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

Dear Representative, I checked my balance at XXXX XXXX  on Monday, XX/XX/2020 and realized I overdrew my account. I had 3 charges which came through ; {$17.00}, {$20.00}, and {$99.00}. My account was overdrawn for {$98.00}. I arrived at XXXX XXXX XXXX XXXX, XXXX, CT bank at XXXX XXXX  to give the teller {$100.00}. The teller stated the branch was closed however, the sign indicated they close at XXXX XXXX. I had to go home get my debit card and return to deposit the {$100.00} through the ATM machine. I deposited {$100.00} around XXXX XXXX. The next day I was charged for two overdraft fees. I called ( XXXX ) XXXX around XXXX XXXX explaining the situation and was told by XXXX he could not issue me a credit due to I had received a courtesy credit like two weeks ago. I received credit for an overdraft because the cable co. charge me twice in error, and before that, XXXX charged me pre-maturely and credited the charge back. 

I am reaching out to you because I am receiving unemployment and trying to pay my bills. I feel the bank is exploiting me and any possible opportunity to charge an overdraft. Please advise. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to formally dispute several accounts listed on my credit report that are currently in collection status. Upon reviewing my credit report, I have identified multiple inaccuracies and incomplete information regarding the following accounts : XXXX  XXXX Credit Card Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Credit Card Account Number : XXXX XXXX XXXX  Credit Card Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX The reason for disputing these accounts is that the information being reported violates the Fair Credit Reporting Act ( FCRA ). Specifically, the reported information is incomplete and inaccurate, which adversely affects my creditworthiness and financial standing. 

15 U.S.C 1681 Section 602 A. State I have rights 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.

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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate.

As a result, I am requesting the immediate removal of these accounts from my credit report.

In light of the inaccuracies and incompleteness of the reported information, I expect Experian to conduct a thorough investigation into these disputed accounts and take appropriate action to rectify the errors promptly. I request that you provide me with a written explanation of the findings and confirm the removal of the disputed accounts from my credit report.

I am prepared to exercise my rights under the FCRA and escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and the Attorney General 's office if necessary.

Thank you for your attention to this matter. I look forward to a prompt resolution and the restoration of accurate information on my credit report. 

sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I was involved in accident, causing complete and total loss of my XXXX  XXXX XXXX In XXXX, IL. I had full coverage insurance + GAP Insurance. My gap coverage completed its payment BEFORE my next payment was due to XXXX XXXX Co. 

Gap Claim Docs Contract # XXXXXXXX XXXX XXXX paid Gross Amount : {$15000.00} Claim # : XXXX percent XX/XX/year> {$19000.00} original financed amount I have filed, on at least XXXX occasions, credit disputes because they reported me late in my last XXXX  days of paying them in full, that I was {$1.00} short. I have tried to get another car through a carlot and they have denied me for a loan again including other financers. Why report me late for {$1.00}. This is beyond egregious and has caused me great hardship. I just had a baby, make more money now than I have in the past, and cant purchase a vehicle from a reputable lot and this is XXXX of the main reasons why. I have also been working on my credit and want the late payment removed.
Product: Mortgage

I was in lost mitigation and was making payments of XXXX the new company has taken over and the information they have is incorrect I have copies of the lost mitigation terms and I have been unable to reach anyone this company has so many complaints with XXXX they need to be shut down.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX continued to state they verified a bankruptcy that I know to be inaccurate and they have not provided any evidence that they did an investigation since this could not be resolved I have initiated arbitration proceedings and this is notice each consumer agency needs to pay the arbitration fees so we may litigate this matter.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX, Social Security Number : XXXX, Date of XXXX, This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX, Equifax, and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened at Capital XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX Bank on XX/XX/XXXX under the account number ( XXXX ), XXXX Card on XX/XX/XXXX under the account number ( XXXX ), XXXX on XX/XX/XXXX under the account number ( XXXX ), and an auto loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts or hard inquiries as reported. The aforementioned accounts and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are allowing hard inquiries and hard hits affect my credit score whereas it was at a fair credit score and now at its lowest ever. Before the end of XXXX XXXX XX/XX/2023, my credit score was at XXXX  with XXXX, XXXX and slightly low in TransUnion like XXXX. Hard inquiries from unknown sources started to hit and attack my credit score and now it's as low as XXXX. I cancelled my credit repair online subscriptions because the money that I was shelling out didn't make any difference. I went through the process of contacting by writing a letter and disputing accounts that were saying inaccurate information. After spending over {$50.00} in both credit monitoring and credit repair companies online that guarantees that results will be reflected after thirty days, now my credit score is as low as it have ever been. I see dealerships that I don't recognize and other companies that have used my social security to affect my credit score and drop it down more than 55 pts. I even took an unsecured credit card to boost it but while seeking solutions to help increase it is decreasing what little effort that I am trying to do. So what's the use of acting in good faith and follow the steps of improving ones ' credit score but these type of unexplained actions are occurring impacting your credit by more than 50 points over night. How is that done?
Product: Credit card

