23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Navy Federal CFPB Navy Federal Credit Union Secured nRewards Visa Card Ending in XXXX XXXX I have reason to believe that Navy Federal Credit Union is violating 15 U.S. Code 1666d ( A ) by failing to offset the balance of my credit account from consumer credit transactions made by this card. 15 U.S. Code 1666d states ; whenever a credit balance in excess of { {$1.00} } is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than XXXX months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. The balance of { {$1100.00} } on my account is evidence that Navy Federal Credit Union has not took the necessary steps to offset the balance from consumer credit transactions on this card as listed in 15 U.S. Code 1666d.
Product: Checking or savings account

Last month between XXXX XXXX an imposter made 3 charges on my XXXX account after they hacked and of course they were not authorized. These charges were attached to checking account ending # XXXX and came to a total of around {$1400.00}. I filed a dispute, and it was quickly dismissed. Of course that account was closed and that doesn't stop the bank from doing an investigation. Shortly afterwards, they denied the dispute. 
I refiled dispute on XXXX XX/XX/2022 again about these fraudulent charges. Citibank is in violation of the Electronic Transfer Act by denying customers credit for fraudulent transactions. This is a recurrent theme with Citibank and something that will eventually land them in hot water. 
I need my money back and Citibank needs to follow the law and honor customers disputes. I was a customer with this bank for about 16 years and they are now trying to claim they don't recognize me as a customer. How low can you go? This bank is also involved in fraud as they help thieves to steal customers ' money. I hope the government can go ahead and start an investigation into these deceptive practices.
Product: Checking or savings account

money market account at bmo they took money in so easily ( XXXX deposit ) but refused on numerous instances to return it other than me scheduling XXXX auto transfers back to my bank every week ( 4x per month tops ). it has taken me a while to get funds out. on top of that, they do not answer calls. when they do, they diconnect after an hour+ on the phone. they suspend accounts and disallow logins for no reason ( very frequent ). 

as a bank executive myself, i have never seen a bank with this much disregard and neglect for its processes and customers. i have made XXXX in total interest, and that is so immaterial for me in the grand scheme of things. what i would like to see is this bank held responsible for its actions. 

i have spent over 12 hours on BMO on trivial issues - deliberately caused by their own failures. most recently my account was suspended from me logging in, all while they continued to charge {$36.00} NSF fees because they would not allow me to stop my auto transfer cadence. 

a rep finally told me over the phone that he would stop the transfers and restore my access. that did not happen and the fees continued to mount. 

overall, this bank is non responsive, neglectful/complete disregard for consumers and their scarce time ( defeats the purpose of online banking and self service ) still in disbelief - i would like to see fast resolve. i am available for a phone call - happy to walk anyone through this agonizing process
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am submitting this CFPB complaint to delete the following fraudulent accounts in my file. The accounts 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 accounts 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. Here is the list of accounts that should be deleted from my Credit File as soon as possible : EQUIFAX : XXXX XXXX XXXX XXXX Owed : {$110.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX  XXXX Balance Owed : {$2600.00} XXXX XXXX XXXX XXXX Balance Owed : {$790.00} XXXX XXXX XXXX Balance XXXX XXXX {$4400.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00}. Also, you have been continuing the reporting of these accounts without sending me copies of proof of verification, which is a clear violation of my consumer rights under the FCRA. If you can not prove that the disputed accounts are accurate, you should have removed these accounts immediately.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax are reporting several late payments on several accounts, these late payments are adversely affecting my credit and I have requested that XXXX, XXXX, & Equifax provide me with evidence that these late payments are indeed correct. 

