23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

To whom it may concern, consumer XXXX entered an agreement with Navy Federal. During the agreement and extension of credit by debtor Navy Federal that willfully and knowingly of The Truth In Lending act didn't specify my right to rescission. 15 U.S. Code 1611 - Criminal liability for willful and knowing violation. According to Congress, 15 usc 1635. I didn't receive any information nor contract so that is a violation of my consumer rights and a breach of the contract. Also Pursuant 15 usc 1605, here Congress states, ( a ) THIRD PARTY FEES.Section 106 ( a ) of the Truth in Lending Act ( 15 U.S.C. 1605 ( a ) ) is amended by adding after the 2d sentence the following new sentence : The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents XXXX including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : The information must be disclosed at the time of extending the open end credit plan. Therefore, you are in violation because you didn't disclose that information to me. 15 U.S. Code 1637a - Disclosure requirements for open end consumer credit plans secured by consumers principal dwelling. Remove from all credit bureaus permanently and immediately. This is an intent to sue if this isn't removed immediately. I am not specifying a date but in fact the account is in litigation at this point. If you are willing to compromise a deal to remove the item off of my credit report and provide an open end credit plan in a positive amount and remain in an open end credit plan please feel free me to contact me by mail with the offer. 
1. Navy Federal : {$4000.00} XX/XX/XXXX XXXX XXXX 2. Navy Federal : {$10000.00} XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am unaware of the mentioned inquiries, and I respectfully urge you to address this matter promptly. Supporting documents have been enclosed for your reference. Kindly conduct an investigation into the matter and take appropriate actions for its resolution.
Product: Credit card

I applied for the Best Buy credit card and I was told there was no annual fee. I received the bill and they applied late fees, annual fees and penalties. I tried to get this reversed and they refused to comply, dropping my credit score by XXXX points. I canceled the card and they refused to mail me a confirmation letter reflecting the account has been closed. 
This is deceptive trade practices and fraud and I would hope they will get punished for such deceptive practices.
Product: Checking or savings account

I am writing to formally lodge a complaint against Wells Fargo regarding a serious error made by the bank and the subsequent mishandling of my funds. 
On XX/XX/year>, I visited the XXXX XXXX branch to request the removal of my deceased husband 's name from a Certificate of Deposit ( CD ) account. However, instead of simply removing his name, the bank erroneously removed mine as well, effectively leaving me with no access to my own funds. I walked into the bank with {$50000.00} in my account, yet by the time I left, my balance was {$0.00}, without any authorization or justification. 

Since then, I have made repeated attempts to have this issue resolved, but Wells Fargo has failed to rectify the situation. The employees at the branch provided false assurances, stating that my funds would be available again within XXXX days. It is now XX/XX/year>, and my money remains inaccessible. Throughout this process, the bank has demonstrated a lack of urgency, accountability, and transparency, all of which have significantly exacerbated my distress during an already difficult time following the loss of my husband. 

This situation has caused me severe stress, anxiety, and financial hardship, as I am unable to access my own money for essential needs or make decisions regarding the renewal of my CD. The handling of this matter has been nothing short of negligent and abusive, and both the branch manager and Wells Fargo as a whole must be held accountable for the errors and the distress they have caused me.
Product: Payday loan, title loan, or personal loan

They said i got a loan and i didnt
Product: Debt collection

ATTENTION TO HUNTER WARFIELD INC ( XXXX XXXX XXXX ). I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2100.00} does not belong to me. This account was fraudulently opened through this company XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) in XXXX of 2020 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire THIS ACCOUNT, I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has used my personal information to open accounts in my name without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUD ACCOUNT ON MY CONSUMER FILE. I AM REQUESTING DELETION. I SENT IN FTC REPORT AND COPY OF MY PA STATE ID.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previous disputed un authorized inquiries and accounts that are not correct marked charge off and accounts that do not belong to me
Product: Debt collection

I have been trying to work with All the Credit Bureaus for a long time i have followed the law and it states that they have to come back with proof or delete the things on my credit and they are not working well at all with me. I am honestly tired of them doing this to me. They are really abusing the system on not working well with me and not following the law.
Product: Money transfer, virtual currency, or money service

