23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2022 I requested via XXXX validation of debt, or the account be removed. 
after investigation was completed, XXXX verifed debt to be accurate, by law i have the right to documentation showing this debt is accurate. please provide me proper validation this account is accurate.
Product: Credit reporting or other personal consumer reports

I have attempted to dispute inaccuracies on my credit report from XXXX, XXXX and Equifax. There are several accounts that do not belong to me and I have contacted the bureaus by phone and mail regarding the accounts in question. The buraeaus have failed to provide the information requested to prove the accounts belong to me.
Product: Debt collection

I am filing this complaint in regard to an inaccurate item on my credit report which is negatively affecting my credit. Despite my efforts to resolve this matter directly with the reporting agency, it remains unresolved. I am requesting immediate investigation and removal of this item, as it is incorrect. 
Name : XXXX XXXX XXXX : XXXX XXXX : {$710.00}
Product: Debt collection

XXXX XXXX XXXX has an account opened on my credit report in the Amount of {$840.00}. I dont know this company and dont know why they have my information or what this is. The account was opened on XX/XX/2016.
Product: Credit card

I was charged interest for the next two months after paying my bill in full 2 days late. 

I paid my bill late in XXXX - admittedly my fault. I paid my XXXX statement in full on XXXX XXXX instead of XXXX XXXX ( 2 days late ). CitiBank charged me ( a ) {$25.00} late fee and ( b ) interest on both my XXXX and XXXX billing statement. I was charged interest in XXXX and XXXX - even though I paid these statements on time and in full. 

Apparently, Citi takes away your grace period and charges interest for the next two months after any late payment. Citi charged me a late payment fee, which I admit was my fault for paying 2 days late. I accept this fact, but note that {$25.00} for a two day late payment is quite a bit. I did not expect nor believe the reasonable consumer understands that if you make a late payment you then lose your grace period for two months - in addition to being charged a late fee. It seems like the late payment penalty should be enough, but then to charge interest and not honor my grace period on statements that I paid in full because of a non-related past late payment where the bank collected a late payment fee is a bit much. 

Who would ever think that in addition to a late payment fee, the bank also accesses another late payment penalty in the form of loss of grace period or interest -- even when the subsequent statements are paid in full. So, in essence the late payment penalty is not merely {$25.00}, but rather {$25.00} plus interest on whatever you charge in the next two months. 
This loss of grace period and additional interest charges while not directly related to my late payment are being accessed as an additional penalty. 

I complained to the bank first, because I believe it is appropriate to give the business a chance to respond prior to filing a complaint with a regulator. The bank did write me back and informed me that I paid 2 days late, so the late fee was appropriately charged. Okay, fair enough. Further, the bank tried to inarticulately explain grace period and interest to me. Its explanation is nonsensical in the context of my complaint about the bank taking my grace period for two months after XXXX late payment - even when those two months ' bills were paid in full and on time! 

How is this practice not the exact thing the Card Act attempted to prevent - e.g. gotcha fees like interest rate resets. This practice seems to be unfair, deceptive, and abusive - in my humble opinion. Consumers understand that if they do n't pay on time, they will be assessed a late fee and interest for the month that was not timely paid, but I do not believe any consumer understands ( whether disclosed or not ) that on top of a late fee, the bank will charge interest on the next two months of charges - regardless of whether you pay those statements in full and on time. Absurdly deceptive! 

I would like the supervision and enforcement office to investigate this practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my SECOND DISPUTE LETTER and the accounts listed below are still reportinginaccurately on my credit report and it is in violation of The Federal Law. You are requiredunder the FCRA to have a copy of the original creditors documentation on file to verify thatthis information is mine and is correct. I have also submitted an FTC and CFPB You haveNOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information whichcannot be verified or reported inaccurately. The law is noticeably clear as to the Civilliability and the remedy available to me for negligent noncompliance ( Section 617 ) if youfail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matterto enforce my rights under the FCRA I demand the following accounts be verified ordeleted immediately : XXXX XXXX XXXXXXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Equifax, since I am not able to get my credit report with them. 