The account in question are 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 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 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 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 ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit card or prepaid card

Two Companies 1-XXXX XXXX Store 2-XXXX XXXX ( XXXX XXXX XXXX Somebody stole my identity and tried to open Credit Cards on my name
Product: Credit reporting

I have a XXXX collection bill on my credit report that does not belong to me. It belongs to my sister in law. The amount is for XXXX dollars. My sister in law and I share the same name. We also have a common address involved as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX has violated my rights In accordance with the fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX has violated my rights In accordance with the fair Credit Reporting act XXXX  Account # XXXX XXXX has violated my rights In accordance with the fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX has violated my rights In accordance with the fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX has violated my rights In accordance with the fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX  has violated my rights In accordance with the fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX has violated my rights In accordance with the fair Credit Reporting act convergent these Inquiries has violated my rights. 
XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening, I am sending this method of complaint due to XXXX, Transunion, and XXXX  are not complying with my dispute request. I have sent a letter on XX/XX/XXXX and XXXX XXXX. I have informed them that my first initial dispute was sent on XX/XX/XXXX and my second initial to demand and comply was sent on XX/XX/XXXX. I have yet to have this matter resolved.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Bills Of Exchange Act, Federal Reserve Act, 18 usc 241/242, Truth & Lending Act, CDCA, HJR -192, ECOA ( Equal Credit Opportunity Act ). The list of accounts from all 3 credit bureaus, report on XX/XX/2024, below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, Federal Reserve Act ( Section 16 part 2 ), and Bill of exchange Act. They also knowingly and willingly conspired to deprive me of human rights under color of law title 18 usc 241/242, while committing securities fraud. 

Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FACT : 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without written instructions. FACT : 15 USC 1681 c. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years FACT : 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate ( See Attachments ) DEBT SUMMARY Credit card and credit line debt : XXXX : {$0.00} XXXX : {$0.00} Experian : {$0.00} Loan Debt : XXXX : {$180000.00} XXXX : {$36000.00} Experian : {$180000.00} Collections Debt : XXXX : {$730.00} XXXX : {$730.00} Experian : {$730.00} XXXX XXXX XXXX : {$180000.00} XXXX : {$36.00}, XXXX Experian : {$180000.00} Open Accounts XXXX : XXXX XXXX : XXXX Experian XXXX Accounts never late : XXXX : XXXX XXXX : XXXX Experian : XXXX Closed Accounts : XXXX : XXXX XXXX : XXXX Experian : XXXX Collections : XXXX XXXX XXXX Experian : 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 Experian : XXXX yrs 11 months FACT : ( XXXX ) Violation The term violation means any act or omission that, if proved, would constitute a violation of any provision of Federal consumer financial law. 

15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly : ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX. XXXX [ Date ] Jefferson Capital System Subject : Dispute of Debt I am writing to formally dispute the debt associated with account which you claim I owe for a leased phone from XXXX. I believe this debt is invalid due to the following reasons : XXXX. I was misled by the salesperson at XXXX and was under the impression that I was financing, not leasing, the phone. 
XXXX. I made consistent payments for 15 months, and the phone was paid off according to the terms I understood. 
XXXX. XXXX later informed me that the phone was leased and required an additional {$500.00} to unlock it, which was not disclosed at the time of the agreement. 

I request that you provide the following : XXXX. Verification of the debt : A detailed breakdown of the charges, including documentation of the original lease agreement and the payment history. 
XXXX. Proof of debt transfer : Documentation showing that this debt was legally transferred to your agency for collection. 
XXXX. Evidence of communication : Any records of communication regarding the lease terms, including details about unlocking the phone. 

Under the Fair Debt Collection Practices Act ( FDCPA ), you are required to provide this information. I also request that you cease all communication regarding this debt until it is verified. 

If you can not verify the debt, I request that it be removed from my credit report immediately and that no further attempts to collect this debt be made. 

Please respond to this letter in writing within 30 days of receipt. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I opened 2 accounts with Ally Bank. Both accounts were opened based on an Ally Bank Promotion that if I deposited {$50000.00} I would get a {$500.00} 1 % cash bonus for each account for a total of two {$500.00} bonus payments on each account for a total of {$1000.00}. I did everything required to meet the eligibility requirements and should have received the two {$500.00} payments by XX/XX/2023. I have reached out several times to Ally as I have not received the cash bonus payments and Ally has failed to respond. They are ignoring my requests for resolution. They state they are " researching '' but never follow up and have failed to payout the {$1000.00} that has been due since mid XXXX. It is not right for Ally to refuse to pay a customer a bonus payment when the customer has fulfilled all the terms and conditions necessary to receive the promised bonus. I have all the evidence that proves that I applied for the bonus and completed the requirements.
Product: Debt collection