Tried to Transfer funds via walmart online aka moneygram. signed up for an account included my DL front and back. Sent {$3900.00} on XX/XX/16 at XXXX XXXX  got email my transfer has been sent. Receiver never got. Called 3 times as did receiver each time told to call back in 24 hours. Still have not transferred funds to receiver or returned them to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Anytime i apply for a card or to buy a house they say Equifax has put a fraud block on my account. I can't even obtain my report off the free annual credit report. Last time i was able to see my report, you have my name spelled wrong several times, wrong phone numbers, several addresses I've never lived at. This shouldn't be my responsibility to fix, this is your error. Now there's a block on my credit report? I have no knowledge or anyone contacting me letting me know what's going on, I've called & wrote a letter, got nowhere. You're saying i have fraud block but yet are committing fraud yourself by not correcting the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account that is incorrect is reporting on my credit report XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA Violation credit card XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation loans XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FRCA XXXX XXXX XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX 
{$850.00} Balance updated XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$390.00} Balance updated XXXX XXXX, XXXX XXXXXXXX XXXX  Original creditor : XXXXXXXX XXXX  {$540.00} Balance updated XXXX XXXX, XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX {$420.00} Balance updated XXXX XXXX, 2022 XXXX XXXX XXXX  Original creditor : XXXX XXXX {$380.00} Balance updated XXXX XXXX, XXXX XXXX XXXX  Original creditor : XXXX XXXX. 
{$1000.00} Balance updated XXXX XXXX, XXXX XXXXXXXX XXXX Original creditor : XXXXXXXX XXXX XXXX$3100.00} Balance updated XXXX XXXX, XXXX XXXX XXXX Original creditor : XXXX BANK {$2400.00} Balance updated XXXX XXXX, XXXX XXXX XXXX  Original creditor : XXXXXXXX XXXX {$700.00} Balance updated XXXX XXXX, 2022 FRCA Violation names and address XXXXXXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Please reference attached email/letter communication w/ Wells Fargo Bank XXXX XXXX XXXX 

I received a credit card solicitation from Wells Fargo Bank in XXXX and responded by completing an online application for the same shortly thereafter. Wells Fargo acknowledged receipt of the application via email on XX/XX/XXXX ( copy attached ). Based on the bank 's XX/XX/XXXX response ( copy attached ), the " We need to verify a few pieces of information before we can give you a credit decision '' statement included in same entailed the need to have my XXXX Credit Report Freeze lifted. 

Upon receiving notice that the XXXX Credit Freeze had been lifted, the bank initiated review of my credit card application and allegedly rejected it based on the following : Serious delinquency Too few accounts currently paid as agreed Proportion of balances to credit limits on revolving accounts too high Non recent non-mortgage balance information Since I have ready access to my XXXX Credit file, I took the liberty of revisiting it in response to the reasons listed above for non-approval of my credit card application. And while this laundry list may have served as a legitimate basis for rejecting prior credit card applications, based on review of my [ squeaky clean ] XX/XX/XXXX XXXX Credit Report ( summary copy attached ), it fails at doing so this time. 

Since Wells Fargo is well aware of my XXXX Dispute settlement [ which served as the primary basis for rejection in the past ], I asked the bank to advise detailed explanations w/ specific credit report examples of the infractions alleged in the list above. Although the bank has acknowledged my request, the promised response has remained outstanding for more than 30 days. As such, this complaint filing is the first of three ( 3 ) advised in my XX/XX/XXXX Wells Fargo Credit Card Application Letter ( copy attached ).
Product: Credit card

There are numerous inquiries and XXXX accounts on my credit report that I have absolutely no knowledge of. These are deemed fraud accounts and I need assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNT. 

