23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act .The List of accounts below has violated my federally protected consumer rights to privancy and confidentiality under 15 U .S.C 1681. 

XXXX XXXX # XXXX XXXX # XXXX 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 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 follloowing 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 reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.
Product: Checking or savings account

Using Huntington Bank, on multiple occasions my money was not available to me. It cost me a job bc I couldn't access money for gas THAT HAD ALREADY BEEN PAID TO ME AND WAS IN MY ACCOUNT. My account balance showed XXXX in my account that had been paid out to me, and yet every time i went to use my Debit Card it was declined. This happened again on XX/XX/XXXX when I transferred money on XX/XX/XXXX from my checking into the Standby Cash account. I had overused the Standby Cash and needed to pay it off fully before having access to it again. In the XX/XX/XXXX transfer, I cleared the Balance. A full day later, the funds have been taken out of my checking account, but not posted to the Standby Cash account, rendering the Standby account unusable. Multiple cases of misuse, or complete negligence of customer 's accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been denied credit based on data from TransUnion. XXXX XXXX XX/XX/22 denial.I have contacted them about inaccurate data in my credit report and tried to correct the issue, This goes back to XXXX since more than 30 days have passed, I need to take further action on them not correcting the problems.
Product: Debt collection

This issue started with fraudulent charges to my XXXX account. I received 4 different invoices starting in XX/XX/XXXX. These invoices were dated XX/XX/XXXX,XX/XX/XXXXXXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I reported the fraud to XXXX. I called on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and on each occasion I was assured by different  people that they had taken care of the issue and closed my account, and I did not owe any money for this fraud, but despite this, I continued to receive bills. 

The invoice dated XX/XX/XXXX I did not receive until XX/XX/XXXX! I received Past Due notices for the XX/XX/XXXX invoice and the XX/XX/XXXX invoice, but no others. 

I was assigned a case person from the fraud department- XXXX XXXX , and given her direct phone and email contact information. Despite multiple phone calls and emails using the contact information I was given, no one ever answered or returned my phone calls or emails. 

In XX/XX/XXXX I had my last conversation with XX/XX/XXXX and was again assured by a supervisor in the XXXX fraud department that the issue was resolved, my account was closed, and I needed to take no further actions. 

I received no further Past Due statements. 

As of today, I received notification that I have been sent to a debt collection agency Transworld Systems INC for the sum of XXXX over the fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in reference to information in my credit file. I recently received a copy of my credit report that XXXX, XXXX or Transunion publishes and after reviewing it I found a number of items on my report that are inaccurate. Im terribly upset after finding out that my report shows a series of erroneous items. I understand that XXXX, XXXXXXXX or Transunion should not be allowed to put an inquiry on my file unless I have authorized it. My credit reports showed credit inquiries that I did not authorize. I also have Extended Fraud Protections/Alerts placed on my credit files with my phone number listed requiring I be notified before my credit is accessed, that did not happen. The only inquiries from companies that should have had access my credit report are the following companies that I have authorized which are : XXXX XXXX, XXXX, XXXX and Mortgage Shopping for my home loan. These multiple inaccurate reporting practices has caused me to be denied after applying for new credit lines & is ruining my financial stability. This is unacceptable & they are obligated by law not only to correct what is erroneously reported, but also to remove what should not be in my credit report. Time is an important matter to me, and each and every one of the items listed below needs to be removed. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Please have the credit inquiries that are listed below removed immediately from my credit file as they are unauthorized and are related to none of the aforementioned permissible : XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXXXXXX XXXX (  XX/XX/XXXX ) *This inquiry is 2 years old. XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX  XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) Please remove all non-account holding inquiries from my credit report immediately as they are unauthorized!. I recently received a copy of my credit report from XXXX, XXXX or Transunion and after reviewing it I found a number of items on my report that are inaccurate and unauthorized. I have a Fraud Protection on my file so those inquires were not authorized by me. I advised XXXX, XXXX or Transunion, to no avail.
Product: Credit card or prepaid card

I have an overpayment of {$1900.00} and I am having difficulty getting them to return my money and within a timely manner They didn't return the fee charged for the warranty but returned the unused product
Product: Vehicle loan or lease

This is not a duplicate complaint- This correspondence serves to address and distinguish from previously filed complaint # XXXX Subject : Clarification and Legal Challenge Regarding Vehicle Repossession Threat by Navy Federal Credit Union To Whom It May Concern, This correspondence serves to address and distinguish from previously filed complaint # XXXX, This is not a duplicate complaint. It is my understanding that Navy Federal Credit Union ( hereafter referred to as " Navy Federal '' ) is considering the repossession of a vehicle that has been legally discharged. This action is a result of Navy Federal 's refusal to acknowledge and process the negotiable instruments I have repeatedly submitted. 

