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

Detailed explanation on denial when I receive no denial letter whatsoever and only minimum information was requested to be provided my drivers license was not asked for nor previous addresses nor can you resubmit a application with your previous provided information at a later time if specific reasons are not provided for why inaction took place in regards to a consumer account a consumer would be unable to understand what the issue is in one either fixing and removing the issue at hand effectively being unable to clear it up with consumer bureaus or the information may be completely inaccurate and associated to the wrong file and the consumer would never know what the issue is. The reason could even be a unable to identify file based on the address since they do not ask previous address. Regardless I feel that this institution picks and choices who it allows to become members and that I also feel that could be discriminatory in nature you can not provide a generic denial or generic security issue message and not follow up with additional information that doesnt follow the standard practices of consumer law. More especially I feel when your income is able to be verified by banking consumer agency softwares such as plaid where you can type in your financial institution credentials and they can see your current activity in the bank to see that your income matches what was provided and to see you have little to no security risk. 

Dates event occurred as I contacted chime on numerous occasions by social media and email either getting a generic response or no follow up whatsoever XX/XX/2020, XX/XX/2020, XX/XX/2020 I feel I am being discriminated against as Im not being allowed to know why exactly this account is not being granted nor am I able to provide proof to overturn whatever theyre system is saying.
Product: Vehicle loan or lease

I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report and to request an immediate investigation under the Fair Credit Reporting Act ( FCRA ). As a victim of identity theft and the XXXXData breach, my personal information has been compromised.
Product: Credit reporting or other personal consumer reports

This serves as my formal complaint to BANK OF AMERICA. I am writing you and your company with a goodwill request. I have kept a good paying history with you. I noticed a late payment on my credit report which is a result of a payment misunderstanding. I typically have my account on automatic payment but misunderstood how the online system worked. Im asking as a long-time customer to please remove the late payment dated XXXX, XXXX  since it has been settled.
Product: Debt collection

My original debtor sold my Account to LVNV Funding LLC with out a written consent to me. I Have never signed a contract having a debt or authorizing LVNV to have my personal information/DEBT. I believe it was wrongfully sold therefore causing this company whom i owe nothing to, to harass me and obtain my personal and confidential information. I am writing to formally demand that LVNV Funding LLC cease and desist from [ specific actions or behaviors, e.g., unauthorized use of my intellectual property, harassment, etc. ]. LVNV Funding LLC actions are infringing on my rights and must stop immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX military member on XXXX XXXX. I recently pulled my Experian report and noticed Experian is reporting an account inaccurately on my consumer report and have yet to remove the account, which is a violation of the FCRA section 611. I have sent Experian a dispute letter and i have disputed the inaccurate account online. Experian keeps saying it's verified without giving me any documentation on how the account was verified. I am the consumer, only i can verify the account. This inaccurate reporting of this account is ruining my reputation and might cause me to lose my security clearance with the United States XXXX, which i could lose my job.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Santander consumer USA to fix some false late reporting of my car payment. They have reported to the XXXX XXXX  and XXXX XXXX that I made five 30 day late payments this is not correct. The vehicle was paid off early. 3 years earlier that it was supposed to be.
Product: Credit card

I entered into a settlement agreement with Bank of America in the amount of {$1700.00}. Bank of America set-up installment payments to be automatically withdrawn from my account. The installments were incorrectly set-up by the bank, and I therefore defaulted on the agreement. I paid {$1400.00} of the {$1700.00} settlement. The remaining balance on the credit card then went into collections, was charged off, and was then sold to a collection agency. I did my best to pay the full amount of the settlement only to later learn it was not satisfied due to what is clearly bank error. Not only do I still owe on this account according to the bank and the new owner of the debt, but my credit is even further damaged.
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 XXXX {$4700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$850.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$730.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$8400.00} XX/XX/XXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

