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

I have previously submitted a complaint to Navy Federal Credit Union on XX/XX/2021 ( Complaint ID : XXXX ) about denying me an extension of my own credit. As stated in 15 U.S. Code 1691 ( a ), it shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction. An adverse action, as defined in 15 U.S. Code 1691 ( d ) ( 6 ), is a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested. This further supports the fact that I was discriminated against and violated as a federally protected consumer under Title 15 Chapter 41 and that it is unlawful to deny me an extension of my own credit. Navy Federal Credit Union has not replied to any complaint that I have submitted and has surpassed the 30 days of investigation into this situation. I DEMAND that this issue be resolved as soon as possible and that the remedy I ask for is fulfilled.
Product: Money transfer, virtual currency, or money service

My balance was holded for 180days and I received an email for withdraw my money but I cant transfer my balance. Im having problems with adding my card to PayPal. I contacted my bank and they said there is no problem with my bank. I need help with adding my bank account to PayPal. Please let me know which problem that my PayPal account is having and how can I fix or update and verify all of that information so that I can withdraw my money. Thank you
Product: Credit card

My Discover credit card is expired on XX/XX/2020. But I am not in USA these years. I just came back this week and want to recover my credit balance ( around {$800.00} more ). But Discover company told me that my credit card is already expired and they have not any records now. How can this big company lose these important records in only three more years?
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not make this inquiry, I have no affiliation with these creditors, and I request that it be promptly removed from my credit report.
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 USC 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.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.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Hello, I have been a customer of WF Bank for decades. With CD interest rates being higher, I had to go in person to get their new rate or it would renew at THE VERY low rate of previous years. I tried going in and each time there were 15 to 20 people in line. XXXX XXXX XXXX Locations. Each branch manager confirmed they are EXTREMELY short staffed and I would have to wait ( this was also confirmed to their corporate office ). I finally called customer service to make an appt and the soonest available appt was about 30 mins away from my house and 12 hours after my window to renew was closed. There was NO appt available in my area of wells fargo within that week that I am allowed to make the changes to my CD. When I arrived at the bank, though I had an appt, there was still no one to help me. They pulled a gentleman from small business banking to help me and he was as confused as I was. He confirmed that they have been short staffed and don't have staff to help customers. They closed my account and charged me {$170.00} penalty. I was penalized because they don't have enough staff to help their customers. They gave me a week window to do this task, but didn't have any appts for their staff and their lines ( admitted themselves ) are obscene. So they are both saving money on not paying staff/overhead to run a bank, and charge customers a fee for being 12 hours late. I have been a customer for decades and NOT once have I asked them to reverse fees for anything. NEVER. I have always kept my bank accounts in clean state and didn't need overdraft fee reversals or anything else. They one time I needed them to reverse a fee, they didn't. To make matters worse, I only needed them to reverse this fee because they are properly staffed to take care of customers. It is disingenuous of wells fargo to ask me to jump thru a hoop only for ONE week and than not have enough staff to physically hold said hoop. How can i jump thru a hoop they don't have enough staff to hold up? That is where I am. Being penalized financially while they make money off me, while also saving money by not paying salaries to hire employees. Please help me get my {$170.00} penalty back because it is unfair for them to penalize me for something I couldn't do during their window. 

I tried reaching out to their social media team, and after a week they responded. They admitted that they are short staffed and the managers of branch had confirmed they are trying to hire and train staff. At first the social media response team gentleman suggested I should have gone outside my zip code. When i pointed out that I DID DO SO, and he compared the zip code of the bank I visited v. home zip code, he said the whole region is short staffed because salaries are high and training takes a while. Why am I paying a penalty for their training take a while? 

Please help. My finances as a single parent are hard enough, I don't have extra money to give to Wells Fargo because Wells Fargo failed to hire staff and train them. thank you
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, 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 XXXX Balance Owed : {$3900.00} XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX Balance Owed : {$0.00}.
Product: Checking or savings account

I am disputing a purchase and I a haven't been given the right response on several Day beginning XX/XX/XXXX-XX/XX/XXXX on business I been calling and no one has been giving me the right information about when I should receive my money back.
Product: Vehicle loan or lease