In several instances, I have provided affidavits, duly signed and sealed, to Navy Federal 's principal, outlining the details of the consumer credit transaction in question. To date, these affidavits have neither been acknowledged nor responded to by Navy Federal, thereby placing them in a position of default. I have requested, without success, that Navy Federal furnish documentation substantiating their legal claim to United States Dollars as a part of this transaction. 

This matter bears resemblance to the case law established in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, where it was recognized that the banking practices involved in creating money or credit on the institution 's books are standard. Despite this precedent, Navy Federal has failed to provide any lawful justification under United States statutes for their actions.

Moreover, Navy Federal 's communication regarding my account states that the information provided is for compliance and/or informational purposes only, and not an attempt at debt collection. This conflicts with the threatening nature of the communications concerning vehicle repossession, which is causing undue emotional stress and XXXX. 

It is important to note that the vehicle in question is part of a Trust recorded in XXXX XXXX, FL, holding the first lien, and is thus protected against repossession. Despite requests, Navy Federal has not provided necessary information for initiating arbitration in this matter. Additionally, Navy Federal 's actions app
ear to be in violation of Title 15 USC 1692, which prohibits abusive, deceptive, and unfair debt collection practices, and Title 15 USC 1692f, which prohibits the use of unfair or unconscionable means in debt collection. Specifically, Navy Federal 's engagement with a third-party for repossession efforts may infringe upon 15 USC 1692f ( 6 ), which restricts nonjudicial actions to dispossess or disable property without a present and enforceable security interest.

I am seeking immediate clarification and remediation regarding these matters and anticipate a prompt and lawful resolution. I am also seeking the title to my vehicle free and clear.
Product: Mortgage

REQUEST IMMEDIATE URGENT HELP FROM GOVERNMENT REGULATOR [NOT] FINANCIAL INSTITUTION.

1) I HAVE NOT RECEIVED AN ACTUAL MONTHLY BANKING STATEMENT IN YEARS.  2) ONLINE ACCESS IS BLOCKED.
 3) ALTHOUGH I NEVER GAVE THE BANK AUTHORIZATION TO CHANGE MY MAILING ADDRESS.  THEY CHANGED IT TO A PO BOX AND REFUSE TO CHANGE IT BACK TO MY PROPERTY ADDRESS.  
4)  FROM MY PREVIOUS COMPLAINTS; I HAVE A LOAN PROBLEM.  I HAVE EXPLAINED NUMEROUS TIMES AND NO ACTION IS TAKEN TO ASSIST ME.  IN FACT, THE OPPOSITE. THREATS HAVE INCREASED AND THE LENDER PURPOSELY DESIGNED A LOAN MODIFICATION FULL OF THREATS, LOOPHOLES, QUADRUPLE FROM ORIGINAL LOAN PAYMENTS; AND T/L AND DECEPTIVE TRADE ACT VIOLATIONS.  


HERE I AM ONCE AGAIN IN THE 11TH HOUR....PLEADING WITH CFPB TO TAKE THE SLIGHTEST INITIATIVE BEFORE XXXX XXXX XXXX.  THE GOV HAS HAD MONTHS OR OVER A YEAR TO ASSIST WITH THIS SERIOUS MATTER.  THERE SHOULD ALREADY BE A PAPER TRAIL OF COMPLAINTS REGARDING THIS PROBLEM FROM XXXX XXXX.  

PLEASE CONTACT ME DIRECTLY.  THANK YOU.
Product: Credit reporting or other personal consumer reports

I am not associated with the creditors mentioned, and these inquiries do not pertain to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint against XXXX  on XX/XX/2021 because incorrect and outdated negative information was being reported by XXXX  even after I provided supporting documentation. A supervisor even admitted that they had received updates from the lender to delete the information but refused to do so because of a unrelated pending dispute. 

Part of the original complaint was that XXXX was factoring a paid collections account into my XXXX XXXX in direct conflict to information regarding the scoring model on their website and listed on various other consumer sites. 

Today after positive information was added regarding my newly transferred active student loans which were previously in default my score dropped 30 points. There was no negative information included in any way shape or form and should have increased my score since o have no delinquencies or collections on my account. As far as research I was able to study the XXXX XXXX is calculated as such : Payment history- 35 % Credit utilization : 30 % Credit age : 15 % Credit mix : 10 % New credit or inquiries : 10 %. 

