23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Several attempts have been made since XX/XX/XXXX by contacting Navient by phone and in writing to resolve the inaccuracies with the payment history of my credit reports. I have followed up with them every 90 days and have found no resolution to this issue. Navient has made several 30/60/90/120 late payments reflecting that my payment has been late but I had my account continuously in forbearance due to financial hardship since they had ownership of my account. For the period of time they have me reported as late, my student loans was still with Dept of Education/XXXX. For some reason, when they merged accounts, it caused my accounts to be duplicated and incorrect. It seems as though the customer service representatives have no way of correcting this issue with finding pertinent information concerning the financial hardship request in there system. The inaccuracies starts as early as XX/XX/XXXX but my account did not transfer to Navient until XX/XX/XXXX and at that time I contacted them directly to notify them that I was not in position to pay my student loan debt because I was contemplating on filing for bankruptcy and I suffered with financial hardship dealing with medical problems, decrease in finances due to divorce and trying to maintain household expenses as a single parent. I'm asking for Navient to work along with Dept of Education ( XXXX ) to resolve this reporting issues. I found that some of my accounts has been updated but not all of them.
Product: Consumer Loan

On XXXX XXXX 2016, I received an online offer for GM Financial 's deferment program. I was approved for the program that would defer payments for XXXX 2016 and XXXX 2016, and apply them on the end of the loan. This would allow my account to remain in a positive status. I was advised that interest would continue to accrue, but the late fees would be waived. I accepted GM Financial ( GMF ) offer and agreed to pay a processing fee of {$270.00} by XXXX/XXXX/16. I paid the processing fee as agreed by the due date. I was approved for the deferment when my account was 28 days past due. However, GMF reported my account as 30 days past due status to XXXX. I contacted GMF on XXXX/XXXX/16 and spoke with " XXXX '' who advised me that this was impossible, as GMF has n't reported any updated account information to XXXX. Nevertheless, I disputed the late payment with Equifax on XXXX/XXXX/16 and XXXX/XXXX/16. The following is a timeline of GMF payment status changes to XXXX : XXXX GMF reported my account as " not more than two payments past due '' XXXX GMF reported my account as " Pays as agreed '' XXXX GMF reported my account as " not more than two payments past due '' XXXX GMF reported my account as " Pays as agreed '' XXXX GMF reported my account as " 30-59 days past due '' My account is being reported as 30-60 days late with XXXX and XXXX as well. I have disputed the error with them, but my account continues to fluctuate between a positive and negative status similar to XXXX. 

I have contacted GMF on the following dates regarding this issue : XXXX/XXXX/16 XXXX/XXXX/16 XXXX/XXXX/16 XXXX/XXXX/16 Each time, I have spoken with a different representative, each claiming my account is not being reported late. I received GMF " credit-reporting letter '' XXXX/XXXX/16. However, the account was still being reported as negative. Thus, I submitted a complaint to GMF complaint department five days later requesting the error be corrected and I be forwarded documentation regarding its resolution for my records. I have not received a response. The account remains incorrect. 
I am extremely frustrated with this process. I am unable to reach a resolution by calling, writing, or disputing. I am disappointed none of the GMF customer service representatives took the initiative to take ownership to correct the issue. I have not been 30-60 days past due as the deferment was approved prior to my account being 30 days past due. Any assistance would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

There was a dispute letter sent on XX/XX/year> informing Transunion of my intent to sue due to them failing to enter a notice of dispute for accounts previously disputed and stating that items were verified without proof of an investigation. I have attached the letter which is dated, and time stamped. Furthermore, I have requested your method of verification and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). I can demonstrate to a judge that these accounts are indeed inaccurate and that you have violated the Fair Credit Reporting Act by disregarding my requests for investigation. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. My attorney has been notified and we will be moving forward with a lawsuit if these items are not removed within 30 days. The following accounts are to be removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit card or prepaid card

The Card company ( Netspend ) has been taking money out of my accounts with them and when I try and dispute the issues they claim that I used the Card at previous stores then they told me to file a dispute claim with there online system and that I would have to wait 10 business days to get the money back to my account. When the 10 days had passed Netspend claims that there was no issue every time I made a dispute about any of the issues they never fixed it when I would see it on the online account portal they would remove it and there would n't be any traces of how they were taking out the money from my account. They claim that this is n't true but this is what happened. When I called there customer service phone number this morning to find out why my account had been locked and why my paycheck had n't been received yet the representative stated to me the account had been closed out yesterday afternoon at XXXX central time when I asked who closed the account the representative replied their risk department. I stated to the representative that I did n't request for my account to be closed and he stated to me that I am no longer eligible to receive or have a Netspend account and he kept repeating the same thing for an hour when I requested to speak to a supervisor the representative repeated the same thing telling that I am no longer eligible for a Netspend account and that the risk department closed my account without my knowledge or consent and when I asked the representative about what suspicous activity was going on with my account he would n't say and he kept repeating the same thing telling me that I am no longer eligible for any Netspend account and then I requested again firmly to speak to a supervisor he took an hour to connect me to a supervisor and the supervisor never picked up I was on hold for three hours and no one picked up no one resolved my issues they have been taking money out of my accounts for almost a year and this is a huge hardship because I have bills to pay for and a child to take care of. I ca n't by food for my child or my self. I ca n't even pay for transportation to and from work or even emergencies.
Product: Credit card or prepaid card

Complaint is in regard to Citibank XXXX XXXX XXXXXXXX ) credit card interest assessment. 

