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

In XX/XX/XXXX ( or XX/XX/XXXX, I don't have my records at hand ), my bank, Wells Fargo, summarily closed my checking account, freezing my funds and providing no explanation as to why such an action had been taken. I am only reporting this now because I assumed I had no recourse until I read today of a Wells whistle-blower from a XXXX branch being fired for exposing this widespread -- and illegal -- practice on the part of the bank whenever any type of fraud was suspected to be associated with an account. In my case there was no fraud. After many phone calls to many extremely unhelpful Wells employees ( a few of which flatly stated that it would be impossible to reactivate my account ), I was finally able to ascertain that the closing was due to an alleged transaction with my credit union in which Wells claimed I had deposited or cashed a check for which funds were unavailable. Even after I contacted the management of my credit union and was assured that no such action had occurred, Wells refused to reinstate my account. ( This after I had held the account for over thirty years. ) Concerned that my credit rating would be effected, I persisted, and after more than two weeks of constant effort I finally contacted a sympathetic Wells who assisted me in reinstating my account.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple over draft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially avaiable funds.
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

To Whom It May Concern, I am writing to file a follow-up complaint regarding an unresolved billing dispute with Ally Credit Card , originally submitted to the Consumer Financial Protection Bureau ( CFPB ) under case number XXXX. While the CFPB marked my case as resolved, the issue remains ongoing, and Ally is not adhering to their commitments or their obligations under the Fair Credit Billing Act ( FCBA ). 
Specifically : Ally informed me that they would remove the disputed amount from my account and that no interest would be charged while the matter was under investigation. 

Despite this, the disputed charge remains on my account, and interest continues to accrue. 

This is a clear violation of the FCBA, which requires creditors to suspend charges and interest on amounts subject to a valid dispute during the investigation process. 

I made payments towards this charge to protect my good credit. 

I kindly request the CFPBs assistance in ensuring Ally complies with the FCBA and resolves this matter fairly and promptly. I am asking for the following actions : Immediate removal of the disputed amount from my account during the investigation.

Reversal of all principle, interest and fees charged on the disputed amount since I filed the dispute. 

A definitive resolution of this dispute, as the charge was improperly reinstated after being reversed in the initial investigation. 

Please advise on the next steps I should take to have this matter resolved. I greatly appreciate the CFPBs intervention and support in protecting consumers from these types of practices. 

Thank you for your attention to this matter. I look forward to your response.
Product: Credit reporting or other personal consumer reports

I have found erroneous information on my credit report in accordance with 15 USC 16c-2. I am convinced that this information is incorrect and is harming my credit rating. The inquiries listed are not authorized by me.
Product: Credit card

In addition to weekend calls, capital one contacted me at XXXX on XXXX XXXX after I contacted them in writing and told them to cease calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was closed by the lender on XX/XX/2011 ( correctly listed on the credit bureaus ), which is outside the credit reporting scope. However, they refuse to remove the account from my report, because the creditor says that it is still delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1700.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance {$330.00} ; XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$7500.00} ; EXPERIAN BUSINESS CRED Inquired on XX/XX/XXXX ; EXPERIAN BUSINESS CRED Inquired on XX/XX/XXXX ; XXXXXXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries that are shown on my transunion credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I am writing to formally dispute several unauthorized inquiries on my credit report, as identified in the attached documentation. As someone who has been proactive about credit security, I have had a fraud alert on my account for over 15 years to prevent such occurrences. 

Upon reviewing my credit report, I noticed multiple inquiries that I did not authorize. These inquiries have potentially negative implications for my credit score and could be indicative of fraudulent activity. Given my longstanding commitment to safeguarding my credit through a fraud alert, these inquiries are especially concerning. 

The unauthorized inquiries occurred on [ List the dates or approximate time frame of each inquiry ]. I have neither initiated nor authorized any credit applications during this period, and therefore, these inquiries are erroneous and potentially fraudulent. 

