23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Navy Federal Credit Union closed my share account, credit card, and CDs without any notice. There were no late payments. My credit score is more than XXXX ; and there is no explanation of where the cash is. This occurred to the bed of my knowledge overnight. Again - without any notification. This will reflect negatively on my credit score as this credit card is XXXX of my longest standing cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had noticed that someone had been using my information and had been making unauthorized hard inquiries by fraud and here is the list 1. XXXX XXXX  XXXX and XXXX 2. Chase Card XXXX and XXXX 3.XXXX XXXX XXXX XXXX 4.XXXX XXXX
Product: Money transfer, virtual currency, or money service

Identity theft! 
Somebody used my personal information to open a bank account and open an account at Robinhood, i reported straight away that this is a fraud, i sent emails to robinhood suport and i was communicated that theyll closed the application attached with my details, to find next day that there was activity going on, some ordered placed and executed.Its so hard to get In touch with someone from customer services in order to do that, i had to use the forgot password option to log in to that account that was created by fraud with my details and only by signing in you have the option to request a call, I explained the situation that happened with me, they restricted the account, and removed the devices that were logged in.Few days after i receive an email that congratulations youre level 3, so i sent emails again, submitted all documents necessary, logged in again with forgot password option worh a different device to requested a phone call back again and unfortunately nothing, havent receive any phone calls or response about this matter.It is so frustrating, i never been put in situations like identity theft, that is stressful enough, and to find that company is not helping you in this matter even you reported about it straight away and also that they even allowed money transactions to take place, and the account cant be closed until all the transactions are finalized. 
Robinhood.com
Product: Mortgage

Complaint about Chase Bank ... .. 
We were told our loan should have no issues, excellent credit, lots of equity, large income. We were told to expect to closing on or near the date of XX/XX/19. But the APPRAISAL VALUATION DEPT. at Chase Bank had the appraisal that was done on the property and was holding up the process. Question after question, some that were complete nonsense. Questioning 1. why the quest house didn't have a dining room, 2. why was value giving to our game room, 3. why wasn't foreclosures uses as comps, ( more than once this question was asked ) 4. why weren't we living in our main house yet, 5. then why were we living in our guest house, 6. obsessive questions about why we didn't have crops while living in the country, 7. why didn't we sale our house when we listed it last year, 8. saying our pond would be not be conducive to crops ... .THEREFORE UNMARKETABLE, 9. they insisted properties with only one house be uses as same value to our property that has two large newer homes. On and on they ripped the appraisal apart for 3 weeks. Costing us time and money. Trying everything to DEVALUE my property over and over again! When we had had enough we emailed the loan agent a note that we believed the only thing they were validating was their jobs, also the appraiser got snarky with them because they were never happy with any of her answers. My loan agent had forwarded our email to that Valuation dept. and the result was that the Appraisal Valuation dept. DENIED our loan. My loan officer was shocked ... I believe this was out of spite.

We have had appraisals done 3 times by 3 different people over the course of a year and all were over {$1.00} XXXX. But Chase Appraisers could not accept that. 
Our Credit score over 800 Our Income over $ 100K Over $ 780k in equity ... .. 
The loan agent filed a complaint on our behalf and we were supposed to receive a phone call from the bank within 3 days ... that never happen. 
It seems to me the appraisers at Chase should just do their own appraisals, why pull a third party into it? 
I am attaching copies of the questions the appraisers at Chase Bank sent to the independent appraiser THEY HIRED at my expense.
Product: Credit card or prepaid card