Today I received an email from XXXX  regarding how my score is calculated, which I do not believe is a coincidence since it should have improved not gotten worse. Ive attached screenshots from that email. After searching the web for hours I could not find any published information regarding this version of XXXX XXXX It goes as follows ; Payment history : 40 % Age and type of credit : 21 % % of credit limit used : 11 % Recent credit : 5 % Available credit : 3 % I believe this change to how my credit report is being scored is a direct retaliation for submitting a complaint to CFPB. I have searched credit forums, message boards, knowledge base articles and can find no reports of a similar scoring system being represented as XXXX XXXX. There needs to be an investigation and consequences for what I see as a blatant attempt to sabotage my financial stability and punish me directly for submitting a CFPB complaint.
Product: Mortgage

I paid my mortgage XX/XX/XXXX. I didn't realize it but at the time they increased my payment due to escrow. I made my XXXX payment XX/XX/XXXX. They applied this to principal instead of my mortgage payment. I made my XXXX payment XX/XX/XXXX. I got a letter from my mortgage company ( Freedom Mortgage ) saying I was delinquent. I called to resolve this, and discovered the back payment that was due, which I paid XX/XX/XXXX. The agent assured me that I was no longer delinquent and that my penalty fees had been waived and that the amount paid to principal had been applied to my mortgage payment. I called again about a week later, and discovered that they had not waived the fees nor had they applied my payment. I was informed by this agent that it would be done in two days time. I called again today and the same issue. My credit score has also been docked by XXXX points.
Product: Credit card

Had taken {$1100.00} Cash Advance from PNC credit card on XX/XX/XXXX and am wanting to refund it in full today on XX/XX/XXXX.However, have been told to pay full amount outstanding as of today i.e {$2100.00}, though my next Statement balance is due XX/XX/XXXX for only {$560.00} and the other balance amount will be due only XX/XX/XXXX. Blatant malpractice, not allowing consumer to pay in full the cash advance portion only merely 10 days after it being taken. Why can not PNC apply my payment towards the cash advance and want me to pay full balance of over $ 2k two months in advance to apply {$1100.00} of Cash Advance loan? Its malpractice and a fraud! Please do help!
Product: Credit card

I did a balance transfer with Discover card with 4.99 % interest that was for 18 months. After about 12 months I paid off about {$3000.00} of my balance they sent me an offer for 0 % balance transfer with a fee, which I used. Now they are taking my monthly minimum payment and applying it to the 0 % balance instead of the 4.99 % one. I called and spoke to a supervisor. He was condescending. He said that Discover Card 's policy is the minimum payment pays down the portion of the balance that has the lowest interest rate first. If I want to pay more than the minimum payment it goes to the higher interest rate. He said this was in line with FDIC regulation. This seems like a scam to the consumer. The policy should be that the minimum payment pays off the higher interest rate balance first! The government should fix this! 

I have been sooooo loyal to Discover Card. It was the first credit card I had. I have had my Discover card for almost 40 years! I cancelled my card. I am done with Discover Card. This company is running scams. 
I XXXX DISCOVER CARD!!! 
Don't use them!!!
Product: Credit card or prepaid card

I have requested verification of a negative item on my credit report. If I understand the Fair Credit Reporting Act correctly, you are required to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. But they responded XX/XX/2022 asking for more information about my dispute. 

I understand that The Fair Credit Billing Act requires creditors to bill correctly, that each statement be sent to the correct address, that you not ignore change of address requests, and that you facilitate disputed charges in a manner prescribed by law. The Act also stipulates that you provide lawfully requested information concerning my account upon request and in a timely manner. For that reason, I request that you please forward a notarized statement on your letterhead which will attest to your compliance to the FCBA generally and to my account specifically throughout the period I have been a customer. If any of that information is inaccurate or can not be verified, then the entire item is unverifiable.
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Subject : Request for Compliance with 15 U.S.C. 6802 Regarding Disclosure of Nonpublic Personal Information Dear XXXX XXXX XXXX, I am writing to address a concern regarding the handling of my nonpublic personal information ( NPI ) under 15 U.S.C. 6802 of the Gramm-Leach-Bliley Act ( GLBA ). 

As a customer of XXXX XXXX XXXX, I understand that you are required to provide clear disclosures regarding your policies and practices for sharing XXXX. Additionally, you must offer me the opportunity to opt out of certain types of information sharing with nonaffiliated third parties. 

My concerns are as follows : 1. I have not received any of your privacy notice and disclosures.

