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

I am writing to file a formal complaint against Navy Federal Credit Union regarding unauthorized and duplicative charges to my account. Specifically, these issues stem from transactions made with the car rental company XXXX. 

Details of the Complaint : Transaction Dates and Amounts : Initial Transaction : Date : XX/XX/year> Amount : {$2100.00} Reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  location ( XX/XX/year> - XX/XX/year> ) Second Transaction : Date : XX/XX/year> Amount : {$750.00} Reference : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX location ( XX/XX/year> - XX/XX/year> ) Issue with Pending and Finalized Transactions : When I swipe my debit card for the amount, the money goes into a pending status, making the funds unavailable for spending. 
After three days, if the car rental company does not collect the money, the funds should be made available to me again. However, Navy Federal Credit Union fails to release these funds.

When the car rental company eventually collects the money and the transaction is finalized, I am charged again for the same amount, leading to double charges. 
Amounts and Impact : I was charged {$2100.00} twice and {$750.00} twice. 
This resulted in {$2800.00} being taken from my account twice, causing significant financial stress and hardship. 
Missing Transactions and Ledger Manipulation : I have noticed that these transactions are sometimes removed from the ledger, making it appear as though I am mistaken or confused about my account balance. 
This manipulation of the transaction history has made it incredibly challenging to track my finances and understand the true status of my account. 
Supporting Documentation : I have attached the relevant bank statements and rental invoices from XXXX for your reference. These documents clearly show the duplicative charges and the dates on which they occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was sent information on letters stating that they verified it through the original creditor, but don't state how nor was any proof given. I was only told that it was verified through XXXX XXXX also that they purchased my info from them. They also advised me that they received this through third party public information. This alone is violations under FCRA and USC laws. These laws state that I have the right to privacy which means 1 did not give them authorization to report this on my behalf. FCRA 623 ( a ) ( 5 ) states if the credit bureau cant VALIDATE the information with the ORIGINAL CREDITOR they must remove the information from my report.

I. WHAT YOUR COMPANY NEEDS TO KNOW 1. Please be aware that I dispute the information ( U.S. Bankruptcy Court item ( s ) ) contained in my credit/consumer file.

2. I carefully investigated this incident, the U.S. Bankruptcy Court never provided any information to your company, nor do they ever validate and/or confirm public records ; 3. The public records information is never validated by the Recorder of Deeds nor the U.S.

Bankruptcy Court system due to the Fair Credit Reporting Agency Privacy Law ; 4. The U.S. Bankruptcy Court confirmed that your company has never validated or verified this public record entry on my consumer/credit report, neither will they ever be by them. They further stated while they are not liable or responsible for any misuse or incorrect public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly ; 5. Your company reported unverified derogatory information to my consumer/credit report ; 6. Your company failed to provide me with competent and documentary evidence to prove that the disputed information is verified. The law is clear : " If the CRA can not validate the information with the information furnisher, CRA must remove said information from the consumer file '' ; 7. According to the FCRA, I have the right to an accurate consumer/credit report.

YOU HAVE 15 DAYS FROM RECIEVEING THIS TO REMOVE IT or I will file a lawsuit.
Product: Bank account or service

As a small business, we signed up for Capital One 's SPARK PAY to accept mobile merchant processing payments. After signing up online, and receiving the dongle for our phones, an agent called us to inform our company that the terms of the agreement had changed, and that Capital One would be holding our proceeds for up to three months on a revolving payment schedule " while we establish a relationship with you. '' For example, {$100.00} in merchant fees would be paid off in {$33.00} increments, ever 30 days. 

Since they were calling to get my assent to this change in terms and conditions for their service ( before we had ever used it ), I asked what would happen if I said no. " We will cancel your account. '' I told them " Go ahead. '' A typical merchant processor pays within a day or two. Capital One was going to pay over three months, and not disclose that important fact until after we signed up. This practice is absuive, and unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, WF CRD SVC ( Bank ) made a fraudulent Hard Inquiry as the same was not initiated by me.
Product: Credit reporting or other personal consumer reports

experian 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 Experian, alleging systemic 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 Experian has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I have a XXXX XXXX  car loan from 2016 on my account, I have completely rebuilt my credit and this is the only negative information on my history. Now since I asked them to remove the report after XXXX years, they not only kept the report on, but the updated it to show In XX/XX/XXXX!!! 
XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act DEPT OF EDUCATION Acct # XXXX, Acct # XXXX, XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

15 USC 1681 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A. States a consumer reporting agency can not furnish a account without my written instruction.
Product: Mortgage

I have been working with TD Bank since early XXXX to facilitate a mortgage modification in conjunction with my bankruptcy filing. On XX/XX/XXXX, TD notified us that the modification was approved and provided the new loan terms, indicating that the new monthly payment of {$1700.00} would begin on XX/XX/XXXX, and the loan term would be extended for a period of XXXX XXXX XXXX XXXX  months. 

