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

On XX/XX/2023, I made a deposit with two checks ( # 1 {$110000.00} & # 2 {$10000.00} ) from the US Treasury at a local Navy Federal Credit Union ( NFCU ) branch and per their funds availability policy the funds were made available to me the next business day. However, 24 hours after the deposit, and having made the funds available, NFCU opted to then arbitrarily put an extended hold on the funds and reversed the availability from my account. NFCU did this without warning ( an email was sent after the fact ). NFCU provided no factual rational that justified their actions, and I was told by an NFCU employee that the hold was placed because the checks had a high probability of not being paid, which made little sense as the checks were US Treasury checks.

NFCU 's policy does allow for extended holds to be placed on funds for up to 5 days. However, their policy does not state that fund availability is subject to reversal after an initial hold has elapsed and funds have been made available. NFCU was not acting in good faith when it released the funds and then reversed that release without any fact based rational, evidence, or indicators of fraud. By NFCU 's explanation and rational, a customer has no way to tell when the funds actually become available, i.e., the customer can not rely on the balance shown in their account at any time until 5 business days have elapsed after the deposit as NFCU can reverse the availability at any time without warning or proper justification.
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 15 USC 1681.has violated my rights. 
Account XXXXXXXX XXXX XXXX XXXXXXXX Account XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX 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 602A. states i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Medical Data Systems Owed {$2600.00} Opened XX/XX/2018 This debt doesn't belong to me. I've been calling them for months now & they will not answer so I can disputed it to get it removed off my report.
Product: Debt collection

{$73.00}. 

I have contacted multiple times as you see from the screenshots below. Multiple times. I have filed a detailed police report, I have filed and identity theft report with the FTC. I have shown and proven multiple times it is a fraudulent account no matter what data their system has, yet they refuse to let it go. At this point Im filing a complain with he state attorney generals office, with the CFPB, and I am speaking to a lawyer about possible legal action to pay for damages and my lawyer fees. 
Looks like they're about to lose more than {$73.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this 'creditor ' has and continues to violate a surplus of my rights under 15 USC 1681 sect. 602. They have not respected my right to privacy regardless of the alleged business done between both parties. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has failed to provide proof of my oral or written acceptance of this alleged debt which is in direct violation of 15 USC 1681 sect. 604 ( A ) 2 assisting clear violations of 15 USC 1666b, 1637b, 1681s2, 1681, FCRA, FDCPA, etc I've kept record of my certified letter assisting an notarized cease and desist letter which lawfully should have stopped all communication, reporting and infringement of my account. I've provided additional documentation, if helpful - expressing how their misleading information provided to my FICO report & their lack of compliance with FCRA rules is leaving me without a clear resolution and causing significant distress to my credit worthiness and hindering my ability to acquire essential assets. 

It is their responsibility to acknowledge these concerns arising from their incorrect reporting. I appreciate your urgent attention to this matter and look forward to a prompt and equitable resolution. Lack of resolution will leave me no other choice but to have the local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny in this matter, pending immediate relief.

In general, if your debt is canceled, forgiven, or discharged for less than the amount owed, the amount of the canceled debt is taxable. If taxable, you must report the canceled debt on your tax return for the year in which the cancellation occurred. They have not properly remitted my 1099c so I can properly do my taxes. Because all income needs to be reported and i refuse to be in violation due to XXXXXXXX XXXX XXXX unfair practices. Thank you, your cooperation is appreciated in advance.
Product: Credit reporting or other personal consumer reports

REQUEST FOR REMOVAL AS AUTHORIZED USER OF CREDIT CARD A/C TITLE XXXX, ACCOUNT NO. XXXX I hope this letter finds you well. I am writing to formally request the removal of my status as an authorized user of the Credit Card of Account XXXX. XXXX titled as XXXX XXXX. 