Initially they said they need proof of my identity so they request a fax with my drivers license and social security card. I did several times and received response they weren't able to verify my identity. 
Called again Equifax and they confirmed they received the copy of my social security card, driver license and request of credit report but they just don't have a credit report for me. 

They said they created a report but the credit file is just empty, no accounts is been transmitted from my lenders. They asked me to contact my lenders to verify they are doing they job reporting the credit accounts. 

I contacted my lenders, XXXX ( 2 accounts ), XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX and all lenders said the same : they are reporting to all major credit bureaus. 

Had to call Equifax one more time and they required one more time to contact my lenders. The problem is that everytime I contact Equifax they don't get anything done and change the situation, at the beginig they said it was a fraud alert, later they said it was a issue with my lenders and now they said is a problem from the Equifax Buisness department??.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2007 XXXX XXXX and Equifax have fraudulently aggressively stolen my ID .I can not retrieve my XXXX credit re po RS It does not let me dispute anything and it constantly has technical issues wants to charge me to view my info
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 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. 

XXXX XXXX, IN XXXX, XXXX XXXX Account : XXXX, XXXX XXXX Account : XXXXXXXX XXXX XXXX Account : 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 : States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes with antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The addresses reported on my credit report are not mine. XXXX completely ignored our request to remove the wrongly reported address. I am in the process of buying a house and this is causing dearly.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a request for my husband and my free annual credit report from the XXXX credit reporting agencies. At the bottom of the front page of the request, I wrote, identification on other side and I put an arrow pointing to the other side. The other side contained a copy of my driver 's license and my social security card. I did the same for my husband. Equifax ALWAYS, requests for my family to again send what we have already sent. Almost every time I request a report from Equifax, they request my identification, even though I submit it with every request. It is very frustrating that Equifax causes me to have to send another request with the same information I already sent. This must be a way for Equifax to not timely provide the requested free annual credit report. I attached a redacted copy of the reports requested and a redacted copy of the letter we just received from Equifax.
Product: Credit reporting or other personal consumer reports

I never applied for there credit card but they have pulled a hard inquiry on my credit report to open a card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NOTICED ACCOUNTS DISPLAYING ON MY CONSUMER REPORT THAT ARE IN VIOLATION TO MY RIGHT AS A FEDERALLY PROTECTED CONSUMER. I DEMAND THESE ACCOUNTS REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 
XXXX XXXX Auto-acct # XXXX bal : {$0.00} opened : XX/XX/XXXX XXXX XXXX Auto-acct # XXXX bal : {$0.00} opened : XX/XX/XXXX Pursuant to 15 USC 1681a ( 2 ) ( B ) Any authorization of a public extension of a credit directly or indirectly by the issuer of a " credit card '' or similar device should be excluded from a consumer report. The definition of a " credit card '' under 15 USC 1602 ( l ) which states ; the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
Notice, Congress said " ANY '' card ; which is MY SOCIAL SECURITY CARD. This is the credit card used to originate every consumer credit transaction listed above. Remove them from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ) immediately as you are in violation of my rights as a consumer.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am submitting this complaint on my own without any involvement from a third party. I have attached a letter providing more details about the items being reported on my credit report. The items listed in the attachment are all unauthorized inquiries. I have not had any transactions with the entities associated with these inquiries, and none of them have been verified. I kindly request that you block or delete the unauthorized inquiries listed in my credit report.
Product: Credit card or prepaid card

I was informed by a letter in the mail in XX/XX/XXXX that a XXXX Credit Card was issued in my name. I called into petland and let them know that there was a mistake as Ive never opened a credit card with any store and never would. I gave them my information such as my address, phone number etc and none of my information matched what they had on file for me. The woman I spoke to was part of the fraud department and she assured me that she would close the account and mark it as fraudulent. Ever since I spoke with this woman back in XXXX XXXX now has my up to date information that I provided them with and they are trying to make me pay for an account that does not belong to me. They tell me that the information they have matches up to me but that is not true because the only reason they have my information is because I willingly gave it to them so they could contact me after closing the account and marking it as fraud.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


Account Name : XXXX XXXX XXXX XXXX XXXX # XXXX ( Date Filed/Reported XX/XX/year> ) Account Name : XXXX XXXX XXXX XXXX  XXXX # XXXX ( Date Filed/Reported XX/XX/year> )
Product: Checking or savings account

1main Financial of XXXX XXXX Illinois submitted multiple, unauthorized drafts to my checking account with XXXX XXXX XXXX located in XXXX XXXX, Il causing the bank to CLOSE my checking account and Savings account. 

