23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank reported me 1 time 30 days past due XX/XX/XXXX. My account was not past due. I authorized payments, post dated payments for XX/XX/XXXX and XX/XX/XXXX to an agent that I spoke with on XX/XX/XXXX. I advised the non-english speaking agent that I would like the payments drafted out my account on the dates. All previous payments had been made over the phone and I had never had any issues. XXXX XXXX advised me of the over 30 on my credit. going forward I will initiate my own payments on the portal so that I will not have this issue again. This is a violation of the TCPA, FDCPA, and FCRA. Please remove the negative reporting that was caused by Comentity bank.
Product: Mortgage

I asked the lender mid XX/XX/year> to cancel PMI. I got two communication letters on end of XXXX and early XXXX on instructions and options to cancel PMI. I submitted requested appraisal check and written request to them by mid XX/XX/year> and followed up by calls and online chat systems several times since. Every time I follow up with them I get a new date that is pushed back by few weeks. In my last comm with them they say a decision is expected by end of XXXX. This is despite the fastest option I chose for appraisal ( XXXX XXXX XXXX ). I am not sure now even if they are going to stick to the latest due date they provided and meanwhile keep charging me for PMI. The issuance of a brand new mortgage took less than 30 days from the lender but removing a PMI is taking close to 3 months. How that makes sense?
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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 XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

I was approved for deferment back in XXXX and my payments have not been applied correctly. I call every week and keep getting its in system update. They are failing to apply my funds to My account correctly. I keep getting notifications for being past due, my escrow is not being done correctly and I never get a supervisor call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Regarding Navy Federal Credit Union : I am a XXXX year old retiree who has been a member of Navy Federal Credit Union for more than XXXX  years. 

Recently, NFCU changed their website. The " classic '' website worked well and provided information in a way that matched the monthly statements. The format matched typical financial records. The " new '' website does not do this and is difficult to use. For a period of time, NFCU left the " classic '' website available and members, including myself, used the " classic '' website while providing feedback regarding all of the problems with the " new '' website. Recently, NFCU took away the " classic '' website thereby forcing members to use the " new '' website.

I am very cautious with my accounts at NFCU because recently I was a victim of theft when a NFCU employee accessed my accounts and also the " password files '' and was able to transfer money from my accounts to themselves. It is now my practice to check my accounts on nearly a daily basis as well as receive text notifications regarding all transactions. 

Today ( XX/XX/XXXX ), I signed onto the NFCU " new '' website. I was shocked to discover that my checking account and debit card were missing XXXX  months of transactions. Based on the website, the last transaction on my checking account using my debit card was dated XX/XX/XXXX. As I save my receipts, I know that I made XXXX transactions using my debit card in XX/XX/XXXX and I also have made XXXX transactions using my debit card thus far in XXXX, XXXX. None of these transactions were showing on the " new '' website. 

Why aren't these transactions showing on the NFCU website? I repeat that I know that the transactions happened because I have the text notifications on my phone. How do I, or any member, monitor their accounts when the NFCU website is so far out of date? 

I discovered a similar problem with my XXXX credit card provided by NFCU. 

After XXXX  years as a loyal member of NFCU, I no longer trust this credit union. Even when they may " fix '' the new website, it is quite useless and nearly impossible to accurately balance one 's accounts due to the abbreviated format. Now, at XXXX years, I feel I need to find another financial institution, move everything from my NFCU accounts to new accounts, change all of my auto-payments and direct deposits. How many other people may find such tasks as daunting?

The purpose of financial websites is to provide nearly immediate information regarding any account. There is no excuse for my checking account to be missing all my transactions since XX/XX/XXXX. 

NFCU has a fiduciary responsibility to provide accurate financial information to its members XXXX XXXX XXXX. NO EXCUSES- THIS IS OUR MONEY! If that requires NFCU to maintain the " classic '' website while it tries to debug their new system, then that needs to be done.
Product: Checking or savings account

The dates are XXXX they were a lot of fraudulent transactions on my account I made the bank aware they hurried to close the claim cause I had just put money in the bank an they where no help ask them to check footage an I file claim deposit an withdrawal an they wouldnt help even faxed over paperwork proven I was not there at the time still no help
Product: Credit reporting or other personal consumer reports

I was looking at my report and notice there were some things that was not correct. I sent a letter to XXXX  XX/XX/2022 .But it has been more than 35 days since the credit bureaus haven't responded. That a violation of 15 USC 1681 ( a ) ( 1 ) ( A ) Under 15 USC 16811 ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
XXXX XXXX XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

