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

In XX/XX/XXXX, I mortgaged a building loan through XXXX XXXX and paid off Citizens Bank in full. In XX/XX/XXXX I canceled any and all accounts with Citizens Bank. In XXXX I began receiving bills for fee 's from Citizens. I return their letters stating that I did not have any accounts with their bank. in XX/XX/XXXX, the reason for the statements was clarified with XXXX Bank. They had used a very old payment option and citizens was the bank that was listed. All settled immediately with XXXX and I phoned Citizens asking them why there were charges when there was no account. in XX/XX/XXXX, I asked XXXX to help me deal with Citizens who were beyond awful into abuse, harassment and simply impossible to deal with. XXXX did and the issue was resolved with letter supposedly stating so. A few weeks ago, new charges and new people and the issue was not resolved apparently ; although no one can tell me what who or why. I faxed faxed the letter to the Office of the Chairman and then received another letter stating that the fax did n't arrive in a timely manner ( I did explain that I was XXXX miles from a fax machine and was on way to XXXX New Hampshire for meetings and was now late having taken the call from the bank. The XXXX of this is horrible enough to loosesleep and make me stomach sick. the time and energy has been enormous. I truly want to file a complaint and if possible press charges for abuse and harassment.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I submitted a written request to XXXX XXXX, which they acknowledged having received. In my letter, I requested verification to ensure that the debt they reported was complete and accurate. Later that month, XXXX XXXX confirmed the debt 's accuracy. They also updated the comment section of my consumer report to read, " Consumer disputes after resolution. Charged off account. '' So from XXXX forward the charge off amount, late payments, and date of first delinquency should have never changed seeing as this is a CLOSED/ CHARGED OFF ACCOUNT that was supposedly verified. 

However, in XXXX XXXX after being denied credit by another lender, I reviewed my consumer report and identified discrepancies, incompleteness, and inaccuracies in the information reported by XXXX XXXX. This is concerning, especially since XXXX XXXX had previously assured me of the accuracy and completeness of this information in XXXX. 

Following my discovery, I lodged a complaint with the CFPB. In response, XXXX XXXX updated the information on my consumer report. However, this was not my request. Given the prolonged negligence on their part and the resulting implications over the past three years, I had asked for the deletion of this account from my consumer report. 

My consumer rights have been violated. As per 15 U.S.C. 1681i, if the information isn't accurately reported upon a consumer 's request, it is mandated to be deleted. By this provision, the account should have been removed in XXXX after the 30 days of it not being properly updated. 

In light of the above, I urge that this account be deleted from my consumer report without delay. I appreciate your immediate attention to this matter. 

Lastly, in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, has violated my rights. 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 an account without my written instructions. 

Thank you.
Product: Money transfer, virtual currency, or money service

I open a new bank account with Bank of America, on XX/XX/2019, at that point in time I deposited my check from my employer that is issued by XXXX. The funds were on hold for 7 days, it caused a lot of moneraty issues. I am currently undergoing a separation and I have no other income than my job. I had no money for a week. On XX/XX/19 the funds were released. I had to borrow money from my parents and sister to survive that week. I still owe them money. I got paid again on XX/XX/19, I proceed to deposit my check and went about my life. Then I realize that Bank of America put another hold on my account for 6 days, my funds wont be available until XX/XX/19 meanwhile I do not have money for Diapers for my baby, money for food, I have bills that are urgently past due. I called BOA to get them to release the funds and they told me to avoid this problem in the future to cash the check, but that they could do nothing. I spoke to two other people a manager and supervisor and they told me that they could not nothing. The supervisor stated that I should have just cashed the check as well that the hold was not going to be taken off, and said that I could ask for funds and overdraft the account, I told them that if I did this BOA was just going to charge me fees to this the supervisor just said that they would but that I could get money this way. I was then transferred to a manager who stated that they could do nothing and that I just borrow money from family and that they could do nothing. I told her that if I went and cashed the check and got my money how long would it take BOA to get their money then? She could not respond to this question. All she said was that my check would have not been cashed and that I was just going to have to wait. I am writing this because I literally have no money, for a week with XXXX young kids that depend on me and I have no funds. I think its unfair that BOA is holding my check issued from XXXX who is the payroll company for the small law firm I work for. A check that was issued last time as well from XXXX  the first time I deposited. I cant borrow money from family because I owe them so much money already. Then you have people that work for the bank pretty much giving you contradicting information saying to cash a check then saying I would have never been given any money. Please look into these practices. I might be a small fish, but if they are doing this to me how many more customers are, they not XXXX  over
Product: Credit reporting or other personal consumer reports