BANK XXXX XXXX XXXX Date Opened XX/XX/2014 Balance {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

For OVER a year and most recently XX/XX/2023 Midland Credit Management is REPEATEDLY reporting my collection account open with a past due balance. The collection account is showing OPEN with a PAST DUE balance. This is inaccurate information. The account is in collections it is not and OPEN account and it is showing a PAST DUE balance. This is completely inaccurate. This account has been closed for years. I have called Midland Credit Management, they refuse to remove it. According to the FCRA, I have the right to a accurate credit report.
Product: Vehicle loan or lease

I was affected by the Covid-19 with my XXXX  XXXX  job about XX/XX/2020. I worked for XXXX XXXX and was let go in XX/XX/2020. I went back to work part time at XXXX  after taking a leave of absence for mental health reasons. I did return to the XXXX  XXXX  for two weeks all to be sent home on FMLA for XX/XX/XXXX not functioning safely doing the job I do. When I came off of relief from TD Auto Finanace I thought I would be fine until I found out I was going to need unexpectedXX/XX/XXXX. After having XX/XX/XXXXXXXX I went in for a emergency XX/XX/XXXXthat I had complaication from a previous XXXX. Every time TD Auto would call I would say hello and the phone would hang up. So finally I spoke with someone after I returned again to XXXX part time and I told the young lady on XX/XX/2020 that I will be making a payment on XX/XX/2020 when I received my paycheck from XXXX. She never mention I was in danger of my car being picked up. She only asked if I can make a payment. Well the order was put in for my car to be picked up on XX/XX/2020 and they picked it up on the XX/XX/2020. So they tow guy rode off with my kids XXXX gifts that was donated to us because I had no money this year for XXXX. I called to find out how much I need to get the car back. They said they are not willing to neogation with me in this time of need. But they want me to pay {$2800.00}. I am a single parent of XXXX. I have no help or money. I was not allowed to file for unemployment due to still being employed with the district. So I struggled for months with no money. Please help me
Product: Debt collection

I received a voicemail from "  XXXX   XXXX  '', who did not disclose the name of his organization but simply said I or my attorney needed to return his call at  XXXX  regarding case "  XXXX  '' as there was a " complaint pending against ( me ) ''. The call actually came from a local area code that matched mine. I returned the call and was advised the company is called " AMS ''. When I was transferred to  XXXX   XXXX  I asked him for the address of his company. He replied by asking me what I was sending and I reminded him that he is obligated to disclose his company 's full name and address, which he then did as fast as he could. He advised he was with "  Ashfield Management Services  at  XXXX   XXXX   XXXX   XXXX   XXXX  in  XXXX , NY ''. He then advised me that he was calling about a defaulted payday loan and a " bad check ''. I replied that I had not written a bad check and he spoke over me and said " sure you did, a bad ach ''. I advised  XXXX   XXXX  tha t 1-I have a bankruptcy attorney that he needs to speak to as opposed to me and 2-payday loans are not even legal in my state. He demanded my attorney 's information. I began to g ive him the information and he spoke over me stating it is my attorney 's job to call him. I advised him that I have not received anything in writing about the alleged debt and that he is not to contact me again as he has been put on notice that I have an attorney. He spoke over me and refused to let me give him my attorney 's information despite his legal obligation as a debt collector to communicate with my attorney only as he has been fully retained.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted DEPT OF EDUCATION/XXXX & they told me I've never missed a payment, yet Equifax refuses to remove me from being listed aslate on XX/XX/19 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX loan # 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, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

On XX/XX/2022 I applied on the navy Federal Application due to a promotion and was denied credit.

It is in violation of and should be monentary compensated 15 U.S.C. 1691 ( a ) ( a ) It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction -- ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicant 's income derives from any public assistance program.

I am the creditor 15 U.S.C. 1691a ( e ) ( e ) The term " creditor '' means any person who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal, or continuation of credit ; or any assignee of an original creditor who participates in the decision to extend, renew, or continue credit.
Product: Credit reporting or other personal consumer reports

In accordance of the fair credit report act PNC BANK CARD SERVICES, ACCOUNT # XXXX, has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC1681 SECTION 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Debt collection

I received a letter from National Credit Adjusters stating I owe money to. XXXX XXXX. 

I never took out a loan in XXXX. The company does not have the location of the loan just the date of XX/XX/2018. 

I would like to dispute this information as it may be identity theft. 

This information does not show up on my credit report. 

National Credit Adjusters reference number XXXX
Product: Debt collection

I previously received several correspondences regarding this XXXX debt from several collection agencies I don't owe this debt I've never had a residence in Texas nor have I ever lived in Texas this debt isn't my debt. XXXX XXXX XXXX XXXX continues to transfer the debt to different collection agencies trying to collect. I've advised them several times this isn't my debt.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).