23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Good morning, I contacted Barclays about their Old Navy Credit Card that I never applied for or received, which means fraud was evident. According to their loss prevention team, the issue would have been resolved in about 30 days, yet it is approaching 60 days which has adversely affected my credit score to drop approximately 50 points. I don't own that card. I don't shop at OLD NAVY. I am not an account holder with Barclays so I don't understand why this issue can't be resolved in an expedient manner.
Product: Bank account or service

I intended to sign up for a bank account with M & T Bank and all online materials indicated that all I needed to do was make a deposit from my debit card from another account. Once I did this, I was informed that they needed much more information. I asked to be refunded the money. They refused and replied that they could not release the funds without account verification. I replied that I did not want an account and they had no trouble taking my money therefore it should not be any trouble to return it to the card from which it was deposited. They will not give me my money back and are not assessing service charges monthly to systematically steal my money. My money is being held hostage by them. They took my money under false pretenses and now refuse to return it.
Product: Credit card

Good Day CFPB Team!

I was on the Navy Federal website seen the advertisement : Proof Attached " Navy Federal Credit Union https : //www.navyfederal.org ... Credit & Debt See If You're Prequalified Before You Apply. Navy Federal members can see if they qualify for a card without any impact to their credit score. Apply for your...

Navy Federal Credit Card Pre-Qualification '' After applying it pulled a hard inquiring which according to the website it promised it prequalify you prior to doing that.

Therefore, its false advertisement and I'm requesting for the removal of this inquiry. 

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

These accounts is not mine XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries is not mine XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect, remove XXXX XXXX XXXX XXXX NJ, XXXX
Product: Checking or savings account

On XX/XX/XXXX, I was notified by PayPal that I owed them XXXX for XXXX bills presented by XXXX : XXXX for XXXX and XXXX for XXXX. 

I immediately transferred XXXX. You will see it in green with a + in the docs I am sending you XXXX XXXX XXXX XXXX XXXX + {$23.00} PayPal then rebilled me a second time. They drafted my chime debit card {$5.00} AND XXXX a second time on XX/XX/XXXX. 

Then this morning on XX/XX/XXXX, they refilled for a third XXXX. They thought I would not pay attention because it was combined with another payment of XXXX making it a total of XXXX
Product: Checking or savings account

My checking account with Banco Popular de Puerto Rico was closed due to inactivity for 6 months which I understand. I called XX/XX/19 to reactivate it, they sent me a form called Account Reactivation Request which I filled and sent to them the same day. I have been calling multiple times during the last months and they keep telling me it is in progress and will be reactivated the next day. Today is XX/XX/2019 and I still can't access my account. I left this account open in order to be able to transfer money easily to my family in Puerto Rico in case of an emergency.
Product: Credit reporting

this report # XXXX not mine please remove from all XXXX reports
Product: Credit reporting or other personal consumer reports

duty pursuant to the FCRA, it is EQUIFAXs to be reporting correct and accurate information on my credit report and file, however they are NOT. EQUIFAX is reporting XXXX inaccurate late payments XXXX for XXXX account ending in XXXX and XXXX for XXXX Bank account XXXX in XXXX. These include a XXXX late payment posted on XX/XX/2024 ( XXXX Bank XXXX XXXX XXXX and a XXXX late payment posted in XX/XX/2024 ( XXXX Bank ). These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in EQUIFAX violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination
Product: Credit card

I am writing to formally lodge a complaint regarding my experience with Ashley Furniture XXXX and the associated credit line I opened at the time of my purchase in XX/XX/year>. 

At the time of the purchase, I also opened a line of credit to cover part of my balance. However, I was not informed that there would be a XXXX XXXX interest rate if the balance was not paid off within XXXX year. This crucial detail only came to my attention after a year of making payments, when I noticed a significant increase in the amount owed. 

Upon discovering this, I immediately contacted both Ashley Furniture XXXX and the credit line company. Unfortunately, I was told that since a year had already passed, nothing could be done to rectify the situation. Despite feeling misled, I decided to continue making the payments. 

Recently, I reviewed my account and was dismayed to find that the amount owed continues to increase due to the XXXX XXXX interest rate being applied monthly. I believe I have been taken advantage of, as this high interest rate was not disclosed to me at the time of purchase. My attempts to resolve this issue by speaking with management have been futile, leaving me in a position where I am paying more in interest than on the actual balance. 

This situation is unjust, and I feel that proper disclosure of the interest rate terms should have been provided at the time of the credit line agreement. I am seeking assistance from your agency to address and rectify this matter. 