A balance of {$12000.00} ( APR 22.99 % ) which was due on XX/XX/2023 was paid in full, but two days late ( paid on XX/XX/2023 ), and was therefore correctly assessed an interest charge of {$360.00} on the following statement. 

The following statement balance, including the {$360.00} interest charge assessed, was {$11000.00} and was due on XX/XX/2023. This statement balance was paid in full on XX/XX/2023, six days before the due date. 

After paying the previous balance and interest in full prior to the due date, the current statement included an interest charge of {$310.00}. When I contacted Citibank to question how interest could be assessed on a balance that was paid in full and on time the previous month, they indicated that it takes two months for a late payment to stop accruing interest, regardless of a timely payment in full after the initial interest assessment. 

Upon request for a letter stating this banking practice and policy of Citibank, I was informed that they could not provide a letter, and that Citibank was within their legal rights to assess interest in this manner. This is not a banking practice that I am familiar with and defeats the purpose of preventing additional interest charges by paying the amount due, in full, prior to the due date. 

For convenience, I use my credit card for all personal transactions, and pay the balance off every month. I do understand the ramifications of a late payment in regard to interest assessed, but assessing an almost identical interest for two months in a row on a paid in full and on time balance doesn't seem to fit any model for consumer protection. 

Can provide detailed documentation upon request through secure link, but prefer not to attach below as part of this submission.
Product: Credit reporting or other personal consumer reports

I have communicated with these companies on multiple occasions in regard to the accounts listed and I have been ignored, so I was informed that I should contact the CFPB to file a complaint that my right to privacy has been violated.

According to the Fair Credit Reporting Act, 15usc 1681 ( a ) ( 4 ) the consumer reporting agencies are to exercise their responsibility with fairness and respect a consumers right to privacy.

Pursuant 15usc 1681 ( b ) the consumer reporting agencies are required to adopt reasonable procedures to meet the needs of commerce for consumer credit, in a manner which is fair and equitable to the consumer, regarding confidentiality of information. Also, The Privacy Act of 1974, as amended, 5usc 552a prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual.
Product: Credit reporting or other personal consumer reports

THIS CFPB COMPLAINT HAS BEEN FILED PURSUANT TO FCRA 605 B OR 15 USC SUBSECTION 1681 ( C ) ( 2 ) THAT YOU, EQUIFAX, XXXX XXXX APPEARING ON MY CONSUMER CREDIT REPORT THAT IS A RESULT OF IDENTITY THEFT AND FRAUD WITHIN 4 BUSINESS DAYS OF YOU RECEIVING THIS COMPLAINT.THIS FRAUDULENT AND INACCURATE INFORMATION CONSIST OF XXXX XXXX XXXX # XXXX. THIS ACCOUNT HAS RESULTED IN A COLLECTION APPEARING ON MY CONSUMER XXXX CREDIT REPORT. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNT AS REPORTED BY YOU, WAS NOT OPENED, MADE OR INITIATED BY ME. THE ACCOUNT WERE INITIATED BY FRAUD. I HAVE ATTATCHED A COPY OF MY FTC IDENTITY THEFT CRIMINAL COMPLAINT # XXXX AS PROOF FROM THE U.S. FEDERAL TRADECOMMISSION. THE AFOREMENTIONED CONSUMER CREDIT ACCOUNT IS A RESULT OF IDENTITY THEFT AND FRAUD.
Product: Checking or savings account

I deposited two IRS refund checks totaling {$28000.00}, into my checking account at a XXXX Navy Federal Credit Union branch on XX/XX/2023, and was told by the teller that the funds would be available within 2 business days. The statement at the bottom of my transaction receipt stated the following : Amount of {$28000.00} will be held from your total deposit and will be made available for withdrawal after 1 business days ( XX/XX/2023 ). On XX/XX/2023, I visited the NFCU branch in XXXX XXXX, TX to inquire about my deposit and was told by a nice XXXX  man that the deposit was placed on a security hold. He indicated that if customers ask about their deposits, tellers are directed to tell customers that they have no control over the hold and that funds will be able after 6 business days from the hold. Which he did and he informed me that the deposit would not be available until next XXXX. I find this practice highly deceptive as had the teller warned me that I might not have access to my money for more than a week, I would have deposited my money into one of my other bank or credit union accounts. NFCU really placed my family in a serious bind by holding my money. I had obligations to attend to and could not due to this. I should have been told this was a possibility and given the opportunity to decide if I wanted to continue with the deposit or not. At a minimum, once the security hold was placed, then at that point I should have been afforded a courtesy text, call, email to let me know that funds availability has changed due to the hold. As it is, there was no regard for me or my family financial situation or and concern for what critical circumstances I may have required my funds for. This is terribly inconvenient, inconsiderate and insensitive to the customer. I will be moving all of my money to another credit union or bank.
Product: Checking or savings account

MoneyLion/XXXX is holding on to funds from an authorization charge from a cancelled order that should have been released by now. Its not right that theyre still holding on to the funds and havent credited my account back. Im very disappointed and I hoped that they would be able to help me out as I desperately need my funds very bad. For this company to be a credit builder company there are not helpful.
Product: Vehicle loan or lease

I'm writing to dispute the inaccurate information that appears on my credit report in relation to late payments reported by XXXX XXXX XXXX. According to my records, there were no late payments made between XX/XX/XXXX and XX/XX/XXXX. These reported late payments are both inaccurate and harmful to my credit standing. 