After careful consideration and review of my financial circumstances, I have decided that it is in my best interest to discontinue my status as an authorized user on the aforementioned Credit Card. I greatly appreciate the opportunity that XXXX XXXX  has provided me, and I am grateful for the positive experiences I have had as an authorized user. 

I understand that there may be necessary administrative processes to complete to remove me as an authorized user. I kindly request your assistance in initiating these procedures to ensure a smooth transition.

I am committed to ensuring that this transition is carried out in a seamless manner and would be more than willing to cooperate with any requirements from your end. I recognize that there may be a timeframe required for this request to be processed and implemented, and I appreciate your understanding in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus and creditors were first made aware of identity theft and inaccuracies on my report in on or around XXXX  associated with these fraudulent accounts loans. All accounts associated with this debt should have been reported as fraudulent. This discrepancy has thus been removed from only XXXX  out of XXXX of the credit bureaus. I am sending this complaint on behalf of both Trans union and XXXX for still reporting inaccurate information. I spoke with a supervisor from credit Bureau and was told back in XX/XX/XXXX that this would be removed however its still being reported. Since then I have filed XXXX separate police reports concerning this fraud and forwarded this over to the company and never got response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019, Credit Acceptance REFUSES to report to all 3 credit bureaus ( XXXX, XXXX  and XXXX   ) that my installment car loan # XXXX, is paid and pays as agreed.

Not closed- false information. Credit Acceptance NOT reporting accurately FCRA.
Product: Vehicle loan or lease

On XX/XX/XXXX, a XXXX XXXX XXXX XXXX valued at about {$16000.00} with XXXX miles was loan from XXXX XXXX and financed by The Hunington National Bank. The vehicle was marketed through deception by the sales associates at the XXXX XXXX XXXX. I test drove the vehicle for less than three minutes and was convinced by the sales associate that the vehicle was in a very good condition. I left the dealership with the vehicle at about XXXX XXXX on Wednesday XX/XX/XXXX and noticed that the transmission was bad. In less than an hour on the highway, I experienced trouble with the transmission. I immediately notified the dealer and the bank of the vehicle 's transmission problem. 

On the following, Thursday XX/XX/XXXX, the vehicle became undriveable and was towed in to the dealer for transmission problem. The dealer did confirm that the vehicle has transmission issue. At this point, I asked the bank to let me out of the bad deal because I sold the vehicle was sold under deception. The bank refused to let me off the auto loan claiming that I had already signed the agreement. I drove the vehicle for less than 24 hours when the transmission went bad. The vehicle was repossessed by the bank and auctioned for less than its value. 

The bank failed to notify me about the vehicle sale. I was only notified by mail that I have a balance on the auto loan of about {$5000.00}, which is been reported to all three major credit bureaus. I have contacted the bank on several occasions to remove the balance on my credit report. This negative report on my credit has caused enormous financial hardship that I am unable to get another auto loan. I implore the timely intervention of this agency to resolve this issue by removing the negative report on my credit file with all three major credit bureaus.
Product: Debt collection

I am writing with a heavy heart and a sense of desperation to request your understanding and compassion in a matter of significant financial consequence. I have been a loyal customer of SYNCB/CARE CREDIT for 8 years and have always appreciated the relationship we've had. Unfortunately, life has thrown an unexpected and devastating curveball our way. Recently, my family suffered the profound loss of a close family member, my beloved father. This unforeseen tragedy has not only left us emotionally shattered but has also brought about unexpected financial challenges. During this difficult time, managing the obligations associated with our [ Bank or SYNCB/CARE CREDIT account has become an overwhelming burden. I have reached out to your customer service representatives, and I must commend the empathy and understanding they have shown during our interactions. They have informed me about the possibility of a goodwill adjustment, considering the exceptional circumstances surrounding our situation.
Product: Consumer Loan

