23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Filed XXXX bankruptcy. Credit report is either showing a Ch XXXX discharge or Ch XXXX discharge. I enclosed the correct item.
Product: Checking or savings account

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 due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settles with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please update and correct my accounts right away. 

XXXX, XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX
Product: Credit card or prepaid card

I bought white oak flooring with installation from a Merchant called XXXX XXXX XXXX for {$12000.00}. Floor was installed on XXXX and sanded and sealed on XXXX and XXXX. Citi Rewards card was used for this purchase and charge went through on XXXX to XXXX billing statement. In late XXXX to early XXXX the new wood floor started to warp and cup everywhere. Floor merchant was called back to house and they agreed to fix it because this damage happens due to a faulty installation. ( They failed to follow industry standards and check job site conditions by assuring that the moisture level in new purchased wood was acclimated to house subfloor ). I called Citi Rewards card to get information on possibly filing a dispute. I called 2 times and was told by customer service that with this service, I had one year after billing date to dispute the charge and they said that if my dealings with letting merchant fix issue were unsuccessful then they gave the the date to dispute charge by. 
I worked with the merchant and they did one or two attempts to fix issue and then I wouldnt hear back from them for up to 4 months at a time. Meanwhile, floor is still cupped and warped. My issue is that I purchased a NEW product and their fixing it would leave me with a refurbished product. 
I called Citi by the deadline to initiate the dispute and was told that I could initiate it by XXXX so I submitted my original dispute and I got a letter stating that they opened a dispute on XXXX ( which I was told by representatives from Citibank that I had to have it done by end of XXXX. They then opened another dispute on XXXX XXXX in which I provided all the dates and facts and other merchant opinions proving their faulty installation. 
I then heard from Citibank Rewards card that the dispute should have been made within 60 days. That is hard to do with wood floor installations because warping sometimes takes longer than 60 days to show. At any rate, the fact is that I was told by two different Citi representatives of the date that I needed to dispute charge by and it was 1 year after the charge ( one year plus next billing cycle after charge was made, NOT 60 days! 
I requested that they go back over the recorded phone conversations that I had with THEIR employees to prove what I was told. They need to be accountable for what they tell customers customer service agents with Citibank need to be educated and trained on company policies. I should not be held accountable for their incompetence. 
I am seeking my refund that was requested for this purchase using My Citibank card and it it has to come out of Citi funds itself because their employees have false information then so be it. 
Please help with this situation. Citibank has all the dispute documents, contracts and backup merchant opinions and wood floor guidelines and Wood floor association standards that I submitted for proof of failure of my purchase with the merchant.
Product: Mortgage

I received a rate increase letter on XX/XX/XXXX from SPS Servicing regarding and escrow shortage and interest rate increase by XXXX points. The amount indicated as my current payment was incorrect. They calculated the increase based on an old payment. Old payment was {$3500.00} and I was actually paying {$3800.00}. Their amount was {$320.00} less than what my actual payment was and what I had been paying since XX/XX/XXXX. Consequently, the escrow and interest increase was also calculated much higher. My new payment dues on XXXX is now projected as {$4400.00}, which is an additional over {$600.00} increase. I called and then sent them a certified letter on XX/XX/XXXX. I have called them many times and they keep stalling on a response. Their reps are not helpful nor will they allow me to speak to a manager. On my last call, they advised me that I would get a response on XX/XX/XXXX which is a day before the payment is due. I don't think it should take 2 months for a response when I continue to receive other communication from them. This has been done to me in the past as well and I have brought incorrect calculations to their attention. I feel like there are some shady practices with this company. I have seen several other complaints about them and would like to make other consumers aware. I had no choice as XXXX sold my mortgage to them.
Product: Credit reporting or other personal consumer reports

Experian continues to improperly put the wrong name on my credit report. I have sent them via certified mail the proper credentials ( Driver license and Passport ) with my proper birth name. The continued acts of putting the wrong name on my report is a violation.
Product: Vehicle loan or lease

I have a car loan at toyota financial the original and starting balance is {$43000.00} last XX/XX/year> and each month i paid {$1000.00} which is a total of {$8000.00} that i paid already since XX/XX/year>- XX/XX/year>. And I calculated the the remaining balance must be {$35000.00}. But stil the bill is {$38000.00} and they didnt deduct the {$1000.00} every month that i paid. I contacted them sent mail through account and i didnt get the right explanation. Please help i have felt so stress and burdened that i couldnt solve this problem myself. They woudnt help me. Attach files are evidence. The original amount, the payments i made, and the balance remaining.
Product: Credit reporting or other personal consumer reports

