23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am formally disputing the late payment entries on my credit report : XXXX XXXX XXXX - {$5600.00} XXXX XXXX XXXXXXXX - {$10000.00} XXXX XXXX - XXXX - {$240.00} XXXX - XXXX - {$2200.00} XXXX XXXX  - XXXX - {$940.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.
Product: Checking or savings account

On  XXXX   XXXX ,    2015 I re ceived a call fro m Chase to verify  some activities on my account. I told the rep then that I have n't done anything in my account and did n't recognize any of the transactions from the particular account they were referring to. ( At the time I had  XXXX  accounts wit h Chase ).  So that 's when I realized that I had lost my debt card and also informed the rep of this as well. Not only were they able to gain access to my online banking but also made changes on my account. On this same date  XXXX  check deposits were made for {$740.00} and {$760.00}, then on  XXXX   XXXX ,  2015   XXXX  more check deposits were made of {$740.00} and {$740.00}. Which were desposited via ATM in  XXXX , IL, I live in  XXXX   XXXX , NJ. They were some construction company checks that I 've never heard of.     In my account at that time was my rent amount of {$1500.00}, which was taken out via ATM withdrawal on  XXXX   XXXX ,    2015. On ce these checks were in the account they withdrew the monies as money orders for those same amounts listed above. I went back and forth with Chase for almost a week signing documents, questionnaires and dealing with some supervisors over the phone with nothing to be accomplished.     Even until after the holidays I was n't able to get this matter resolved until they finally decided that they were going to close all of my accounts with Chase and not be refunded {$1500.00} the monies that was withdrawn from my account at the time the whole fraud case began. But they are also penalizing me for monies owed to them in the amount of {$2300.00}. And wo n't be able to do business with them for the next 7 years
Product: Money transfer, virtual currency, or money service

I transferred {$150.00} via Zelle to the receiver account on XXXX XX/XX/2023, but the receiver claimed that didn't receive money until now. 

payment details : Transferred at XXXX, XXXX XX/XX/2023, {$150.00} processing AZ Confirmation # XXXX from : A Z To : XXXX XXXX XXXX XXXX, a division of XXXXXXXX XXXX XXXX XXXX, # # # # # # XXXX sent : Today Available : Monday Payment ID : XXXX
Product: Debt collection

In XX/XX/2020, I noticed a debt reporting on my XXXX, XXXX, and XXXX  credit reports from TransWorld System Inc., for {$100.00} original debt is from XXXX I wrote Transworld System stating I was not aware of this debt and requested the original billing and address this debt came from, letter was mailed out through USPS with confirmed mailing slip. 
As of today, XX/XX/2020 I have had no reply from Transworld System.  Yet, this debt, which I have no information or knowledge of continues to be reported to my credit reports by Transworld Systems.
Product: Mortgage

I recently applied for an equity loan for debt consolidation with Discover Home Loan many times in several months. Because each time Discover denied my application without providing the details of the denial. The phone number and the denial letter Discover provided couldn't be reached. I spent days to find out the contact, but the answer was uncertain telling me to start a new application. In my most recent application 's underwriter has done a mistakenly calculation of my debt ratio of 78 % after I eliminated my debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy on my credit report on all three bureaus and this is not mine I have been disputing this since XX/XX/2020 with the bureaus and the courts the courts have tolkd me that they can not verify these thru the courts they are verifying by public record!!! 

Account Name : US BKPT CT CA XXXX XXXX Account Number : XXXX Reason : This is not my account
Product: Checking or savings account

I wrote a check for {$1000.00} and attempted to mail it to the recipient, XXXX XXXX. The check was stolen from the mail and deposited in the account of someone other than XXXX XXXX -- the endorsement is clearly not " XXXX XXXX ''. I notified Webster Bank of their error in cashing this check and followed their reimbursement procedures as well as filed a police report on XX/XX/2019. 

Webster initially said it would be resolved in 30 days, and has since not been able to provide date when money will be returned to my account.
Product: Mortgage

Please refer to my previous complaint : XXXX, submitted on XXXX XX/XX/XXXX. I regret bringing this dispute before the Bureau again. But the Bureau does insist that it wants to discover patterns of misconduct by commercial firms. And New Rez, like the ancien rgime in XXXX or like a XXXX XXXX in XXXX, has shown itself incapable of learning anyting at all, at all. Its wandered off the Rez again. 

Some time-and-motion hotshot must have persuaded New Rez it could fire most of its wetware ; pay the remnant little and train them less ; and then make big bucks by relying on algorithms, formulas, and lines of code. In practice such late-stage capitalism works no better with New Rez in XXXX  or XXXX XXXX XXXXhan with XXXXwhich I also never signed up for yet got bumped into by XXXX XXXX XXXX No actual human being at New Rez answers, returns, or places a phone-call. This holiday extends to XXXX XXXX of the Compliance Department : Despite her performatively contrite letter of XXXX XX/XX/XXXX inviting me to call, she has gone for 4 on calling me back. 

Three minutes of thought by New Rez about the two current, sufficient policies that I and my condominium ( the XXXX XXXX ) have provided to New Rez, followed by three minutes of chat between me and an actual human being at New Rez about the policies, could resolve this dispute without embroilment of the Bureau. 

