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

Accordance with the Fair Credit Reporting Act XXXX  Account : 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. 


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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violatio XXXX Account Number : XXXX Please remove it from my credit report. 
Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( XXXX ) you failed to notate this account was in dispute within 30 days now this account in XXXX XXXX XXXX XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violatio XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( XXXX ) you failed to notate this account was in dispute within 30 days now this account in violatio XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As a consumer by law, this account must be deleted immediately. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violatio XXXX XXXX XXXX XXXX XXXX XXXX XXXX As a consumer by law, this account must be deleted immediately
Product: Checking or savings account

Marcus did not have proper cyber security tools, practices, controls and operations in place because Marcus allowed my two Marcus Certificates of Deposit ( CDs ) to be drained ( {$100000.00} ) and Marcus closed my two Marcus CDs in XX/XX/2023 and REFUSED TO PAY ME THE INTEREST these CDs would earn had they not been BREACHED. MARCUS also made me pay the PENALTY for the CDs closing EVEN THOUGH MARCUS allowed the breach to occur. I want the penalty REMOVED and I want XXXX and XXXX interest earned on the two CDs. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 
Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. XXXX  XXXX  ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Checking or savings account

XX/XX/XXXX I deposited a cashier 's check by mobile deposit that someone sent me through the mail. They placed a hold on the check.Then the account was sent to the fraud department because it was found that the check was not real.I thought the check was real.They placed an exceptions hold on the check.The check was returned which made my account negative. It was posted and cleared.The fraud department blocked the account pending their investigation.I received a letter from the fraud department that my account will be closed.I get that.My complaint is that Truist is holding my money.I can not get my money out because I was told they were still investigating.The check has been returned, it is determined that the account is going to be closed.I get that they want to take precautions and cover every nook and cranny before they release my money.That is my money and I want my money.Truist does not have a right to hold my money.They say quote on quote, until the analyst get done to see what they say.I say they have no right to hold my money.That is my money.
Product: Credit reporting or other personal consumer reports

I was shocked this afternoon to find inaccurate accounts on my credit report, and I have no idea how they got there. Ive always monitored my credit report closely, but this time there were unexpected discrepancies. I even tried refreshing my browser, thinking it might be a technical glitch, but nothing changed. The inaccuracies remained. Now, Im requesting that the documents Ive submitted are thoroughly reviewed, so I can finally stop worrying about this.
Product: Credit card

For at least the past year or so, Citi Card has continually decreased my credit limit on both my Citi Rewards card as well as on my Aadvantage MileUp card in an apparent act of BALANCE XXXX, which has continually caused my overall credit utilization to report far higher than it actually is. Most recently, as of a few days ago, I made a large payment of {$7000.00} on my Citi Rewards card, that at the time had a credit limit of {$7800.00} only for Citi Card to process this payment and then lower my credit limit from {$7800.00} to just {$640.00}, although my XXXX XXXX has increased greatly since I opened the account and my overall credit utilization has lowered since I opened this account. There is no reason that my account should fall victim to Citi Card balance chasing my accounts. Citi Card is the only credit card account that I have that has engaged in this type of predatory lending and it continues to hurt my overall credit profile, due to no fault of my on. I have called and spoken to several representatives with Citi Card regarding this and they all give e vague response or the run-around only to offer no increase of my credit limit nor offer any solution. Citi Card is engaging in predatory lending by balance chasing both my Aadvantage MileUp Card as well as my Citi Rewards card that I have with them and I need it to stop and be reversed.
Product: Student loan

I have already paid into the deferment through wage garnishment. My loans have been on hold for forbearance but while on forbearance they were still sent to debt collection instead of remaining on hold. I am afraid I will not be able to get future education help with this still standing as is. I am planning on returning to school this fall is possible. I have been off work every since XX/XX/2020 from the COVID 19 ffcva with a family member that was left paralyzed and unable to care for themselves at this time.
Product: Credit card or prepaid card