Blue Bird has done nothing to help the people like me because of COVID-19! I have not been happy in 15 weeks, no responce and no nothing, and all they can do is misplace pre paid debt card transactions, and charge me fee after fee! Please do not waste your time here! Worst bank I have ever dealt with in 43 years of wreckening. They NEVER answer customer service, promise to call back and dont, ignore emails. Avoid at all cost! Where do I begin? I would give a zero if possible. XXXX, XXXX closed my checking account for " fraud. '' I thank them. So that part is good. I don't want to do business with the clueless. First time I've ever been accused of fraud and thats not so its my dad. But they wasted three weeks of my time and made it difficult getting my {$25000.00} back from them. When I finally screamed at them that I don't care, we're done, give me my money back ... I got it back. Nice doesn't work. I moved from XXXX  to XXXX  and opened an account online ( big mistake ). The online portal didn't work right. So I called, ( all-total five phone calls ) to get it corrected. Finally, the transfer went through. After they got my money, they cancelled my account. The whole time I was locked out of my account and the online people said Blue bird would explain why ... they were also sending me " welcome to b '' emails. Blue bird "  We're here to help you. '' No joking, I'm serious. Cut to the end ... I don't know what the fraud was, because the final letter was vague and pinpointed nothing to help me out., have no debt, and a. Good luck, worst banking experience ever. If I could give zero stars I would! I was discriminated against, I am currently being falsely accused of committing fraud while I was trying to diversify my bank portfolio! They closed my accounts without any notification, it has been 2 weeks and I have yet to receive a written notice on why my accounts were closed and they are wrongfully holding my funds and refusing to release them to me violating Regulation CC. Filing complaint with the FDIC.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following inaccuracies on my Equifax credit report, which I initially contacted Equifax about on XX/XX/XXXX. As of the current date, I have not received any response from Equifax regarding these issues. Below, I provide the details of the erroneous information and the required corrections : The account listed as XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1500.00} ) was never late. I kindly request that you correct/update this inaccurate information on my credit report. 


The account with the account number XXXX, identified as XXXX XXXX ( Date Opened : XX/XX/XXXX, High Credit : {$8000.00} ), was never late. Please correct/update this erroneous information on my credit report. 


The account with the account number XXXX, labeled as XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$350.00} ), does not belong to me. I request that you promptly remove it from my credit report.
Product: Credit card

This account is not mine. XXXX & XXXX tried to sue me and I was able to fight it. I disputed this account with the Credit Bureaus and it came back as verified. I never had a Care Credit card.
Product: Checking or savings account

I opened account with a promise of promo bonus of {$220.00} for having direct deposits to my account and never got it.
Product: Credit reporting 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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

I 've contacted  XXXX  and Equifax on multiple occasions and they insist on giving me a hard time. I 've had absolutely no problem with  XXXX  disputing and deleting credit inquiries that were fraudulent and unauthorized. I dont understand why its so hard for these other  XXXX  credit bureaus to address and correct the concerns of the consumers. I know they are in the business of making money while our credit is destroyed but its just not right. I did exactly what I was told to do. I contacted each creditor where these inquiries came from and they told me that I have to contact the credit bureaus. I thought it was the credit bureaus job to dispute and investigate any errors that are on my credit report. If im telling you I was a victim of fraud why would n't they look into it more than they do? If   XXXX    can do it, im sure  XXXX  and Equifax can do it also they are just refusing to be accomadating. Ive called many times because I had names and addresses on my credit report that werent mine. I had  XXXX  different social security numbers on my   XXXX   report and they updated my info and removed the inquiries with no problem. Someone need to investigate the unethical practices going on with   XXXX   and Equifax.   The FRAUDULENT inquiries are as follows ;  Equifax  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

Dear Region/AMS, I hope this letter finds you well. I am writing to you regarding a late payment reported on my XXXX, in XXXX. I understand the importance of timely payments and take full responsibility for this oversight. 

I have been a loyal customer of for 3 years and have always strived to maintain a positive payment history. I made on time payments for years, I have a baby on the way and I'm looking to buy a home with my family this is really hurting me from get the home I love can you guys please remove this from my credit report, This was an isolated incident, and since then, I have diligently ensured that all subsequent payments have been made on time. 

I am requesting a goodwill adjustment to remove the late payment mark from my credit report. This adjustment would greatly help improve my credit score and better reflect my overall payment history. I am committed to maintaining my account in good standing and have already taken steps to ensure that such an oversight does not occur again. 

I value my relationship with Region/AMS and appreciate your understanding and consideration in this matter. Thank you for taking the time to review my request. I look forward to your positive response.
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that TRANSUNION, XXXX AND XXXX are reporting inaccurate credit information in my credit report. Date of last activies, date report and high balances are different in all tree credit bereaus. Anything in my credit report have to be 100 % complete and accurate and those dates are inacurate in all three credit beraeus. 

