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

This is an ongoing issue involving a fraudulent claim initiated on XX/XX/XXXX. The unauthorized charge took place on XX/XX/XXXX, totaling {$1500.00}. My personal information was compromised, leading to multiple charges across different financial institutions. We managed to resolve all claims with the other financial institutions except for the Navy Federal Credit Union. 

When I initially filed the claim on XX/XX/XXXX, the representative mistakenly categorized it as a disputed charge rather than a fraudulent claim. A few hours later on the same day, this claim and disputed charges were marked as resolved despite completing a thorough investigation. The standard investigation process at Navy Federal Credit Union typically takes XXXX business days to several weeks, but this swift resolution seemed out of the ordinary. 

I brought this issue to Navy Federal 's attention, and they acknowledged the filing error, advising me to follow up via their app 's message center for a review. They assured me that I'm protected under the Zero Liability Policy, which should provide a provisional credit while the investigation is conducted. 

On XX/XX/XXXX, I sent a message through the app message center, attaching supporting documents such as the FTC Report, a letter from my attorney, and a statement from the merchant confirming the need for a credit. I received a response on XX/XX/XXXX, assuring me of a provisional credit of {$1500.00}. However, I never actually received this provisional credit. 

Concerned, I reached out again on XX/XX/XXXX through the message center, only to be informed that the case was closed because no error had been found. On the same day, I filed an appeal, attaching additional documentation. Unfortunately, there was no response beyond an auto-message on XX/XX/XXXX. Frustrated, I contacted Navy Federal Credit Union, where a representative advised me to use the message center once more. On XX/XX/XXXX, I received a message stating that the appeal was under review, but there was no subsequent response through the message center. Instead, I received an auto-response letter in the mail, reaffirming that no error had occurred. 

Yesterday, XX/XX/XXXX, I called in and was directed to a specific team to address the issue. The representative suggested that I call back on XX/XX/XXXX due to the time zone difference. Today, when I contacted the bank, the experience was deeply unpleasant. The representative laughed, refused to transfer me to anyone else, advised me to involve the police, and hung up on me multiple times. This occurred despite my calm communication about the severity of the matter. Moreover, a supervisor in a recorded call acknowledged the initial claim 's incorrect submission but claimed they couldn't rectify the situation. 

I'm extremely frustrated and disheartened by the way I've been treated. As a loyal member of this financial institution, I expected better protection and assistance, especially given the legal documentation I've provided. This situation has left me deeply disappointed.
Product: Credit card or prepaid card

THANK YOU : I HAVE A PRESTIGE VISA CREDIT CARD BY REGIONS BANK. CREDIT LIMIT IS {$5000.00} AVAILABLE CREDIT IS {$1300.00} THE BANK DECIDED TO CLOSE MY ACCOUNT. THE ACCOUNT IS TILL OPEN BUT I CAN NOT USE THE CARD. I HAVE NEVER BEEN LATE OR BEHIND ON THE ACCOUNT. I HAVE A LINE OF CREDIT WITH THE SAME BANK FOR {$250000.00} OPEN AND IN GOOD STANDING NEVER LATE. PUT THEY DECIDED TO CLOSE MY ACCOUNT BUT I STILL HAVE TO PAY INTEREST FOR A CARD THAT I CAN NOT USE. I BELIEVE THAT THEY RIPPING ME OF FOR OVER A YEAR. 
I HAVE NOT FOLLOWED ON THIS BECAUSE I HAD TO HAVE XXXX XXXX XXXX XXXX. JUST GETTING BACK ON MY FEET AND AGAIN I HAVE NOT BEEN LATE ON MY ACCOUNT. 
THANK YOU AGAIN FOR TAKING A LOOK AT THIS MATTER. 
SINCERELY XXXX XXXX
Product: Debt collection

I called this company early XXXX to send me a verification letter when I saw a debt on my credit report. I was met with disrespect and threats. I was also getting calls all day long every day. XX/XX/2021 I sent a letter by certified mail asking for a verification letter and for them to only communicate through written correspondence. Their calls continued and debt was briefly removed and then re-added to my credit reports and I have yet to receive verification. The Fair Debt Collection Practices Act states that it is my right to have a debt that can not be verified within 30 days removed. It is long past the 30 days and this is damaging to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Prosper has agrees to settle my account and has been deducting payments from my bank since XX/XX/2017. They are still sending delinquent notices and reporting to the credit bureau incorrectly. I have contacted and emailed them and the problem still has not been fixed
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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have recently requested my LexisNexis consumer disclosure report several times online, several times via U.S. mail enclosing legible copies ( color printer printouts of high-resolution document photos or of corresponding documents on regular paper ) of my identity documents ( CA Driver License, SSN card, US Passport , PG & E Bill ), and at least once via phone ( by speaking with a live agent ). See copies of my personal identity documents attached.

Every time, I get a letter in the mail from LexisNexis stating that theyre either unable to process my request as theyre unable to locate information sufficiently matching my data, or that theyre unable to process my request as theyre unable to authenticate my identity. 