XX/XX/2015 received a call at XXXXXXXXXX/XX/2015 received a call at XXXX, XXXX,XXXX,XXXXXXXXXX/XX/2015 received a call at XXXX XXXX, and XXXXXXXXAll calls were received from Ocwen financial about my mortgage payment . My payment is due on the XXXX of every month, however it is not considered late until the XXXX of the next month. This is harassment.
Product: Credit reporting or other personal consumer reports

credit bureaus what was the amount owed on this XXXX XXXX Citibank account label as late payments account # XXXX According to The FCRA is a federal law that gives you the right to dispute inaccurate information that appears on your credit report. And this account have reported inaccuracies for a long time time if cant be proven please have this removed because all three bureaus is very inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

This is on Cash app how they let someone take money from XXXX take it from my account first to bitcoin and then somebody cashed out on bitcoin that was the first complaint. The second complaint was there was a company online and it was XXXX XXXX think it was And I got scammed out of it and I let Cash App know and they did not try to help me get my money back on it or nothing they just told me there was nothing they could do made me wait 60 days to tell me there was nothing they could do And I do have the information and everything that I sent to them
Product: Money transfer, virtual currency, or money service

My acct was hacked. On XX/XX/22 {$270.00} at XXXX ; XXXX was STOLEN from my CASH APP. Then on XX/XX/22 {$1000.00} was taken. I FILEDa complaint but it was denied. I have been with CASH APP for four years. I WAS ROBBED OF {$1200.00}. I AM A XXXX VETERAN I NEED MY MONEY TO PAY RENT AND MONTHLY BILLS. CASH APP CLAIM NUMBER XXXX. I NEVER AUTHORIZED ANYONE TO DEBIT MY ACCT
Product: Credit reporting or other personal consumer reports

XXXX. The inquiry was not authorized XXXX XXXXXXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Validate Account M A R S INC Account Number : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

XXXX. The following is an invalid late payment XXXX XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

XXXX. Validate Account XXXX XXXX XXXXXXXX Account Number : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

XXXX. Validate Account XXXXXXXX XXXX  Account XXXX : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

XXXX. XXXX Account XXXX XXXX XXXX XXXX Account Number : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

XXXX. The following is an invalid late payment XXXX XXXX XXXX  Account Number : XXXX Please remove late payments and update account
Product: Vehicle loan or lease

Logging in to my Santander Auto Loan account in XXXX of XXXX, the balance showed XXXX. I made a payment, more than the required amount. The balance was XXXX, and santander tacked on XXXX in " misc fees ''. See attached screen shot of my account. 

The only way I found out was that my credit score was knocked down in XXXX, XXXX, when I was going through a mortgage refinancing. 

I called Santander on XX/XX/XXXX. They said I still owed XXXX, which I promptly paid. 

I asked them to take the lates off my credit report, they refused
Product: Credit reporting, credit repair services, or other personal consumer reports

Victoria Secret is incorrectly reporting a delinquency account on my credit report. Report shows an account opened in XX/XX/XXXX and charged off in XX/XX/XXXX with a {$910.00}. This account was closed years before XXXX and should have been removed. The charge off has been reported on my credit report more than once and renewed for an extended period of time. I requested proof of account and charge off date to no avail. Company closed my dispute without removing this from my credit report. I currently have a victoria secret card thats was opened in XXXX, which makes no sense they are reporting an account charged off the previous year.
Product: Credit card or prepaid card

I applied for a US Bank Signature Rewards credit card at the end of XXXX or early XX/XX/2018. My request was rejected in accordance with the letter of the Bank REF : XXXX from XX/XX/2018. I thought that at the time of the application I had score about 820+ points. However, my application was denied because, according to the letter, the credit agency ( agency ) indicated that I had placed the XXXX  on my credit card. 
This is nonsense! 
... because after a week or two I applied for another credit card and almost immediately received approval from XXXX XXXX XXXX. 
And I wonder why the US Bank refused to approve for a credit card, is this a discrimination?
Product: Credit reporting or other personal consumer reports

I am being ignored by Equifax. Fraudulent accounts have been posted on my credit report from transactions I never had any association with. I can not get approved for credit and haven't been for a while now.