23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2022 I attempted to send {$500.00} from the Navy Federal account ending in XXXX. The transaction was labeled XXXX XXXX XXXXXXXX XXXX XXXX XXXX would not allow the transaction to go through ( see attached ) as Navy Federal was initially blocking the charge for suspicious activity.

After a few more tires at it, Navy Federal allegedly released the funds, however ; XXXX XXXX  denied it. The monies were never rendered to the platform XXXX XXXX and a pending charge was placed on Navy federal. 

I reached out to both platforms. XXXX XXXX  stated that if it was pending, it would likely fall off in XXXX days as they had not accepted any amount of monies during this transaction. After XXXX days, the transaction posted on the Navy Federal account XXXX 

I disputed this charge on XX/XX/2022 and provided sufficient evidence. On XX/XX/2022, Navy Federal provided a temporary credit ; while they continued to work on the claim. On XX/XX/2022, I was notified that Navy Federal is going to recollect this {$500.00} on XX/XX/2022 due to not insuring peer to peer transactions. 

However, it is to my understanding, that a banking error occurred on the side of Navy Federal. XXXX XXXX denied the {$500.00} and Navy Federal Sent the funds to a place that no one ever received. 

If the funds are recollected, this will hurt me financially and are unfair and unjust business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX XXXX Accounts and collection agency has violated my rights.

S.C.1681 section 602 A. states I have the right to privacy. it also states under section 604 A section 2 a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

HARASSMENT : I have several dispute trying to remedy your mistakes in my Credit Report about my Bankruptcy. My Bankruptcy is more than 10 years old. This mistake has been impacting my financial status, causing irreparable damage in my economy. The investigation conducted by XXXX XXXX and Equifax about the time of my bankruptcy took less than one week. I contacted the United States Bankruptcy Court XXXX XXXX to get more information about my bankruptcy and the response was they do not report at any Credit Bureau XXXX I contacted the XXXX XXXX XXXX XXXX too and I received from them an email saying that they need information about myself. So if they don't have my information, in this case how can the company report any information. Otherwise, XXXX XXXX made the same investigation about my issues with my Credit Report and took my case seriously and Deleted it from my Credit Report. Then, why does XXXX and Equifax doesn't take my dispute seriously, I am taking this flippancy as Harassment, just because I am XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, AD ASTRA RECOVERY SERVIC add a derogatory marks on my credit reports per XXXX, XXXX  and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA AD ASTRA RECOVERY SERVIC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

30 days ago I disputed a XXXX XXXX account that is hurting my Experian credit report I got a answer from Experian and they said that they had verified the account belong to me I don't believe it does because it is attached to a address that I have never lived at a address that I also disputed
Product: Credit reporting, credit repair services, or other personal consumer reports

it has been 45 or longer days since ive heard from the bureaus about my credit report. i have been trying to reach them but no one gives me a result on my dispute response.
Product: Credit reporting or other personal consumer reports

These 2 items need to be removed 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

I have reach out to XXXX, XXXX, Experian to investigate the public records each has listed on my credit reports. This items was not reported to the credit bureaus from the original creditors and therefore was not verified through any investigation. I submitted documentation to each of the credit bureaus from the courts stating they DO NOT report to any credit bureaus. 

I've submitted several claims. The last communication was received on XX/XX/21 and the letter I received from them was dated XX/XX/21. Verifying that they verified the claim with the original creditor. I reached out to them to ask whom they spoke with, the persons job title, and phone number they used to contact the Courts and was not provided any of the requested information. 