I just obtained and reviewed the copy of my credit reports. It seems that the Bureaus are reporting Inaccurate information resulting to lower my credit scores. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2021 Reference # : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s )  below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX. XXXX  2000 XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX
Product: Prepaid card

On XXXX XXXX, 2016 Netspend has charged me XXXX {$15.00} fees on my account. I was only supposed to be charged a XXXX or XXXX {$15.00} fees not XXXX overdraft fees. Because I disputed and filed a complaint of these transactions they retaliated and turned off my use of using the Netspend overdraft protection program. I did n't asked to be removed from or suspended temporarily from the program. Your company needs to investigate Netspend Overdraft program because they 're taking consumers money. They tried to purposely over charged me for these fees. I am agreeing with the XXXX {$15.00} fee. 

I am going to post a small description from there website. what they say about there Overdraft Program, if a consumer decides to use it. 

You are currently opted-in to the optional Overdraft Protection service. Please note, you may only use this service if you are receiving recurring direct deposits to your Card account and your status is " Active '', meaning you have met the other eligibility requirements for the service. Please check below for your current status. 

Minimum Direct Deposit Required is {$200.00} or more every 30 ( thirty ) days. 
The following is the current program in which you are enrolled : Grace Period Time : 24 ( hours ) Overdraft Fee : {$15.00}, up to a maximum of XXXX per calendar month. 

I want my Overdraft Protection Reactivated asap. Netspend being very petty. I 've been a long time customer with Netspend. My Federal Government payroll and my husband XXXX payroll being going into our netspend account for a very long time.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed XXXX XXXX XXXX Account number : XXXX - XXXX XXXX XXXX  Account number : XXXX - XXXX XXXX XXXX  Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights 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 an account without my written instructions.
Product: Credit card or prepaid card

Hello, I would like to request that the CFPB contacts Bank of America regarding their electronic notifications ( emails ) when credit card payments are due. 

The issue is that the subject line for when a credit card payment is due reads, " Your Statement is Available in Mobile and Online Banking. '' This subject line does not make it clear that an actual monthly payment is due. 
To Bank of America 's defense, the body of the email does go into detail about the minimum payment due and the due date, but here 's the problem with that : Bank of America sends an extreme amount of marketing emails to their consumers that we are subconsciously conditioned to delete several emails bombarding our email inbox. We sometimes receive multiple Bank of America marketing emails per day! 

Being realistic to our modern world of digital marketing, etc. it is very easy and reasonable for a person to delete emails without viewing the body of the email. 

I am requesting that Bank of America standardize their credit card monthly payment emails to have a subject line that states something like, " Your Bank of America monthly payment is due. '' And then we could easily identify that email as an important email and not mindlessly delete it. 

Because of this issue, I have been imposed with 3 ( or maybe more ) payment late fees! 
I am a responsible consumer and I'm never late on with any other bill in my life.. .only Bank of America due to this issue. 
In just the last 3 months, I've paid {$78.00} in late fees due to Bank of America 's unclear payment notifications. 
I contacted Bank of America to request to waive the fees, and they did not comply. 

The problem is that Bank of America will continue to profit off late fees from many consumers and myself simply because their monthly payment notifications have vague " blending in '' email subject lines. 