I took out an installment loan with Spotloan ( BlueChip Financial ) on or around XXXX/XXXX/XXXX in the amount of {$800.00}. They have debited {$130.00} twice a month from that date until late XXXX or early XXXX XXXX, at which time, they raised my payments to {$150.00} every other Thursday. My payments so far have totaled $ XXXX and I still have at least XXXX more payments left. Do I have any recourse with them in having them close my account and show paid in full? Or, dare I ask, receive some type of refund for paying such a high interest rate? In Oregon, there is a cap on how high of interest companies can charge on these types of loans. I had n't intended to pay so much more than my initial loan amount. I have not approached them yet to inquire about this directly. Rather, I wanted to find out my options. I want to clean up my credit and get to a point where I no longer need these types of services any more. But this loan has really put me behind in that plan.
Product: Money transfer, virtual currency, or money service

We have an account with WISE which had the accounts hosted at XXXX bank. 
WISE informed us on a very short notice about account number change. 
A large payment ( around XXXXUSD ) made on XXXX XXXX ( last day of account operativeness ) never reached us nor returned to the sender. 
We asked several times WISE to track the payments and revert but we've been told to wait and possibly ask the sender to inquiry. 
We are a XXXX and this missing payment is heavily affecting our business.
Product: Vehicle loan or lease

Nissan Motor Credit charges excessive interest rates on leases on their more expensive vehicles. I recently was arranging a lease on a XXXX XXXX XXXX edition for my wife and the interest rate was approaching XXXX  %. My credit score is over XXXX so it had nothing to do with my credit. I told them I was going to take the lease to my bank and they told me Nissan would not allow it. They also let it slip that they charge higher interest rates on more expensive vehicles because the customer can afford.it. I offered to pay a significant amount down to reduce the egregious interest and they told me that wouldn't really help and would only reduce my payment but would not reduce the interest. I would never have leased the vehicle except that my wife really wanted it. I have recently co-signed on leases on less expensive cars for my children from Nissan at much lower interest rates so this was a very bad experience.
Product: Credit card

This complaint concerns a recurring problem in which people like me find lost credit cards, but the credit card company makes it extremely difficult to report " found '' credit cards. 

I found a lost Chime credit card on the night of Saturday, XX/XX/XXXX at ( XXXX ) XXXX XXXX XXXX XXXX XXXX, California. 

Name on card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( name redacted for privacy ) with last four digits XXXX EXP XX/XX/XXXX I immediately phoned the " assistance '' number on the back of the credit card, XXXX. No live human being was available to answer inquiries from the public about found " lost '' Chime credit cards. A recording directed me to send an e-mail to XXXX I sent a message explaining the problem to that address on XX/XX/XXXX. 

To date, one week later, no one from Chime has acknowledged that e-mail.

I believe that there should be a statutory or regulatory requirement for credit and debit card companies to make it simple and easy for people to report " found '' lost credit and debit cards. 

The credit card refers to Chime Financial , Inc. It states that the card was issued by XXXXXXXX XXXX XXXX  pursuant to a license from XXXX XXXX XXXX XXXX All three of those financial institutions should be held accountable.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

In 2023 I requested information be removed from my credit report from experian relating to an account from XXXX XXXX credit card
Product: Money transfer, virtual currency, or money service

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft 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 available funds. I believe these practices are unfair and request an investigation into my account transactions. 
I want the CFPB to publish this.
Product: Credit reporting or other personal consumer reports

