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

Good Afternoon, After attempting to seek restitution of funds through the bank system directly and through a complaint filed with the Office of the Comptroller, I'm hoping you will be able to help me. An aide in my local senator 's office suggested I try filing this complaint to see if it would help. 

On XX/XX/XXXX, a check I had mailed to pay town taxes was forged and cashed after being stolen from a post office mailbox and altered to change the payee and the signature. It was clearly a forgery and a tampered check. I did not realize this happened until XX/XX/XXXX when the taxes on my home were delinquent and I faced a tax sale situation as a result. I contacted the bank immediately. While I was hopeful at first and a local bank manager was also optimistic, the end result was denial of my claim for the {$6200.00} stolen from my account. Ever since, I have been trying to find a way to be able to retrieve the funds from Citizens Bank. I have a police report and other notes as part of the request. I filed complaints with Citizens directly as high as I could go in the Office of the Chairman. I contacted my senator 's office and others for assistance. Repeatedly, I have been informed that they are only obligated to act on the forgery if discovered within 30 days. While I understand they may be within the law to deny my request, I'm still distraught over losing {$6200.00}. Last winter was a particularly busy and uncertain time and I just can't believe Citizens bank is applying and flexibility with customers. The end result may be that I and a few other friends and family close all accounts with Citizens but I continue to hope I might find a resolution. Thank you in advance for any help you can provide.
Product: Checking or savings account

Subject : Unauthorized and Unnotified Transfers Between Accounts Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding Navy Federal Credit Unions practice of transferring funds between my accounts without my prior consent or notification. This behavior has caused significant frustration, confusion, and disruption to my personal finances. 

Navy Federal has repeatedly moved money from one account to another without seeking my authorization or informing me beforehand. As a customer, I believe this practice violates my rights under the Electronic Fund Transfer Act ( EFTA ), which mandates that financial institutions obtain proper authorization for such transfers and provide transparency to account holders. 

I request the CFPB investigate Navy Federal Credit Unions handling of these unauthorized and unnotified account transfers. This issue not only undermines trust in their services but also creates unnecessary financial stress. 

I would appreciate your assistance in ensuring Navy Federals compliance with federal regulations and addressing this matter in a fair and timely manner. 

Thank you for your attention to my complaint. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

opened : XXXX XXXX amount : {$58.00} accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Pay my XXXX payment on time it's showing late
Product: Credit reporting or other personal consumer reports

They said the information would remain on my credit report, giving me a very hard time about my XXXX address! and have yet to send hard copies from all three bureaus, I've provided them all with my I.D . and utility Bills...
Product: Checking or savings account

CHIME Banking has something called MY PAY it shows on the television that you can take up to {$500.00} anytime you want well this is not the facts. Facts are they give me an amount of XXXX give or take, now this is my money I have to pay it back! but I am not allowed to get the full amount when ever I want. They give you maybe XXXX a day and when it gets up to XXXX you XXXX take it and also pay a fee of XXXX then when you pay it back they charge you a fee for paying it back. Now this is my money and if I need the whole amount I should be able to get what I need when I need it? especially considering its my money. Fees charged and only allowed in small amounts. but paid in full on payday with more fees charged. So sum it up I am allowed a overdraft with fees when they decide to release it when they want not when I need.
Product: Credit reporting or other personal consumer reports

Hello I just pull my credit report and I see Fraud Account 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX, Account # XXXX, U.S. DEPARTMENT OF EDUCATION Account # XXXX, U.S. DEPARTMENT OF EDUCATION Account # XXXX, U.S. DEPARTMENT OF EDUCATION Accounts # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Nothing has been corrected, copies has been provided.
Product: Debt collection

I received a certified letter from Chase attempting to collect a safe deposit box fee that was cancelled and discharged through Chapter XXXX bankruptcy. I filed in XX/XX/XXXX, discharged in XX/XX/XXXX. The deposit accounts and all closed and discharged. 

I emailed the Chase Executive Team on XX/XX/XXXX, and still to this point have been told that the legal team has it but no updates or other information can be given.
Product: Debt collection