I contacted TransUnion regarding an account that was identity theft, and provided them with with the FTC identity theft reports and asked to to remove and block the account per FCRA-605b and they have failed to comply with the request
Product: Credit reporting or other personal consumer reports

XXXX Account # XXXX, I just viewed my credit report and notice that an item was turned into a charge-off. I never received a 1099 and was wondering could you please send me a 1099 for the alleged item that is reporting as a charge-off on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is where I am today with  XXXX    XXXX   XXXX  , Equifax   XXXX   XXXX  ,  XXXX    XXXX   XXXX   very frustrated. I called and told them this. I did not authorized these accounts. Same accounts have been unverified and there is NO Contract.     I also said dont know what else to do. When the representatives said to just keep calling the credit companies. So, I sent 609 letters to dispute felt a since of no worries but have sent two rounds of 609 letters. Ready to send a third round of letters.     I have called these companies ;  XXXX   XXXX   XXXX  {$300.00},   XXXX   XXXX   XXXX  {$400.00},   XXXX   XXXX   XXXX   XXXX  - {$310.00} and   XXXX   XXXX  - {$300.00}.  Reporting  closed  Collection  accounts but currently open and over credit limit by {$1.00}, derogatory remarks, late pay and a s Charge Offs/  Bad Debt . All negatively reporting.     It was stated in their responses to my  2 di spute letters that you have verified that the items listed are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. To show my signatures on Contracts. The fact they have ignored my request to send me copies of the documents that was used to verify the disputed accounts is evidence that they cant and did not verify any of the disputed accounts like they said would happen.     Failure to delete and remove the disputed accounts that they cant verify after two written requests is also telling me the evidence of their willful disregard of  Federal Law.  The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and a  Court  will order you to delete them.     You say that you have reinvestigated these accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of  1681 ( a ) ( 4 ).      I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation o f Federal Law an d evidence of your willful disregard of the law.     Please be advised that under Section  611 ( 5 ) (  A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I am requesting that they do this immediately.     The law is very clear as to the civil liability and the remedy available to me  ( Section 616 & 617 ) if you f ail to comply with  Federal Law. I  am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand that you delete all of the accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted.     This is my complaint and demands.
Product: Checking or savings account

I filed a dispute with Chime regarding multiple unauthorized transactions on my account XX/XX/year> in the amount of {$610.00}. Less than 24 hours later Chime reached out to me stating the investigation into my dispute claim is complete and they found that no error occurred and deemed the investigation closed. Upon hearing this, I filed a rebuttal and asked that they re-investigate my dispute claim and I informed them I would be submitting new information in the following days, however before I was given ample time to submit my new information they reached out to me stating they finished their re-investigation and once again determined no error occurred. At that point I filed yet another rebuttal and submitted new documentation to support my dispute and was once again denied on my rebuttal, however after multiple rebuttals on a different dispute and providing the same exact supporting documentation Chime suddenly reversed some but not all disputes transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to log into my Experian account and it no longer exists. Then I called MULTIPLE PHONE NUMBERS for Experian and I could NEVER get a live person to talk to. In addition to this, It would supposedly let you freeze your account over the phone and UNFREEZE your account over the phone ... however, that is INACCURATE. It will not let you do that. They are horrible and should be put out of business or held accountable for the mismanagement of the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : XXXXXXXX XXXX XXXX # : XXXX, Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX ) # : XXXX, Account Name : XXXX XXXX # : XXXX, Account Name : XXXX XXXX # : XXXX, Account Name : XXXX XXXX XXXX XXXX  # : XXXX Account Name : XXXX XXXX # : XXXX, have 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: Debt collection

the amount is for about XXXX.. It is on an account I do not have.. I also have a letter for the company stating it has been resolved, but the keep calling.. Sometimes 7 times a day different numbers from different stated and when I ask for there supervisor they disconnect.
Product: Credit reporting or other personal consumer reports

There seems to be identity theft going on with my Transunion credit report as someone tried to apply for a credit card with a banking institution named XXXX XXXX XXXX XXXX on " XX/XX/year> '' using my SSN and other details without my consent or knowledge. I would request this unauthorized hard enquiry reported on " XX/XX/year> '' to be removed
Product: Checking or savings account