Request for Immediate Deletion of Charged Off Account Pursuant to FCRA Law Dear Sir/Madam, I am writing to formally request the immediate deletion of the charged off account listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ) Section 605, Subsection ( b ), reporting of delinquent accounts must be timely and accurate. Upon reviewing my credit report, I noticed that this account is still being reported despite being charged off. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Under FCRA Section 623, Subsection ( a ) ( 5 ) ( A ), it is mandated that information reported to credit bureaus must be accurate and not misleading in any manner. The continued reporting of a charged off account may misrepresent my current creditworthiness and financial standing to potential creditors and lenders. Furthermore, FCRA Section 611, Subsection ( a ) ( 5 ), grants consumers the right to dispute inaccurate information on their credit reports. As such, I am formally disputing the accuracy of this charged off account and requesting its immediate removal from my credit report. I kindly request that you investigate this matter promptly and provide written confirmation of the deletion of the charged off account from all major credit bureaus as per FCRA requirements. Please provide me with a copy of the updated credit report reflecting this deletion. Failure to comply with this request within the mandated timeframe may result in further action being taken in accordance with the FCRA. Thank you for your prompt attention to this matter. I look forward to your timely response. Thank you so much for your time.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX Balance {$920.00} XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Navy Federal have not updated their information from XXXX, which has falsely reported late payments on my account. I have uploaded documents to prove I was not late and my accounts should be updated. Theyve partially updated my account for the dates theyve reported late which still isnt accurate.
Product: Credit reporting or other personal consumer reports

The company XXXX XXXX is reporting a hard inquiry on my credit report without my knowledge or consent. They inquired on XX/XX/XXXXXXXX  and set it to continue until XX/XX/XXXX. XXXX XXXX is in violation of 15 USC 1681b- Permissible purposes of consumer reports. This code states a consumer reporting agency may furnish a report only under these circumstances. 1. In accordance with the written instructions of the consumer in whom the report relates. 2.They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act
Product: Checking or savings account

Wells Fargo XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX Dear sir, On XX/XX/XXXX of XXXX, I have received an email which asked me to register the account from XXXX XXXX XXXX ( XXXX ) ; however, currently, I do not have any accounts with your bank, Wells Fargo, as your cooperation has checked and reported to CFPB several times. To avoid the distrust, please do not send any email to the person, who is not a customer of your bank. Also, please remove the contact information, XXXX, which the above mentioned employee has sent the email. 
Sincerely,
Product: Debt collection

On Monday, XX/XX/year> at XXXX, I sent an email informing them that I had paid off my medical via the hospital portal and owed nothing. Detailed documents were sent over. 
On Monday, XX/XX/year> at XXXX, I sent an email requesting an itemized bill of the so called debt I owed, again sending evidence that I'd already paid my hospital and XXXX  XXXX  . 
On Sunday, XX/XX/year> at XXXX, I sent the message again for an itemized bill of the debt, along with proof of having already paid my bill. 

They have responded to none of the emails. I've spoken with them on the phone and even requested this information as well ( XX/XX/XXXX and XX/XX/XXXX ). I've already contacted the hospital and was informed on multiple occasions that I have no outstanding balances or collections from them and that this company ( Wakefield & Associates ) is not a company they work with. 

They stated that my bill may have been the separate XXXX XXXX ; however, as shown on the documentation I sent over, the XXXX  and hospital services were put on the same site and were fully paid.
Product: Money transfers

I used western union to transfer XXXX $ from my bank account in United States to bank account in XXXX on XXXX XXXX, 2016. I received email stating my bank has received the amount on XXXX XXXX, 2016. When i contacted my bank in XXXX they informed me that they have not received any amount. Upon calling western union on XXXX XXXX, 2016 they told me to wait for 3-5 business days for the amount to reflect on my XXXX bank account. After 3-5 days ( XXXX XXXX, 2016 ) when western union was contacted by me to know the status they informed that my bank in XXXX has rejected the transaction and therefore, a refund is being processed for that amount which should reflect in my United states bank account within 3-5 business days. I called western union again today ( XXXX XXXX, 2016 ), I was informed that my transaction was completed and the amount was infact deposited in a bank account in XXXX which did not belong to me. I confirmed the bank account number and IFSC number with western union which was infact correct. I do not know where my money is right now. According to western union supervisor a case has been filed for the refund on XXXX XXXX, 2016, when I requested for a case ID number or any proof, he informed me that we can not provide you with that information. He told me it takes 20 business days for the complained to be processed and another 20 days for the refund to reflect in my account. Right now, I do not know where my XXXX $ are at. Please help me.