2. I have received no information on this matter only a bill saying I owe {$460.00}.

To resolve this matter, I kindly request the following : 1. Confirmation of whether my nonpublic personal information has been disclosed to third parties.

2. A copy of your current privacy policy, as required under 15 U.S.C. 6802.

3. Immediate cessation of any information sharing that is not explicitly authorized by me.

4. Instructions on how I can exercise my opt-out rights regarding the sharing of my XXXX. 

I take the privacy of my personal information seriously and expect your institution to comply fully with federal regulations. Please respond to this request in writing within 30 days. If I do not receive a satisfactory response, I may consider filing a formal complaint with the Federal Trade Commission ( FTC ) or other appropriate regulatory authorities.

Thank you for your prompt attention to this matter. Should you require additional information, you may contact me at XXXX or XXXX XXXX
Product: Money transfer, virtual currency, or money service

I bought a digital Google play gift card from a third party website which I have done several times with no issues. This time I went to Google play and attempted to redeem it and received an error and was directed to give all my personal information to the Google team. I have sent them everything I know of and they respond saying that due to inconsistencies the can't help me with redeeming it. This process has been repeated dozens of times and they now have too much of my personal information for me to feel comfortable while they keep my payments account locked. Now it has been over 6 months since I had access to my Google accounts. I recently requested to drop the case about the redemption of that digital card in question and just unlock my account. They keep directing me to fill out the same form that always fails only giving them more of my personal information. I lose out on the {$50.00} play credit either way so I just want access to my account. I have reached out to all Google customer service departments several times and they are not able to help me. Please use your authority to convince them to unlock my account. Thank you.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, the list of the accounts below, has violated my federal, protect the consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX 15 USC 1681 section 602 a states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states, a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting containing any other following items of information any other adverse item of information, other than the records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 responsible cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I checked into the campfire hotel in XXXX Oregon. I was charged {$490.00} which included two nights stay as well as {$100.00} deposit for incidentals. 

On XX/XX/XXXX, unbeknownst to me at the time, a charge appeared on my card from XXXX XXXX  for {$900.00}. 

On XX/XX/XXXX, I checked out of the hotel at approximately XXXX XXXX Upon returning home, I checked my account only to find out that the {$490.00} charge was not on the transaction history of my account but instead the {$900.00} charge as well as an additional charge for {$120.00} and one for {$410.00} both charged on the XXXX of XXXX. The {$410.00} was eventually taken off and refunded. 

While in the room there were three snack items that the {$100.00} deposit I initially left with them should have covered and I accidentally took a towel. Once finding out about the excessive charges of {$900.00}, {$120.00} and the {$410.00} charge I contacted the hotel which initially refused to give me a receipt for my stay. They told me that the sheets were dirty and there were cigarette butts on the floor. I left that room exceptionally clean and I'm extremely offended by their fabricated claims. They refuse to refund me the money they erroneously took out of my account while I was staying there. If they're so sure I caused damage to the room then why did they charge me before I even checked out? I am XXXX XXXX and XXXX  XXXX which was obvious during check-in and I am on a limited income through SSA every month. They have severely cause me damage to my ability to take care of myself for the remainder of the month.
Product: Checking or savings account

On Friday XX/XX/XXXXXXXX  a representative from Wells Fargo contacted me regarding authorized activity on my debit card. Wells Fargo sent a text about it and then called me. I spoke with the rep and they said they would deny the transaction and close out my card. A replacement will be mailed and I should receive it on Tuesday XX/XX/XXXX. By Thursday XX/XX/XXXXXXXX  the card had still not arrived. I reached out to Wells Fargo regarding the timeline of when I should be receiving the new card. I had no way to access my funds outside of doing a bank withdraw for cash. The rep ( a different one ) I spoke with informed me that the HAD NOT been cancelled and that the individual that called and spoke with me WAS NOT a Wells Fargo agent. I cancelled my debit card with the correct agent and I am currently awaiting a new debit card from Wells Fargo. What concerns me is that lack of concern or attempt of an investigation by Wells Fargo. They did not ask any questions regarding the incident with the person pretending to be a Wells Fargo agent/bank. I've been a customer of Wells Fargo for over 15 years and annually have my account/debit compromised. My account had been compromised three weeks prior to the incident on XX/XX/XXXX. I'm bringing this to your attention, that there is a scam with individuals pretending to be Wells Fargo agents and reaching out to their customers. Wells Fargo themselves did not seem concerned with it and did nothing outside of cancelling my card to investigate the matter. As of now, I'm closing all accounts with Wells Fargo and no longer doing business with them. The constant inconvenience of not being able to access my funds as well as having my personal information misused has led to this.