I have a Charge-off on my credit reports reported by the XXXX credit bureaus ( Equifax, XXXX, and XXXX XXXX being reported by XXXX ( XXXX XXXX ). This debt was a joint account with my ex-wife. We were separated in XXXX and divorced in XXXX. This debt was sold to a Collection Agency, XXXX XXXX, and XXXX XXXX has removed it from my credit report on their end. I have asked XXXX XXXX XXXX XXXX XXXX as a XXXX gesture to remove their reporting from my XXXX credit reports on their end as well. I received a letter from them stating that my request was denied and that XXXX XXXX XXXX XXXX XXXX will not remove the derogatory remark from my XXXX credit reports, and that they will keep reporting it. This account was opened in XXXX, and was charged-off in XXXX. I am asking them for their consideration in removing this derogatory item from my XXXX credit reports from each of the XXXX credit bureaus.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was given a cashier 's check by a potential customer for {$2200.00}. This amount was {$1400.00} more than my asking price of {$850.00}. I contacted the customer and inquired about the over payment. They said that this cost was to cover shipping from Los Angeles to New York. I told them that I didn't want to coordinate any shipping and that I would happily refund that portion of the payment as soon as their cashier 's check cleared in a couple of days. On XX/XX/XXXX, I logged into my account and noticed that the cashier 's check had cleared so I felt comfortable in refunding the {$1400.00}. The customer then contacted me upset about how I was withholding their money and no longer wanted to do business with me and asked for a full refund. This all seemed suspicious so I did not refund their money in full and instead contacted my bank about this check because I noticed a small error message next to it when I would log into my online banking account. The bank notified me that the check was a fraud check and that my account was going to be frozen and that they would be taking back the total check amount since it turned out to be fraudulent. My bank is holding me accountable for the {$1400.00} I paid this individual. I only paid this scam artist back the over payment in the first place because their check cleared.
Product: Mortgage

I have called for PMI Removal because my house value has gone up. After 2 calls someone put me in the system to get a letter about how to remove it. The letter came, but the final appraisal cost PHH Mortgage said to get rid of PMI was way above the 22 % threshold to cancel based on my current loan amount. I called them for clarification why the XXXX was more than 78 % my loan balanced and was told I can only email the 'PMI removal dept ' which is actually just the main customer service email. I emailed them about the 'PMI Removal department ' and my situation and received an email from regular customer service saying they 'forwarded my message to PMI Department ' and give them 10 business days to respond ... That was XX/XX/XXXX. It's now XX/XX/XXXX and I've emailed and called PHH Mortgage several times but they indicate they can only 'forward my request to the PMI Department ' ; give them more time, give them more time. But they will not give me a name, contact, or email of anyone actually from the PMI Removal Department as if it doesn't actually exists. I suspect PHH Mortgage is dragging out my request so they can keep charging me PMI and have put up road blocks like faulty laying out the XXXX threshold and then pretending they are 'working on responding '. It's been very frustrating, I hope you can help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX  XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

My account was hacked and they overturned some important things like, XXXX  which caused my business to not be active, also my business account is on hold, and I don't know what else ... I also pay child support through XXXX  ... I will be at chase in morning to do a claim...
Product: Credit reporting or other personal consumer reports

I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to XXXX XXXX XXXX for that because my cards will just get declined due to my credit score being low with all these wrong information.
Product: Debt collection

In XXXX, the Strategic Legal Group company in XXXX XXXX placed a lien on the sticker of my vehicle XXXX. The law firm used an EMAIL notice for the notification of the seizure.
Product: Credit reporting or other personal consumer reports

I HAVE RECENTLY EXAMINED MY CONSUMER REPORT AND IDENTIFIED SOME UNAUTHORIZED INQUIRIES : XXXX : Regarding the unauthorized inquiry from XXXX on XX/XX/year>, I demand immediate and decisive action to rectify this oversight. This includes conducting a thorough investigation into the unauthorized inquiries, promptly removing them from my credit report, and implementing robust measures to prevent similar incidents in the future TRANSUNION Regarding the unauthorized inquiry from XXXX on XX/XX/year>, I demand immediate and decisive action to rectify this oversight. This includes conducting a thorough investigation into the unauthorized inquiries, promptly removing them from my credit report, and implementing robust measures to prevent similar incidents in the future
Product: Debt collection