On XX/XX/XXXX someone hacked into my account and charged almost {$1000.00} worth of merchandise. They were able to change my address, phone number and email. Kohls company finally caught on when this person tried to up my credit. That day when Kohls called me to verify if it was not me, I opened a fraud claim. The company informed me it would take 60 days for the claim to get handled. Every week I call to see if the claim has been resolved, every week the fraud department informs me how they made a mistake and now they have to open a new claim and the time has been extended. First mistake was they dismissed the claim because they were able to cancel some of the charges. The second mistake was they did not include all the charges. I have even sent an email to the fraud department with my police report. Now it has been over two months and my credit has been impacted by their negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX USA Account number XXXX The following account is reporting incorrectly on my consumers profile, According to XXXX XXXX and The FCPA you are suppose to report information, Timely, Accurately & Verifiable. This has cause detriment to my reputation and because of the confusion you have caused I'm asking for you to delet these late payments on my profile for the simple fact its not consistent, Its not true, it's damaging my life, this is incorrect and you guys have it wrong and according to the rules you must delete. This should be the same accross all consumer agencies, but it is not.
Product: Checking or savings account

In XXXX, XXXX switched from XXXX XXXX XXXX XXXX Money Network, XXXX advised us that we should receive our new card from Money Network by XX/XX/XXXX. I never received it so I called Money Network to make sure that its still on the way and they tell me that the card has been activated and Even provided the phone number and email address used to register the card which were not mine and also that {$500.00} has been spent, I had also just gotten another payment so there was money left on the account so they transferred the remaining funds to a new checking account and closed my first account and told me I would receive my new card within XXXX weeks. It is now around XX/XX/XXXX and I still have not received my new card containing the funds from the old one as well as new funds from XXXX so I called Money Network again and once again they tell me that someone else has registered my card and spent money, this time {$700.00} at XXXX XXXX ATM as well as a {$1.00} banking fee so they close my XXXX account and open a third and tell me once again I will receive my card in XXXX weeks. I asked if the funds will be transferred to my new account and they say theyre not able to do this, and that checks have to be mailed to me, which was very confusing because they transferred funds from the first to the second but now theyre telling me they cant from the second to the third. I received a check for about $ 500 months ago from the first account and was still waiting for my claim to be approved for the remaining {$700.00} that I still was missing. I get a letter in the mail that my claim had been denied because there was use of pin, even though I already expressed that I never had the card and that It was not me that registered it so of course they used the pin they set up. I called them and they told me that I need to send an email explaining that I didnt have the card nor set the pin. I do but never receive a response. So a week later, I call back and Im informed that they havent responded because theres a specific form that I have to send even though no one told me that when I just called a week ago she helps me create the form and I finally sent the correct appeal form XX/XX/XXXX. I called to confirm this in a couple days and they told me that yes my appeal has officially started and would be closed in 45-90 calendar days. I called to get an update multiple times since I submitted the appeal form XX/XX/XXXX and the last substantial update I got Was about a month ago when I was informed that they are just waiting on the ATM footage to confirm it was not me. Since then when Ive called Ive been told to just keep waiting until XX/XX/XXXX, that it will definitely be resolved by then and theres no notes at this time. XX/XX/XXXX I called again and was once again told to just keep waiting and that theres no notes But I was told this time that it should definitely be finished by Thursday, XX/XX/XXXX and to call back then. On XX/XX/XXXX, I was once again told that theres no notes and to call back next week. I asked why its taking longer than the XXXX calendar days that I was guaranteed and she didnt have a direct answer.
Product: Checking or savings account

Im writing to file a complaint against Navy Federal Credit Union. Ive had multiple overdrafts fee that accrued while having this account. Despite having sufficient funds when transaction was authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB finding against Navy Federal for similar practices, where transactions settle with insufficient balances despite initially available funds. This practice is unfair and I believe it needs to be investigated. My transaction history needs to be looked at.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion Intermediate Holdings, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. Transunion, XXXX, and XXXX are also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing these alleged public records/XXXX  XXXX Bankruptcy and accounts. 
My transunion credit report is still reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX all of which are fradudlent. 
My XXXX  credit report is still reporting 5 XXXXXXXX XXXX  XXXX XXXX accounts, XXXX XXXX XXXX XXXX. Last, my XXXX credit report is still reporting XXXX XXXX XXXX XXXX XXXX accounts. Please see attached FTC Identity Theft Report. 
This has caused me tremendous XXXX, stress, and financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am subtmitting this complaint to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete the items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

This is regarding my complaint case ID XXXX which was unfortunately closed without resolve. 