They drafted my account EVEN after I submitted a payment. 

Now I owe the credit union over {$300.00} in overdraft fees and worse, 1main has levied non-sufficient fund fines on top of my loan with them. Isn't this illegal??!? What can be done?
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally had an account with XXXX that has been paid in full. I have documentation show that the account has been paid in full. XXXX is also reporting a {$0.00} balance. This company named XXXX XXXX XXXX is somehow reported that I owe them {$54.00}. I have requested this be removed from my credit report. XXXX XXXX XXXX has refused to do so. I have made several attempts to contact the company, but no one has responded to my letters, phone calls, and emails. Please have them remove this inaccurate information from my credit report.
Product: Checking or savings account

Saturday night ( XX/XX/23 ) I was enjoying a musical with my family and had my notifications silenced. At the conclusion of the musical I was checking my email and noticed I had an email saying that my new NetSpend account had been set up with alerts, a bank account had been linked. This scared me so I immediately called the number on the email XXXX. I was unable to speak to anyone and there were no options for a fraud line. Thus, I followed up with an email to them to notify them that this was a fraudulent account. I received an email saying that they weren't able to locate my account with the information given. This, to me, shows a clear lack of security protocols in place. If a company sends an email, and asks " If you did not do XXXX  please email [ provided email address ] '' and then doesn't do anything about it when you actually try and warn them that there is fraud taking place seems unethical and negligent.
Product: Vehicle loan or lease

We paid off our loan on XX/XX/XXXX. Our final payment was over in the amount of {$2900.00}. 
We were told funds would be released after ten days. 
On XX/XX/XXXX, we had not received the refund of funds so called to check on refund. We learned they had been sent to our physical address where we do not receive postal service mail. We were told a new check would be issued and sent to our P.O. Box. 
We called on XX/XX/XXXX to check on status of check, as it had not yet been received. We were told ( by customer service rep XXXX ) that a check had been mailed to our P.O. Box on XX/XX/XXXX, and we should continue to wait to receive it. 
We called back on XX/XX/XXXX to check status, and were told by supervisor XXXX that a check had been mailed on XX/XX/XXXX to our physical address, and they saw no evidence of any other checks having been sent. XXXX issued a case number, and said a new check would be overnighted for receipt by XX/XX/XXXX.

On XX/XX/XXXX when check was not received, we called and spoke with manager XXXX who said that a check had been sent, but in no way expedited, and we should wait 7-10 business days to receive that check. 
The banks phone system called us back about 30 minutes later, so we ended up speaking with customer service rep XXXX, who told us a check had been mailed to our P.O. Box on XX/XX/XXXX. When we asked her about the XX/XX/XXXX check she transferred us to supervisor XXXX. XXXX iterated that a check had been sent on XX/XX/XXXX, was not able to be expedited, so we should wait 7-10 business days for that check to arrive. 
At every turn, received different and conflicting information from each representative at 5/3 Bank, and were repeatedly asked to just keep waiting to receive the refund of our money. At no point were they willing or able to provide a more constructive or traceable solution to these many checks supposedly sent, but never received by us. In the mean time they have been in possession of nearly {$3000.00} of our money for a month, they the holidays and the turn of a new fiscal year.
Product: Mortgage

