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

Hello, They were some unauthorized transactions on my account which I called to inform Chase, some of these transactions where still pending when I called XX/XX/XXXX - {$10000.00} USPS XX/XX/XXXX - {$650.00} USPS XX/XX/XXXX - {$10000.00} USPS XX/XX/XXXX - {$10000.00} USPS XX/XX/XXXX - {$740.00} XXXX XXXX XXXX XX/XX/XXXX - {$20.00} XXXX XXXX XX/XX/XXXX - {$790.00} XXXX XXXX # XXXX XX/XX/XXXX - {$30.00} XXXXXX/XX/XXXX - {$900.00} XXXX XXXX # XXXX XX/XX/XXXX - {$490.00} XXXX XXXX # XXXX XX/XX/XXXX - {$410.00} XXXX XXXX # XXXX Chase told me they were going to investigate the case and refunded this transactions and not the remaining transactions. 

XX/XX/XXXX - {$790.00} XXXX XXXX # XXXX XX/XX/XXXX - {$900.00} XXXX XXXX # XXXX XX/XX/XXXX - {$490.00} XXXX XXXX # XXXX XX/XX/XXXX - {$410.00} XXXX XXXX # XXXX I was told the reason that they werent refunding the other transactions was that the fraudster/scammer used my chip and got my pin correctly while I still had my card when I discovered the transactions. I asked the claims department to reopen my case as the investigation conclusion was incorrect but they refused which I asked them to connect me with the Executive Office so the case can be reopened as they didnt want to provide my funds. I spoke a lady from the executive office named XXXX and she guaranteed the case would be reopened and would try to make sure I get my funds back into my account ASAP while stating she would provide regular update as she get more information from their investigation. Ive gotten two updates but just stating the same reason the claim department said and still said the case is being investigated. 
All of the sudden, the reversal for one of the unauthorized transaction was being reversed leaving my account in the negative/overdrawn. 

XX/XX/XXXX - {$790.00} XXXX XXXX # XXXX I was also told the same reason as the first claim specialist about my chip been used and the scammer/fraudsters using my pin correctly which seems odd to me because thats not what XXXX told me and also because some of the transactions are been refunded and seems like mostly the USPS transaction doesnt want to be refunded. They are also transactions from XXXX, XXXX, XXXX & XXXX XXXX that needs to be refunded or handed correctly. I deserve an explanation to know how Chase could let this happen, and deserve some compensation for Chase letting my account to be overdrawn and not letting me access my funds when I needed it. Also if I keep banking with Chase, how am I sure this situation would not happen again, as they need to put a procedure in place to help prevent future situations like this and better protect their customers.
Product: Mortgage

I have received notification of a late monthly payment from GreenTree now called Ditech Financial LLC ( I think ). I previously requested supporting data from GreenTree of what month a payment was missed. I did not receive documentation to support that. I did get paperwork that looked like creative corporate accounting of late fees and interest charges. 
I pulled about four years of automatic payment records ( my mortgage payment has been set up to automatically pay every month for over 10 years ) from my credit union ( XXXX ). What I saw was a faithful printout of the monthly mortgage being sent out like clockwork at the same time each month for years. 
I do n't know where or why there is a discrepancy, but there seems to be. I suspect that GreenTree and now Ditech Financial are racking up fees and interest charges. 
I 'll say the same thing now I said before " show me the month that the payment was missed and I 'll pay it ''.
Product: Credit card or prepaid card

CitiBank Disputed charge {$330.00} Case ID # : XXXX Booked a non-smoking room for 3 nights ( XX/XX/XXXX - XX/XX/XXXX ) at XXXX XXXX, XXXX, PA thru XXXX. ( XXXX confirmation number : XXXX ) Received a VERY smokey room. Complained to front desk. Was told 'smoking room ' was nearby & smoke travels. They said they were booked & could not change our room. I immediately called XXXX. The XXXX representative was extremely sympathetic to our situation & clearly told me over the phone on XX/XX/XXXX that our reservation would be cancelled & credited. To make up for the bad experience, the XXXX representative offered an additional {$50.00} credit to be used on a future booking. Since XXXX told me over the phone that the reservation would be cancelled, I have no written proof of the cancellation. 
The following morning, I spoke with the manager of the XXXX XXXX, XXXX XXXX. He apologized for the smokey room & said unfortunately, no other rooms were available. XXXX XXXX said XXXX emailed him regarding the situation & that he also spoke with XXXX over the phone. XXXX XXXX said that our reservation was cancelled for the remaining 2 nights & that he waived the charge for the first night. We prepaid for 3 nights at the XXXX XXXX. We left after 1 night. After speaking with the XXXX representative on XX/XX/XXXX & XXXX XXXX on XX/XX/XXXX, we left the XXXX XXXX on XX/XX/XXXX believing that we would receive a Visa credit from XXXX for the 2 unused nights, a Visa credit for the first night in the smokey room, and an extra {$50.00} credit on our XXXX account to use on future bookings. 