Alleged Creditor : XXXX # XXXX Alleged Creditor : XXXXXXXX XXXX  XXXX # XXXX Alleged Creditor : XXXX XXXX XXXXXXXX This is a violation of the FCRA and I respectfully request that they remove this listing immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information appearing on my credit report and to demand a proper reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Despite my previous requests, you have failed to provide verifiable proof of the alleged accuracy of the disputed account ( s ), thereby violating your obligations under FCRA 611 ( a ) and 623 ( b ). Furthermore, your continued failure to properly investigate and correct these inaccuracies constitutes a breach of FCRA 617, which imposes liability for noncompliance. 
Legal Precedents and Monetary Liabilities for Noncompliance Your failure to properly investigate and correct inaccurate reporting is not only a violation of federal law but has also resulted in substantial legal liability for credit reporting agencies ( CRAs ) and data furnishers in numerous cases. Below are examples of cases where courts have held CRAs and data furnishers liable for FCRA violations, resulting in significant monetary damages : XXXX. XXXX XXXX TransUnion LLC, XXXX XXXX XXXX XXXX ( XXXX ) The U.S. Supreme Court upheld a class-action lawsuit against TransUnion for improperly labeling consumers as potential terrorists or drug traffickers without proper verification. The company was ordered to pay over {$60.00} XXXX in damages. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX was found liable for failing to properly investigate and correct inaccurate information on a consumers credit report, leading to statutory and punitive damages. 
XXXX. XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX Fed XXXX XXXX. XXXX ( XXXX Cir. XXXX ) XXXX was held liable for failing to reinvestigate disputed accounts, resulting in an adverse impact on the consumers credit profile. The company settled for millions in damages. 
XXXX. XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ) XXXX was found to have negligently handled consumer disputes and was ordered to pay damages for emotional distress and reputational harm. 
5. CFPB Enforcement Action against TransUnion ( XXXX ) The Consumer Financial Protection Bureau ( CFPB ) fined TransUnion {$3.00} XXXX for failing to correct inaccurate reporting and misleading consumers about dispute resolution rights. 
These cases illustrate that CRAs and data furnishers who fail to adhere to FCRA regulations can and will be held accountable through legal action and financial penalties. Your refusal to provide verifiable proof of the accuracy of the reported account ( XXXX ) places you in direct violation of your statutory obligations and exposes you to potential legal consequences. 
Demand for Reinvestigation Pursuant to FCRA 611 ( a ), I demand that you immediately conduct a thorough and reasonable reinvestigation of the following account ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

When I logged into my BB & T mortgage acct. to make a principal only payment, I noticed that my monthly home mortgage payment had increased. I then searched all areas of my online acct. to try and locate a payment change notification. I could not find this information. I believe their website is purposefully insufficient because the information was not there. Next, I called them to inquire about the increased payment. After speaking to XXXX XXXX, and later to her supervisor XXXX XXXX, I became concerned with BB & T 's business practices. They needed my full social security number and my date of birth to pull up my account. I objected but provided the last 4 digits  of my SS #. Then they required going over my current profile information for even more identification and I had to stop them when they read my phone number incorrectly. They had the wrong area code for my phone number. I have had this acct. for years, and now my phone number was suddenly incorrect. I as logged in to my online acct. at the time, and so I asked if I could correct the area code myself. They said no. They said they are the only ones that could correct the area code, and would only do so if I would provide them with my entire SS # and DOB, over the phone. I explained that I felt this was unreasonable, and that I did not want to do both because I was on a cell phone and in front of my computer, and that I believed that providing both over WIFI could put me at a higher risk for identity theft. I bank with XXXX, and have also banked with XXXX in the past, and they have never required me to give both of these items over a cell phone. Especially, to just change the area code of my phone number, a telephone number that I was currently speaking to them on, and that they could easily verify. The area code was wrong but the rest of the phone number was correct. I asked if they could even call that number, with the bad area code and see for themselves it's incorrect, or check my loan origination records on my account, or use the area code in my billing/mailing address on file, to call me back on that area code. I asked if they could send me an email using the email on file or by something else that is on my account to verify, once again, that it was actually me. So, my refusal to give my full SS #, and DOB over WIFI, they refused to correct the area code on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan account is reporting a late payment on 9 different accounts during the time of COVID. I reached out to the Credit Bureaus no update o even emailed the the CEO XXXX on XX/XX/XXXX who stated that they cant have the account updated. According to the Student Aid website loans are paused with 0 interest. I have never been late on my payments always been in deferment. Please provide me with an update
Product: Checking or savings account