Pursuant to this agreement, I have made timely payments in the above referenced amount for all months in an effort to keep the account current. In XXXX, XXXX, we were advised that in order to complete & finalize the modification process, a signature was necessary on a single-page document which was mailed to us. I learned that TD Bank mailed this document to my bankruptcy attorney, rather than directly to me, as they stated. I went to my bankruptcy attorneys office, signed the paper, and it was sent by fax to TD Bank. 

After sometime of not hearing back from TD Bank, I called on XX/XX/XXXX to follow up and confirm the modification was finalized. I was told that the fax transmission of the page we sent was illegible, and was asked to resend the single page document via email. This document was sent to TD Bank via email on XX/XX/XXXX. 
On XX/XX/XXXX I called TD Bank, and they verbally confirmed that the modification agreement was received and is processing. I continued to make monthly payments in accordance with the modification agreement. Between XXXX, XXXX and the date of this complaint, I would periodically reach out to TD Bank to confirm the finalization of the modification. This included both phone calls as well as email correspondence. We were repeatedly told that the modification agreement is processing, with no indication of any issues whatsoever. In XX/XX/XXXX, a representative at TD Bank informed me that due to the single page modification agreement not being received within an arbitrary 30-day window, the modification process has been halted/withdrawn. Despite my efforts, I have been unable to receive any clarity whatsoever on how or why this happened, since I followed TD Banks instructions through all times in this process and have worked extremely hard to keep the account current.
Product: Credit reporting or other personal consumer reports

On XXXX morning my XXXX Credit report alert went off for a supposedly XXXX dollar balance that was supposedly 30 days late. I had already paid this even though my account was paid in full on XX/XX/year>. I dont use this XXXX XXXX very often. But, I paid the XXXX dollars prior to the thirty days bc I dont trust XXXX The manager I spoke to told me that she submitted some type of urgent update to totally remove the negative false information. She said in 24-48 hours it should be clear. As of today it still isnt corrected. I called witch manager at XXXX today and she basically called the other manager a liar and told me to contact the credit bureaus. She was XXXX help and honestly didnt care that this is going to ruin me. I contacted XXXX and things went from bad to worse. The guy was a complete XXXX and told me he couldnt do anything. This is the only negative thing on my credit and it dropped my credit score from over XXXX to XXXX. I XXXX  and Ive got two term loans up for renewal in a week. My personal and business are mixed. This is going to ruin me business wise. I dont know if the bank will even renew them and this is land notes. PLEASE, help me get this removed ASAP! I filed disputes with the credit bureaus but honestly this has been a joke.
Product: Credit card

Dear CFPB, I am writing to formally escalate my unresolved dispute with Bank of America regarding a hotel booking in XXXX XXXX XXXX, made through XXXX 

I booked a hotel in XXXX XXXXXXXX XXXX, and we were forced to cancel our trip due to force majeure circumstances. The State of XXXX XXXX  issued an emergency notice advising against travel to western XXXX XXXX, including XXXX XXXX, following Hurricane XXXX. Local authorities reported significant shortages of essential resources such as water, food, fuel, electricity, and communication services, making travel unsafe and impractical. 

Given these extraordinary conditions, we had no choice but to cancel our plans to travel through XXXX XXXX to XXXX. However, XXXX refused to issue a refund, so I filed a claim with Bank of America. Initially, I was given the wrong fax number to submit my evidence. After waiting for a week with no response, I called Bank of America again and was provided with a new fax number. I then went to a branch where the manager ensured that the claim department received my fax. 

Despite making multiple attempts to resolve this matter with Bank of America, including phone calls to the dispute resolution department on XX/XX/XXXX and XX/XX/XXXX, I was repeatedly transferred between departments with no clear answers. No representative has provided updates on my case, and despite faxing supporting documentation, I have yet to receive any assistance or resolution. 

At this point, I am requesting the CFPBs intervention to review Bank of Americas handling of this dispute, as I believe Bank of America should take action in cases involving exceptional, unavoidable circumstances. 

Please feel free to contact me at XXXX or XXXX should you require any additional information. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

On XX/XX/2020 I submitted a payment of {$900.00} to my mortgage company. They proceeded to use {$410.00} for unpaid escrow fees and then THEY decided to put the remainder of the funds towards my principal balance. That {$480.00} was supposed to be held in my unapplied payment account, and to be used for my XXXX payment. I have been going around and around with Shellpoint trying to get them to correct THEIR mistake. I have already submitted a payment of {$1400.00} and still waiting for them to apply the {$480.00} so my XXXX payment can be recorded on time. As of yet, they have not recorded my payment and my account is pending waiting for me to make another payment of {$480.00}
Product: Bank account or service