2.Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
XXXX XXXX XXXX Account Number : XXXX XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncomplianceYou
Product: Payday loan

Back in XXXX, I had a {$300.00} loan with Ace Cash Express where I paid this company back using an debt consolidation company. Yesterday, XXXX XXXX, XXXX I received a notice from a XXXX XXXX XXXX, address XXXX, CA XXXX, stating that they are going to sue me on behalf of Ace Cash Express in the amount of {$840.00} for a payday loan for {$500.00} when I advised him that I never had a loan with Ace for {$500.00} and that the {$300.00} loan was paid back in XXXX and that I am requesting documentation stating that I had a loan for that amount along with the bank account and contract that I had this loan, the man refused stating that he will not give me any documentation that they will be using in court against me that I have the option to pay them or be sued. I advised him that he is violating my rights with the Fair Debt Collection Act, I am entitled to that documentation and that he is violating my rights. He disconnected the line. The phone number is XXXX, I also googled this number and there is several complaints of fraud listed under this phone number where they were scammed out of money.
Product: Vehicle loan or lease

I've been overcharged {$26000.00} after I paid {$13000.00} and the credit bureau has lied numerous of times and has not accepted my dispute and through the credit bureau which will be XXXX I'm tired of being lied on and I'm tired of all of my negative inquiries still being on my credit score to this day I've dealt with hardship for more than XXXX  years and it's time for me to take legal action I will take you to court if this issue is not resolved or deleted off of my account or credit score or report
Product: Credit card or prepaid card

Debt collectors for Capital One are trying to collect different amounts on a 10+ yrs old credit card that was already paid off.
Product: Credit reporting or other personal consumer reports

I have been dealing with a situation for several months now. There are numerous inaccuracies in my credit report, and it has reached a point where legal action will be taken in the next few weeks. I filed for bankruptcy XXXX years ago, and according to the proceedings, everything was supposed to be removed after the XXXX-year mark. However, this has not been done. There are also inaccurate accounts being reported, and the credit agencies are claiming to have verified my bankruptcy with the courts, which is not accurate as courts do not verify such information. Additionally, they are falsely reporting that I am deceased, which has greatly affected my ability to obtain credit. I have made multiple attempts to rectify these issues, and if they are not resolved within the next XXXX weeks, I will be filing lawsuits against XXXX XXXX, XXXX, and the Consumer Financial Protection Bureau ( CFPB ).
Product: Bank account or service

I am a member of Wells Fargo. I have noticed that on several occasions they would take the money out of my account only to put it back in there the next day. Example if I purchased a room on Tuesday they would take the money out and the next day putt the money back in the account. At first glance I thought that it was the merchant doing this, however, I was completely wrong. They did this with my phone bill and with my hotel purchases. They would take it out and put it right back in the next or same day. My checking account was over drawn in the amount of XXXX. That made my rent late, and my car note late as well. At first glance I thought it was me but it could n't be I only use my card for major purchases. Wells Fargo has taken my whole check saying it was nsf fees but how when I only use it for major purchases and deducte it from my account. I am appalled and vey disatifed. What am I to do?
Product: Money transfer, virtual currency, or money service

The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax XXXX  and XXXX  on XX/XX/2021 and XX/XX/2021 regarding fraudulent and inaccurate items on my credit report. It has been over 5 months and I have not received a response from anyone. Failure to respond is a FCRA violation of my rights as a consumer. In section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 5 months, these fraudulent and inaccurate items must be removed and deleted immediately. I demand these fraudulent and inaccurate items be removed and deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to obtain credit and these fraudulent and inaccurate items are preventing me from doing so.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : sunrise credit services Account Number : XXXX Date of Charge-Off : none It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-oft misrepresents my payment history and negatively impacts my credit score Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). 

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 

request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections Thank you for your prompt attention to this matter.
Product: Prepaid card

Purchased a pre-paid card serve American Express. When I purchased I did not know that I would have to set up a account, and that I could just go to the store ( XXXX ) and reload when and if I wanted to. I was able to go on line and notice that serve has taken two months of fees from the {$50.00} amount I put on card. The charged me {$7.00} in XXXX and another {$7.00} in XXXX. I did not set up an account. 