The credit bureau has been evasive on providing information in regards to their investigating.
Product: Consumer Loan

i lease a 2014 XXXX from autotrakk out XXXX PA found later the car has off the market parts valued at over {$3000.00} dealer has refused to replaced oiginal parts
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing this letter today about my experience with Synchrony Credit/ Gap Card . I called them over 30 days ago to explain the situation I was in that affected my credit report in 2017. I never heard back from anyone at Gap and they said I would be notified via mail which I never was. I called them today to talk to someone regarding the late account again, and notified them I had sent a letter explaining the problem and how I was dealing with a family matter and I assumed my account was on autopay. It is imperative that my credit reflects the good business relationship I have maintained with them since then. I am in the process of refinancing my home and I am unable to refinance at the moment due to this matter. I hope this issue can be resolved and I can continue a good relationship with them. 

Thank you. 
Sincerely XXXX XXXX
Product: Credit card

An email was sent to me stating that a credit card from Capital One is opened in my name and is in transit to an location I dont know about. I did not open this account and I believe this is fraud and identity theft. I have never did business with this establishment .This happened on between XXXX and XX/XX/XXXX.
Product: Debt collection

Received a text message ( XX/XX/year> ) as following : This text is from Halsted Financial, a debt collector regarding your XXXXXXXX XXXX XXXX XXXX. account. Visit XXXX XXXX XXXX XXXXXXXX. Report stop to opt-out or call XXXX. # of messages varies. Message & data rates may apply. This is an attempt to collect a debt and any information obtained will be used for that purpose.. Reply STOP to opt out. 

So I clicked the link and it asked for my last 4 digits of my SSN. I gave it. Then it shows me a phone number to call. I called, a person asked if I know " XXXX XXXX '', I said no. Then he said it was a mistake and hung up. Then I realized, it is a scam because I don't think I have debt. Except medical co-pay one doctor didn't send me for several XXXX visits. I didn't get bill. I thought it might be that and tried to find out. 

The real name or the scammer might be hidden under the URL given in this message. So I don't know if Halsted Financial is the scammer or it was hidden under this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

After a nearly 10 months of fighting the credit reporting agency Experia they have finally removed an erroneous collection on my credit report that lowered my score to the point I was not able to get a refinance market at a reasonable rate. 
They removed the error on XX/XX/XXXX. On the XX/XX/XXXX was their adjustment or my credit score and when contacting them they say they could not do this correction at once but I would have to wait to XX/XX/XXXX. 
My home is now going into foreclosure because I was not able to refinance a line of credit with my bank.. I need this suggestion to my score immediately before I sue them for the cost differential for my new mortgage.
Product: Checking or savings account

On XX/XX/XXXXI made a cash deposit of {$83.00} at the US Bank located at XXXX XXXX XXXX. XXXX CA XXXX. 
I inadvertently used another financial institution debit card, I put in my PIN number and selected deposit. I put the cash money in and the button asked to complete deposit and a receipt came out stating deposit denied call the XXXX and then my card came out and I realized I used the wrong card. When I got home I called the XXXX number and the person that I spoke with said I would have to go inside the branch. 
Monday morning about XXXX I spoke with a banker, showed her my receipt and on the receipt where it list the last four digits of the card that I used was not US Banks card but my XXXX  debit card. The banker said its not something a branch would be able to handle but to call the XXXX number on the receipt. 
I was in the parking of the branch and called. The representative said because this is a business account it could be cleared within 4 days. I got upset because I had 2 checks out payable to my credit card company and didnt want my checks returned. He said any fees occurred would be refunded and I asked would like credit my account for fees my credit card is going to charge me and his response was thats not something they would be able to do. Again I got upset asking for a supervisor and he told me to hold on. About 2 minutes later he came back and ask me to continue to hold for a supervisor. He later came back and asked for my contact information and his supervisor would call me back. 
On Tuesday morning about XXXX I called the XXXX number and was told my claim was denied because no extra money was found in the ATM. I hung up and 10 min later I called to find out why it was denied and that something needed to be done because I made a cash deposit and someone needed to do some investigating. 
As of this writing my claim is being denied
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX Balance : {$240.00XXXX XXXX XXXX Balance : {$430.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called several times to  XXXX ,  XXXX , and Equifax and asked them to remove the hard inquires off of my credit report. I did not submit those inquiries. I have called the companies that they said to and they have absolutely no record of me doing it which means they have nothing to send to the credit bureaus to take them off.  XXXX ,  XXXX , and Equifax all refuse to take them off.     I am thoroughly frustrated with this! I want them to be taken OFF. All  XXXX  agencies have been completely uncooperative with this issue.
Product: Bank account or service