Ive gotten the following such letters recently, dated as follows : Date : XX/XX/year> Consumer Number : XXXX Case Number : XXXX Unable to process request Unable to locate information sufficiently matching my data Date : XX/XX/year> Consumer Number : XXXX Case Number : XXXX Unable to process request Unable to authenticate my identity Date : XX/XX/year> Consumer Number : XXXX Case Number : XXXX Unable to process request Unable to authenticate my identity Date : XX/XX/year> Consumer Number : XXXX Case Number : XXXX Unable to process request Unable to authenticate my identity Date : XX/XX/year> Consumer Number : XXXX Case Number : XXXX Unable to process request Unable to authenticate my identity Date : XX/XX/year> Consumer Number : XXXX Case Number : XXXX Unable to process request Unable to authenticate my identity
Product: Credit card or prepaid card

I purchased a roundtrip ticket using my debit card from XXXX XXXX in XXXX for the XXXX season. I ended up cancelling my trip because I called XXXX and asked if my trip was eligible for a refund. The representative told me it indeed was- after I gave her my flight information and so on. She told me to fill out the cancellation and refund request online. So I did. A few days later I get an email from XXXX saying they wont be able to refund me. 
I call XXXX and told them what happened and why I cancelled the trip and what their representative told me. They refused to give me a refund. I called them again later in the day and escalated to the problem to a manager. They refused, so I turned to my bank, Wells Fargo. 
WF was took all my information. I told them what happened they gave me a credit to my card and told me they would investigate the case. 3 months later and they have closed the claim and took the credit back.

Im a little lost on what to do here since XXXX representative told me I was eligible to a refund. I dont know what to make of WF decision since Im not sure they fully investigated the situation.
Product: Money transfer, virtual currency, or money service

I purchased some Litecoin ( a cryptocurrency ) through Coinbase on XX/XX/XXXX and the transaction has been in " pending '' status to this day XXXX XX/XX/XXXX ). I've sent 4 emails over the course of the last 4 months regarding this issue with little to no response.
Product: Checking or savings account

I initially opened the account, in branch, in XXXX XXXX, approximately in XXXX and had an off and on ongoing relationship with Charles Schwab checking, and brokerage accounts. Recently the account was re-opened, but then closed several days later under my previous login ID XXXX and connected to email XXXX. Now, I re-opened under XXXX and again the account was opened, and accepted, and at the point of funding, yet there seemed to be some challenge in logging in. I called the information line was informed that the contact information was changed ( i.e. the information I registered the account with just days before was not the information on file ). Further, I currently hold multiple similar accounts, and this is not a credit account, but instead a self-financed, non-credit, liquid account, it is absolutely XXXX, and " red-lining '' to prematurely close, after opening, and providing the opportunity to fund, and seemingly retaliatory, and discriminatory, as I submitted a note that I was concerned that my previous login, XXXX was taken, and could potentially be part of identity theft issues ( and other related concerns as I'm suing XXXX XXXX XXXX for similar, and perhaps related concerns ). See Austin v. Tesla, et. al. 3:20-cv-00800 ( currently in 9th Circuit ) analogous to {$160.00} XXXX  Dollar lawsuit won for Plaintiff in XXXX XXXX of California XXXX ( Very similar underlying causes of action, stated facts, and proof ), Chopourian v. Catholic Healthcare West , No. 2:09-CV-02972 ( E.D. Cal. Feb. 29, 2012. Also, similar concerns to Austin v. Atlina et al 4:20 cv 06363 ( Civil Rights, Retaliation, Aiding and Abetting ID Theft, Privacy, HIPAA violations, Fraud, Negligence Per Se, etc. ).
Product: Credit reporting, credit repair services, or other personal consumer reports

THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. I know that these accounts are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 
I have requested proof multiple times for incorrect status and balances. Please delete the following accounts : XXXX XXXX XXXX   XXXX XXXX # XXXX ERROR PLEASE DELETE XXXX XXXX XXXX # XXXX UNVERIFIED PLEASE DELETE XXXX XXXX XXXX # XXXX ACCOUNT NOT MINE PLEASE DELETE XXXX/XXXX XXXX XXXX # XXXX DUPLICATE PLEASE DELETE XXXX/XXXX  # XXXX DUPLICATE PLEASE DELETE XXXX  # XXXX WRONG BALANCE ERROR PLEASE DELETE XXXX XXXX XXXX # XXXX
Product: Credit reporting

There is misinformation on most of my credit reports and I would like it changed.
Product: Credit reporting or other personal consumer reports

These inquiries were unauthorized : XXXX XXXX Bank XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX  XXXX Via XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 2024
Product: Bank account or service

I am making a formal complaint against employees at the Bank of America Branch in XXXX XXXX XXXX XXXX. This was a bank I used to frequent but due do recent events I stopped going unless I had to.There have been at least 4 or 5 occasions where I came in to get help with an issue and was unsuccessful.Instead of getting help I got a laundry list of excuses of why they could n't or would n't I should say.Not to mention the attitudes of the employees there ( Especially the branch manager ) stink.There have been times where I 've seen some of the employees casually standing around or chit chatting among themselves while they have a long line of customers only leaving XXXX or XXXX tellers to deal with the frenzy.For the record I am not the only one who has gotten irritated by this as I can hear other customers at the branch complaining about the exact same things. Keeping in mind they boast about having excellent customer service but clearly have no interest in servicing the customer. It should also be noted I never have gone through as much of a hassel with any of the other BOA branches.
Product: Debt collection

This company does not have a surety bond in the state of Texas to collect this debt. Therefore, they are in violation of this state 's law, which is Sec 392.101 of the Texas Finance Code. I filed a formal complaint with the TX AG 's office.