I have received two voice messages on my cell phone and one voice message on work phone. Two of the messages stated they were from Weiss Arbitration and one from Weiss & Associates. The first message were received on   XXXX   XXXX  , 2017 at   XXXX   XXXX   and   XXXX   XXXX   PST. The first call was to my cell phone and the second on my work phone. The voice mail stated : XXXX ( my name ) " my name is   XXXX   XXXX   calling from Arbitration. My firm has retained a file formal complaint against your name and your social. We will be conducting and in depth investigation in your finances. In state law I am required to notify you 72 hours prior to this which starts right now. You need to be debriefed on all allegations inquired from you financial institute as well as place a statement on the record. I can be at my litigation 's department. My phone number is  XXXX  ext  XXXX . '' On   XXXX   XXXX  , 2017 at   XXXX   XXXX   PST the following message was left on my cell phone : " This message is for XXXX ( my name ). There has been a formal complaint filed with your financial institution. All assets and active accounts are scheduled to be closing within 72 hours. If you wish to protest this case you must contact the law offices of Weiss & Associates at telephone number  XXXX  or press one to be connected now. '' I called my financial institution on   XXXX   XXXX  , 2017 about the voice messages. The representative said that he did not see anything about my account closing and to report these calls to the " abuse '' department of bank. The bank was notified by email of these messages.
There has been no written contact from this " firm, '' and I do not know what this is regarding.
I was contacted by   XXXX   XXXX   and he said that it was regarding some company,   XXXX   XXXX  , and that they had sent a physical letter to my mailing address, as well as my email address. I told him I didnt know what he was talking about and asked him for his physical address. He refused to give me the address, said that they were going to finish this in court, and hung up. Upon minutes of hanging up, he contacted my sister in Texas. She didnt give him any information, she said that he shouldnt be asking for my information. He yelled at her and hung up. Later today, my sister, who lives in Utah, received a message saying that they would be freezing my assets in 72 hours.
Product: Credit reporting or other personal consumer reports

I am lodging this complaint against the credit bureaus due to their continuous failure to address my dispute letters regarding inaccuracies in my credit report. Even after several attempts to resolve the matter through the correct channels, the credit bureaus have not fulfilled their obligation to acknowledge or investigate my disputes as mandated by the Fair Credit Reporting Act ( FCRA ). 

Despite these numerous submissions, the credit bureaus have not responded, confirmed an investigation, or corrected the disputed information. This non-response is a clear breach of the FCRA, which requires credit bureaus to investigate disputes and reply within 30 days. 

.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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
Product: Credit reporting or other personal consumer reports

hey there I try to reach equifax and XXXX to remove my an recognize XXXX XXXX XXXX XXXX inquiry XX/XX/2023 plea can you help me
Product: Credit card or prepaid card

I received a letter today, dated XX/XX/XXXX from Synchrony Bank. They are informing me that because of the number of dishonored payments, they have decided to close my account. This is the second account Synchrony has decided to close for the same reason within 2 weeks, all because of us switching banks around the time payments were due. This specific card is, or was, our Amazon Store Card. My next payment is due on XX/XX/XXXX. It is due on the first of every month, with only the XX/XX/XXXX payment getting sent back to them. I have never experienced anything like this. This bank alone has screwed my credit. I had 0 missed payments before them, and now I have 2 closed accounts. I had 0 closed accounts from creditors, only from myself. I have called them with zero assistance. I would like this company and practice looked into. I don't think a company screwing the working class should be allowed to do this. We were in the middle of buying a house. How do you think that is working out now? I hope whoever gets this message in what is most likely a cozy tax-payer funded office actually does something proactive, because what they are being allowed to do is definitely not helping to protect consumers as your "About Us" says.
Product: Credit card or prepaid card

I have been a Chase Freedom cardholder since XXXX. Twice now my APR was raised and both times Chase sent me notification of the change in terms using Presorted Standard Mail. My husband who worked for the post office for 31 years was shocked when he saw this because he knows that anything that is sent Presorted Standard mail is not returnable and subject to be thrown away by the postal service if not deliverable. Because of this fact, most Americans regard presorted standard mail as so called " junk mail '' and discard it without even opening it. I believe that Chase is using this type of postage as a deceptive practice of trying to satisfy the requirements of the law while secretly hoping most people will not read it. The first time this happened my APR was raised from 12.24 to 29.99 and I was notified through Presorted Standard. I called them on this and they immediately changed it back to the 12.24 when I challenged them on it. Now they are doing the same thing again. I received the notification that my APR would go from 12.24 to 16.24 effective XX/XX/XXXX again this was sent presorted standard mail. 

In my opinion Chase is being deceptive in the hopes that most customers will throw the notices in the trash and never read them. I think they should be fined and/or required to send future change in terms notices first class mail.
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS
REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A cre
ditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date
and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$6100.00} XXXX XXXX XXXX Balance : {$6100.00} XXXX XXXX XXXX Balance : {$6100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello someone fraudulently opened a SYNCB/ VENMO credit card in my name on XX/XX/2023. I called the same day to let venmo know i received an alert about an account opened under my name and it wasn't me. I spoke with XXXX then he transfered me to XXXX XXXX at XXXX XXXX  and the fraudulent account was closed. I called several times in between. On XX/XX/2023 I spoke with a representative by the name of XXXX XXXX XXXX he transfered me to a supervisior name XXXX in the fraud department. She stated in XXXX the the investigation was completed it was ruled in my favor the hard inquiry should be deleted immediately. As of today XX/XX/2023 the hard inquiry is still on my XXXX. It reads SYNCB/ VENMO XX/XX/2023. Please take this fraudulent account off my XXXX credit report.
Product: Student loan

