23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX 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 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 to any 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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

During Covid-19 we received a letter from 53rd Bank stating us to call and discuss forbearance options. Till date, my wife and I both are employed and have been diligently making mortgage payments. 
We decided to call the bank and discuss that we are not interested in forbearance and that we will continue to make payments which we did. However, 53rd had put our credit and our account status in forbearance and this has caused a lot of financial problems for my family. 
We are closing on a purchase of a vehicle and I can not proceed as they have flagged my SSN and account to list as forbearance. I will attach statements as proof that we have been making payments, they charged us with fees that are unjust. 53rd classified these fees as late payments, whereas we have been making payments diligently every month. 
To say the least, we are very dissatisfied with their customer service, their legal department and their supervisors. No one was ready to assist us when we reached out to customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX billed charges initially to to the wrong Insurance company when they should have sent the bill to XXXX. Before they fixed that they sold their billing to a collection agency. XXXX XXXX submitted the bill to XXXX and was paid by XXXX. They subsequently sent me back a refund for the overpayment I had made. XXXX XXXX, the Collection Agency does not recognize that and is using Transition as muscle. I sent All three reporting agencies the details and XXXX along with XXXX fixed the problem. TransUnion did not do anything with it and continues to report negative collection information. XXXX XXXX refuses to acknowledge any facts.
Product: Credit card

Navy Federal Credit Union is reporting a credit card collection account on my XXXX credit report that does not belong to me. For a brief time, I had been added to this credit card as an authorized user back in 2010, but the authorized user status was taken off over 6 years ago. I have disputed this account at XXXX several times, but Navy FCU refuses to take it off of my credit report.
Product: Debt collection

They are calling for someone that is not me They wo n't stop calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently purchased a property in XXXX. However there are several hard inquiries that are negatively impacting my credit score even months after my purchase. I was told these would not hurt my score but that is not the case as I see these are being factored in : XXXX XXXX, 2017 CREDIT PLUS XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2017 CREDIT PLUS XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CREDIT PLUS XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2017 XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit card

Synchrony Bank did not honor its commitment to issue credit for a ONE_DAY late fee of {$25.00} in XXXX 2015. The promised credit was deducted from the payment and Synchrony charged an additional late fee and continues to charge additional late fees. I do not acknowledge the late fees and have tried, in good faith, on several occasions to get Synchrony to credit them off XXXX now {$240.00} XXXX. They refuse to do anything but bully me with their canned responses, incompetent personnel and it 's " my-way-or-no-way '' attitude. 
I have continued to make my regular monthly payment on my Sam 's card and will do so. 
I like to shop at Sam 's, but am denied this experience because Synchrony Bank 's " system '' is designed to strangle trade for their client 's customers!! 
I intend to inform Sam 's Club Investor 's Committee of this situation also. 
I realize to Sam 's and Synchrony this is a very trivial matter, but to me it 's a biggie, morally and economically. 
Any help from the CFPB is deeply appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not satisfied with the result I got from my Experian report. There are so many errors and incorrect information reported which I had previously included in my written letters. I requested for this incorrect information and inquiry to be removed but no action has been done. Considering that they neither reached out to me nor submitted any kind of proof to justify their result. This time, I am asking for you to help me to have this incorrect information and inquiry removed or have anyone from Experian contact me about the status of my concern. Here are the incorrect information and inquiry that I am trying to dispute : XXXX XXXX XXXX MI XXXX XXXX US SM BUS ADMIN ODA Date of inquiry XX/XX/2020
Product: Credit reporting or other personal consumer reports

Experian, XXXX, XXXX Subject : Formal Dispute and Demand for Removal of Unauthorized Inquiries Dear Experian, XXXX, XXXX I am writing to dispute multiple unauthorized inquiries listed on my credit report. These inquiries, both hard and soft, were not initiated or authorized by me and violate my rights under the Fair Credit Reporting Act ( FCRA ). Below are details of the disputed inquiries : HXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the FCRA ( XXXX U.S.C. XXXX ), credit inquiries may only be conducted with explicit consumer consent or under permissible purposes, such as a direct application for credit or a pre-existing business relationship. Inquiries made without authorization are a violation of federal law and may also expose me to identity theft risks.

Additionally, under the Maryland Consumer Protection Act ( 13-301 et seq. ), unauthorized credit activity and reporting may constitute unfair and deceptive trade practices. These violations not only harm my creditworthiness but also undermine my rights as a consumer.

Requested Actions : Immediate removal of all unauthorized hard inquiries listed above.

Verification of the permissible purpose for all soft inquiries, along with their removal if unverifiable.

A written confirmation of the removal and an updated credit report reflecting these changes.

