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

XXXX INQUIRIES WAS RECENTLY UNAUTHORIZED WITHOUT MY CONSENT OR KNOWLEDGE WHICH IS A RESULT OF IDENTITY THEFT. TRIED CALLING ALL XXXX CREDIT BUREAUS ( XXXX, EXPERIAN AND XXXX ) WAS INSTRUCTED TO FILE A CFPB COMPLAINT AND UPLOAD REPORT ALONG WITH IDENTIFICATION. KNOWLEDGE WAS MADE WHEN MY LOAN OFFICER INFORMED ME DURING A CREDIT CHECK BEFORE MY TENTATIVE CLOSING DATE. 

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

On XX/XX/scrub>XXXX XXXX XXXX  I contacted XXXX XXXX, XXXX, and Equifax letting them know that I wished to opt out of reporting the accounts below on my credit report per 15 USC 6802b, 16 CFR 313.7a, 12 CFR 1016.7a ( 1 ) ( 2 ). As of today, no one has responded to me in writing. This was a formal NOTICE that the consumer, requires all 3 bureaus to cease the reporting of certain accounts on the Consumers report. This NOTICE directly requires all 3 bureaus to provide proof, the consumer was provided/presented and signed/authorized the required disclosures, which explains consumers right to OPT OUT, per my rights under : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a report, and this is an extension to that report. My complaint was that Discover Student Loans had made three changes within ten days to my credit report despite no changes occuring. I believe this to be in retaliation to my dispute and request for validation of information. I believe Discover Student Loans is acting in a malicious manner because I have asked for information within my rights.
Product: Checking or savings account

I own a side by side duplex ; I reside in one side and rent the other side. My current Tenants have been there going on three years. They have always paid their rent on time. I have my mortgage and several checking accounts with Wells Fargo Bank. Years ago, at Wells Fargo 's suggestion, I opened a checking account dedicated to receiving rent from Tenants. My husband and I have owned this property since XXXX and have had other long term tenants. Especially with XXXX XXXX I've had the tenant deposit rent into this account. Last month the XXXX check my tenant had alerted me that he learned his paycheck deposit was Pending and didn't clear in time before he deposited his rent check into the Wells Fargo account. It was returned as NSF. The amount of the check was {$1800.00}. So the check was returned I was assessed a {$12.00} fee and he wrote me a new check which I deposited via Mobile Deposit into my main XXXX checking account without any issues or delays. On XX/XX/XXXX, My tenant advised me that he'd deposited the XX/XX/XXXX rent check. I got a notice the next day on Saturday XXXX that the check was on hold until XX/XX/XXXX. My tenant said he had verified funds prior to writing me the check and depositing it and in fact called his credit union XXXX XXXX XXXX XXXX while I was on the line with him. We both spoke with XXXX XXXX XXXX who confirmed that funds had in fact been immediately available. The deposit slip provided to me showed that the tenant received his deposit after XXXX XXXX ; he did not try to deposit the rent check with Wells Fargo until XXXX pm that day. Yet Wells Fargo has continued to insist that the ten day hold was due to NSF ; A note in the electronic notice I received said that Wells Fargo had placed the hold based on a report from XXXX XXXX XXXX XXXX XXXX, ( XXXX, a third party vendor ) that suggested Funds " May Not be available ''. My tenant and I asked Wells Fargo to verify funds with XXXX XXXX XXXX, yet Wells Fargo insisted they couldn't reach XXXX to verify funds. I went into the Wells Fargo branch and a banker tried to assist me by calling Wells Fargo Loss Prevention department which placed the hold. My banker was on hold with his Loss Prevention department for 45 minutes. He has been diligent in trying to resolve this, but so far, without success. The hold notice showed that the hold was placed based on a report from with Wells Fargo. At the Wells Fargo Banker 's suggestion, I asked my tenant to obtain a written statement from XXXX that the funds were available. He did so XXXX and I delivered it to Wells Fargo. The hold is still in place until XX/XX/XXXX and none of the funds is available despite my tenant 's attempts to show that the funds have been available. Although the initial deposit slip showed that {$220.00} would be immediately available, in fact, my balance showed that none of the deposited amount is available.
Product: Checking or savings account