Thank you for your assistance.
Product: Student loan

When speaking with the employees of Navient, I am never given a specific name of the person that I speak with, so I am unable to convey that. I have called Navient multiple times to inform them about the fact that I am unable to make payments, as they are too high. I have received different information from all employees that I have spoken with, I have asked for them to help me, and I have been told that my cosigners need to submit a financial statement. I was told the last time that I spoke with Navient that one of my cosigners did not need to submi t one. Th en I was told the next time that I spoke with them that it was required. I am being told false, inconsistent information, and I need assistance with lowering my payments. Navient is also calling me multiple times a day while I am working, requiring payment when I have communicated that I need assistance from them.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I identified several errors. Under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) of the FCRA, the credit bureaus are required to verify the accuracy of this account. Reporting unverified information without proper validation within the legal timeframe is not permissible. I request that you investigate and correct the account listed on my credit report : XXXX XXXX XXXX : {$350000.00}
Product: Credit reporting or other personal consumer reports

I checked my credit report and noticed I had unauthorized fraudulent inquiries from Equifax on my report that had been removed but were reinserted on my credit. I did not consent to, authorize nor benefit from the following inquiries. I have attached my dispute letter and FTC report that I mailed out today as well. Please remove them immediately. 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 XXXXXX/XX/XXXX
Product: Vehicle loan or lease

THIS COMPLAINT IS IN RESPOND TO THE COMPANY 'S LETTER THAT WAS SENT WITH NO DATE NO. AN ORIGINAL DISPUTE WAS FILED REQUESTING A REFUN FOR THE WARRANTY THAT WAS SOLD BY CAR MAX, NOT THE VEHICLE BUT THE WARRANTY. CARMAX SENT A RESPONSE STATING I REQUESTED A REFUND FOR THE CAR, LIES. WHOEVER RESPONDED TO THE COMPLAINT OBVIOUSLY NEEDS LESSONS ON COMPREHENSION. WHEN I WAS SOLD THIS CAR, I WAS THE EXTENDED WARRANTY WOULD COVER EVERYTHING, AND I WOULD NEVER WORRY ABOUT OUT OF POCKET COSTS FOR MORE THAN XXXX DOLLRS OR SO, WHY? BECAUSE CARMAX 'S WARRANTY WOULD COVER IT. I WAS TOLD THIS WARRANTY WAS THROUGH CARMAX NOT A 3RD PARTY, TILL THIS DAY I DON'T KNOW WHAT THIS SO CALLED WARRANTY COVERS, I HAVE ASKED FOR INFORMATION VIA PHONE AND WHEN I RECENTLY WENT TO MAKE A PAYMENT AND IT STILL WAS NOT PROVIDED TO ME. I AM PAYING FOR SOMETHING I AM GAINING NO BENEFIT FROM, EVERY TIME THERE IS AN ISSUE, I AM TOLD THE WARRANTY THOSE NOT COVER IT, BUT FACT IS DURING THE PURCHASING PROCESS I WAS TOLD OTHERWISE. I WANT A REFUND OF THE WARRANTY BECAUSE I WAS LIED TO PURCHASE IT BUT NOW I AM BEING GIVEN THE RUN AROUND. IF YOUR SALES PERSON GOT THE INFORMATION WRONG, THAT I SON YOUR COMPANY NOT ME, I KNOW WHAT I WAS TOLD, THAT IS WHY I BOUGHT IT IN THE FIRST PLACE. THIS COMPANY NEEDS TO BE LOOKED INTO, THIS IS UNACCEPTABLE ON MANY LEVELS.
Product: Student loan