If these unauthorized inquiries are not resolved within 30 days of this notice, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Maryland Attorney Generals Office. I also reserve the right to pursue legal action under the FCRA for damages caused by this inaccurate and unauthorized reporting. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
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 this account ( A ). 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. 
It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Av, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX, XXXX. XXXX Open Date XX/XX/2018 Balance : {$0.00}
Product: Credit reporting

I have been disputing a fraudulant account that is on my credit report. XXXX XXXX keeps sending back that it is mine but it is NOT. It is affecting my credit score and my ability to obtain credit. I have been disputing this fraudulant information for months and am requesting to please remove this fraudulant account off my report.
Product: Checking or savings account

I opened a checking and savings account with BB and T in XXXX, Georgia. 
The bank ordered me a debit card. I never received the debit card from them so I requested a new card be sent to me. They sent me the new card but the bank accidentally attached the debit card to my savings account instead of my checking account. I used my debit card as usual ( thinking it was attached to the checking account ) and on XXXX XXXX, XXXX, I was charged a XXXX time activity fee of XXXX for excessive withdrawals/used of my debit card. I called the bank on the XXXX and the customer service agent said he could refund me XXXX. That is not nearly enough. 

I visited the bank on XXXX XXXX XXXX. I went into the bank to speak with them XXXX XXXX XXXX XXXX when I noticed the statement activity fee charge and the phone call only resulted in the XXXX credit. They immediately took that debit card saying it was a mistake, and they issued me a new debit card attached to the correct account. They said they would have to forward the issue to an upper level manager for approval to reimburse the funds. In the meantime, there had been an additional XXXX} in activity fees also added to my XXXX statement for the same problem. ( Charges prior to me visiting the bank to inform them ) Total activity fees that have been charged to me for excess use of my savings account was XXXX 

It has been XXXX weeks and I have not been reimbursed. I have called and emailed many times and no one is able to solve the problem as of yet. I did not know that the card was attached to the incorrect account, my phone app that the bank said to use showed both accounts as checking and the amount was not taken each time I went over rather it was charged as a XXXX time large fee at the end of the month so I would have had no idea there was a problem until I read my bank statement. 

This is an excessive amount of money that I would like to get back asap so I can pay my bills. Thank you so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your investigation did not fix error in my credit file. I have informed you already that my report contains inaccurate and incorrect account that results of identity theft. XXXX already deleted this from my report and you should also comply with the law. This account must be remove and delete from my report asap.
Product: Checking or savings account

On XX/XX/2022 I was requested by Bank of America fraud claims department to go to my nearest branch to identify myself due to my identity being compromised. On XX/XX/2022 I submitted a claim with CFPB addressing my concerns with the branch malpractice / negligence. The company responded on XX/XX/2022 only addressing the fraud that happened on my Bank of America account. The company failed to address the malpractice I mentioned when I visited the branch on XX/XX/2022. The company has not reached out to me regarding my concerns of banking negligence.
Product: Mortgage

My home is located in South Florida in a county that was affected by Hurricane Irma. I was offered forbearance option from my Mortgage Servicing  company SPECIALIZED LOAN SERVICING for 60 days after which I was offered to apply for loan modification. I did but SLS was losing half of my documents every time I sent them, because of that the process was delayed on their end. During this time I was in constant communication with them and they told me multiple times that they will not report late payments as long as we are in the process of a loan modification. 
Unfortunately this morning ( XXXX/XXXX/XXXX ) they did report the late payments. 

I am in the middle of applying for a mortgage and my credit score went down by XXXX points. At this point, I can not close my loan anymore. 

I tried talking to them multiple times, unfortunately, they do not know anything and can not do anything for me. 

Please help me as this issue is v ery time sensitive. 
Their address is : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX, ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I have incorrect and unauthorized inquiries on my credit report with TransUnion.
Product: Student loan

I had a semester at my university that I wound up withdrawing from when my father spent several weeks nearly XXXX in the hospital, during the same time my grandmother died, and I, myself, experienced symptoms of what I later found out was XXXX  ( at XXXX! ), all while having a lot of conflicts with faculty members. I couldn't get a refund and for the next 2 semesters, I was JUST short of paying, using the subsidized loan, and took out very small loans from Navient. This was fall of XX/XX/XXXX.

I'm an autistic man who is having difficulty finding work, even with an XXXX degree. It's XX/XX/XXXX. Somehow, my total student debt, which was about XXXX at graduation, is now nearly 30,000. I deferred as long as I could and went on income-driven replacement with XXXX income when that stopped being an option.

What almost always happens is that Navient doesn't notify me when I need to fill out a new application for income driven replacement, I miss a payment deadline, get some kind of fee, and have my debt buildNot to mention that 6.2 % is a CRIMINALLY high rate to charge a person for education, when civilized countries in the world have education free. I have strong suspicion that Navient gets extra fees from customers by design.

My credit is going to be too low for me to get an apartment if I try to move anywhere for employment.