I went into a local Chase Branch around XXXX to open an account. I found out there had been an open account under my information that was not mine. I disputed the information with Chase and sign all their affidavits etc - they had promised me that once I had fullfilled all there request that I could then open a checking and savings account. Finally back in XXXX I got a letter from chase telling me that I was not liable for the account and all the fess and information would be deleted. ( please refer to the second page of the attachment for this information. ) On the second page of the letter they sent me they stated I could open an account again. I went into a branch today XXXX/XXXX/16 to open an account. Before the rep even got all of my information she said because there was an open fraud case in the past they would not be able to open a account for me. I explained to her that it was closed - and I was found not at fault and was promised to open an account once it was all said and done .She said there ware nothing she could do.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a purchase in the amount of {$1300.00} at Sams club. I noticed 10days later that the transaction was not reflecting on my account. I called and spoke to a Lady and she assured me that I would not be responsible for this charge. Today I took a look at my account and realized that I still got the transaction in my credit card.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally notify you that my identity has been stolen, and despite taking the necessary steps to address the issue, no resolution has been reached after more than 30 days. I have taken the following actions to rectify the situation : I have contacted all three major credit bureaus ( XXXX, Experian, and XXXX ) to report the identity theft and requested that they take immediate corrective action on my credit report. 
I have filed a formal complaint with the Federal Trade Commission ( FTC ) and created an Identity Theft Report through the FTC 's identity theft process. 
Despite these steps, the fraudulent information remains on my credit reports, and no resolution has been provided. It has now been over 30 days since I initially reported the identity theft, and I am seeking your assistance to expedite the deletion of all fraudulent accounts and information from my credit file. 

Please take immediate action to ensure that my rights as a consumer are protected, and that my credit report reflects accurate information. 

Thank you for your urgent attention to this matter.
Product: Debt collection

I paid a debt for XXXX on XX/XX/year> through XXXX XXXX, another debt collector. I asked Radius global solutions to take it off my credit saying it was paid. They wrote a note in my XXXX account that the account was taken care of and that it was paid for. I've disputed it 4 times with XXXX and they haven't bothered to take it off yet. Please help me. I have proof from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Transunion has failed to fulfill its legal obligation under the Fair credit Reporting Act ( FCRA ) to conduct a. reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Transunion, alleging systematic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunion inaction violates federal law and my rights as a consumer.
Product: Mortgage

We have attempted to modify my mortgage that was serviced originally by XXXX XXXX and most recently with XXXX XXXX. I have called XXXX to help us with our modification to keep our home. We provided all the documents that were requested. On XX/XX/2019 we received a letter from XXXX XXXX thanking us for submitting a request to be considered for our loss mitigation programs. They state they were submitting our application to underwriting. We do not need to submit more information at this time. If they need more information they will send a written notice of the additional requirements. They will contact us within 30 days. However on XX/XX/2019 we have received Late Payment notices with late charges as if we are not working with the lender. The delinquency notice states that they have made the first filing or notice to commence foreclosure of this loan account. 
We received a letter from XXXX XXXX  on XX/XX/2019 regarding : Loss Mitigation Review and the Loan Modification was Denied. 
The letter states the reason not eligible for forbearance or a loan modification agreement because : I did not submit sufficient information for them to review the application before the deadline and to see previous letter that was sent to me. What I received I did send to XXXX and they said they forward everything they asked for to XXXX  XXXX. 
We are not eligible for a Short Sale or Short Pay resolution because they have concluded the property value upon sale should be enough to pay the outstanding loan balance in full. 
I would like my information reconsidered for better options to keep our home.
Product: Checking or savings account