" If theres one thing I can appreciate about anything I [ transact ] on-line, its a responsive customer-service line. I made five calls to [ a firm ] during various stages of trying out this service. I had some trouble figuring out the site and initially confused the drop-off and pick-up dates, but [ each time ] I was able to get everything sorted out [ with ] a call answered on the first ring.secret shopper for the XXXX XXXX  Yet New Rez must believe , as XXXX XXXX XXXX jested , that thought in general, and chat by one of the few actual human beings left on its meager payroll in particular, are irksome while six minutes is a long time. Therefore, Im obliged to deal with New Rez through the medium of your good offices again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing my credit file with XXXX, XXXX  and Equifax to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint ... ..The 3 credit bureaus reports an inaccurate account that has not been investigated, nor a notice of dispute recorded, This is unlawful reporting! After a year of disputing the credit bureaus remain in non-compliance and blatantly records negatively, this is damaging to my credit score and report ... ..Moreover my open accounts Payment data history does not coincide on any accounts, XXXX  Last payment does not coincide with XXXX  payment data history, Equifax does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
INQUIRY INCLUDED IN DISPUTE : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX INQUIRY INCLUDED IN DISPUTE : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite have sufficient funds transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card or prepaid card

I am XXXX year old woman. I have been a long standing customer of Bank of America for credit card usage. I had set up my account, like all of my other credit card accounts, to be paid automatically with the minimum payment so that I never had to worry about missing a payment. In XXXX XXXX, I had a terrible fall and ended up in the hospital for almost 3 months. I was not concerned about the payment to my Bank of America account since it was set up to be paid automatically. However, once I was out of hospital I received a bill that I was late in payments and had incurred substantial late fees. I tried to resolve this both over the phone and in person. However, Bank of America would not work with me. I explained to them that I had set this up for auto payment for this exact reason - in case something happened and I was n't able to make my payments myself. However, the way their website works, you put in a designed payment amount for auto payment. If the balance increases, the auto payment amount does not increase. All other credit card companies I have used allow for the minimum payment to increase based upon the balance. If the balance goes up, so does the minimum payment. Likewise, if the balance goes down, then the minimum payment goes down. I tried to explain to them that is what I believed to be the case. I also agreed to pay them for what was due but not the late charges since I did n't believe that I was truly late - rather there was a misunderstanding. They would not waive the late fees. It should also be noted that they continue to receive my auto payments while this dispute is ongoing. I have done nothing to deter them from receiving payments from me. I am looking for you to intervene and determine if I can be relieved of the late fees that continue to accrue. Thank you.
Product: Checking or savings account

Might my issues with this bank account it says that it was opened on XX/XX/2016 but I was XXXX so how can I open up account if I was XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this company named XXXX XXXX since XXXX regarding a personal line of credit that was issued. I have been provided with misleading information regarding the dispute of their investigation every since time! Ive spoken too a resolution specialist in the Iowa Office XXXX XXXX and he provided me the resolution too resolve the matter, and once I accepted that offer the executive office lost contact with that representative. The representative XXXX XXXX was unable to be reached.. I was given the run-around by EVERY supervisor when calling in AND, I had to provide my story every single time! This amount is excessive and higher than the original balance the company has been in a class action lawsuit XX/XX/XXXX regarding damaging credit and was suppose too release at least an amount of {$25.00} XXXX too non-compensatory damages. I NEVER received any information regarding they would assist as I complained EVERY YEAR too this company about my compliant. I have all documentation regarding the suit and how they allegedly claimed to help those who was hurt. Within the Case XXXX /Document XXXX 2. Settlement Benefits it states : Net Settlement Pool 1, which will be 77.46 % of the net settlement fund, will go too paying damages related too period running from XX/XX/XXXX through XX/XX/XXXX. The documentation Also states they as in XXXX XXXX would pay for the Fee Damages, and Credit Impact Damages for the XXXX to write and still leave at least {>= $1,000,000} for Non-Compensatory Damages The documentation states they are Obligated too pay the amount. It states as well if a previous consumer has complained too XXXX XXXX or Federal Agencies they would be automatically enrolled into the settlement in section ECF XXXX. AS I READ XXXX XXXX, XXXX XXXX XXXX has AGREED too pay {$1.00} XXXX towards their so called expert analysis which wouldve been the title of XXXX XXXX who was miraculously retired/and or fired.
Product: Debt collection

I have sent letters to Midland Funding and XXXX to have the account information reported removed from my credit report due to it not being mine and that they needed to prove it was mine by verifying my signature and neither company could verify it nor even tried other than to send me a letter stating that my account was sold to Midland and yet they both are reporting on my credit report. If it was sold, why is XXXX still reporting it? Neither could verify nor have they deleted it from my credit report. I gave them 30 days.
Product: Money transfer, virtual currency, or money service

Citibank XX/XX/XXXX : - check was deposited in the amount of {$2400.00} on the condition that the check sender would be sent {$700.00} back in the form of gift certificates. 
- upon deposit, {$840.00} was immediately deposited into my account. 
-I contacted a Citibank representative on the Citibank applications online chat, and they told me that it was normal for the check to be deposited in varying amounts. 
- based upon this provided information and the newly updated balance, I considered the check valid, I completed my end of the transaction ; providing the sender with {$700.00} in the form of gift certificates from merchant, the XXXX corporation. 