chase bank closed my account. there was a deposit made for {$2000.00} and I was told that the money was in when I called them on the XXXX of XXXX. I checked my account again on the XXXX o XXXX and again was told that the money was there so I paid out {$1800.00} and went on line and it showed that the money was taken out and I still had a balance left. That night I called to order checks and was told at that time that they closed my account because that {$2000.00} was put on hold and therefor I was in the hole. It was almost XXXX days after the deposit was made. I then called and made arrangements to make payments to pay them back. My retirement check was sent to them by XXXX and the person at chase that I contacted told me that since I had made arrangements to make payments they would send me the check in the mail. I called them again today and said that they kept the check and would not be sending it back to me. I do n't believe it is right for someone to tell me that and then the bank goes back on their word. They knew I needed the check so I could pay rent and get some groceries. That leaves me with no money and no food. I hope you can get them to keep their word. thank you ... .XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries associated with my credit report. I am a victim of a data breach, and under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the following account to be removed : Fraudulent Accounts : 1. Bankruptcy o Case Number : XXXX o Date Filed : XX/XX/XXXX o Balance : {$0.00} Unauthorized Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I reached out a few months ago as loan care had not paid my homeowners insurance for the year that they had had my loan. upon reaching out to them they told me that there was no money in my escrow account for the insurance and if I wanted them to pay it, I would need to pay about {$1200.00}. I told them that on my closing paperwork it shows that I am paying homeowners insurance each month to go into an escrow account to be paid by them. For weeks different employees would tell me that I was misinformed and there was nothing they could do. Finally, I talked with an employee who saw my closing paperwork, admitted they were wrong and said they would have it fixed right away. They then paid my homeowners insurance from escrow and I never heard back. It is now two months later, my property taxes have not gone up Since the last time loan care increase my payment {$100.00} to account for the property tax increase. Yet, when I went to pay this month, it shows that I am now paying additionally into an escrow account for my homeowners insurance. This is the exact amount they told me I would have to pay when they all said I was not paying in the first place. Through all this, I never received a check for what would have been left over As the gentleman I got my mortgage through in the first place said I should have been if they werent paying my insurance. As he set my paperwork up and knew That the homeowners insurance was in fact set up to go into an escrow account. Loan care doing this shows that they miss allocated my funds in the first place, Did not disperse them back to me, and has now raised my payments again to cover the mistake they made in the first place. This company is practicing in bad faith, seems to be misallocating funds, and is overall robbing their clients. The below documents show how they have continues to increase my payments now 3 times, with only one increase being due to property tax increase.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain to Experian regarding their failure to respond to my dispute letter and address inaccuracies on my credit report. 
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I mailed a dispute letter to Experian explicitly requesting an investigation into several inaccuracies on my credit report. These inaccuracies encompass inaccurate items and incorrect account information. Additionally, I disputed incorrect personal information listed on my credit report, including incorrect addresses and incorrect names. 
Despite my diligent efforts to rectify these inaccuracies by following the appropriate dispute procedure, I have not received any response from Experian regarding the investigation results and Experian has failed to provide any acknowledgment or resolution of my concerns. This lack of communication has left me deeply concerned about the accuracy and integrity of my credit report and the potential impact it may have on my financial standing. 
I did not receive a response back from Experian with the investigation results. 
I believe that Expreians failure to respond to my dispute letter violates my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies, such as Experian, must promptly investigate any disputed information and promptly respond to consumers. 
Given Experians failure to respond and provide the investigation results, I am now demanding that Experian immediately and permanently remove the disputed items from my credit report. These inaccuracies not only undermine the integrity of my credit profile but also have the potential to adversely affect my financial well-being. 
Enclosed with this letter is a copy of the dispute letter I sent to Experian, which serves as evidence of my attempt to rectify the inaccuracies on my credit report. 
According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
I request that the Consumer Financial Protection Bureau intervene in this matter and take appropriate action against Experian for their failure to respond to my dispute letter and address the inaccuracies on my credit report.
Product: Credit card or prepaid card

The Synchrony Bank/PayPal account with the account number XXXX was marked as Charge-off with an identified balance of {$3000.00}. However, a charge-off account should have a {$0.00} balance so, my question is why does this account have a specific amount?
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the silence engelhardt. V Gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. Nor therefore any such debt in fact, therefore exist.. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXXXXXX {$2000.00}, XXXX XXXX XXXXXXXX XXXX {$280.00}, XXXX XXXX XXXX XXXX {$17000.00}, XXXX XXXX XXXX XXXXXXXX {$6500.00}, XXXX XXXX XXXX {$4800.00}
Product: Credit reporting or other personal consumer reports

Apon reviewing my consumer report from Equifax consumer reporting agency I noticed there was a Inquiry from a unknown & uwarranted company... I didn't recognize nor request for the C.R.A to place this inquiry on my consumer report. Equifax was not given permission written or verbally from me to place this derogatory Inquiry on consumer report. This inquiry is not attached to any open account and should be deleted immediately.
Product: Credit reporting 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 XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX  XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX  I Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX