency, or money service

Unauthorized charges. Do not remember the date ( s ). My bank can probably see my history of changing cards because of it.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX || Date of inquiry : XX/XX/2023 - XXXX XXXX || Date of inquiry : XX/XX/2023 - XXXX || Date of inquiry : XX/XX/2023 - XXXXXXXX XXXX || Date of inquiry : XX/XX/2023 - XXXX || Date of inquiry : XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern : XXXX   XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX. Box XXXX XXXX, GA XXXX TransUnion, XXXX XXXX. Box XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Automotive XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX   XXXX XXXX : XXXX XXXX, XXXX + All Banks Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX Inquiry : XXXX XXXX, XXXX + General Clothing Stores XXXX XXXX   Inquiry : XXXX XXXX, XXXX + General Clothing Stores XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX  XXXX Inquiry : XXXX XXXX, XXXX + Sales Financing XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + All Banks Contact the inquirer : MAIL ONLY XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Automobile Dealers, Old ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Furniture, Etc. 
( XXXX ) XXXX JXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX  XXXX. 
XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX + Television & Radio XXXX Inquiry : XXXX XXXX, XXXX + Telephone Companies Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, 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 corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

I received my replacement card on XX/XX/2020. I made a online purchase early morning on XX/XX/XXXX around XXXXXXXX for a phone bill which successfully went through. I than went to try to make and I store purchase around XXXXXXXX XXXX the same day and my card continued to decline. I called multiple representatives to try to understand the issue. I spoke with 2 representatives and a supervisor. The supervisor let me know there was a block on my account because I need to validate it. When I asked why she said it was for reasons she didnt know. I asked if I could speak to someone who would and she refused. She said the only way to remove the restrictions was to fax my Id, proof of residency and my ssc. I was not comfortable doing so since I was just sent a new replacement card and spoke with cardholder services all week, let alone the supervisor couldnt explain why the restricted my account in the first place. I asked for anyone from another department or Human Resources and she refused : stating that she will not give out anyones contact others than her own. Now the government assistance money on my card is unable to be accessed while I have a XXXX year old child whom I have to care for with my assistant and I am XXXX XXXX XXXX I can not do much without the use of my government funds and they are being held for reasons unknown.