Bank of America 's debit card broke and I lost access to my funds so I authorized a transfer of my funds to the Simple account on that day, XX/XX/2018. Bank of America broke the law by delaying my transfer to XX/XX/XXXX despite being required to initiate the transfer immediately after the banking holiday. Bank of America refused to expedite this transfer and refuses to reverse my monthly maintenance fee in atonement for their crime. They lied by claiming the transfer request came through on the 3rd when Treasury regulation simply demands instantaneous responsiveness. BofA has, in offense to the MOVE YOUR MONEY movement, done this to countless customers and should pay heavy penalties.
Product: Checking or savings account

About three weeks ago, I reported a fraudulent transaction. I never heard back. When I called them today, XX/XX/21 around 4:15-430pm XXXX time, the male ( possibly XXXX rep ) told me Wells Fargo could do nothing because a XXXX party initiated the fraudulent transaction. 

When I asked to speak to a supervisor, the rep who was upset. Then he proceeded to put me in a queue for regular/normal Wells Fargo XXXX XXXX This caused me to wait another 10-15 mins. When someone finally picked up, again, they put me thru to Claims so I could be on hold again. 

But basically, there's a fraudulent transaction that Wells Fargo refuses to do anything about.
Product: Credit card or prepaid card

During the COVID - 19 pandemic, I attempted to make my regular on-line payment and had been 'locked out ' of my " XXXX  '' App, and " on-line '' access to my credit card account. ( due to security reasons ). I contacted customer service via their toll-free XXXX #, and attempted to resolve any unresolved issues. I was notified that to continue, it would be mandatory that I submit an " I.R.S. consent form 4506 - T. '' I declined, and requested my DISCOVER credit card, and account be CLOSED immediately ... 

XX/XX/2020
Product: Credit card or prepaid card

Dear XXXX XXXX, XXXX XXXX XXXX XXXX XXXX On XX/XX/2019 I submitted an online application for an XXXX  XXXX  Visa XXXX card. I applied for the account using the address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. I had moved to XXXX  for a year-long secondment with my company, XXXX, but retained my residence at XXXX XXXX XXXX XXXX XXXX. At the time I registered, all my billing addresses were in XXXX XXXX, but my shipping addresses were in XXXX. If there was any way to clarify that in your online registration process, I would have informed you at which address I would have preferred to receive my mail. 

From XX/XX/2019 through XXXX XXXX  monthly billing statements were mailed to the aforementioned XXXX, NY address. Is it correct to assume the XXXX statement would have gone out mid-month, on XX/XX/XXXX? On XX/XX/2019 I opened my first correspondence that I received from your organization. Can you imagine my surprise when I opened my first communication from your company to see that you already served me + {$100.00} in late fees? 

As a customer, I have the right to be notified, informed, and given the opportunity to settle my balance prior to being hit with late fees. Your duty to communicate with your customer doesnt end when you stamp and send a letter, your customer needs to receive that letter. My credit score has since dropped from above XXXX to XXXX, because of this miscommunication about billing/mailing addresses. I request that you acknowledge that I am a responsible credit card customer, that I paid for my purchases at my first opportunity, and undo whatever your organization did to impact my credit score. 

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

Screening Reports, Inc as a financial institution did not disclose to me my right to opt out of the disclosure of my nonpublic information. I was not given the opportunity to opt out the disclosure of my nonpublic information and I wasnt given any directions on how to exercise my right to opt out of said disclosure of non public information in accordance with 15 U.S.Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ). Screening Reports, Inc is in violation of 15 U.S. Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements. Remove my information from your company 's database or I will be seeking litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account payment history is inaccurate and in violation of the FCRA because XXXX  is reporting account XXXX XXXX payment history reports XX/XX/XXXX 90 days past due when transunion is reporting XX/XX/2019 current this is factual and is inaccurate and this account needs to be deleted from the report. the account status says 120 days past due but the reported balance says XXXX as inaccurate and is in violation.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found a late payment on the dates below : XX/XX/2017 a 30 day late was recorded I am not sure how this happened, I believe that I had made my payments to you when I received my statements. I also believe that my card is or should have been set up on auto-pay. My only thought is that my monthly statement did not get to me.
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 lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar 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

