23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I had fraud on my business account debit card.With in 4 days I had 2 Airline tickets purchased from XXXX. I reported them to Navy Federal Credit Union ( My bank ) but they are not believing me and this has caused my bills not to be paid because the account went overdrawn by this fraud and my bills got returned and in returned I get charged for the returned fees which cost me a lot of money for each of this bill. The most annoying is how they bounce my bills back when I had enough money in my account for my bills the previous day but they honor a fraud that was not even pending on my account.The shocking part was they adjusted my account transaction showing as if I transferred the money after the fraud happen and bills get bounced back. 
I am so angry, I have been trying to contact them but they are not helpful at all. I even let them know I will be contacting financial ombudsman.
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. 

Account Name : XXXX XXXX  Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or a 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 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: Checking or savings account

I requested how long for my funds to be returned because XXXX XXXX  charged me 5 times for 1 order. Bank of America rep told me yes, your funds will be returned in about 24 hours. I ordered XXXX XXXX XX/XX/year>XXXX  for {$34.00}. The bank or XXXX XXXX charged me 5 times for 1 order. Customer service rep told me on the phone that I am missing money but looking at the bank account this money the payment has finished processing and my money is still missing.
Product: Checking or savings account

Bank placed a hold on a check, did not post the balance to the ledger, applied an overdraft fee charge On an ACH payment. This happens monthly, and the banks excuse is it happens often so they justify continually applying fees and holds to my account. On an ACH payment. 

I believe all banks should be forced or limited to the federal interest rate because at this point they are participating in predatory lending practices.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Late Payment Under CFRA, CARES Act, and TILA Dear CFPB Members, I am writing regarding my account with XXXX XXXX XXXX account number : XXXX ) to request the removal of a late payment reported on my credit history, specifically in XXXX and XX/XX/year>. 

During the COVID-19 pandemic, I faced exceptional circumstances that impacted my ability to meet my payment obligations. Under the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, protections were established for consumers who experienced financial hardships due to the pandemic. This legislation aims to provide assistance to those who suffered setbacks during this difficult time. 

Additionally, under the Truth in Lending Act ( TILA ), I have the right to receive clear and accurate information about my accounts and the impact of delinquency on my credit history. I request that my circumstances be reviewed and that consideration be given to the removal of the aforementioned late payment, as it has significantly negatively impacted my credit score and, consequently, my ability to access credit in the future.

I appreciate your attention to this matter and look forward to your prompt response. I am willing to provide any additional documentation you may require to process this request. 

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

In accordance with the Fair Credit Reporting Act XXXX  Account, XXXX  XXXX and XXXX XXXX bankruptcy 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.
Product: Mortgage

I Mad my payment on time and they keep claiming they never recived it, and wast hours of my time, customer service is very very poor. asking too many questions and no help.
Product: Mortgage

Nationstar Mortgage LLC. is attempting to foreclose on my home using falsified documents. I will be attaching two Assignment of Mortgage documents which show fraud in the form of conflicting dates and locations. 
The first Assignment of Mortgage to XXXX, took place on XX/XX/XXXX in the state of XXXX. This Assignment of Mortgage was never filed at my local courthouse. The second assignment of Mortgage took place on XX/XX/XXXX in the state of XXXX. These conflicting Assignments substantiate the complaints which I have filed with CFPB previously, proving that XXXX did not follow the proper chain of title when the Assignment of Mortgage took place.
Product: Credit reporting or other personal consumer reports

I just looked at my credit report and was shocked to see the numerous amounts of errors listed. 

i notified the consumer reporting agency with multiple letters they have not fixed or removed these items from my report. 
I am writing to have you remove them immediately. 
experian, XXXX, and XXXX company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES :. IN GENERAL Subject to subsection ( c ) any consumer reporting agency

may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include. Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Legal Assistant and XXXX XXXX ( Legal Assistant ) to XXXX XXXX XXXX illegally reporting that XXXX XXXX XXXX ( XXXX, TX ) and / XXXX XXXX XXXX XXXX are creditors via a Texas Department of Public Safety letter. 

Neither XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, or Texas Department of Public Safety are lenders of money or insurance to me. None of the law firm 's lawyers and their insurance providers have represented me in any litigation and have never been hired by me for any attorney representation ; thus, should not be claiming to be creditors of any type on credit reports.
Product: Credit card

Chase offered XXXX bonus for booking through them. Points were to be awarded within XXXX weeks if travel. I booked and finished travel XX/XX/year>. I have called in 3 times. The first XXXX times I was told I qualified and would be receiving the points. The second time I was told the promo was XXXX weeks after their promotional period ends and to wait longer. The rep also refused to give me an email or phone number to continue to escalate. He refused to address the promo language and told me marketing sent this even when I referenced their marketing material. Chase is refusing to honor their own marketing promotion and misrepresenting their marketing material.
Product: Credit card

This is a follow-up to complaint XXXX, regarding the interest charge by Goldman Sachs Bank USA XXXX XX/XX/year>, for a payment decline which is unjustified. This complaint was closed at the request of the company without further cross examination. 