Violation of FCRA ( Fair Credit Reporting Act ) Guidelines Under the Fair Credit Reporting Act ( FCRA ), Experian, as a credit reporting agency, is required to follow strict procedures to ensure the maximum possible accuracy of the information it includes in consumer reports. Reporting inaccurate or unverifiable information violates your obligations under the FCRA, specifically : FCRA 1681e ( b ) You are required to ensure that any information reported on my consumer report is accurate and up to date. The late payments reported by XXXX XXXX XXXX are inaccurate, and by law, it is your responsibility to conduct a thorough investigation to confirm the accuracy of this data. 
FCRA 1681i ( a ) ( 1 ) ( A ) Upon receiving a dispute regarding inaccurate information, you are required to investigate the disputed information within 30 days and remove or correct the data if it is found to be inaccurate or unverifiable.

FCRA 1681i ( a ) ( 5 ) ( A ) If the information is found to be inaccurate or can not be verified, it must be promptly deleted or corrected from my report.

Verification of Information Required Additionally, under FCRA 1681b ( b ) ( 2 ), I am requesting all documentation used to verify the reported late payments, including any information provided by XXXX XXXX XXXX. Furthermore, under FCRA 1681g, I am requesting copies of any information sent to me by XXXX XXXX XXXX at least 21 days prior to my due date as required by law, indicating a late payment or any such notifications. 

Non-Compliance with Legal Standards Failure to investigate and correct inaccurate information is a clear violation of the FCRA. Placing unverifiable or incorrect information on my consumer report is considered non-compliance, and I reserve the right to pursue legal action if this issue is not resolved promptly. Please be aware that under FCRA 1681n, non-compliance with these provisions may entitle me to damages, including attorneys fees and costs, for willful non-compliance. 

Immediate Action Required I am requesting the following actions to resolve this matter : Immediately remove the inaccurate late payment entries from XX/XX/XXXX to XX/XX/XXXX from my credit report. 
Provide me with all documents or information that were used to verify these late payments, including any records provided by XXXX XXXX XXXX. 
Conduct a thorough investigation into this matter and provide me with a written statement of your findings. 
Please treat this letter as a formal dispute under the FCRA. I expect to receive a confirmation of receipt of this letter, along with an investigation and resolution, within the 30-day window required by law. 

Thank you for your prompt attention to this urgent matter. I look forward to a swift and satisfactory resolution.
Product: Consumer Loan

Delay of an average of 3 days between receipt and processing of my loan payment while allowing interest to continue accrue for that period. This extends the payoff of the principle on the loan by increasing monthly accrual of interest applied to the monthly payment. 
Have sent periodic payment via Certified Mail/Return Receipt Mail to track time between receipt and processing payment to get this average. 
Have spoken to Harley Davidson Financial Services on this, but they refuse to change the practice.
Product: Credit reporting, credit repair services, 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 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse 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, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX and account # XXXX, and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXXXXXX BANK and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account XXXX  XXXX XXXX XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX  Account XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account XXXX OF XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX  Account XXXX OF XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX  and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX AccounXXXX XXXX  XXXX XXXX XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXXt Account XXXX AND XXXX and account # XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account DEPT OF EDUCATION/XXXX and account # XXXX XXXX, account # XXXX, and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX  Account XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX  and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXXt Account, has violated my rights. 

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 an account with out my written consent. 

XXXX XXXX XXXX XXXX
Product: Checking or savings account

TD bank has been charging me fees on multiple occasions related to insufficient funds fees. They charge me return fees even if they have not paid the item or transaction which makes it very very hard to bring the account to positive. When I asked for a refund they claimed and allegedly stated that the fees are accurate. But based on the new memo released in XX/XX/2022, and if the Presidents executive order, junk fees are deemed illegal.They claim that businesses are not included in the junk fees waiver. Is that correct?
Product: Credit card or prepaid card

Date : XX/XX/18 Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX 
XXXX NC XXXX Experian Dispute Department XXXX. XXXX XXXX. 
XXXX, TX XXXX XXXX : XXXX XXXX. XXXX Act. # XXXX To Whom it May Concern, This letter is in response to your recent claim regarding XXXX XXXX XXXX Act. # XXXX which you claim is a Negative status. The account is and has been paid in full. 

By not replying in a timely manner to my initial letter, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws, I further remind you that you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in small claims action against your company. 

I would be seeking damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX 
XXXX, NC XXXX Social Security number : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC. XXXX XXXX XXXX