23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I entered into a consumer credit transaction with Navy Federal Credit Union on XXXX XXXX. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to, XXXX XXXX XXXX a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges, I was not expecting a bill. I paid a cash deposit which is illegal. In XXXX of 2016 I was notified by Navy Federal Credit Union that payment was due which is a violation of XXXX XXXX XXXX. Pursuant to XXXX XXXX Navy Federal Credit Union is criminally liable. They are also civilly liable for double the amount of my finance charge pursuant to XXXX XXXX XXXX, and they are liable for each fdcpa violation pursuant to XXXX XXXX XXXX. I am demanding they remove this alleged debt from our consumer reports, remit payments to me for violations. 

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX stating your claim is disputed and validation is requested. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX XXXX or XXXX XXXX this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I overstand my right as consumer demand you to remove this frivolous information. I did not consent for this for this frivolous information to be reported. This is a violation. 
XXXX8 USC 1028A Aggravated Identity Theft Assault Please remove this information. Enclosed copy of Equifax credit report to identify.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat XXXX  to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

The installment loan that was made was fraud
Product: Credit reporting or other personal consumer reports

To whom it may concern. these inquiries are not mine, requests have been made without my consent and fraudulently, please removed these requests from my credit report
Product: Payday loan, title loan, or personal loan

I feel my privacy was violated because I did not give written permission.
Product: Checking or savings account

i havent received my {$400.00} bonus from citizens despite my account meeting the guidelines to receive the money l. they said they want to close my account thats fine, ive asked multiple times via chat and call when i should expect my money. first, i was told it would be until XX/XX/XXXX, we are on XX/XX/XXXX. i still dont see the {$400.00} in my account. then they tried to say my account didnt meet the guidelines. so i showed that it indeed had met the guidelines. i still havent received it. now they claim i wont get it because they dont know if they want to close my account despite previously saying they want to close it which i agreed too i just want my {$400.00} check mailed to me still
Product: Mortgage

To Whom it May Concern- As part of my divorce settlement on ( date ) I took a HELOC with Bank of America in the amount of {$45000.00}. 
In XX/XX/XXXX my current wife became sick and was diagnosed with XXXX XXXX XXXX XXXX XXXX, I got laid off after working at a company for 14 years. As a result of her diagnosis she was no longer able to work and was eventually placed in XXXX care. I got another job making less that I was making, I've always prided myself with paying my bills on time so as the stress and financial strain got worse I requested a modification but BOA refused. It was very difficult but I continued to make my payments every month and I continued to ask for a modifications but I was continually denied. Finally in XX/XX/XXXX the financial burden was too great and I could no longer keep up the payments on the HELOC. Eventually I received notification that the HELOC had been charged off but recently I was served a summons from BOA. They are suing for the balance owed. I am writing to you as I do not believe that BOA acted in good faith. I expressed to the bank that I was in an extreme hardship but they would not work with me and to add insult to injury they are suing me? My wife has been in and out of treatment since XX/XX/XXXX and is currently about to do yet another round of XXXX. We are both exhausted and desperate and need any help that you can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

My first letters to the credit bureaus regarding this account were in XX/XX/2022 and I have sent out letters each month since. This account is fraudulent and has been in dispute since I first seen it around labor day last year but according to the credit bureaus they have it listed as not in dispute and remains unverified in the last several months. How is this possible if I have sent repeated letters to each bureau disputing this as well as letter to the alleged creditor. These are all violations of my rights under Title 15USC1681 and I demand that CFPB investigate this. Each bureau had 30 days to verify the account and not only did they send me letters stating it was verified but yet on their own report it states that there has been no verification and it is not in dispute. I have copied the XXXX, FTC and the Attorney General for Florida.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX Account # 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.
Product: Vehicle loan or lease

When the loan was initiated, it included GAP insurance which turned out to be unnecessary. It was cancelled, and the amount of the premium was applied to the loan before the first payment was even due. The payment should have been applied to principal on the loan, but instead the lender ( KIA Finance ) treated it as if I made extra payments. Since the amount did not quite equal 2 full payments, they continually sent me notices of late payment for the remaining portion, even though every month the full amount of the required payment was made timely. I tried calling to get it corrected, but they would not even speak to me " until I brought the account current '' when in fact I was not only current but had made a significant advance principal payment. I then sent them a letter including a full explanation and an amortization schedule, which they ignored and they continued to issue inaccurate monthly statements. I have since sold the vehicle, they were paid off on XX/XX/2022 and they also got a refund for my extended warranty that I cancelled on the sale. They have had over {$2000.00} of my money for nearly 2 months now and have not yet issued a refund. When I called today they indicated that it will still take several more days because they are understaffed. They were not even going to acknowledge that they had my money until I called them out on it. This is the most dishonest lender I have ever worked with. And they do not provide any opportunity as a consumer to have them correct their error because they will not speak to you. I would never take a loan with them even for a 0 % interest rate.
Product: Credit card or prepaid card

