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

Although I had two checking accounts and a savings account as well as being a customer of Bank of America for over 10years ; I was not notified in writing that my account was going to be closed or had been closed and sent to XXXX 
On XX/XX/XXXX, I spoke with the Bank of America Dispute Specialist CSR, XXXX, and she assisted me with putting stops on all of my autopayments coming out of my account and had also refunded me the NSF fees. I was instructed to send each company notices that I would need to stop all automatic drafts as well as letting them know the reason ; due to unemployment. 
The following month a few of the automatic drafts were still allowed to process for some strange reason. So I had to call and this time the CSR was not quite as helpful and sent me through a dispute process even though XXXX had noted my account. 
Moving on XXXX ; I did attempt to dispute the XXXX   issue at the branch on XXXX XXXX XXXX XXXX XXXX MO, but the banker could not retrieve any information about the account closure. 
XXXX ; I did recently dispute it through XXXX, and Bank of America sent documentation only pertaining to the overdrafts and 5months of statements. There were no letters or other correspondences included with the information showing where they had notified me of the closing of my account, or that I had disputed the autopayments. 
I have attached some of the creditors ' letters that I sent, and there should be a call record for the date of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act consumer XXXX XXXX account # XXXX, 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.

These accounts are reporting inaccurately and are impacting my livelihood. I have filed disputes to have these account removed. Please remove these accounts from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXXXXXX 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 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, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are reporting 7 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I went to XXXX XXXX to purchase my first car. I specifically told the sales rep thst I did not want my credit pulled more than one time. However the following companies pulled my credit without written authorization : XXXX XXXX XXXX XXXX XXXX XXXX & at XXXX 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 items 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 or deleted : 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 XXXX XXXX XXXX
Product: Checking or savings account

I am an XXXX, a XXXX XXXX, living in XXXX. I have an account at REGIONS BANK in XXXX, Florida, where my pension and SSA is deposited monthly. 

My ATM Card expired XXXX. I've been attempting to obtain a new ATM Card from REGIONS BANK since XXXX. Today is XXXX. I have emailed the bank multiple times explaining that I am without access to my funds until I receive my new ATM Card. 
I have even asked them to XXXX XXXX it to me. 

I continually get the same response from the bank that it can take up to 10 days to receive since I reside in XXXX. Their responses seem preprogramed with minimal Customer Service to my predicament. Now, 20 days later they're responded that instead of the 10 days they first mentioned, it can take 30 days. 

As of today 's post I still have not received my card, which leaves me without access to my money for living expenses and medical expenses. 

If you can advise me I would be most appreciative. Thank you. 
XXXX XXXX email : XXXX I
Product: Credit card

I purchased a refundable online real estate course. 

Within about two days without accessing any of the course content I reached out to the company and told them I made the purchase too fast and wished to get a refund and sent them a screenshot of their refund policy. 

They initially tried to talk me into staying and even went as far as changing there refund policy which I have proof of via the archive website. Heres the link. https : XXXX : XXXX You can see what there refund policy was on XX/XX/2023. 

After I confronted the business about them changing there refund policy and threatened to dispute and open a complaint they responded, refunded. Will remove access today After the payment cleared I immediately put in a dispute with my credit card company. Citi. 

They recently resolved the the dispute in favor of the merchant even though I have email proof that they stated they would issue the refund and I also have screen shot and digital proof from the archive website showing that they changed the refund policy to no refunds to try and get away with not giving me a refund.
Product: Debt collection

Synchrony has closed my account that was up to date which in turn stop my website usage so I cant log in to pay the account they closed. Ive made calls to ask the reopen my login information so that I may pay the bill and each time the customer service representative was rude and now they keep reporting that my payments are late. My account was closed in XX/XX/2021 and Ive called twice a month trying to get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX Balance : XXXX, XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX {$1100.00}
Product: Credit reporting or other personal consumer reports

I am writing to request your assistance in blocking fraudulent accounts that have appeared on my credit report as a result of identity theft. I was unaware of this activity and do not know who is responsible. I have not received any services, goods, or money due to this theft. 
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: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent and incorrect accounts that are keeping to be established as correct. Be sure to generate a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

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

After checking my most recent consumer report I noticed some late payments continuing to show to on my consumer report from EXETER FINANCE LLC. 
15 USC 1681a ( 2 ) ( a ) ( i ) ( 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. The law above CLEARLY states the consumer report DOES NOT INCLUDE transactions or experiences. Transactions, when broken down, is transactional history. Late payments are a form of transactional history. 
Your company is in clear violation of 15 USC 1681a ( 2 ) ( a ) ( i ) as explained above and 15 USC 1681b ( a ) ( 2 ). 15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with written instructions of the consumer to whom it relates. I did not give this company WRITTEN INSTRUCTIONS to furnish ANYTHING to my consumer report, let alone LATE PAYMENTS! Delete the late payments listed above from my consumer report IMMEDIATELY! Failure to complete the task of deleting the late payments from the above-mentioned accounts will result multiple violations of 15 USC 1681 and all of its subsections.
Product: Debt collection

They havent tried contacting myself directly but have been calling friends who arent connected to me legally in any way. They have called multiple people which would require some serious information digging or online account stalking to get information from these acquaintances. They also said, it would behoove you to call before we take aggressive actions against you. 
I feel as that is some sort of threat against me. 
I dont even know what debt they are trying to refer to- I cant find their information on my credit report anywhere & the account number they gave results in an inaccessible account from the website of the company. 
Again, they have NEVER tried contacting me directly & the lengths theyve gone to reach out to these indirect acquaintances, along with the information they share ILLEGALLY makes me feel unsure about their integrity as a company.
Product: Credit reporting or other personal consumer reports

I have been affected by the data breach. Per 15 USC 1681 c-2 states except as otherwise provided in this section a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. Please remove the following inquires from my credit report : XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

Dear Ally Credit Card Disputes, I am writing to file a formal complaint regarding the closure of my account without my knowledge. Despite numerous attempts to seek clarification and resolution, I have not received a satisfactory response from your team. 

On XX/XX/XXXX, I was informed by your Executive Customer Relations Department that a credit was issued for a XXXX charge, including interest and fees. However, there still remains a balance on my account which has not been addressed. Despite reaching out to Ally over XXXX times about both the closure of my account and the unresolved balance, I have yet to receive any resolution from your dispute department. 

I am deeply disappointed by the lack of communication and assistance provided by Ally Credit Card. As a retired service member, I find it unacceptable to be treated in such a disrespectful manner. I have spoken with several supervisors, only to be transferred or hung up on, with no tangible progress made since XX/XX/XXXX. 

I demand that my account be reopened immediately as there was no valid reason for its closure. Furthermore, I insist that the remaining balance be removed without delay. Failure to address these issues promptly will result in me taking legal action to seek resolution. 

I trust that Ally Credit Card will take this matter seriously and work towards a swift and satisfactory resolution. I appreciate your immediate attention to this pressing matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below 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  : {$0.00} ; XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit card or prepaid card

I was enrolled into credit protection for this account without my permission. Upon trying to cancel it they tell me they can't see it and to call back.
Product: Credit card

Chase bank continues to use their deceitful tactics and poor business practices. I have an auto pay set up on my account, and every time the payment comes due, the auto pay doesn't work, but every time I log in and pay manually through their site from the same account, it works every time. This is just more harassments from a shady bank. To the point that they called and reduced my credit lines because of their system not working, its just absurd.
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 authorize, 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 reporting, credit repair services, or other personal consumer reports

I have a RV Loan with XXXX XXXX  that was initially in XXXX. In XXXX, XXXX XXXX  offered its clients the option to participate in a XXXX deferred payment plan. I participated in the plan for the months of XXXX, XXXX, XXXX and XXXX. At the moment clients are enrolled in the plan, I was not notified that it would withdraw me from the automatic draft. As a result, a late payment in XXXX is being reported on my credit file as well as late payments for XXXX, and XXXX of XXXX. I was equally disturbed that my credit file indicated that a late payment was reported 30 days late for the same month of XX/XX/XXXX. For me, this was is a concern, as it is not possible to be 30 days late within the same month. Indeed this represents an error. 
I was enrolled in the automatic draft ACH payment and was told, XXXX XXXX was unable to process a payment in XXXX, XXXX. XXXX XXXX  indicated that they made an attempt to contact me via phone as this dis-enrolled me in the automatic draft system. XXXX XXXX  did not indicate the reason why the draft was not completed, and also did not suggest or prove that it was due to insufficient funds. I did not receive a call, nor did I receive a letter that I was not enrolled in the plan and as such, XXXX XXXX did not withdrawal the proper payments from my account and thus reported my account as being late to the credit bureaus. XXXX XXXX  indicated, that they sent mail during the pandemic, however US Mail delivery options were often reduced, limited, mis-delivered, or any mail not sent via certified is not guaranteed delivery during the pandemic. 