I opened business account with CITIBANK - everything was fine until I received a wire for {$100000.00} dollar from a client - Wire was put on hold and same day, account was closed without any explanation I went to the local branch where I opened account and was told to wait for a letter from CITIBANK - branch manager could not help at all I received a letter stating of violating company policy without any explanation and to wait 60 days to receive funds I kept calling every 2-3 days and funds were still in the account - Sender wanted to recall the funds but I told them not to because it would make it harder and longer On XX/XX/XXXX I called fraud department to see if account is closed and check on its way In short I was told account is closed but no check would be sent to me without any explanation I was in shock - contacted the sender to see if they got funds back or made a complaint Sender confirmed not receiving any funds back It's been 1 month now and I can not get a clear answer on what has happened or going on - CITI has unnecessary departments doing the same thing but no one is allowed to explain why account is closed At this point, I do not care to bank with them at all but need to find out where the funds are before it gets out of hand This matter started on XX/XX/XXXX2024 I have begged over and over for an explanation since sender never complaint and funds are legitimate How can I get some help?
Product: Credit reporting or other personal consumer reports

I have been disputing these accounts for over a year They are reporting to my credit report wrong. 

XXXX XXXXXXXX XXXX XXXX  {$6600.00} XXXX XXXX  XXXX {$1400.00} XXXX {$540.00} XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX {$500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company refuse to remove inaccurate information that's leading to poor credit score. 
closed accounts. account fraud and some not belonging to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian response. 
" We had previously placed the item under reinvestigation per your request, on XXXX XXXX, 2021. The data furnisher responded and verified that the disputed information was accurate as reported. The results summary was sent to you for review on XXXX XXXX, 2021. If you have any additional supporting new documentation regarding the disputed information or any new disputes, you may forward that to Experian for further review. If you disagree with the results of the reinvestigations, it is your legal right, under the FCRA, to add a 100-word statement specifying the nature of your dispute. The consumer statement will appear on your credit report and be viewable upon inquiry '' I SENT YOU EVERY PAPER ON THE XXXX ACCOUNT THAT PROVES OVER 50 % OF THE PAYMENT HISTORY IS INCORRECT AND YOU COME BACK SAYING EVERYTHING IS ACCURATE, I'M DONE I WILL BE FILING A LAWSUIT IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I reached out to Navy Federal regarding their report of my XX/XX/year> payment as a late payment. They initially stated the information was accurate but later changed the status to XX/XX/year>. I explained to them that this information is inaccurate and provided bank statements showing the payment was taken out of my account not once, but twice. I contacted XXXXXXXX XXXX and they instructed me to reach out to Navy Federal because there was nothing they could do. After speaking to a representative, he mentioned an entirely different bank 's name instead of XXXX XXXX  This is a violation of my rights and goes against law 15 U.S. Code 1666b - Timing of payments.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks
Product: Debt collection

Ive requested documents from NCB Management Service Inc three times and havent got a responce from them. I dont know what i have to do to have them tell me why i owe them money when i dont even know who they are and have never did business with them.
Product: Money transfer, virtual currency, or money service

I have money in my XXXX XXXX XXXX XXXX  account. 
I used Xoom to transfer US {$1300.00} from XXXX to XXXX XXXX, XXXX. 
XX/XX/2023 : Xoom debited {$1300.00} from XXXX account, transaction ID XXXX, but did not execute the transfer to XXXX XXXX, XXXX, as requested, citing some error with recipient address. 
On that same day, Xoom debited the 2nd time, another {$1300.00}, transaction ID XXXX, again did not transfer, this time citing some error with remitter address. 
These 2 debits, amounting to a total of US {$2600.00}, rendered my XXXX account negative. 
Xoom subsequently refunded me {$1300.00}, and {$1300.00} only. 
I wrote to Xoom many times, as well as tried to contact them, all to no avail. 
Xoom keeps stating that they debited {$1300.00} once, and once only. 
They refused to refund me the other {$1300.00} amount. 
Recipient receives nothing. 
I lost {$1300.00} in the transfer process, my account balance now is only {$20.00}.