We are refinancing our XXXXXXXX XXXX from Truist Bank XXXX XXXX XXXX XXXX XXXX in Colorado. We initiated this process in late XX/XX/year> and were given a check from XXXX XXXX to send to Truist to pay off the car. Truist screwed this up by not sending XXXX XXXX a photo of the back of the check so XXXX XXXX cancelled the check. XXXX federal provided us the funds to XXXX pay off the car through the Truist portal which we called in and did on XXXX of XX/XX/year>. Truist send us a noticed that we were fined a {$20.00} return check fee for THEIR lack of ineptitude. it is now XX/XX/year> and neither my bank or us have received the title or lien release letter. I called Truist and only then did they start that process which is unacceptable. XXXX XXXX has since sent us 2 notices warning that they haven't received the title and after 3 warnings we'd have to file for an extension. Truist will never get my business again. I need Truist to fix this issue yesterday.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2020, I SENT A LETTER TO EACH OF THE BUREAUS ( XXXX, XXXX, AND EXPERIAN ) DISPUTING THE INACCURATE AND INCOMPLETE ITEMS THAT THEY ARE REPORTING ON MY CREDIT REPORT AND HAVEN'T RECEIVE ANYTHING THUS FAR.I ALSO ATTACH COPIES OF THE LETTERS BELOW.
Product: Credit reporting or other personal consumer reports

Demand for immediate action : As a victim of identity theft, I assert my rights under 15 U.S.C. 1681c-2 and 1681b. Its been 30 days ; the law requires action within 4 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMERICREDIT 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 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has disclosed my personal information in a manner that is not allowed by law under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. my rights have been violated and I demanded they remove my information from all three credit bureaus that since they DID NOT have my permission to share my information to other non-affiliated third parties. under 15 U.S. Code 6802 section ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Non of these options was given or explained to me at the time. this practice is an a violation of my rights and demand the removal of the account from all three credit bureaus.
Product: Debt collection

In XXXX I got a letter from FAMS Collection Agency stating that i owe an hospital bill for the year of 2013, that year my state tax refund was taken by FAMS {$290.00}. I mailed a copy of my insurance card once I revived the letter. My hospital bill was paid in XX/XX/XXXX by my health insurance. When i filed my XXXX taxes in XXXX FAMS put another hold on my taxes stating that i owe a debt which is incorrect. I had to resubmit the documents again via email to them and my funds was released in XX/XX/XXXX. I am going through the same thing this year for my XXXX taxes that was filed in XXXX, they keep sending letters to New Jersey XXXX XXXX stating i owe a debt when the debt was cleared 2 years ago. At this point is is fraud because if i would not send the email every year they would have kept my funds. Also it take almost half a year for me to receive the funds that they should not have been holding.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3100.00}, {$10000.00}, {$6900.00}, {$22000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3100.00} -This is not my account. 

2. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

3. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6900.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$22000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

My account with XXXX - XXXX was never late! I have had exceptional payment history with XXXX  XXXX 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 me 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 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 creditor 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. 


XXXX - XXXX 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, credit repair services, or other personal consumer reports

XX/XX/2018, used XXXX to get a free credit report. I filled out the required form and selected TransUnion where I was redirected to the TransUnion website. I expected the free credit report link to be clearly identified, but instead it had an article on credit reports and sales pitches for other services such as " absolutely free '' XXXX. It was unclear which button, if any, would lead to the free credit report. I clicked on a couple of buttons and both led to a form page. After chasing links, I decided to fill in the form page information to see where it would lead ... hopefully to the free credit report. I provided required information including social security number and credit card information. The site said personal credit information is required for identity confirmation only. Then I was required to click an " I agree '' button with no mention of fees, that I hoped would lead to my free credit report. Instead I received a message about being billed {$19.00}. I tried to backtrack, delete, cancel, etc., to no avail. Now TransUnion is withdrawing {$19.00} from my bank account every month. I called the telephone number associated with the charge on my bank statement. The representative said the charge was for TransUnion membership. I did not knowingly authorize this charge. 

I found TransUnion 's website information to be deceptive. Because they deal with sensitive credit information, I mistakenly assumed TransUnion would be forthright in their business dealings. However, credit reporting companies are for-profit entities and as with any company, that sometimes includes questionable business practices, or at least clever marketing tools that mislead trusting consumers. 

TransUnion should be clear about fees associated with all services and tell their potential clients that the button they are about to click will charge a fee to their credit card or bank account. They also need to clearly describe how to cancel their services. There should be no surprises when transacting business with a credit reporting company such as TransUnion.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 XXXX XXXX has made an " Individual Inquiry '' into my personal Transunion credit file after I have used " Check your rate '' tool on their personal loan page XXXX XXXX XXXX XXXX XXXX 

On XX/XX/XXXX, when I have realized that instead of " soft inquiry '' XXXX XXXX  did " Hard inquiry '' I have reached out to the Personal Loan department over the phone around XXXX XXXX. Associate I have spoke with failed to provide me the reason for the inquiry and instead suggested that I should " just dispute the inquiry with the credit bureaus ''. After verifying that there are no existing applications within their system she transferred me to their " Consumer Credit Dispute '' department from where I have been transferred once more with no luck to resolve my issue. 