XX/XX/2022, I went through fraud with XXXX. I spoke with the company and they were able to credit me back the amount and remove this off of my record. With this being fraud can I please get the hard inquiry off of my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

Originally I contacted XXXX XXXX on XX/XX/2021 with an Cease and Desist for them to stop violating my consumer rights, by posting late payments on my credit report, sending me bills witch are in a positve balance and using deceptive means to make me believe I owe a debt. They were harrassing me and causing me mental stress. XXXX XXXX responded by closing my account and illegally reporting negatively to the consumer reporting agencies. I also sent them an Affidavit of Truth with my Exhibits on XXXX. They never repsonded to my Affidavit with an Affidavit which now puts them in Default. On XXXX I sent them a 2nd Affidavit with Exhibits and an invoice for federally violated consumer rights. Im demanding that they give me my specified remedy and pay my invoice. I will follow up with litigation.
Product: Credit card

I contacted Citi Bank to request lowering the conditions of my interest rate. 

It had been stated to me by the Representative that my Standard Rate was approved at 7.5 % apr and I was being charged XXXX and the rate could not be lowered. 

That is 21.99 % higher I am being charged interest. 

This is unheard of. I would never do this to a customer/ consumer while in the Finance Business.

There is no doubt this is gouging.and many others are experiencing the same. 

This needs to be rectafied asap.
Product: Money transfer, virtual currency, or money service

I requested a redemption of my share certificates from the PenFed Credit Union on Thursday XX/XX/XXXX. The next day, only 20 % of the money was deposited into my savings account. The other 80 % was reinvested into other CDs without my knowledge or authorization. 

After this frustrating error was solved on XX/XX/XXXX, I tried to link my savings account to wire funds to my XXXX money market account on XX/XX/XXXX. 

On XX/XX/XXXX, I was told by two security specialists ( after a series of several detailed questions regarding identity and double verification phone calls ) that the money would be wired immediately and the wire fee would be waived. 

Later on XX/XX/XXXX, while checking on the wire transfer, I tried to open my PenFed app and discovered that I was blocked from my own account. 

I spent 8 hours on XX/XX/XXXX talking tp several representatives who connected me to fraud specialists, security team members- and was asked to send SEVERAL documents verifying my identity to no avail!! I have sent the following 1. Drivers license 2. Selfie with my drivers license 3. Social security card For address verification, I sent.

4. IRS statements, benefits starrments from my job, XXXX XXXX bills and even a drivinf violation addressed to me with my mailing address on file 5. My aunts drivers license with the mailing address on file 6. My aunts car registration with the address on file 7. My aunts utilities bill with the address on file I live part of the year in XXXX so my US mailing address is at my aunts house. I was never told this would be a problem when I opened my savings account and CDs. In fact, that process took a total of 5 minutes. 

These are my hard-earned life savings. I WANT MY MONEY BACK.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Ss # XXXX RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiries that I find to be problematic. 
The inquiry in question was apparently made by XXXX XXXX XXXX XXXX XXXX, UT XXXX I contacted XXXX XXXX XXXX XXXX XXXX, XXXX and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
Please investigate this inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter,
Product: Checking or savings account

I have been trying to closeout my XXXX account with Citibank online since XX/XX/XXXX. I have called them around 8 times and most often they say they need to transfer me to another department and then I either sit on the phone for an extended period of time and get disconnected or no answers at all. On a few occasions I have gotten through to them and they say they will close the account but they don't. This account has less than a {$100.00} in it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Experian due to the inaccurate information that was being reported on my credit. I mailed my first dispute on XX/XX/2021 and certified mail receipts confirmed that it was received by Experian on XX/XX/2021. I never received a response for this dispute. I sent a follow-up letter to Experian on XX/XX/2021 and it was received by Experian XX/XX/2021.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report with Transunion I saw unauthorized credit inquires. I requested the wet in signature and the copy of the application. There are no accounts attached to the inquires that were made. I have requested these inquires be removed from my credit report as per 15 U.S. Code 1601. They have not been removed as of yet.