Date : XX/XX/2023 Dear XXXX, Account XXXX : XXXX IC system reference No. XXXX I am writing to you regarding the debt that you claim I owe. While I do not dispute the fact that there may be a debt that needs to be settled, I would like to request that you validate the debt properly. 
As a debtor, I have a right to know that the debt in question is legitimate and that you have the legal right to pursue it. Therefore, I request that you provide me with a copy of the original purchase agreement that shows that you legally own the debt by the original creditor. 
In addition, I request that you provide me with all statements from the open to close, the treatment given, and signed with date and time and by whom in a certified statement ( or notarized ) by the provider ( ( original creditor : XXXX XXXX XXXX XXXX XXXX. I would also like to request a HIPAA document If any from the original creditor where I have signed, treatment provided, XXXX  code ( Please make sure it is HIPAA certified ). 
Furthermore, I want to ensure that you are a legal debt collector in my state of XXXX. Therefore, I request that you provide me with a copy of your bond letter. 
I am confident that you understand the importance of these requests, as it is your legal obligation to provide me with this information. I would appreciate your prompt attention to this matter and thank you in advance for your cooperation. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized credit inquiry on XXXX XXXX report by Nationwide Credit Inc. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX AZ XXXX XXXX dated XX/XX/XXXX. I have no known accounts with this company nor have I received any communication from the company as of today, XX/XX/XXXX. 

It is stated in XXXX XXXX report that this inquiry is shared with companies that view my Consumer file, may be used in credit scoring and may impact a credit rating. 

This inquiry needs to be removed from my report.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX 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. 

Account Name : XXXX XXXX XXXXXXXX XXXX  DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX I sent XXXX XXXX and Experian a Certified Letter About Unauthorized Inquiries On My Credit Report. They Came Back Verified On XX/XX/XXXX. I Do n't Recall Authorizing, I Understand That you Should n't Be Allows To Put An Inquire On My File Unless I Have Authorized It. I Have Contacted All Credit Bureaus And They Refuse To Move Them.I have also contacted the creditors and they have told to contact the credit bureaus. and it 's just back and forth who to dispute this with. I Sent Credit Bureaus Certified Letters. Inquiries : 1XXXX XXXX XXXX XXXX 2.XXXX XXXX 3.XXXX XX/XX/XXXX 4.XXXX XXXX- XX/XX/XXXX 5.XXXX XXXX 6.XXXX XXXX 7.XXXX XXXX 8 . XXXX XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violations of the Fair Credit Reporting Act
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged postings of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card or prepaid card

I have had the Paypal card for several years. 

I have always paid on time, never once missed a payment. I use the card regularly and have never had an issue until now. 

My account was closed. No reason was given other then it was a business decision. However, I had earned a substantial amount of cash rewards. These rewards can be redeemed directly into the corresponding paypal account. I usually redeem these rewards every few months, there is no deadline. 

When they closed the account, they seized the cash rewards I had already earned. These are not pending rewards, they are rewards earned from the last few months. Again, I have not been late or missed any payments on this card. 

I have no control over whether a credit card company wants my business. However, using the financial gain of seizing rewards I had already earned as a primary reason for closing the account is fraudulent.
Product: Credit card or prepaid card

I didn't receive bills in mail, never got a card, and they had wrong address, i checked my score, seen the late payments, i called immediately & payed off the full balance with the promise they'll remove late payment credit reports im XXXX and understand the true value of my credit and do not wish to jeopardize it in any way. 

i appreciate any and all assistance
Product: Checking or savings account

I had an account with JP Morgan Chase bank for several years now and I have been involved in identity theft several times with them were someone has been obtaining my bank and card info I already filed a police report once and have record of it Im not quite sure if I have to do it everytime it happens but I have been reporting it to chase bank and today I tried to make a transaction and find out they closed my account without notifiying me and when I called to find out they said they cant tell me bank reserves the right not to inform the reasons. I want to file a complaint because I have not done nothing wrong dont understand why this happened and my money is there and I cant use it until they send me a check. I am a disable person and need my social security income and by the time I get a new bank account and inform the social security it will be too late so now everything will be delayed. I want to clarify this situation and not be delayed on my money
Product: Credit reporting or other personal consumer reports

I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX. Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX. ACCOUNT # XXXX XXXX. Account # XXXX XXXX XXXX. Account # XXXX XXXX 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.