This is just not right.
Product: Bank account or service

On XX/XX/2016 my bank ( Synovus XXXX XXXX XXXX XXXX sent me an e-mail stating a check I had authorized was not cashed ( as the date had expired ) so my account would be credited. 
On XX/XX/XXXX I called said bank ( talking to XXXX in customer service ) advising that my acct was closed so they would have to issue me a direct check. She was to call me back. 
On XX/XX/XXXX I called again as they did n't & talked to XXXX explaining all. He said check would be a re-issued within a week. 
On XX/XX/XXXX I called again & talked to XXXX who said check was sent to my former address on XX/XX/XXXX. Said would re-issue to my new address. 
I still do n't have my money!!!!!!!
Product: Credit reporting

This is a weird XXXX. I submitted a Dispute through transunion and it was for something small on an account that hadnt been marked Closed as on the other XXXX CR agencies. This took place on XXXX. Now here is were it gets weird. On XXXX XXXX my credit score on XXXX dropped from XXXX to XXXX. Now knowing this, there was no change on any of my credit reports maybe very minor but nothing that should have caused my credit score to drop. All three of my credit reports are basically the exact same with very very minor differences on closed accounts but thats it. The other weird thing is that at the same time my other XXXX credit scores went up from XXXX to XXXX all within the same week. Ive tried to call Transunion but Im on the longest scheduled deployment in naval history so usually dont get much time on land and they wouldnt help. Any assistance would be greatly appreciated. XXXX XXXX
Product: Money transfer, virtual currency, or money service

The wire transfer from my joint account with my wife occurred sometime around XX/XX/year> The sum was {$51000.00} The Chase Bank XXXX XXXX XXXX in XXXX XXXX. 
The wire transfer was done late in the evening. 
The bank did not take any action to protect our money. 
My lawyer says that Chase has policy that any transfers above XXXX must be in person. 
XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a personal loan online. The got all my information including SSN, Bank Routing and checking accont number, etc and without me agreeing or signing any contract the email they sent says I owe 20 payments of {$340.00} every two weeks for a XXXX XXXX loan!!!
Product: Checking or savings account

Hello, I contacted Chime on XX/XX/XXXX approximately XXXX XXXX XXXX, regarding an unauthorized ATM withdrawal that had occurred on my checking account. Someone withdrew {$40.00} from my checking account on XX/XX/XXXX at XXXX, yet I have the card in my possession. I spoke with a female agent who blocked the card and provided a temporary card for me to use until I received my new card by XX/XX/XXXX. On Monday XX/XX/XXXX, I called and spoke with another female agent who advised there was no record of a dispute in process. She started the dispute process asked me questions, closed the compromised card ending in XXXX and, advised the investigation could take up to XXXX plus days. I received an email on XX/XX/XXXX advising their investigation was concluded and that there was no wrongdoing. They advised they would not be refunding my {$40.00}. I called on XX/XX/XXXX and spoke with XXXX who was very understanding and apologetic. I informed him of the email I received and that I would be filing complaints against Chime because this process took only XXXX days to research, and I feel they did not perform a thorough investigation. I offered to send a copy of my driver 's license and passport so they could compare the atm camera to my picture. I've spoken with a total of XXXX different agents regarding this unauthorized withdrawal. I can not understand how someone could withdraw funds from my account when I have the card in my possession. Please help me obtain my funds back. XXXX dollars may not be much to some, but I'm XXXX, and every XXXX counts to me. I'm very disappointed in Chime because I love the bank and what they offer. I thank you in advance and look forward to hearing from you. You may contact me at XXXX and my email address is XXXX. 

Thank you, XXXX XXXX
Product: Debt collection

On XX/XX/XXXX a " Validation of Account '' memorandum was sent to PINNACLE LLC XX/XX/XXXX with a Certified Mail Receipt ; [ tracking # XXXX ] receivedXX/XX/XXXX. 

PINNACLE LLC XX/XX/XXXXresponded XX/XX/XXXX8 ; ( 38 ) days after receipt of memorandum for Validation of Account. This is ( 8 ) days past the ( 30 ) day limit under the Fair Credit Reporting Act. 

PINNACLE LLC XXXX and its XX/XX/XXXX response " did not '' validate the account ; they only sent a copy of the bill, with no supporting documents such as signature on a application for service or contract he may or may not have signed. 

PINNACLE LLC XX/XX/XXXX sent a copy of the original bill with no proof of where or when the contract started or where service was established. 

This failure to respond within the ( 30 ) day limit as well as failure to validate this account are contrary to the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following accounts but the credit reporting agencies did not justify continuing reporting these unauthorized accounts, I'm demanding that this accounts be blocked immediately from my credit report. If not please provide physical certified documentation to support your reporting. The disputed accounts are, ( 1 ) XXXX XXXX XXXX {$0.00}, ( 2 ) XXXX XXXX {$570.00}, ( 3 ) XXXX XXXX {$7600.00}, ( 4 ) XXXXXXXX XXXX XXXX  {$0.00}, ( 5 ) XXXX Finance {$0.00} ... 
Please remove immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; WF CRD SVC XXXX XXXX OF XXXX XXXX WF CRD SVC XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX OF 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 XXXXXXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX I have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.
Product: Debt collection

Monarch Recovery has called me 8 times in 7 days from 2 numbers which violates my rights. 

XXXX XX/XX/year> at XXXX PM EST XX/XX/year> at XXXX AM EST XX/XX/year> at XXXX AM EST XX/XX/year> at XXXX AM EST XXXX XX/XX/year> at XXXX AM EST XX/XX/year> at XXXX PM EST XX/XX/year> at XXXX AM EST XX/XX/year> at XXXX PM EST