I will provide a copy of my credit report with the unauthorized inquires.
Product: Mortgage

On XX/XX/XXXX, I logged into my online account to make my mortgage payment, only to see that the payment due was now more than {$200.00} than it was on XXXX, XXXX. 
At first, I thought it might be some sort of penalty or other annual fees, because I hadn't received any notifications of a payment change. Checking my account showed no late, penalty, or other annual fees having been charged. Then, I thought it must be an escrow shortage, so I looked through all of the documents saved in my account ( it's set to paperless ), and found no notifications that I was going to have an escrow shortage or any break downs of account analysis. I then messaged the company via their online message form to ask them to explain the payment increase. 
Their response indicated that I would have an escrow deficit of ~ {$1900.00}. Given that my previous payment amount was {$1600.00}, and the new payment amount is {$1800.00}, I explained that the math wasn't working for me. The increase itself is ~ {$210.00}, which equates to an annual increase of approximately {$2600.00}, which A ) is far more than the deficit they're reporting, and B ) doesn't account for the portion of my previous payment that was already earmarked for deposit into my escrow account. I also asked if I should expect this new payment amount to take effect in 60 days, as I had never received notice or advice from them regarding the escrow deficit. 
Their response was to first post the escrow deficit notice dated XX/XX/XXXX to my account. Time stamp on the email notification I received advising me of the new document was XX/XX/XXXX. They then used the intercompany messaging portal to advise me that my payment was not increasing by {$210.00}, but by {$150.00} ( which would be a payment amount of {$1700.00}, not the current payment amount of {$1800.00}. They did not address the lack of notice at all. 
I fully understand the concept of annual escrow review and payment adjustments, but I object to the lack of notice, and it seems that they do not have their accounting straight and they are unwilling to explain or justify.
Product: Checking or savings account

On XX/XX/2021, I received an email stating my Citibank account was blocked due to " unusual account activity ''. Immediately, I called their Fraud Prevention Department XXXX XXXX option XXXX ). According to Citibank, my account was blocked due to inconsistent customer address and check address. 

My wife and I had recently moved from XXXX to XXXX after she accepted a XXXX  position in a hospital near XXXX. Hence, her payroll check showed a new address in XXXX  and not our original address in XXXX. We had not updated our address to XXXX  before depositing this payroll check. 

In order to unlock my account, Citibank asked me to mail in my address verification documents to an address in XXXX  ( Account Name, Account #, my rental agreement and utility bill were sent to Deposit Risk / XXXX, XXXX XXXX  XXXX XXXX XXXX TX XXXX ). Documents were mailed because there are no Citibank branches in XXXX. 

On the same day, I mailed my documents via USPS and later called Citibank in the following days to follow-up. Citibank claims they never received it. Since I did not have a tracking #, I went to XXXX on XX/XX/2021 and mailed another set of documents to the same address as above. The second set of documents were delivered by XXXX the next day on XX/XX/2021 ( can be verified on XXXX website ). 

Since the delivery, I have called 3 times to follow-up XXXX XX/XX/2021, XX/XX/2021, XX/XX/2021 XXXX. Citibank still claims to have not received my documents. 

- Citibank has refused to escalate my case. 
- Citibank has refused to assign a designated person to my case. 
- Citibank has refused to receive my documents via email even though the documents I sent in the mail are not original documents ( rental agreement and utility bill are scanned documents ).

- Citibank could have easily verified my wife is a XXXX XXXX with the state of XXXX, and easily understood that receiving a payroll check from a local hospital is reasonable. THIS IS NOT FRAUD. 
- Citibank has withheld my money for over 1 month and has not offered any additional assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX wont delete fraudulent inquiries on my credit report police report was sent and affidavit, inquiries are XXXX card svc XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX financial XX/XX/XXXX, XXXX card XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

Hello. I have already sent you letter about this account. This account never belong to me, I have no idea where is coming from. I believe that someone used my personal information. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other account that need to be UPDATED. The XXXX and XXXX credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX 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 a my file at XXXX and XXXX are 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 item 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. I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX, XXXX, PA, XXXX, BANK OF AMERICA XXXX Open Date XX/XX/2014 Balance : {$0.00}