We filed a disputed charge complaint with CitiBank Visa in XX/XX/XXXX & supplied them with all the details of the claim. In XX/XX/XXXX, we received a letter from CitiBank Visa stating that when we booked the room, we agreed to the cancellation policy of XXXX & therefore we were responsible for the full stay. We wrote back that this was not a late cancellation, but a dissatisfaction with the services received ( We paid for 3 nights in a non-smoking room, but only a smokey room was available. ) We told CitiBank Visa that both merchants ( XXXX & XXXX XXXX ) verbally agreed to a full refund back in XX/XX/XXXX. 

CitiBank Visa denied our dispute on XX/XX/XXXX We tried in good faith to correct the problem with the XXXX XXXX & with XXXX. The general Visa guidelines that say if you are dissatisfied with the goods or services that you have purchased with your credit card, and have tried in good faith to correct the problem with the merchant, you may dispute the purchase, and receive a credit on your account. Visas Merchant Agreement says that the merchant can not impose as a condition of Visa acceptance, a requirement that the Cardholder waive a right to dispute a Transaction. 

We appealled the denial & on XX/XX/XXXX, we were informed by CitiBank Visa that since the merchant was willing to offer a {$50.00} credit toward a future stay, CitiBank Visa has no further obligation to help us obtain the {$330.00} credit. 

Please help us obtain the {$330.00} CitiBank Visa credit that is owed to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

These Credit Reporting Agencies Experian, XXXX and XXXX have furnished false and deceptive information without my consent. I did not authorize nor did I benefit from the reporting of these accounts and unknown inquires. Congress already found and declared that they have assumed a vital role that they do not have and that they shall exercise their grave responsibility with fairness and impartiality. They must respect the consumers right to privacy, and confidentiality. This information is not fair and equitable to me the consumer and I am requesting you update the information to my written instructions.
Product: Debt collection

I am writing to formally request that you cease all communication with me regarding the I am writing to formally request that you cease all communication with me regarding the I am writing to formally request that you cease all communication with me regarding the I am writing to formally request that you cease all communication with me regarding the debt associated with Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that you stop contacting me about this debt, and I am exercising that right with this letter. 
Please consider this letter as my formal request to cease all communications with me, including but not limited to, phone calls, emails, letters, and any other form of contact. Failure to comply with this request may result in legal action as allowed under the FDCPA.

Please note that this letter does not acknowledge that I owe this debt or waive any defenses I may have regarding it. Furthermore, this letter does not permit you to report inaccurate information about this debt to any credit reporting agency. 
Thank you for your cooperation in this matter. 
XXXX XXXX
Product: Credit card

I 've been going through divorce proceeding for over 1 and 1/2 yrs now and as of XX/XX/XXXX, waiting for the judges decision-until then I am powerless as my estranged husband quit paying on our Syncrony Home credit card for XXXX furniture since XXXX. The bill is in my husbands name and I was only an authorized user. I did not take my name off as my husband did on accounts that he was an authorized user for so that I could still have access since I was the one who made sure all of our bills were paid on time for 25 years. I found out my husband quit paying on the account since XX/XX/XXXX after a registered letter came to the house in both our names when everything was just in his name. He is the XXXX of our county and seems to be able to do what ever he wants where as I have been rendered powerless to protect my credit. I have called Syncrony to make 'emergency ' payments so the account does n't go to a collection agency or the furniture I was given to keep does n't get repossessed. Syncrony is unwilling to work with me on stopping late fees and lowering payments so I can catch up for my husband not paying on the account unknowing to me. Syncrony certainly takes my payments, but reported my credit as bad to the credit agencies when I 've had good credit for years. I am powerless to do anything as we have a financial restraining order and I am unable to open any new accounts- I am trying to keep our home and am barely making ends meet while my husband has kept his salary to himself yet quit paying on agreed upon bills with out my knowledge. I ca n't do anything until the judge gives us our final decision. Meanwhile, many other credit cards are helping me with hardship programs ( low interest rates, lower payments, waiving late fees so I can catch up ... ) I called Syncrony several times from the number that was on a registered letter that promised to help me if I called. I got robotic, non-English speaking, uncaring representatives on the line that said my 'divorce ' was not a good enough reason, yet one of the other reps asked me if my household income has decreased ... .well yes, it has-by XX/XX/XXXX! This is criminal & I am only making his payments so the furniture he gave to me does n't get repo-ed! Help me please! The representative that said the divorce was not a good enough reason was unwilling to expand any further on my situation ( as he was the XXXX person I was transferred to ) and did n't even ask if my household income had decreased-I had told my long story 3 times already and was tired of telling it & was n't able to inform this rep of this in hopes that it was 'a good enough reason ' to help me. There has to a better way as this bill will eventually be paid off as soon as a decision is made by the judge. It is criminal what they are doing to me now when I am only giving them money I do n't have.
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 settled with insufficient balance despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card