BANK OF THE WEST holds a debt of XXXX $ in my name. They have been reporting it against me as a debt by XXXX XXXX XXXX. Ive made several attempts to remedy the debt as a pay for deletion consider they never informed me of the debt in the first place FOR MONTHS. I how ever have proof of my attention to the debt and offers to settle it and they still dont reply. I waited 30days for a reply after I offered XXXX $ XXXX dollars over the amount for a deal. No reply ... just send last offer at {$160.00} yesterday
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 
Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I did go into XXXX XXXX Bank to report my atm card lost or stolen. I did file the bank person. So do i owe for it? I also know who stole my atm card from US Bank. His name is XXXX XXXX. He had taken my purse. I was unable to make a police report.
Product: Credit reporting or other personal consumer reports

I was informed that I was involved in a security breach. So I checked my credit report and see that there are multiple things on my profile that I do not recognize. 
Multiple Hard Inquiries, and multiple accounts.
Product: Payday loan, title loan, personal loan, or advance loan

Took a {$1000.00} loan with a 24 % apr. Went to pay off loan in full and first they don't allow full pay outs of the loan and I found out they added {$540.00} of interest on the loan immediately. I look into the loan agreement and it says it's at 544 % interest charge. So a {$1000.00} loans will end up costing {$9200.00}.
Product: Consumer Loan

This was a installment loan from XXXX { the XXXX XXXX XXXX XXXX XXXX } who days later transfered to Cash Call and than Month or two later transfered to XXXX services and after about a year transfered back to Cash Call..all through XXXX I have found out this is preditor loan with super high interest, illegal in Arizona and several other states in the US who are suing these companies ... I understand you { CFPB } also have a lawsuit against them. They have been sending me letters requesting different amounts to pay this loan off.This was an unfair, deceptive and abusive act and practice.Under statutes in Arizona any obligation to pay such loan is rendered void or otherwise nullified in whole or in part by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, It has been well over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. My Social is XXXX My D.O.B is XXXX My Current Address is XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX.
Product: Money transfer, virtual currency, or money service

Tried to link my PNC account to my XXXX XXXX to transfer money to a new savings account and it won't work because of PNC.
Product: Credit card

I have been making payments to my credit card and now they just lowered my credit limit when I made a big payment. They are purposely hurting me on my credit report and personally when I have been good customer for many years. I want them to give me back my credit limit Ive had for years as Im paying down my balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper use of credit reporting I need you to show process of verification of those late payments as well as these late payments are in relation of a computer error that happen on the site of Capital One
Product: Credit card

On XX/XX/XXXX, Discover informed me they had reduced my credit limit by 25 % on XXXX card and by over 70 % on my other card, severely impacting my FICO credit score, which according to Discover 's site is currently XXXX, which does not seem to warrant this negative action. I have always made my payments on time and have never given Discover any reason to suspect I won't pay them. This is after they attempted to close my accounts previously due to their own errors and what I suspect was discrimination, as I documented in a previous complaint. I suspect that this action may be in retaliation for that complaint or further discriminatory action, as no other credit card company has taken such actions against me and I receive several offers per week for new cards from other companies. This is now the second time Discover has taken negative actions against me that I've had to bring to this agency which negatively affected my credit score and financial planning for which there does not appear to be a good reason other than they just don't like people like me. My current credit profile looks very much like it has at other times I've had cards with Discover when I had major purchases to make, such as the XXXX holidays, and I've always paid on time, and returned to a favorable credit usage status on my credit report overall so I'm left to believe it's simply retaliation for my previous complaint or discrimination. I didn't bother contacting the company because the last time I had a complaint, which was resolved in my favor, they gave me the runaround for weeks wasting hours of my time and forcing me to complain to this agency to obtain correction of their mistake.