Thank you for your attention to my complaint.
Product: Checking or savings account

Approximately 2 years ago chime froze my account. I had just deposited XXXX dollars into it. They told me my account was frozen and I was not getting my money back because of topic number 9 in their rules. The Deposit was suspicious. After about a week of fighting with them they closed my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX SSN : ***** XXXX Contact : ( XXXX ) XXXX XXXX Disputing Inaccuracies on My Credit Report XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Original Creditor : XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Phone Number : ( XXXX ) XXXX XXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This is a inaccurate Fraudulent account and I've also been contacted by your company about a debt you allege, I owe several times from Bridgecrest Account Number : XXXX. This has hindered me from being able to provide for my family on many occasions. This Collection account is reporting as a Delinquent Account and recently changed into a repossession with a past due balance of [ {$9100.00} ]. Please be advised that this account is only shown on XXXX not XXXX or XXXX. This is a Fraudulent Item also displaying that it is a joint account! I do not know anyone of the name XXXX XXXX. I am frustrated and irritated please correct this immediately According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. please send me the names and addresses of all individuals you contacted so that I may follow up with them directly A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I am requesting that your company provide me with debt validation be advised, this is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g et seq. of the Fair Debt Collection Practices Act ( FDCPA '' ). Please provide a breakdown of fees, including any collection costs. Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer, if any. Finally, please provide an affidavit signed under Penalty of Perjury that your organization has not violated any portion of the FCRA, FDCPA. 


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

EQUIFAX is reporting an account that I do not recognize. The account is a medical collection - I did not receive these services. I've asked for documentation verifying the accuracy of this debt. I have not received any documentation verifying that this is my debt. 

I AM NOT A CREDIT REPAIR COMPANY
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This Consumer Note is my official call for you to discontinue reporting of the items below-displayed and aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and or else wise physically verified and validated claims. Due to at least these few compliance-issues in your current reporting I demand you prove beyond doubt your claims ( XXXX ). 
This XXXX item is deficient as reported, as below-displayed in evidence of uncertified XXXX questionable even poor reporting. Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the XXXX @ FORMAT compliance since, per XXXXXXXX XXXX XXXX  Any deviation from these standards jeopardizes the integrity of the data so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated! 
I wanted to inform all parties that in the last thirty ( XXXX ) days that I have contacted the Federal Trade Commission. I explained in my letter to that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. 
I am demanding that you remove all inaccurate accounts from my credit profile in the next XXXX ( XXXX ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financial liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance your agency has yet to respond to my questions and statements of the Law. 
Please delete the following unverified fraudulent account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

In XX/XX/XXXX we refinancied our mortgage with Quicken Loans/Rocket Mortgage after they contacted us about how much we could save per month due to the lowering of interest rates. They projected that we would be saving approximately XXXX XXXXXXXX from our current payment. We decided this savings was worth losing a year on our mortgage and went through with it. In XX/XX/XXXX we were told that there was a {$3000.00} shortage in our escrow account and that our mortgage payment would be increasing XXXX XXXX due to this shortage, bringing us right back to where we began a year ago. Now, we're out the closing costs and the year of payments from doing the streamline mortgage and our payments are right back where they were before we refinanced. The resons I am given for the XXXX shortage are not adding up. There has been no increase in our property taxes or homeowners insurance. I feel that I was presented with this great savings so that I would go through with the refinance and now, a year later, I'm being told that my mortgage payments will return to where they were before I refinanced, something that I had no longer budgeted for or expected with no change to anything that would cause such a signifigant increase. I feel that this is a shady business practice to get customers to refinance and then a year later put them right back where they were after they are now already paying longer on their mortgages, are out closing costs, and are no longer budgeting for this significant increase.
Product: Debt collection

i look on my credit report on XX/XX/XXXX and notice a collection from IC SYSTEM for a alleged debt of XXXX XXXX  that i do not owe, and on XX/XX/XXXX i sent them a letter asking for the required information concerning account number XX/XX/XXXX.I also attached a copy of the document below.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of a medical debt on my credit report, as it is a clear violation of the recent amendments to Regulation V under the Fair Credit Reporting Act ( FCRA ). The CFPB 's final rule in XX/XX/XXXX prohibits the inclusion of medical bills on consumer credit reports. Therefore, this information must be immediately removed. 

Details of the Disputed Item : Creditor Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Date of Medical Debt : XX/XX/XXXX Amount : {$1100.00} According to the amendments to Regulation V finalized by the CFPB in XX/XX/XXXX, medical debts can no longer be included on consumer credit reports. The amendment was specifically designed to prevent medical bills from unfairly affecting consumers ' creditworthiness. 
By continuing to report this medical debt, your agency is not only violating the Fair Credit Reporting Act ( FCRA ) but also the updated Regulation V requirements.

Requested Action : I respectfully request that you : 1. Immediately remove the medical debt from my credit report in compliance with Regulation V as amended.

2. Conduct a reinvestigation of this account and provide a written response confirming the deletion of the disputed information.