I would like to file a complaint against Penfed Credit Union. They are the most unethical and XXXX  company that i have ever dealt with. 
I decided to apply for a credit with them. After submitting my application, a loan officer called me and asked some questions regarding my business and employment. I have a translation business and I am employed full-time as a consultant. He asked me to send him 2 years of tax returns which I did. Last week same person aggressively calls me and states that my income verification is fake and he verified from 3rd sources. He was discriminating, aggressive and unprofessional. He refused to provide any details and refused to connect to supervisor claiming that he is the decision maker and highest person in the company. I called immediately the customer service and spoke with supervisor. He was very friendly and responsive and he offered me to file a complaint regarding the loan officer which i declined. He was able to find out the reason. According to their ''genius '' loan officer my employment is fraudulent as my business a sole proprietor was required to be registered with California Secretary of State and I was required to have an EIN. I explained the supervisor that both statements are incorrect and he told me that i should reconsider the decision and send a letter to them. I sent a detailed explanation letter attaching more supportive documents regarding my income. The next day I called and was informed that they received the email. on XX/XX/2018 I received the letter stating that my application was declined due to same reason. I called and I was connected to some aggressive and unprofessional representative who declined to connect me to supervisor and provide any reason. After spending 40 minutes with them a representative XXXX told me that my tax documents are fake!!!!!!!!!!!!!! I requested him to clarify how were they able to determine that, did they contacted IRS? He said no! I requested him to send me in a written form that penfed determined that my tax documents are fake he refused to do so. He stated that i could never apply with penfed and he confirmed that they did nothing to verify genuineness of my documents. So basing on their assumption Penfed employees insult, discriminate, harm your credit and call you liar. This is the most unethical company in the world. I provided them with written explanation, I was eager to provide more documents to support my application and i even contacted state and Irs to confirm that my arguments were correct but these people refused to help me.
Product: Debt collection

I was forced to pay a debt that wasnt mines. I ask to send the contract that matches my address and they didnt. I was told that that debtvwas at my current address which is frivolous. I dont have never had XXXX
Product: Credit reporting or other personal consumer reports

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is XXXX. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX Missouri Laws Dear RESURGERECVE, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws under XXXX, Missouri statutes XXXX 

It has unequivocally come to my attention that RESURGERECVE has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law, specifically the identity theft and fraud statutes applicable in XXXX, emphasize the necessity of consumer consent for credit reporting. These laws establish clear guidelines for the fair reporting of consumer credit information and underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for RESURGERECVE to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 
I demand, with the utmost certainty, that RESURGERECVE immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and applicable Missouri state laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that RESURGERECVE will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX
Product: Consumer Loan

I was verbally insulted multiple by a representative. The representative shouted over the phone to tell me to " shut up! '' and afterwards he told me to " be more of man '' and that " I am irresponsible ''. The same representative left me a voicemail stating if I did not call him back he was going to report me to the police.
Product: Debt collection

This is regarding a transaction with XXXX XXXX XXXX XXXX I have a one year contract with them. The contract number is XXXX I wanted to use my home warranty plan to cover the cost to replacing my kitchen faucet which had started leaking. I had purchased my own faucet that I wanted to have installed in my kitchen. I contacted XXXX XXXX XXXX XXXX about this and they created a work order for this job. The work order number is XXXX XXXX XXXX assigned this plumbing job to one of their in-network plumbers called XXXX XXXX XXXX and XXXX ''. The date of service was XX/XX/2022 The plumber arrived on the day of service and he indicated that he could replace the leaky faucet ONLY with the replacement faucet that he carried with him and not with the one that we had purchased/wanted. 

We did not like the style/color of the faucet that he carried with him and and since he would not agree to install our chosen faucet, we told him that we did not want his services. 