XX/XX/XXXX I deposited {$500.00} in my bank account. Partial Cash and Partial Check. The cash cleared immediately while the check funds were on hold. Despite the funds being in my account on XX/XX/XXXX Citizens Bank charged me {$170.00} in overdraft fees and charges and refused to waive even one of those charges. This happens on a regular basis and they have charged me nearly {$2000.00} within the past year. Citizens continues to maliciously manipulate my funds in order to charge me additional fees. If for some reason I accidentally fall short I immediately put funds in there the following morning. Citizens will then immediately charge me an overdraft charge of {$35.00} and take whatever funds I deposited in my account. My ledger constantly changes and charges move up and down the deposit line how Citizens Bank see 's fit. They then blame it on the merchant. I go to the same places daily and deal with the same people daily. The merchants are not the issue here. Citizens Bank is the issue. They are the most deceitful bank I 've ever had the displeasure of dealing with. Their employees are extremely rude and unhelpful and I for one am tired of being treated like a second class citizen just so I have the ability to pay my bills online. I find their way of conducting business bordering on criminal and their fees are highly excessive. They manipulate your funds so that they can maximize the fees they charge you. So instead of one fee they will manipulate your funds so that they can charge you three instead. This company must be dealt with immediately.
Product: Credit reporting or other personal consumer reports

This morning, I discovered unauthorized inquiries on my credit report, and I have no idea how they got there. I checked my credit report as usual, but this time there were unexpected discrepancies. I even tried refreshing my browser, hoping it was a glitch, but the inquiries remained. Im asking for a thorough review of the documents Ive submitted so I can finally put this issue to rest and stop worrying.
Product: Debt collection

XXXX at the compliance department has still failed to produce my request for documents showing me they have given me the chance to dispute the debt and continues to be in willful noncompliance under 12CFR 1006.34 ( c ) ( 4 ) ( i ) this can also be found on the CFPB website under rules policies and regulations see https : //www.consumerfinance.gov/rules-policy/regulations/1006/34/. 

The XXXX  does NOT include the requested documentation of PROOF they have given me the chance to dispute. Resurgent Capital Services may want to know the Law in order to be licensed and do business. I will be submitting a complaint with the South Carolina state attorney general 's office.

Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Providing an attached credit application, bill statements, terms and conditions, and an account summary is NOT verification of debt in accordance with the Fair Debt Collection Practices Act because I have no contract with Resurgence or LVNV Funding LLC, nor can they produce one, the failure to provide a copy of the contract between them and the original creditor is further evidence of the deceptive practices of this company because that purchase document states that the information they are purchasing may be inaccurate. Let this be exhibit A for civil court.

Furthermore, my right to privacy has been blatantly violated, and this will be exhibit B used in civil court
please see 15USC1681 section 602 A. States I have the right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, Experian, and XXXX about having several unauthorized inquiries on my credit report. I asked them to validate or otherwise remove them because I knew they were not authorized and they sent me back a letter stating companies are allowed to run my credit even though I specifically told them I had not auttorized certain ones and had zeros knowledge of them.
Product: Debt collection

This debt from this medical facility should have been covered due to the fact of during these times I had XXXX and XXXX which shouldve covered for this charge and I should have not been charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, I requested an investigation with the credit bureau due to a bankruptcy being reported on my credit file. In XX/XX/2022, I was notified that XXXX bankruptcy was considered accurate. I then contacted the US bankruptcy court regarding this issue and was told they have not and do not ever verify debts with the credit bureau. So, if this is the case, how did the credit bureau verify the information reporting on my file is 100 % accurate. They never did a fair investigation according to the 15U.S.C 1681.

15.U.S.C 1681 section 603 ( 3 ) ( E ) states ; The term '' investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. However, such reporting information shall not include specific factual information on a consumer 's credit record obtained directly from the creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 
The credit bureau violated my given rights under 15 USC 1681 According to 15 USC section 602A I have a right to privacy According to 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.

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

I spoke with a rep from Transunion on the XXXX of XX/XX/year> in regard to having my job description deleted. i also requested that they add my current address and delete an address that I no longer reside at. 

They deleted the job information, yet did not enter my new address information. They even added an additional address that I don't live at.
Product: Credit card

I had paid off my Avant Card and a few days later tried to log in to check on my account. I was unable to. I received an email from Avant that my email had changed. I immediately called them to report that I had been hacked and to shut down this account. I was told they did and that there weren't any charges to my account. A few days later, a charge for {$500.00} appeared on my card to XXXX  XXXX in XXXX CA. That is NOT my charge. I requested to have it removed from my account. They would not. I was told there is no fraud department. That I had to wait 10 days to see if it drops off. If my payment becomes due by that time, I'm required to pay the minimum amount on a charge that's not mine in order to not destroy my credit. They refuse to help me resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not knowledgeable of any of these inquires and never authorized these companies to pull my credit. On XX/XX/2022 I called XXXX and XXXX in on XX/XX/2022 XXXX directly in received no help. Each company suggested I dispute directly with the companies, or file a complaint with FTC, and or file a police report. I have reached out to these companies by phone and neither one could provide me any information on where the information came from. Please see below inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Stellantis Financial XX/XX/2022 Inquiry from XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2XXXX 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 XX/XX/2022