I called today and spoke with rep on 7 different times, once I was able to get thru. 1st six times he said they were having technical problems and to call back. On the 7th time he stated he can not cancel the card. All I asked as for the card to be cancelled and funds returned to me in a check. 
He told me he could not cancel the card. I asked him do I have to get an attorney, he stated yes ( twice ), so then I contacted American Express the rep there informed me there was nothing they can do, although American Express serve is listed on there web site, that the issue is out of there hands.
Product: Credit reporting

I am unable to access my credit report online directly with Experian to do disputes or view report. I am also unable to request my free annual credit report either. I am entering my correct information and once upon a time I was able to do so without a problem. I have made Experian aware of this problem as well and they have not resolved it. I spoke with XXXX in Consumer Affairs and he removed my current address and readded it incorrectly resulting in my current address still being incorrect and I am still unable to access my report. My current address is also showing as a new residence because of whatever changes he made. They also placed a fraud alert on my report that I did not request to have added. I requested it to be removed and they requested me to send in my license, a bill and a written request to have something removed that I never requested to have added in writing or verbally. Although I did n't agree with the request, I submitted the information and received a confirmation that the fax was submitted successfully. However, I still am unable to access my report.
Product: Mortgage

To Whom it may concern. 

I would like to add to my complaint XXXX from XX/XX/XXXX about Select Portfilio Servicing.. On XX/XX/XXXX this year XXXX sent a letter to the ohio dept of commerce they took XXXX out of my account because it belonged to another customer.. This is what happened I had a third party disability insurance which made payments for my mortgage which at that time went to XXXX then last yr XXXX sold my mortgage to XXXX,, The insurance company still made payments to XXXX  and XXXX sent money to XXXX.. On XX/XX/XXXX of this year XXXX sent by XXXX XXXX a check in the amount XXXX, therefore that money should be put back into my account and apply it to my monthly payments. also i want a complete audit of my account with XXXX with a mistake like this there may be others, which may effect my account. I have written to XXXX  research dept to get all the payments that they sent to XXXX. dates and amount. Once I have this paper work I will fax to you and fax to XXXX, and I will file a new complaint with the ohio dept of commerce, and to the us attorney general. 

I want to thank you again for your time and effort XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$170000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$35000.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$33.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$190000.00} XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX Balance : {$170000.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$33.00} XXXX XXXX XXXX Balance : {$35000.00} XXXX XXXX XXXX Balance : {$0.00}
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These negative items are affecting my credit report badly and is hindering me from exploring future credit opportunities. Please delete or remove these items on my behalf. 
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.
Product: Checking or savings account

On XXXX XXXX, I opened Citigold checking account ( zero interest ) number XXXX online to earn {$2000.00} cash bonus, with {$300000.00} in deposit. Please see an attached file XXXX On XX/XX/XXXX, I received a welcome email of my New to Citigold checking account with timeline to earn cash bonus. I would get {$2000.00} cash bonus no later than XX/XX/XXXX. Please see XXXX attached files XXXX Please look at my bank account statements from XX/XX/XXXX to XX/XX/XXXX. I have completed all required activities, but I did not receive the cash bonus. Please see 6 attached files XXXX On XX/XX/XXXX, I contacted Citigold Manager : XXXX De XXXX XXXX phone # XXXX, her email : XXXX. I have asked her to review my cash bonus case. Please see an attached file XXXX We have exchanged emails with no progress. After XX/XX/XXXX, she stopped responding my email and phone call. On XX/XX/XXXX, she informed me that she would forward my case to a new manager : XXXX XXXX, phone # XXXX, his email XXXX. I immediately sent him an email with no response. Please see an attached file XXXX On XX/XX/XXXX, I have sent him an email again. Please see an attached file XXXX On XX/XX/XXXX, he informed me that I was ineligible for the bonus because I had an old joint checking account in the past. Please see an attached file XXXX In the past, my wife had a Citibank checking account. She closed that account around mid XXXX. She was primary owner. She added me as secondary one. 

Dear Consumer Financial Protection Bureau, I have the following complaints : Citibank must have known who was eligible to get cash bonus. They sent me a welcome email of New to Citi Checking Cash Bonus Offer. Apparently they were willing to keep my {$300000.00} in deposit at Citibank. 

On XX/XX/XXXX, I contacted CitiBank and asked them to review my cash bonus case, their review process have lasted for more than 2 months. 

Since XX/XX/XXXX until XX/XX/XXXX, Citibank has earned profit from my large fund, but I have earned nothing from zero interest Citigold checking account. 

Would you please to do an investigation on my {$2000.00} cash bonus case? 
Your help is greatly appreciated. 

Best Regards,