While Chase bank has now responded, the information they provided is unfortunately false. While they did credit our accounts initially in early XXXX after a month of depositing the funds ( leaving out {$5.00} from my original deposit ), they sent a letter to our Chase account that stated after their fraud investigation, it was found that the transaction was processed according to the information I provided or was found authorized. Because of this, they removed {$2000.00} on XX/XX/XXXX and provided no evidence or further information. This again is criminal and fraud as we never authorized anyone to take money from our deposited accounts. We've reached again a week ago to get this resolved and still haven't received a response. For the last month and half, we have not had all of the initial money from our deposited wedding funds in our accounts. Again, this is criminal and fraud and neglect continued by Chase Bank. Please respond with the action to return these funds.
Product: Credit card

Situation My wife and I have been loyal customers of Citizens Bank for over 35 years, holding various accounts including checking, savings, investments, credit cards, and our mortgage. Sadly, on XX/XX/year>, my wife passed away unexpectedly. I provided our local branch with proof of her passing to freeze her accounts and withdrew some money from our savings. On XX/XX/year>, I paid the total balance due on her credit card from our savings account. 

In XXXX, I received a new statement with a balance of {$8.00} due to daily interest accrued before my XXXX payment. I paid this amount in person at our local branch on XX/XX/year>. On XX/XX/year>, I received a letter stating the account was paid in full but would be reported as a " paid-in-full charge-off, '' which negatively impacts credit reports. According to the XXXX website, A charge-off means a lender or creditor has written the account off as a loss, and the account is closed to future charges. 

Complication Understanding that mistakes happen, I went to our local Citizens branch for resolution. The assistant manager claimed she couldn't help. Frustrated but hopeful, I called the number on the letter and spoke to the Recovery team, who was also unable to help and transferred me to Credit/Collections . This department was unhelpful and insensitive, referring to my wife as though she were still alive and suggesting that the account had been in collections, which it had not. The employee then suggested disputing the filing with the credit bureau. After pushing back and requesting a supervisor, I was transferred back to the Recovery Department. 

I then spoke to another individual within the Recovery Department. While he couldnt resolve the issue, he at least provided this email address for further communication and to request a resolution.

Requested Resolution My wifes name and reputation are essential to me in life and death. The account status and credit bureau filing should be changed from paid-in-full charge-off to reflect that it was paid off while in good standing and is now closed. This resolution needs to come from Citizens Bank. Honoring my wife is a matter of principle and pride, and I will not remain loyal to a bank unwilling to see this through.

I have shared with Citizens Bank what the expected and acceptable resolution looks like for me. Regardless of their ability to resolve, it is vital for agencies like the CFPB to be aware of this unacceptable customer experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting act I have some accounts that are in violation of law 15 usc 6802 -Obligations with respect to disclosures of personal information ( b ) opt out states ( 1 ) In general A financial institution may not disclose nonpublic personal information to a non affiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 0f this title, that such information may be disclosed to a third party. I never gave or received anything in writing giving permission to disclose public information. If you have no documents stating i gave permission to disclose information please delete this account from my consumer report.

Please delete the following inquiries off my consumer report.They should not be on my report. This agency is in violation of 15 USC 1681i ( 2 ) ( A ). They were to notify me of this in writing 5 days prior, I was not notified. In addition to the violation above pursuant 15 USC 1681ia ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general 5 ) Treatment of inaccurate or unverifiable information. ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information from the file of the consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporing agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify the item of information, as appropriate, based on the results of the investigation. : This account is inaccurate showing different information not accurate. Please delete the following accounts 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 XXXXXXXX Failure to respond satisfactorily with deletion of the above reference accounts, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for ; 1. Defamation of character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance -616.Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received an email telling me my coinbase account password had been changed. I had not done this, so I called there support number. I was told by a recording that only card members could talk to customer service representatives. I locked my account through the recorded messages. I took the steps to recover my account. After they reviewed it they said they would would send me a verification code. The last 2 digits shown for the phone they where going to send it to where not correct. Somehow someone had changed the phone number on my account. There is no way to call customer service and talk to a representative. I have sent emails, submitted a ticket, and sent messages on XX/XX/XXXXand XXXX and I haven't heard anything from them.