The plumber left without doing the job but I received a bill from XXXX XXXX XXXX XXXX for the service fee ( {$85.00} ) I tried calling First American but their wait times are too long. I also wrote a letter to them explaining this situation. I have not received any response yet. However, XXXX XXXX has transferred this case to one Debt Collection Agency ( A.R.M Solutions Inc ) and that company keeps sending me mails about outstanding debt.
Product: Credit reporting or other personal consumer reports

for over 4 years i have been trying to remove this off my credit report but they just refuse to remove it off my report, this was fraud because i never signed a credit report my next step is a arbitration because this was fraud and its been reported but they refuse to remove this off my report i never received a loan from the is credit central company please have them remove me
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I disputed my account and the result was This creditor has verified that the date is being reported correctly. As a consequence, In XXXX I sent another letter requesting Method of Verification but they failed to provide the method verification. Kindly see both results attached.
Product: Vehicle loan or lease

The company westlake finance has my interest at 28 percent and a monthly rate of XXXX for a 4 year old car, my email is constantly blown up by warnings of my past due balance or warnings of reposition my credit gets hit every 31 days I'm late I literally can't win with this company
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX I opened a credit account at XXXX. 
On XX/XX/XXXX, I received my first billing from Barclays Bank. I proceeded to pay the balance in full on XX/XX/XXXX, before the closing date of XX/XX/XXXX. Payment was made by electronic payment from XXXX XXXX. 

Months following, I received statements and incessant phone calls from Barclays requesting payment to the account. I sent 3 letters insisting payment was made, and included proof of bank statements and letters from XXXX XXXX. I talked to Barclay Bank representatives and was continuously told I would receive resolution to the problem in letters to follow. There was never a resolution to the problem from Barclay Bank. 

Finally 8 month later, Barclay Bank sent me a letter stating payment had been resolved, meaning they had finally found my payment. Still to this day, they continue to send me monthly statements and call me requesting all the fees and interest the account had accrued. My payment was made on time they just misplaced it! XXXX XXXX XXXXXXXX
Product: Vehicle loan or lease

I am currently leasing a XXXX XXXX through GM Financial and I am wanting to trade the vehicle in for another brand ( XXXX ). The salesperson at the XXXX XXXX XXXX dealership advised that I should be able to trade my vehicle to another non-GM dealership provided that the dealership is accepting of the purchase, which they are ( XXXX XXXX XXXX XXXX ). When the XXXX dealership contact GM financial to obtain a payoff/purchase price of the XXXX, they. XXXX, were advised that their dealership could not purchase my XXXX, and that I would have to sell it directly to a XXXX XXXX if I wanted trade the vehicle in. If I were to do this, then the purchase agreement with XXXX would increase by approx. {$3000.00}, which I feel is unfair and would harm me financially. Additionally, I've read through my GM Lease contract, and even reviewed it with XXXX from GM financial, who referred me to line item 23e in the agreement and advised that although it does not specifically state that I can not trade my vehicle in to a non-GM dealership, they are requiring it due to the pandemic and to ensure that Gm dealerships get to benefit from acquiring GM products instead of non-GM. The contract terms in item 23e only indicate that if I wanted to purchase the vehicle outright it would be from a dealership designated by GM. There is no language for the situation of trade ins. Again, the XXXX dealership that I leased the vehicle through is also contradicting what GM Financial is telling me. I believe that this practice, since it is not explicit in the contract terms, is unfair, deceptive, and harmful to me financially by causing me to spend an additional/excessive amount by not allowing me to trade my vehicle into another non-GM dealership.
Product: Vehicle loan or lease

i have an auto loan with santander and i am unable to make payments online or on the phone. Every month i am getting fess and late payments because i have to pay XXXX extra dollars to XXXX to make my payment. i have asked them about it over and over and they just say they dont know why i cant make the payment online or over the phone.
Product: Checking or savings account

I have a account with chime today XX/XX/year> I had a direct deposit from child support that chime took and put in a safer credit building account that I had no knowledge about when I called to see what was going on the agent and supervisor was very rude and wasn't helpful at all they just told me about an automatic system that they had that takes money and put in a safer credit building account that I never authorized it they also couldn't return my direct deposit back into my checking account all this is new to me and I didn't have no knowledge about it I'm furious and need better answers this is my money and chime shouldn't be able to do what they want with my money and I didn't authorize it now I have no access to my money and they can't help me this is unacceptable who is chime and how can they do this to their customers
Product: Credit reporting or other personal consumer reports

I have disputed information with Transunion credit reporting agencies regarding inaccuracies on my credit report. Its been a months and have not received any results into my disputes.