I refinanced my mortgage with Nationstar XXXX 2015. At the time of refinancing I had {$1700.00} in my escrow account and they only gave me credit for {$870.00}. I asked the closing attorney ( which they supplied ) and he said they would probably send a check. I just received a bill from the for {$300.00} because of an escrow shortage. I called and spoke with XXXX and she says that that money was applied to something else however she could not tell me what. But that my escrow showed an overage and if they sent it to me i would just have to send it back to them. I asked her was it even legal to just disperse my escrow money as they saw fit. I have called several time and left voicemail messages for her ( XXXX XXXX XXXX ) but she will not return my call. So I have {$870.00} floating around somewhere. I was not told it would be used for closing cost as I was under the impression that I did n't have any.
Product: Checking or savings account

I instructed the bank to close my Regular Savings Account and to transfer all the funds from Regular Savings to my Checking Adv Plus account. 
Unfortunately they made a mistake, they transferred funds as instructed, but they closed the wrong account ( Checking XXXX XXXX account ), they closed the account that had all my funds and I was left with no access to my money and no one knows where the money was transferred to. 
I have XXXX Balance in both accounts. 
I was on call with XXXX agencies XXXX after the other for almost XXXX hours and they could not resolve the issue.
Product: Debt or credit management

I am writing to dispute several items on my credit report that I believe are inaccurate and fraudulent. My personal information was compromised in a data breach, and as a result, accounts that do not belong to me appear on my credit report.
Product: Credit card

I got this Milestone Mastercard from XXXX XXXX XXXX XXXX and its through Concora Credit you can already see the problems starting to show. When i make a payment it takes forever for payments to post. They rattle off from a script about it can take up to 13 days to post spoiler alert, it always does. Probably business days, and Saturday doesnt count at all, naturally. They casually suggest that i can make a payment via XXXX which will post faster. Except, i dont want to pay an extra fee for something Normal Cards do for free. These are very anti-consumer practices. Also, when i got this card, there were no limits on cash-advances, etc. Payments also posted faster, then after 30 days they capped my cash advances and started refusing to post payments in a timely manner. I have worse cards ( in terms of limit and interest rate ) that are more consumer-friendly,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account Account name XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account Name : XXXXXXXX XXXX Account number XXXX Account Ending In : XXXX Account Name : XXXX XXXX XXXX Account XXXX account ending in : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  Account XXXX Account ending in:XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account number XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXXXXXX 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: Credit reporting

I have disputed several reports on my Experian credit report. After repeated request for XXXX to mail me an up to date credit report showing the corrections that were made and my current credit score they have failed to comply with my request.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ] Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Demand for Release of Funds Dear Sir/Madam, I am writing to formally request immediate action regarding funds I believe are being wrongfully withheld under my name. I have evidence indicating that hidden financial instruments, including bonds, have been issued in my name without proper disclosure or authorization. 

Under applicable laws, including but not limited to the Hobbs Act and other relevant federal regulations, I demand the release of 80 % of the funds associated with these instruments. Failure to comply within 14 days will leave me no choice but to pursue legal action, including reporting this matter to federal authorities for further investigation. 

Please treat this matter with urgency and ensure a thorough investigation. I am willing to cooperate to resolve this issue amicably but will not hesitate to exercise my legal rights to protect my financial interests as an investor.

You may reach me directly at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are reporting incorrectly a collection/charge-off in the amount of {$2400.00} on the XXXX XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was opened fraudulently by my ex-wife. I did not give her permission to open this account nor did I authorize this account to be opened. The incorrect reporting of a collection/charge-off an account that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This complaint is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my previous letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

XXXX XXXX  XXXX Date Opened XXXX Balance XXXX XXXX-Late/Open Late Dates XXXX, XXXX XXXX XXXX  XXXX Date Opened XXXX Balance $ XXXXLate/Closed Late Date XX/XX/XXXX, XXXX XXXX  XXXX XXXX Date Opened XXXX Balance $ XXXX Late Date XX/XX/XXXX, XXXX/XXXX  XXXX XXXX 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 were settled with insufficient balances despite initially available funds. I believe these transactions are unfair and request investigation into my account transactions.
Product: Checking or savings account

Unnecessary overdraft fees repeatedly charged to my accounts and tellers were unable to explain the fee charged but highly demanded they be paid resulting in closing my accounts