IUSE TI GAVE PAYMENT PROTECTION ON MY WALMART CREDIT CARD WHEN I WENT TO LOOK AT MY STATEMENT BECAUSE IM HAVING DIFFICULTY IT HAS BEEN REMOVED WITHOUT MY KNOWLEDGE IS THAT LEGAL?
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through an FTC report if this was not an error. The company has not responded within 30 days. Please block and remove them immediately : XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX  CARD : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX CARD : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to apply for credit and I was denied. They told me that there was some collections on my account so I went to check my credit and dowloaded my report. I saw some fraudulent accounts on my credit profile and found out that I was a victim of identity theft. I have been trying to contact these companies and the 3 bureaus XXXX, Transunion and XXXX and they have not removed the accounts. Today I have filed a identity theft report with the etc and I will be attaching the report to this online claim. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  need to be deleted immediately.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

After carefully analyzing my credit report, I noticed several inaccuracies as it relates to negative accounts, employment history, and addresses where I have never lived. I am requesting that the following inaccurate information be removed from my credit report as this is affecting my score and ability to obtain new credit with different creditors. In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and U.S. Code 168i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies shown in my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of verification-Description of reinvestigation procedure. I have included documentation to verify my correct information. I thank you in advance for your prompt cooperation. Thank you.
Product: Mortgage

1. I recieved a notice of sale of property from the county due to unpaid property tax.

2. I contacted the PNC bank, who holds my mortgage ( which has an escrow acct ). 
3 After repeated attempts at explaining and continuous reassurance that they would resolve it, I recieved a letter claiming they ( PNC ) had resolved the issue and spoken to the " tax authority '', and I was no longer in arrears.

4. I contacted the county treasurer. They have no knowledge of it being resolved and say that I am still in arrears, 9 days after PNC claims to have paid it and resolved it.

5. There is approximately 2 weeks bf this sale happens and PNC still stonewalls me and claims it is fixed, meanwhile the county says otherwise.

5. Other than the letter saying it is resolved, they will provide no proof of this or any real verification. They registered a complaint on my behalf. I recieved an email from them but a complaint does not seem to resolve the issue. But seem to put barriers and obstacles in the way that delay any real resolution. 
Either way the property is to be sold for delinquent tax due to the actions, inactions and apparent false claim of actions ( to resolve the issue ) of PNC bank.
Product: Debt collection

I have never been contacted by SCA COLLECTIONS. However, they appear on my credit and I do n't owe them. I have never been contacted nor has this unknown account been validated. I have contacted them 5 five times. They continue to ignore me and report the erroneous account on my credit. I have also filed a complaint with the AG office.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Name - XXXX XXXX XXXX Incorrect DOB - XXXX Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX, XXXX EMPLOYER - XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Late Payment XXXX  - XXXX - {$5300.00} XXXX XXXX - XXXX - {$1800.00} =
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a derogatory remark on my credit report that involves a tax lien that has been released. The tax lien was reported to the credit reporting company in XX/XX/XXXX. The lien was resolved and released through the filing of a previously missed tax return several years ago. The credit reporting company shows the lien as released but the derogatory remark regarding it remains on my credit report as of today, XX/XX/XXXX. I lodged a dispute with XXXX earlier this year but I have not heard back from them. I have not lodged a dispute with Transunion, believing the derogatory remark would be removed due to its age. However, the derogatory remark remains on both credit reporting reports.
Product: Mortgage

Truist Bank is raising the monthly payment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I talked to a representative over the phone ( around XX/XX/XXXX ) and this person told me that they were raising the payment because I owed money to them. I asked for an explanation and this person said I owed more than {$6000.00} to the bank, I wanted for more details and She couldn't explained. I asked to talk to a manager and she said most of the people was on holidays and she was going to take a note and ask one of them to contact met. Nobody has done it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting the same debt twice on my credit file with EQUIFAX. This is in clear violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX 2017 and XXXX i have an inquirys from XXXX XXXX XXXX that I need to be removed from my credit report
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : FAIR COLLECTIONS & O Account Number : XXXX Date : XX/XX/2015 Amount : {$9500.00}
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. 

XX/XX/XXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/year>2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.