On XX/XX/XXXX : - {$200.00} more was deposited into the checking account with Citibank, from the deposited check. 

On XX/XX/XXXX : - {$400.00} more was deposited into the checking account with Citibank, from the deposited check. 

On XX/XX/XXXX : - A second check was sent from the original sender, with the same conditions as before. Seeing that there were no issues with the first check, I deposited the second check in the amount of {$2400.00}. The check appeared to be valid, due to the fact that the check number had changed from the ending of XXXX to XXXX. Thus differentiating the two checks. 
- After depositing the checks, {$0.00} was immediately deposited into my checking account. 

On XX/XX/XXXX : - I was notified that my account with Citibank was suspended, and over drafted for an amount of - {$400.00}. 
- In the afternoon, I entered the XXXX, Virginia Citibank location - and spoke with banker who helped me contact XXXX XXXX, and it was determined that the check was indeed fraudulent. The Citibank Banker confirmed that the reason for my accounts suspension, was the initial fraudulent check. 
- The banker informed me that the best course of action, would be to contact the fraud department. 

On XX/XX/XXXX : - I was still confused about the pending check, and contacted the Citibank team. I called them as soon as I could, due to the fact that they were closed for business on Friday ( XX/XX/XXXX ) after my in-person meeting with the Citibank banker. 
- They informed me that my bank account would enter the negatives, and overdraft, should the second deposited check bounce. I told the representative, that based upon the information provided to me by the banker in-person, that this check would likely be fraudulent as well. She told me that no action could be taken until I contacted the fraud department when they next opened on Monday XX/XX/XXXX, at XXXX EST. 
- I told the representative to please make a note in my account, that I called, and the details of the situation that I provided. So that when the fraud department is contacted on Monday, they are aware of the situation. 
- I conducted independent research, and found that the best course of action would be to report this scam to the Consumer Financial Protection Bureau ( CFPB ). That is the most recent update regarding the situation, and I am now posting this to report as fraud and scam.
Product: Credit card or prepaid card

XX/XX/XXXX, I was at a restaurant and my card was declined, they encourage you to use card to get rewards and had done so, Instead of calling asking about the use they shut down my card and called me after the the fact, and refused to let me know why saying it was an on going investigation, 15 days latter they finally let me know it was because i tried to use the card, I was only 45 minutes away from my home. I was totally humiliated, this was a Sams Synchrony Bank card
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. These accounts are reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. 

( XXXX XXXX XXXX, XXXX  XXXX )
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the elimination of any incorrect accounts from my credit report, I reckon. Would you mind reviewing the documents? A few of the mentioned accounts are inaccurate, causing me some unease.
Product: Credit reporting or other personal consumer reports

These companies accessed my credit report without my consent, and it's taken a toll on my credit score. I contacted Experian, and while a representative assured me these fraudulent inquiries would be removed, they are still showing up. This situation is causing me significant stress and anxiety, as it makes me fear I could be a victim of identity theft. Not only is my credit score suffering, but its also affecting my ability to secure loans or financial products, making it harder to manage my finances and adding unnecessary strain to my daily life.
Product: Checking or savings account

My Ally bank checking account was locked for no reason. I called multiple times, asked what is going on. They told me nothing other than an account specialist will have to call me in one to two business days. I can't pay bills, this is criminal. One customer service rep tried asking me random questions about information that might apply to me as multiple choice. Apparently I didn't answer them correctly because she was unable to authenticate me. They couldn't text my phone either. Don't know why, I have 0 answers and no way to access my money
Product: Credit card or prepaid card

I followed a link from a XXXX ad for a series of books. The link " Read the Series for Free with your XXXX Unlimited Subscription. I was charged {$23.00} for the series, even though the ad claimed it would be free. I attempted to dispute the charge with Amazon and had no response. I disputed the charge with Chase, the credit card company for Amazon, but they insist the charge is valid. 
This was a fraudulent " bait and switch '' advertisement. I do not want the series, and would never have agreed to pay for it. I want a refund, and Amazon to stop with the bait and switch adverstising. 
Original date of charge XXXX XXXX, XXXX. XXXX # XXXX. 
XXXX XXXX
Product: Debt collection

They have called me five times over the past month. At first I ignored the calls not knowing what it was about, and they never left a voicemail. At the third try, I answered to be asked where XXXX was. I told them they had the wrong number and they said they would put it through their system. 

Fast forward to today, I received another call and they asked for XXXX again. After asking them to confirm the number they had just called, they told me a number that was three digits off from my personal. I told them that I had already spoken with someone from the company regarding this exact thing and that I would be reporting to the FTC due to my privacy being breached again.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, XXXX and Equifax in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 
I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions XXXX regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.
Product: Debt collection

This company calls me 5-10 times a day every single day with an automated recording that they are a personal currior survice that will be delivering legal documents to me if do n't pay my debts.