I request the following actions to resolve this matter : A thorough investigation into the unauthorized inquiries listed in my attached documentation. 
Removal of these inquiries from my credit report, should they be verified as unauthorized. 
An update on the status of your investigation and any actions taken. 
I have also contacted the credit bureaus to inform them of this issue and will be monitoring my accounts closely for any further suspicious activity. 

Please find attached copies of relevant documents, including my credit report highlighting the disputed inquiries and evidence of my longstanding fraud alert. 

I appreciate your prompt attention to this serious matter. Please contact me at XXXX or XXXX for any further information or clarification. 

Thank you for your assistance in protecting my financial integrity. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disputed a collection account on my credit report and XXXX removed the account due to incorrect information. However, XXXX and Equifax have refused, twice, to not remove the account, stating that the creditor disagrees with my dispute. The account was not opened in XX/XX/XXXX, but in XX/XX/XXXX when the first official delinquency was reported. Therefore, this account is not XXXX XXXX XXXX, but actually XXXX XXXX XXXX and XXXX and Equifax refuses to correct this.
Product: Credit card

Wells Fargo is soliciting their CC customers for balance transfers and subsequently turning their card products into " no grace period on current purchase '' as a result of the cardholder taking out a BT offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against Experian XXXX. XXXX XXXX XXXX, TX XXXX. I disputed accounts on my credit report to have them verified and removed but Experian has failed to do a proper investigation using the e-oscar method to verify accounts listed on disputes and give me proper proof of verification on unverified accounts. My first dispute letter they received certified mail was on XX/XX/2018 and they did not give me no verification or remove unverified accounts. I then sent them a second dispute letter to verify accounts on my credit report and they received it certified mail on XX/XX/2018 and they still did not give me no verification on accounts listed on letter. I then sent them a 3rd dispute letter and they received it certified mail XX/XX/2018 and they did not give me no verification or remove unverified accounts. I then sent them a 4th dispute letter and they received it certified mail XX/XX/2018 and they did not give me no verification or remove unverified accounts.
Product: Mortgage

I am currently paying my mortgage payment to Ocwen Loan Servicing LLC. On XXXX-2017 I mailed a payment in the amount of {$730.00}. They received it on XXXX-2017 which was a day before a late payment was to be assessed. In the meantime, I was in the process of trying to refinance with XXXX XXXX for a lower rate. Unfortunately, it was denied because of two late payments in 12 months. Today I received a letter from Ocwen, 16 days later stating the payment was returned unpaid twice due to insufficient funds. This is not true! I checked my account on-line and there was no indication that the check was ever submitted for payment. After I could n't find any information relative to the check, I contacted my bank and was told they did not submit the check at all! There is not a insufficient fund of {$35.00} reflecting in my account and they are lying about submitting the check. Now Ocwen is attempting to apply a late fee as well a late payment reflecting negatively on my account. When I called I got absolutely no where with the Customer service representative and to add fuel to the fire, I am currently enrolled in the HAMP program and this is the 6th year in which {$5000.00} is to be deducted from my principal balance ( ONLY IF I AM CURRENT ). I am so disappointed with them I am afraid to send XX/XX/XXXX payment because they have manipulated XX/XX/XXXX payment. PLEASE HELP!
Product: Credit reporting or other personal consumer reports

I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED INACCURATE INFORMATION BEING FURNISHED TO MY CREDIT REPORT AS LATE PAYMENTS. I'VE CONTACTED EACH CREDIT BUREAU VIA CERTIFIED MAIL. I HAVE NEVER BEEN LATE ON ANY ACCOUNTS ACCORDING TO 15 USC 1681A ( 2 ) I, TRANSACTIONS AND EXPERIENCES ARE TO BE EXCLUDED FROM A CONSUMER REPORT, AND FURNISHING A LATE PAYMENTS IS CONSIDERED A TRANSACTION AND EXPERIENCE. FURNISHING THIS IS IN VIOLATION OF MY CONSUMER RIGHTS. 

I HAVE NOT GIVEN ANY PERMISSION FOR THIS INFORMATION TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681B ACCORDING TO 15 USC 1681I ( 7 ), EACH BUREAU MUST PROVIDE THE FOLLOWING PROTOCOL OF HOW THEY CONCLUDED THIS INFORMATION. WHICH HAS NOT HAPPENED, SO NOTHING HAS BEEN VERIFIED OR VALIDATED.

LAST YOUR COMPANY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING THIS FALSE INFORMATION IS IN VIOLATION OF 15 USC 1681E ( B )
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2015, I had contacted Navy federal credit union about fraudulent activity on my credit card and large purchases not made not by me. I also told them that my personal account at a local bank was compromised and funds was taken from it as well. This led to a period of hardship for me, do to losing my money and being payed off because employer lost their contract. I asked them to lower my monthly payment on my credit card and auto loan accounts and when I get new employment, I can repay them. They ignored everything I was telling them and wanted to keep the payment as is, I told them that I could not pay the full amount and the account went delinquent and eventually it was charged off. The account is in charge off status and the debt was written off on their taxes, yet they continue to send monthly charge off status to the 3 credit bureaus as if the account was charged off last month. This a form of consumer harassment, because they are trying to make it look like this account has been recently charged off when it was charged of years ago. Its affecting my credit in a negative way and I want the account removed from all 3 credit bureaus.
Product: Payday loan, title loan, personal loan, or advance loan

I obtained a {$500.00} loan from CreditNinja, but they charged me an additional CAB fee of {$720.00}, which significantly exceeds legal limits and may violate usury laws. The repayment plan consists of 6 monthly installments of over {$200.00}, of which I have already paid 4. I requested a copy of my contract in XXXX to fully understand the terms, but they have denied my request. This lack of transparency and excessive charges are deeply concerning and may constitute predatory lending practices.
Product: Checking or savings account

I held accounts with Wells Fargo for multiple years, and found out via my bills bouncing that my both my checking and savings accounts had all been immediately closed on me with no warning. This happened about XXXX of XXXX I had money from my direct deposit from work in my checking at the time they closed it, and {$1400.00} in savings i needed in order to move into my new apartment in XXXX of XXXX 
I have attempted to go in person to a branch and get told i have to call a specific phone number. I've also called that department as directly multiple times each month since this happened. I've been told multiple times that they are mailing a check with the contents of my account, and even told they have reprinted and resent the check as well. I have given them multiple available addresses to me to mail this too as well and nothing as arrived to any of them. 
They claim that my account was flagged as " Spam '' even though I was a customer with a decent history with the company. This made me unable to access my deposits I needed to get into my new apartment and has caused many issues since. I am currently in debt for the amount they owe me so that I could secure my apartment.
Product: Credit reporting or other personal consumer reports

I filed a police report over a year ago when my wallet was lost in XXXX XXXX. My report number is XXXX and since losing my wallet which contained my ID and SS card, I have had multipule Credit Cards opened in my name and have acquired a large amount of debt. I did not autherize the use of my SS # and my personal information to open new lines of credit within the last 24 months. 

I just pulled my current Credit Report and i found a bunch of inaccurate information! 

According to the Fair Credit Reporting Act ( FCRA ) : The Fair Credit Reporting Act ( FCRA ) ( 15USC1681-1681u ) which federal legislation gives consumers the right to dispute incomplete or inaccurate information. 

My current report is reporting inaccurate addresses and personal information that is linked and connected to credit card accounts in which i did not authorize! 

Inaccurate Info ; XXXXXXXX XXXX XXXX XXXX XXXXV XXXX XXXX XXXX XXXX XXXX, NV XXXX These are the accounts that are reporting inaccurate information. I do not have any affiliation with these nor did I authorize my SS # to be used. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have several accounts on my credit report that are not accurate and I have reason to believe that Experian is not investigating them properly rather just sending back notifications that its been updated
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a new XXXX XX/XX/XXXX financed through GM Financial. In XX/XX/XXXX, my motor went out in the vehicle. The car was towed to XXXX dealership, and it was confirmed the motor was gone. I had around XXXX miles on the vehicle, and GM Financial would not replace the motor even though it was still under warranty. I told them they can pick up the car because there was no way I could pay for the car and get the motor replaced. GM Financial did not offer any assistance in the matter. Therefore, since the car was deemed as totaled, my insurance company paid a portion of the balance and thereafter the car was recovered. 
Around XX/XX/XXXX, the car was recovered by XXXX XXXX and charged off. However, XX/XX/XXXX, GM Financial is now reporting late payments on my credit report which is ruining my credit. How can the car be charged off and reporting late payments? I have not been in contact with XXXX XXXX the charge off. I have not any activity on this account none whatsoever. The account was closed charged off and date of last payment inaccurate and they would not delete I have read several articles with GM Financial using unethical practices. This is really emotionally disturbing and stressful.
Product: Credit reporting 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 privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My account is showing 90 days late in XX/XX/XXXX  and 120 days late in XX/XX/. I was not late. My account was up to date due to forbearance
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Director, Consumer Financial Protection Bureau Attn : XXXX XXXX, Complaint Per the FCRA as a federally protected consumer I am now opting out of any and all authorization. I, the consumer may have given you written, unwritten, verbal and non verbal Per 15 USC 6802. Effective immediately ; indefinitely. 

According to my credit reports, there are third party reporting agencies reporting my private information to all three credit bureaus, which is a violation of my Privacy Right, ( Privacy Act of 1974 ) Also, there are charge offs listed on my credit reports. A charge off is considered a Certificate of Indebtedness, which means it is income and has to be removed. Income can not be reported to my credit report. The law says it's illegal to report transaction history. 

All bank accounts are insured per 15 USC 1681, I have not received any interest or payment. I gave them a security 16 CFR 444.1.

There are Inquiries ( Promotional Inquiries ) 15 USC 1681 Permissible Purposes, {$1000.00} fine each occurrence. ( sent to the address listed above ) Lastly, I've been suffering tremendously because of these issues listed above. Ive been humiliated from being denied cars and homes, credit etc. Brokers/banks/lenders not accepting my applications. Telling me I need a XXXX deposit. I've been homeless because of this. For pain and suffering, humiliation, emotional damage etc. A {$20000.00} XXXX XXXX Dollars payment can be sent to the address above. Also, all negative reports should reflect good standing. 

Federal Laws mentioned 16 CFR 444.1 15 USC 1692 15 USC 1681 15 USC 6801 15 USC 6805 15 USC 6802 15 USC 6805 Thank you,
Product: Credit card or prepaid card

Union B ank took over my  XXXX   XXXX  card and my  XXXX  Card from  XXXX   XXXX  Bank. They changed the card from an  XXXX   XXXX  card which I had applied for to a  XXXX  card. By changing the card, they made it appears the card was a new card issued  by Union  Bank.     In the process of taking over the card, I lost my  XXXX   XXXX  benefits and the web and app access to my first bank card app and easy to use web site. After a few months, I noticed a {$99.00} annual fee.     I contacte d Union Bank  and explained the situation and asked them to remove the fee since I no longer had the same benefits. The phone agent told me she was unable to do so. I asked her to close my account and reverse the fee. She agreed and closed the card and after  XXXX  minutes on hold, she returned and said the account was closed and she could not reverse the {$99.00} fee.     I spoke to a supervisor  (   XXXX  ) who confirmed the card was closed and that they would not reverse the annual fee charge. I asked to speak to client relations and the supervisor said there is no one above her I can speak to.     I called the following day (  X/X/2017    ) and asked to speak to a supervisor. I was advised by the  CS rep (   XXXX  ) that there were no supervisors and they were all in meetings. I asked to have the fee reversed and she said no.     I explained that I had another identical card and asked if there was an annual fee. She said  No t here isnt. I asked her to explain how to identical cards ( Union Bank  XXXX   XXXX   XXXX   XXXX  ) from the same bank could have such different terms and her response was I do n't know and there is nothing I can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I filed a dispute with the company. They sent me a response through mail to the dispute. I responded with a debt verification letter that was received by the company within 30 days from the letter they sent me. I asked for proof that they are registered in the state they say they say the debt happened it. They have yet to reply to that letter or with the proof they are registered in Nevada.