3. Send me an updated copy of my credit report reflecting these changes.

Please consider this letter as a formal dispute under the FCRA and the updated Regulation V. I expect a response within the 30-day period as required by law.
Product: Checking or savings account

On  XXXX   XXXX   2017 , I made a deposit into o ur US b ank account from our  XXXX   XXXX  Account, both accounts located in Arizona total deposit  XXXX . I checked our account to find the deposit listed as other balance adjustments  XXXX . No explaination, no note, nothing indicating as to why??? I checked our  XXXX   XXXX  account and could clearly see that the check had cleared on  XXXX   XXXX ,  2017 . I called  US  bank, I was given the run around and told that fraud placed a hold, gave me the #  XXXX  and trasnferred me, they are closed on the weekends. I call back to customer service, response is that ca n't do anything, asked if I go to my branch can they release with the check showing clearly that the check had cleared  XXXX   XXXX , response, No sorry only fraud can help you quoteing Regulation CC. I called fraud this morning  XXXX  stating that the funds were not available from m y   XXXX   XXXX   account, untrue, check cleared same day, told me the hold was in place for 7 business days, I asked if I could send her the cancelled check, she said no, that I have to go to my local branch, what the heck is going on here. I said that is my money, that I have revceived no notification that they legally  have to send to me, I said I wanted a copy of what ever documentation the fraud department had that stated the funds were not good, she could n't give me that, she hung up on me. Now I have to wait again and contact the local branch at  XXXX   XXXX , This is criminal as far as I am concerned, we have been good customers at  US B ank, now to be treated like I am a fraud is beyond comprehension, Banks should not be able to treat customers that are trusting their money with them this way.
Product: Mortgage

On XX/XX/XXXX, I went into PNC Bank to let them know I was selling my home and the lien they have on my home needed to be released. The loan in question had a XXXX balance and had not been used in years. 

After contacting PNC Bank Customer Service numerous times via phone and in-person, contradicting information was given to me during each conversation. On XX/XX/XXXX, I received an in process letter from PNC indicating the appropriate mortgage documentation has been or will be sent to the County to release the lien on my home. 

As of XX/XX/XXXX, the XXXX County Clerk of the Court indicates the documents have not been recieved and the lien therefore has not been released. 

Our interactions with PNC Bank have been difficult and contractictory. All the representatives we have interacted with at PNC BANK have been unprofessional and inept.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later th
an 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. I've attached my FTC and Police Report for your reference. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Vehicle loan or lease

I have had my {$430.00} auto loan payment with car max finance for 2 and 1/2 years and up to XX/XX/2020 I have been current with my payment. Due to coronavirus impacts I have been unable to work and have depleted my savings paying rent buying food and making my car payment so I have {$0.00} money left and since XXXX have fallen behind on my rent and car payment. I reached out to car max asking for some help letting then know I was unable to make my XXXX payment due to work problems related to covid 19 and if there was anyway to get some help or delay my payment. I spoke with a representative in XXXX asking for help and letting them know my finances and I was told due to no form of income they would bot help me ... .which makes zero sense because if i was able to find work why would I need help putting off the paymet? The people who need help are the ones being effected by the coronavirus and have lost jobs or are unable to find work due to the shutdown of the economy! It makes no sense that I can not get help because I have {$0.00} income at the moment but for the last 2 1/2 years been current with my payments! I need help so my car that ive worked so hard to pay on the loan for the last 2 1/2 years dose not get taken back with only a year and a half left of payments till I own it. Its sad that Car Max Finance cares so little about their paying customers that they are unwilling to help put off payments in this troubled time!
Product: Checking or savings account

I have a registered business in the state of Georgia and have several business accounts with Wells Fargo for a long time. Recently between XX/XX/XXXX and XX/XX/XXXX I had several fraudulent and unauthorized ACH debits from several of my business accounts and one personal savings account totaling {$190000.00}. We reported to the bank immediately and they did put money back for some small debits into some accounts but there are still approx. {$160000.00} of fraudulent debits they have not refunded. They have told me that the case is closed and they can not do anything with the above money. Wells Fargo does not have a specific person who is accountable and responsible to solve the above problem. They simply want me to go away. I have been a loyal customer for them since XXXX and have several business accounts and personal accounts with them. I need some serious help with the matter to avoid bankruptcy.
Product: Credit reporting or other personal consumer reports

I was in a forbearance contract with AmeriSave for 6 months due to loss of job and unemployment running out. My contract recently expired and due to getting a new job Im able to start to make my monthly payments. On my credit report its now showing that Im 120 deliquent and 30 days late. Which also incorrect. I've requested AmeriSave to fix the problem because when I was in forbearance there wasn't any negative remarks or getting my credit cards closed. Now my credit is XXXX. That being said, my 6 month payments are being tacked on to the end of my mortgage, so there isnt any deliqauent or late payments. I made my first payment in XXXX, and will be making another one in a few days for XXXX. I've never had XXXX credit and its really affecting my emotional tress level.