This is my second complaint for Navient regarding student loans. In my previous complaint, I asked for documentation showing that Navient owned my student loans. Navient responded with the attached documents. Their response, however, did not include ANY proof of ownership for the following loans that I am currently paying : XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Inquired on XX/XX/2023, XXXX Inquired on XX/XX/2023, XXXX XXXX Inquired on XX/XX/2023, XXXX XXXX Inquired on XX/XX/2023, XXXX Inquired on XXXX XXXX, 2023, XXXX XXXX Inquired on XX/XX/2023, XXXX XXXX Inquired on XX/XX/2023, XXXX Inquired XXXX XXXX XXXX, 2023, XXXX XXXX Inquired on XX/XX/2023, XXXX XXXX XXXX XXXX Inquired on XX/XX/2023, XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX  Inquired on XX/XX/2023, XXXX XXXX XXXX Inquired on XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX Inquired on XX/XX/2023, XXXX XXXX XXXX XXXX Inquired on XX/XX/2023, XXXX XXXX XXXX XXXX Inquired on XX/XX/2023 & XXXX XXXX XXXX XXXX XXXX XX/XX/2023 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to ACCOUNT # XXXX : This auto loan was paid off on time every month from XXXX XXXX-present. 
As of XXXX XXXX the account was current, but capital one decided to charge off the account with no late payments starting XX/XX/XXXX. No 30 60 or 90 day late yet a charge off is being reported. Capital one stopped generating statements in XX/XX/XXXX and never sent anything in the mail saying I was past due, The car was eventually totaled and my insurance company paid off the loan balance less {$1000.00} deductible.During this process I continued to make the monthly payments. As of XXXX, with Covid, I was laid off from my job. I called capital one who agreed to take a monthly payment of {$27.00} to satisfy the remaining {$1000.00} deductible payment. This payment, as agreed, has been taken out of my bank automatically. They have been reporting late payments every month since XX/XX/XXXX - present. As of today the deductible payment is paid off in full but they are refusing to validate/ explain to me the charge off. No where on my account on their website does it show the account being charged off yet they are reporting a charge off to all the credit bureaus. I have reached out my mail with no response and my phone where they hung up on me.
Product: Checking or savings account

I notified capital one of several unauthorized XXXX  that were made on XX/XX/XXXX and XXXX. They told me to wait 10 days and a provisional credit would be given. About a week later I receive XXXX emails due to XXXX separate transactions that were denied on my debit card due to insufficient funds. I contact cap1 and ask them to cancel my debit card. Since there are no posted transactions they say there isn't anything they can do. Today XX/XX/XXXX I woke up to no money in my account because XXXX took all Of it, again I call cap1 and submit disputes as well as get a new card and block XXXX.. several hours later cap1 notifies me they have approved my dispute and the money has been replaced. I login to check and already XXXX who is suppose to be blocked has charged my account again using the reimbursed funds. I call back and again put in more disputes and block XXXX, again. After this I received an email stating capital one saying they denied my claim for the unauthorized XXXX. Its apparent my account has been hacked and is being accessed by someone else yet they refuse to help me get my funds back. I borrowed that money to get it back and pay bills expecting Cap1 to help me but they are being rude the lady essentially called me a liar telling me I made the XXXX after I just told her I certainly did not. I need help calling capital one resolves nothing.
Product: Credit card

a credit card payment was made from a linked account from my sons checking which was an error in key strokes in computer on line banking. as a result my son reported this to citi bank and they clawed the money back making my cc in arears. as a result for a whopping XXXX dollars they closed XXXX accounts with a credit line of upwards of XXXX. the error has been corrected but they stated a pattern was evident. I have been with citi from XXXX  and have had mortgages and loans without issue i am an employed XXXX  and make a good salary i am appalled as to their inability to realize a mistake was made its not fraud nor a liability
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection/Charge Off : 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 XXXXXXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous Address ( XXXX ) : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

X/X/2017 I believe that my Equifax data has been compromised by a data breach and that my identity and credit has been compromised. I have used the Equifax system to determine that my information is part of the data breach.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FRA 605B ( 15 U.S.C. 1681c-2 ) that you, Transunion the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of a personal credit card account opened at These fraudulent accounts consist of a personal credit card account opened at XXXX on XX/XX/year>2020 under the account number XXXX, an auto loan account opened at XXXX XXXX on XXXX XXXX2020 under account number XXXX, and a personal credit card opened at XXXX XXXX  on XX/XX/year>2020 under account number XXXX. 

These accounts have resulted in fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts as collections, as reported. The aforementioned accounts as collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts as collections, are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the Us Federal Trade Commission that all of the aforementioned consumer credit accounts as collections are the result of identity theft and fraud.