On XX/XX/XXXX I spoke to XXXX ext. XXXX from Discover student loans. He advised me, that given my situation, if I enrolled into course on a part-time basis in the Fall ( XXXX ), then my past due payment would automatically would become current. He advised that once I sent in the deferment form along with a school registration receipt, then Discover would process my account as current with no negative credit reporting. I faxed the forms he needed two business days later, Tuesday. I then spoke to Discover that following Saturday and was told by a supervisor by the name of XXXX in XXXX XXXX XXXX, Utah, that XXXX was completely wrong and that my account was going to be reported 60 days past due, even if I was enrolled in courses for the Fall. She said she has also reviewed the call that I had with XXXX and that XXXX never said my account would become current. She also said that there was no policy on Discover placing my account current due to being enrolled in classes. Not only did this representative lie to me but she only made the effort to collect the past due payment without regard to my enrollment status. She completely lied about the details she " heard '' in the conversation I had with XXXX and she made this clear that she said I was lieing. I ask that the CFPB review all of these calls and not only have Discover fix late credit reporting but also send me their policy on deferments.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


1. XXXX  XXXX - XXXX 2. XXXX  XXXX - XXXX 3. XXXX XXXX - XXXX 4. XXXX XXXX - XXXX 5. XXXX XXXX - XXXX 6. XXXX XXXX - XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX CA, XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/year> My only employer is : XXXXXXXX XXXX XXXXXXXX I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Lamborghini financial services XX/XX/XXXX {$88000.00} charge off! 

XXXX XXXX XXXX {$39000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX balance
Product: Mortgage

On XX/XX/XXXX My father XXXX XXXX XXXX and I spoke to the Chase Bank Mortgage Department about the requirements to remove the PMI from his conventional Chase Mortgage. The account # XXXX We were told that I could pay for the appraisal by calling into or sending a check via mail with the documents the agent requested to be mailed to my fathers home at XXXX XXXX XXXX XXXX, XXXX UT XXXX. 

We were never told the paperwork would expire, nor were we told that the Chase Bank PMI Policy violates the Homeowner 's Protection Act for Borrowers with Private Mortgage Insurance for Loan closed on or after XX/XX/XXXX. 

The Homeowner 's Protection act states that the value in which the PMI will be removed is 80 % yet in Chase Banks forms it states in order to remove PMI the appraisal has to come in at 75 % LTV in  order to have the PMI Removed even with an appraisal paid by the borrower to Chase Bank.
Product: Credit reporting or other personal consumer reports

I'm writing to file a complaint against Equifax for failing to comply with the Fair Credit Reporting Act ( FCRA ) requirements, which is 15 USC 1681e ( b ), 1681s-2,1681i ( 5 ), and 1681 c ( c ). Despite multiple written disputes i have sent in via Certified Mail, regarding inaccuracies on my credit report Equifax has refuse to conduct proper investigations or correct the errors as mandated by law. 

On XX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX is sent Equifax dispute letters regarding XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I made sure each time I provided detailed evidence showing I Address and Information so just by doing a little verification Equifax would be easily able to see that those accounts aren't mine. In my last letter i ask Equifax to either respond back to me with specifics details in how they went about their verification, including dates and time information was verified and persons talked to. I also ask them to compare addresses and delete if accounts aren't 100 % accurate, Equifax never did any of the verification, they simply just kept those account on my file without verifying. This failure has severe harm to my credit score, impacting my ability to secure credit and purchase a home for me and my family. 

The recent CFPB enforcement action demonstrates a pattern of severe non-compliance by Equifax. My personal experiences run parallel with the practices highlighted in this lawsuit. 

*15 USC 1681e ( b ) : Failure to ensure the Accuracy of consumer reports.

*15 USC 1681s-2 : Neglect of Duty to prevent incorrect inaccuracies.

*15 USC 1681i ( 5 ) : Failure to delete inaccurate unverifiable information.

*15 USC 1681c ( c ) : Continue of outdated information.

I Request for immediate corrective action. 
1. Full and proper reinvestigation of disputed items 2. Deletion of inaccurate of unverifiable information 3. Full Documentation of the investigation and resolution.
Product: Checking or savings account

date : XXXX  {$1500.00}, company has not let me withdrawl. i was charge for XXXX in my bank account from gemini app even though i mistake put money in the app and trying to cancel multipple times.