I am a XXXX XXXX currently serving XXXX then on XX/XX/XXXX of XXXX I received an email that said thanks for your bank transfer of {$9800.00} I immediately called and cancelled my card and reported it is fraud. Three weeks later I received the email again for the same amount when I hadn't yet received my new card. I called and reported it as fraud again to which they told me they were cancelling the account again and sending me a new card. After a month they called me up and told me that it was not fraud and that I did it which is not true because I have never done anything with the bank that the money was transferred into.
Product: Debt collection

I paid the judgement in full of {$1500.00} that was owed to Allied Collection Services inc. at XXXX County Court House on XX/XX/year>. Remaining balance Due : XXXX says right on the receipt. Allied Collection Services Inc. Is saying I OWE MORE money to them INTEREST and want to collect that money IN COURT. Allied Collection filed a case 1 month after i paid that judgement .DEBT WAS PAID IN FULL!! CAN THEY DO THAT AFTER I ALREADY PAID THAT JUDGEMENT IN FULL.??? Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This bureau reported misleading information and they trespassed my rights of privacy. They have failed to do their GRAVE RESPONSIBILITY which is to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. This is a direct violation of federal law. Their negligence has caused me distress and I'm seeking litigation.
Product: Credit reporting or other personal consumer reports

Hello, I am requesting an investigation into these accounts, as there appears to be confusion regarding their accuracy on my credit report. These accounts were previously removed but have been re-added without my awareness. I was not notified of their reinstatement and have not received any mail correspondence about this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed some inaccurate information ( late payments ) regarding 2 of my accounts. The CRA has these two accounts, XXXX XXXX and XXXX XXXX XXXX XXXXo listed as late and that information is inaccurate. You can not report/treat a payment on an open ended credit plan as late for any reason. Refer to 15 USC 1666 ( B ). Also, under 15 USC 1681 ( b ) it states that I as a consumer would need to give them permission to furnish information on my behalf. To this date I have not granted any of these companies such authority. Any information must be verified and updated to ON TIME or removed.
Product: Vehicle loan or lease

To Whom It May Concern, This complaint is dealing with Chrysler Capital ( Account # XXXX ). My vehicle was paid off XX/XX/2021, Chrysler Capital received the check-in or about XX/XX/2021. Chrysler is still attempting to get me to make payment on an account that has been 100 % paid off to this current date. I have spoken with Chrysler customer service ( XXXX ) multiple times and acknowledged receiving and processing the payment. Chrysler has not updated my online account nor credit report showing the vehicle has been paid off ; however, they continue to call me attempting to collect on a debt that is no longer.
Product: Mortgage

It has been very difficult working with Interlinc Mortgage LLC as a whole. Starting from XX/XX/2020 to date.. Unfortunately, in my case Professionalism was lacking and Communication was not there ; nothing was explained to me during the loan process. I was asked to share personal and proprietary information via text message to the branch manager as well as 2 employees ... Later, I was asked to re-submit the same documents more than 3 times. The branch manager ran my credit scores twice in the same week, and again in less than 30 days. My mortgage rate was locked without informing me. The branch manager constantly talked down to me, and was not helpful at all. He reached out to me and informed me that he would take my file home with him and call me that night. I had to reach back to the branch manager to follow up. Constant promises and no results. I was scheduled to close 3 times and for various reasons that I will call mistakes, my loan has not closed.
Product: Credit reporting

I have a negative item on my report that is being reported twice under a similar name. I sent a dispute on XXXX/XXXX/2015. I received a reply dated XXXX/XXXX/2015 stating that the item is " currently being reported as a single item '' however, a report run two days after the date of their letter shows it still being reported twice.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have called customer service twice and spoken with two different representatives, neither of who was able to resolve my problem. I am unable to log into my account. When I try to log in I get a message " your account has been temporarily '' suspended. The last customer service representative said she would escalate my issue and that I would receive a follow-up email from Transunion. I have not received the email nor any updates. 

I then tried contacting customer service via XXXX XXXX as directed on the Transunion website. I filled out the requested form, but again no response from customer service. This has been going on for days with no resolution and no follow-up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a state tax lien on my credit report with Equifax. The first attempt was denied and stated that the tax lien was reported accurately and they needed additional information. I then filed another dispute with them, this time providing a copy of the letter from the courts, signed by the judge stating that the state tax lien was vacated and withdrawn because I did not live in that state during that tax year. Equifax once again denied my request to remove the tax lien from my credit stating that I needed, even MORE, information like two copies of identification, a copy of my social security card, the letter, and a bunch of other information. I was also informed by the state where the tax lien was originated that they have contacted each of the credit bureaus and informed them that the tax lien was in error and has been vacated and withdrawn. I have sent the letter out from the court ( which includes my social security number on it, so there is no confusion as to who it belongs to ) and the only bureau to give me the run around and refuse to delete the tax lien has been Equifax. This has become extremely frustrating considering I should have never had the tax lien on my report in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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 an account without my written instructions
Product: Checking or savings account

This is about Chase Bank refusing to credit a claim in the amount of {$540.00} ( or {$270.00} x XXXX. ) I purchased 2 XXXX for services at a merchant, XXXX Fix. It is clearly stated in the fine print that if you are not eligible for the services, you will be refunded. I called XXXX and they said I was not eligible because I had been seen at another location previously. I was told by a XXXX XXXX in a chat that my account had been credited. It was not. I filed a claim with XXXX. They initially credited my account, then took away, then credited, then deducted again. 
This is simple, not complicated. Beauty Fix can not return as they do not have and never saw the vouchers or any money. XXXX does not have as they say they credited my account. Yet, XXXX has debited my account! 
I can not put any more time into this. I'm exhausted from trying to explain Please assist. 
Thanks,
Product: Credit reporting or other personal consumer reports

My lease vehicle was deem a lemon by NYS lemon Law arbitration on XX/XX/2023. In the decision XXXX was to refund my payments within 30 days and my lease agreement was void. I have been back and forth with XXXX since then. They acknowledged receiving the judgement but would not do anything more. In the mean time XXXX started reporting me late on payments for XXXX, XXXX and XXXX destroying my credit score. I have submitting proof that I am not responsible for anymore payments but they continued to report incorrect information to all three reporting agencies. I have tried to get it off my report but has been unsuccessful even with the proof.
Product: Credit card or prepaid card

I recently ( XX/XX/XXXX ) opened a Premium Rewards credit card with Bank of America to take advantage of a great offer. The fee related to the card is an annual {$95.00} fee. I opened the card and began using it and was immediately charged the {$95.00} annual fee unexpectedly on XX/XX/XXXX.. I called Bank of America after reviewing my card member agreement and the online fees section to let them know that the fee on the agreement and online says nothing about charging me immediately for the fee and was told by the specialist that " we have that information here but its not on the agreement. '' My concern was passed along to Sr. Management and was told not to expect a reply. 

Today ( XX/XX/XXXX ) I called and spoke to a card member specialist and  then escalated the call to her supervisor XXXX, both very nice. Both agreed that I have a valid complaint, which is that I want the annual {$95.00} fee refunded as I assumed it was an annual fee that I would expect to see charged to my account in the 12th billing cycle, not immediately. They were unable to refund the {$95.00} fee and told me to send a written inquiry to the billing department when my bill arrives. In my opinion, this is a UDAAP violation as Bank of America omitted specific information about when the annual fee would be charges to the account ( as other credit card companies make clear in their credit card agreements ) to make the offer more appealing to consumers. Had Bank of America stated this information in the card member agreement and fees section online, consumers might not apply for the card for this reason alone. 

I simply want my {$95.00} annual fee refunded and for Bank of America update their card member agreement related to this offer to clearly state when card members will be charged with this {$95.00} annual fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$4400.00} XX/XX/ 15 U.S.C , 1681section 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 an 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. Any 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have been receiving bills from XXXX XXXX XXXX in XXXX XXXX, California & collection agencies for the past year for a medical bill totaling {$380.00} that is not mine. I am a student in college. The time the services was rendered in year XX/XX/2018, I was away in college at XXXX XXXXXXXX XXXX  in XXXX Texas. My grandmother, ( who past away last year at XXXX XXXX XXXX & I have similar names. I have reached out to XXXX XXXX health several times, sent emails as wells phone calls. No-one has responded.
Product: Money transfer, virtual currency, or money service

I am locked out of my binance.us acct and sent all the asked for documentation and havent heard back in over a week.
Product: Credit reporting

This is what Equifax sent me.. Dear XXXX XXXX XXXX : Below are the results of your reinvestigation request and, as applicable, any revisions to your credit file. If you have additional questions regarding the reinvestigated items, please contact the source of that information directly. You may also contact Equifax regarding the specific information contained within this letter or report within the next 60 days by visiting us at XXXX or by calling a Customer Representative at XXXX from XXXX XXXX We have researched the credit account. Account # XXXX The results are : This item has been deleted from the credit file. If you have Please note this is still on my account in the amount of XXXX dollars with a other company called XXXX XXXX XXXX Agency Address : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX In the amount of XXXX dollars ALERT ( s ) : Fraud Alert. 
Your fraud alert Auto Renewal is ON. Fraud Alert Expiration Date : XX/XX/2016 And I am not able to Lock my Credit Report as Equifax said with my ID Patrol ( R ) Premier account This is my complaint Thank You XXXX XXXX