Meanwhile, my credit score as per XXXX XXXX and XXXX XXXX XXXX tools has decreased by XXXX due to this inquiry. 

XXXX XXXX search shows that there are many people in the same position and complete failure on behalf of the XXXX XXXX  to : A ) fix the issue in their system to stop this from happening ; B ) take necessary steps to address existing concerns.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX My email is XXXX Cell number XXXX XXXX Subject : Complaint Regarding Inaccurate Information on My Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in resolving an issue related to inaccurate information being reported on my credit report by [ Name of Credit Reporting Agency, e.g., Experian and XXXX Despite my attempts to dispute this inaccurate information directly with the credit reporting agency and the data furnisher, the issue remains unresolved. 

The inaccurate information includes the following : Incorrect account balance, fraudulent account, or wrong personal details, trems and agreements Additionally, I have noticed a lack of data reporting from XXXX XXXX, which I believe is critical for accurately reflecting my creditworthiness. The absence of this data significantly affects the completeness of my credit report and my ability to maintain fair and accurate records. 

I have taken the following steps to address this matter : Contacted Experian on XX/XX/year> and submitted a dispute regarding the inaccurate information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-account number XXXX Contacted Experian on XX/XX/year> requesting clarification and correction of the reported data. 
Despite these efforts, the inaccurate information persists, and no updates have been made regarding the missing data for XXXX XXXX. I believe this violates my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies and data furnishers maintain accurate and complete credit files. 

I request the CFPBs intervention in ensuring that : The inaccurate information is promptly corrected or removed from my credit report. 
The absence of XXXX XXXX XXXX is investigated and resolved to ensure the completeness of my credit report. 
Attached to this letter are copies of supporting documents, including my credit report, dispute letters, responses ( if any ), and any additional evidence related to this matter. 

Thank you for your attention to this issue. I trust that the CFPB will take appropriate steps to ensure that my credit report reflects accurate and complete information. Please feel free to contact me at XXXX if you require additional information or documentation. 

Sincerely, XXXX XXXX Experian is the Credit Reporting Agency in question
Product: Credit card

XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX alert. {$280.00} XXXX XXXX. I rejected authorization for this Purchases looked at, did not make XX/XX/XXXX {$100.00} and {$100.00} even purchases XXXX XXXX XXXX XXXX XXXXXXXX called by me XX/XX/XXXX and fraud reported Letter dated XX/XX/XXXX that verified that I benefitted received sometime XXXX and that I can receive copies of research. 

XX/XX/XXXX I called XXXX. Requested proof of my benefitting. Also resubmitted claim. XXXX made online. Inmate package ongoing XX/XX/XXXX XXXXXXXX XXXX call. XXXX left. I call back XXXX pm. No answer. Voicemail left by me. No return call. 

Sometime in between receive rebuttal XXXX. Photos attached of this letter. While provide proof my card information used, do not demonstrate I made this purchase. This answered no to prior question if provided evidence I benefitted. I did not authorize purchase or benefit from it. Someone who stole my information made purchase and benefitted. 

Part of XXXX letter that I had prior purchases. I had overlooked this in original report, but these purchase ALSO not from me. Called XX/XX/XXXX XXXX and added XXXX {$77.00} and {$87.00} XX/XX/XXXX purchases to fraud claim. 

XX/XX/XXXXXXXX XXXX XXXX refunded and closes. 

XX/XX/XXXX letter dated XXXX that XXXX case closed, not in my favor as I benefitted, which I argue I did not as info stole and someone else received services without my authorization. 

XX/XX/XXXX XXXX called regarding case. Told no further escalation and I could file police report. XXXX not physically stolen though or missing, information stolen online which is location less. 

I am not satisfied with response. Argument is that service delivered as card information correctly provided, but my rebuttal is that I did not get a service, did not authorize XXXX purchase, and I dont understand how XXXX XXXX  or XXXX does not question purchase more when I live states away, online location of purchase can be generally pinpointed and XXXX is not a place I visited for over 10 years. With XXXX XXXX, I believe my identity was stolen by criminals and this behooves further investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX , Company Inquiries : 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