Attempts to contact XXXX XXXX during the height of the pandemic were met with multi-hour wait times, call disruptions, disconnections or being transferred to multiple specialist with further call cancellations. As of XX/XX/XXXX, I had to call and request a digital copy of the deferment letter.
Product: Debt collection

In XX/XX/XXXX, I had an account with XXXX XXXX. I was with XXXX at least since XXXX and did not enter into a contract with them since the initial 2 year agreement. When I didn't accept their offer to renew in XX/XX/XXXX and went to XXXX, they charged me a {$200.00} contract fee. I had no contract. They also did not cancel the contract when I first called to cancel. In XXXX Allied Interstate put a collection on my credit report reducing my credit score with this fraudulent debt. I even tendered a payment without the contract fee when I don't have to -- for accord and satisfaction. XXXX demanded the full amount. I disputed the debt with Allied and they provided an old bill but nothing substantiating the charges. They did not respond to my follow-up letter. This is fraud. I went to XXXX. They offered to buy out my old contract. Because I didn't have a contract, I didn't request a buy out. I attach my evidence. There was no consideration for a new contract. This is my last attempt to resolve this before I file suit.
Product: Debt collection

Accounts is with affirm XXXX AND XXXX DATES XX/XX/XXXX n XX/XX/XXXX I REACH OUT TO AFFIRM SEVERAL TIMES TO HAVE ITEMS REMOVE OFF MY CREDIT I SENT THEM POLICE REPORTS NUMBERS THEY SAID THEY NEEDED A PERSON OF INTREST BEFORE REMOVING DEBT BUT AT FIRST THEY JUST ASK ME TO FILE A POLICE REPORT STATED SOMEONE DID FRAUD TO OBTAIN ACCOUNT. AS I DID SOME RESEARCH AND DIGGING ME AND THE POLICE DEPARTMENT FOUND OUT WHO DOING FRAUDLENT ACTIVITIES WITH MY CREDIT I HAVE NEW POLICE REPORT AND LIKE FOR THIS MATTER TO BE HANDLE ASAP TO BE REMOVED FROM MY CREDIT. AFFIRM CONTACT CONTACT INFORMATION IS AFFIRM INC XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

I am writing for XXXX ( XXXX ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 
XXXX XX/XX/XXXXXXXX
Product: Checking or savings account

I am attempting to open an account with XXXX XXXX for a XXXX business checking account and I was declined. I requested the report from XXXX  and I have a derogatory report that shows no information of how it was closed. I closed my Bank of America account on good terms and it was due to questionable fees, many that were waived. I have since received an additional repayment due to a class action suit against BOA with regard to their fee structure. The original charge amount was {$530.00} and the closure status is " Not Reported '' on the XXXX report. My additional repayment amount was between $ 50-100. 

I want to resolve this as efficiently and effectively as possible to proceed with opening up the account for my business in next month or two.
Product: Credit card

fees and interest was applied to credity card even though I paid the full account on the day it was due through phone and bank checking account .Some how, American Express XXXX not process the payment for 2 days. The account was paid in full, and there was plenty of money in the account to pay all. 
American Express refused to reduce or elimate the charges, even after speaking with the representative on 2 separate occasions. I was a card holder for well over 10 years with no issues.I closed the card and refused to pay any penalties.
Product: Mortgage

I asked the company who is XXXX XXXX how many payment made to this company i want to know how many di they get al how did they get this name in my bill pay account
Product: Mortgage

I am a borrower. The house is my primary residence. I experienced hardship during COVID and a New Jersey State governmental organization Emergency Rescue Mortgage Assistance ( ERMA ) found me eligible for the monetary assistance and we signed an agreement to that extent mid-XXXX. 

Their website is : XXXX XXXX XXXX/ On XX/XX/XXXX ERMA transferred {$2700.00} towards my mortgage to my lender Flagstar. On XX/XX/XXXX I called Flagstar 's Customer Service and the receipt of this payment was acknowledged. 

On XX/XX/XXXX Flagstar sent their inspector to my home, allegedly to check if I am still occupying the property or not, and charged me {$20.00} for the visit. 

On XX/XX/XXXX I called Flagstar 's Customer Service, got to speak with a supervisor, and I was informed that even though they acknowledged the receipt of {$2700.00} from ERMA on my behalf, due to the Flagstar 's internal " process '' they are unable to apply it to my account, and Flagstar considers me to be still " technically '' delinquent on payments. 

When asked to remove the {$20.00} inspection fee - supervisor refused to do so and, moreover, threatened to send inspector to lurk around my home again, and charge me {$20.00} again. 

Today, as of XX/XX/XXXX, the {$2700.00} payment from ERMA is still not credited to my account. 

Please find attached the screenshot of my online account taken today, showing that the next payment is due in XX/XX/XXXX ( meaning they consider me to be behind on payments since XXXX even though I am current and they acknowledged the receipt of the money ). 

Also attached is the latest statement showing {$20.00} " advance charge '' for inspection of my home. 

Supervisor told me that the next inspection of my home is scheduled on or around XX/XX/XXXX and she will not cancel it, and she will charge me another {$20.00} for it.