I found the company 's response on XX/XX/year> to be inaccurate and incomplete. I made the payment of {$2800.00} on XX/XX/year>, not XX/XX/year>, as stated in their response. And the interest amount of {$69.00} never appeared on the XXXX XXXX when I paid the balance. Additionally, I contacted my financial institution, Marcus by Goldman Sachs, on XX/XX/year>, and spoke with XXXX, who confirmed that there was no payment decline on XX/XX/year> and that there was no activity on my account between XX/XX/XXXX and XX/XX/XXXX when the payment was finally processed. 

If the payment had been declined on XX/XX/XXXX as indicated, there would be a record of that decline in my savings account 's history, which is not the case. I am also attaching the screenshot that show the funds were available on XX/XX/year> when I made the payment. 

Given this information, I am submitting this follow-up complaint and expect Goldman Sachs Bank USA to ensure accurate information and issue a refund.
Product: Debt collection

This was originally disputed when they contacted me last year. I was under eviction proceedings from XXXX. I had no idea, so as soon as I found out about it I hired an attorney and took care of it. The judgement was vacated prior to me moving out of the apartment. With the judgement being vacated, our lease was terminated and all obligations were therefore met. I had my attorney speak with Hunter Warfield after they refused sending me debt validation. He spoke with them in XX/XX/XXXX & XX/XX/2017  multiple times. They stated they were removing the account and it wouldn't be reported onto my credit report. I got a notification recently that as of XX/XX/2017 it is being reported to all XXXX bureaus in the amount of {$2300.00}. I have called repeatedly and they won't acknowledge anything unless they speak to my attorney. I have sent them multiple letters ( certified ) and emails with the order of the judgement being vacated. They are in violation of the FDCPA and not following the law. Please have them remove this from my reports as they have been in violation for almost a year. The next step is filing suit against them for violation and damages.
Product: Vehicle loan or lease

In XX/XX/XXXX I was asked to be put on the fresh start program due to laid off due to work decline from COVID affecting the company I work. After being placed on the program I was informed by first investor financial that I wouldnt have a payment due until XX/XX/XXXX. I made payment arrangements to pay XXXX at the end of XXXX. I received a email from first financial on XX/XX/XXXX to contact them because my car may be up for repro referral. My car was repossessed at the same time I received this email not giving me time to resolved the issue at hand. The car was repossessed on XX/XX/XXXX. I was also told that my car was scheduled to be repossessed since XXXX XXXX. First investor financial took and processed a payment for me on XX/XX/XXXX and then told me on XX/XX/XXXX that they cant take payments from me since my car was repossessed after already taking a payment from me on XX/XX/XXXX. I was informed by a first investor financial collection at the end of XX/XX/XXXX that I was in fact in the fresh start program and didnt have a payment due until XXXX and another in XXXX.
Product: Checking or savings account

I initially applied for a checking account with Citibank XXXX to deposit XXXX to receive a {$1500.00} bonus. The last step to open account was to provide a utility bill or lease agreement to provide proof of address, However, after learning that I would have to let my XXXX sit in account for 170 days without interest, I declined to send verification documents to let account not to be open. In fact, Citibank XXXX emailed me indicating I needed to complete this last step to create an account. Since then, I have received several emails indicating there is an account and I need to deposit money into it to keep it active. This is simply unbelievable!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card

I'm having difficult to unfreeze my security credit over 1 month have been calling them every day, still yet not show up
Product: Credit card or prepaid card

Zales Store re cently offered me a Credit Card ( issued by Comenity B ank ) at 0  % interest rate for 12 months. What they did not disclose was a fee of {$9.00} is applied to customers ' credit card for this offer.  <P/> On   XXXX   XXXX   XXXX    , I visite d Zales to p urchase a ring. While attempting to pay I was offered the option to get a store card for 0 % interest rate for 12 months ( instead of paying immediat ely ). The  application was submitted and approved for $  XXXX  by me giving the store rep my  SSN. Th e card arrived on  XX/XX/XXXX  and I immediately registered to view the account online. I noticed that in addition to the charge   ( for ~ {$1500.00} ) and extra {$9.00} was added for " Promo Fee ''. This fee was not disclosed at the time I was offered the card.
<P/>
1. On    XX/XX/XXXX , I called Comenity B ank ( the card issue r ) to inquire about the fee ; I was told that they ( Comenity Bank ) did not apply the charge and that I should contact  Zales 2. I visited Zales ( minutes later ) and they  stated the charge was not applied by them but rather, by Comenity Bank  3. The Zales rep wa s absolutely unaware of any fees being applied ( for  the 12-months 0 % APR option )  and opted to call Comenity Bank while I was at the store. Comenity Bank finally admitted that they applied the charge but needed a supervisor to reverse the charge. The supervisor finally came on the phone and flatly refused to reverse the charge.  <P/> As mentioned, this fee was not disclosed ; I would not sign up for a program that is offered at 0 % interest rate but charges {$9.00} monthly for the privilege of 0 % APR for 12 months. I have canceled the credit card but Comenity Bank insists on collecting the fee. Kindly assist.
Product: Credit card