I did not authorize any of my medical providers to disclose any of my personal or medical information with a third party or collection agency. My medical information is no longer undisclosed. I have filed a HIPAA complaint with the U.S. Department of Health and Human Services Office for Civil Rights Complaint Portal : Health Information Privacy. I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards
Product: Checking or savings account

Summary of the Problem : I have been a long-time customer of Bank of America XXXX where I set up autopay for my credit cards. On Sunday, XX/XX/2024, when I logged into my Bank of America account via desktop, I could not find the autopay option for my credit cards, which I had previously accessed without issue. 

Details of the Experience : 1. Initial Contact and Troubleshooting : I contacted Bank of America customer service and shared my screen with a XXXX, who confirmed that autopay was not appearing under the bill pay section for my credit cards. 
I was transferred multiple times and, despite being told I was being directly transferred to a XXXX, I was often sent to an automated messaging system instead, forcing me to start over repeatedly. 
I spent a total of 6 hours on the phone on Wednesday, XX/XX/2024, trying to resolve this issue. 
2. Inconsistent Information and Troubleshooting Steps : One representative suggested the issue was due to a different username on my account. Another suggested it was a browser issue and that I should download XXXX XXXX, which I did to no avail. 
I was then connected with another online bill pay XXXX, to whom I explained the entire situation again. During this call, I was informed that I had two usernames on my account. 
I requested that they delete the unused username ; however, the XXXX instead deleted my primary online account without my consent, forcing me to reenroll. This was not what I had asked for. 
3. Unresolved Issue and Further Delays : The XXXX then abruptly hung up on me. I had to call back and spend another hour explaining my issue to yet another representative. 
I was told that my account needed 24-48 hours to reset. I explained that this was the same advice given to me on Sunday, XX/XX/XXXX, and after waiting the prescribed 48 hours, the issue remained unresolved when I logged in on Wednesday. 

Summary of the Issue : Despite spending 6 hours on the phone and following all the instructions provided by Bank of America representatives, the autopay issue with my credit cards remains unresolved. I have been given inconsistent information and advice, forced to reenroll in my online account without my consent, and have experienced repeated delays. This has caused me significant frustration and wasted a considerable amount of time. 

Desired Resolution : I am urgently requesting that Bank of America resolve this issue immediately and restore my ability to manage autopay for my credit cards online. Additionally, I seek acknowledgment of the mishandling of my case and a guarantee that this issue will be properly addressed without further delay.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX To Whom It May Concern ; The reason for this letter is to dispute an unauthorized inquiry on my credit report. 

Made by your company XXXX XXXX on XXXX. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history. Therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above. 

For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act. 

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

I have attempted multiple times to use Experian online to permanently unfreeze my credit report but their online app and website always displays messages to me that the site isn't working, or their site will repeatedly request for me to submit a front and back copy of my ID then it rejects it and says it doesn't accept my type of ID. I have telephonically attempted to reach a human customer service agent all last week for over 2 hours at their phone number, but their system is set up AI style and makes it extremely difficult for consumers to reach anyone- the AI routed my call back to the main menu multiple times every time I said that I wanted to unfreeze my credit report. Further, I wrote a letter to Experian and sent it Priority US Mail to their po box and they still haven't responded.
Product: Mortgage

Third time Freedom Mortgage is attempting to force place expensive insurance. I have owned the property since XXXX the property is not in a flood zone. XXXX approved the elevation certificate and it has never needed flood insurance. Freedom has serviced the loan for 3 years and this has never been an issue. 2 previous servicers never required flood insurance. 

It is impossible to reach anyone at Freedom. Their customer service is awful. Call wait time are always over an hour. They are a nightmare to deal with. 

With Freedom it is a continuous cycle of trying to rip off mortgage borrowers. I now have to waste my time and effort to try and get this straightened out. My time is valuable too.

Enough of the scams.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : 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 XXXXXX/XX/XXXX
Product: Credit reporting

XXXX XXXX, 2016 Consumer Financial Protection Bureau XXXX, IA XXXX NEVER AUTHORIZED PEN FED TO RUN MY CREDIT AT ALL FRCA Violation On XXXX Reporting On XXXX XXXX, 2016 By Equifax I have noticed that you have placed one or more inquiries on my credit file ( s ). As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose for doing so since I did not apply for employment with your organization nor did I request credit from your organization. 

Please contact me immediately at the address listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. No. XXXX XXXX XXXX, CA XXXX