XX/XX/XXXX I received a statement from Macy 's for charges made to my Macy 's American Express Card for XX/XX/XXXX. There were XXXX charges for XXXX. The charges were made to a new card which Macy 's issued having the chip. I had not used the card prior to these charges being made and the card was in my possession. I immediately called Macy 's to report the fraudulent charges. I received a letter dated XX/XX/XXXX and XX/XX/XXXX regarding this matter. Macy 's reported me as delinquent to XXXX and also asked for payment of undisputed charges. No charges were made by me on the card and the delinquent amount was for penalties and interest on the fraudulent charges. The matter was resolved by XX/XX/XXXX. However, it is my understanding that Macy 's should not have reported me as delinquent for fraudulent charges made to my credit card.
Product: Credit card

I was recently reviewing my credit report for a loan I was applying for and found a 30 day late payment reported to my account for the month of XX/XX/year>. I am not sure how this happened because I believe I made all of my payments to you on time when I received my statements. The only thing I can think of is that I didnt receive my monthly statement.
Product: Mortgage

Wells Fargo Home Mortgage requires an Automated Valuation Model ( AVM ) to remove our monthly PMI payment and requires the homeowner to pay for a new property valuation. The burden of proof for a property valuation reduction should fall to the party assuming this reduction. A current public valuation model assessment places our debt to equity ratio at 56 %. Wells Fargo Home Mortgage position on this matter is unreasonable and predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER REVIEWING A COPY OF MY ANNUAL CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ITEMS THAT WAS PLACED ON MY REPORT. THE ACCOUNTS DISPUTED ARE INACCURATELY PLACED ON MY CREDIT. PLEASE RE-INVESTIGATE AND HAVE THE DISPUTED ITEMS OFF MY CREDIT REPORT.
Product: Money transfer, virtual currency, or money service

Block inc due to inadequate customer service and unfair practices which violated the customer financial protection act Cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving account vulnerable and unprotected
Product: Student loan

This issue was NOT resolved. One of the issues was the interest rate. Navient alleges they had to charge the interest rates they charged in the previous years. The used the government regulation as a reason to charge these interest rates they charged. They can do better on the interest rate and the government is not opposed to this. Also their repayment plans are an insult and are set up to make you pay more than you can handle. These plans SHOULD be revamped.
Product: Credit reporting, credit repair services, or other personal consumer reports

A closed account is not supposed to be reporting balance every month. I have requested debt validation from transunion to validate XXXX XXXX XXXX and they keep verifying a debt without proper documentation to prove the balance reporting. I have submitted a fraud complaint to FTC for proper investigation as transunion cease to validate my dispute and without investigation. 

I recently received a response to a dispute ( XXXX XXXX XXXX  ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 
I am certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. 
I am very interested to learn how your investigators ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 
All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 
I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 
1 expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. Thank you very much, look forward to getting this resolved as soon as possible.
Product: Credit card or prepaid card

XXXX of XXXX charged me for the service I do not need this XXXX XXXX, I fought it for 9 months, finally on Step 7, the XXXX wrote me a check of XXXX XXXX but actually by now citibank asked for more than XXXX XXXX this morning I called citibank, their dispuing department lady say I should pay the difference, which is very unfair. At the beginning of this dispute, I told Citibank already, the proof is in their computer records of my citicard history which showed I disputed 2 times already successfully in year XXXX and year XXXX, they did not show the proof of this to XXXX, which caused me 9 months fighting with XXXX, and got only {$120.00} reimbursement, which is not enough to pay Citibank.
Product: Credit card or prepaid card

On XX/XX/20, I discovered my credit was charged for {$170.00} at XXXX  in XXXX. I live in XXXX, the geniuses at Goldman said I made the transaction but provided no evidence. I did not make this charge! My wallet was lost/stolen.
Product: Debt collection

This account was fraud it was approved to be removed they removed it by the documents I submitted no debt validation was sent to me, they put it back on my credit 2 weeks later 15 U.S code & 1681 they are being sued for refusing movable items right back on your credit after they verified it and removed it
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and remove from erroneous reporting in my file are listed on my credit report : AMERICAN CREDIT ACCEPT XXXX