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

I 'm on XXXX, when I finally won my case I needed a bank so I can have my checks directly deposited. I opted for a Netspend card, I thought I had researched it, but apparently not. The check I received from XXXX was {$75000.00} I had made some Purchases, then I noticed money was disappearing, charges were made from XXXX for a cell phone unlock thing. I do n't have a cell phone. Double charges, That was how I noticed I was being ripped off. I contacted Netspend, nothing, they hang up on me, tell me lies, I come to find out that its an offshore call center. The first thing they ask you is your SS #. There is so much to this., We finally got somebody from Netspend in the XXXX to talk to us, but then he gave us the run around. Lied to us, did absolutely nothing to help. He even said he would send me a copy of my account info, when he did they charged me {$5.00} for it. Bottom line is I 'm missing at least {$20000.00}. My family and I spend a year homeless because of my XXXX, we 're about to be there again. I need my money. All I want is my money back. If you check online on how many complaints there really are on this company, in the last month alone, its crazy and wrong. This company should not be in business.
Product: Credit reporting or other personal consumer reports

car was paid off threw insurance was stolen and paid in full XXXX XXXX XXXX XX/XX/year> was paid in full insurance XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> 2024
Product: Credit reporting or other personal consumer reports

I called the credit reporting agencies letting them know the inquires below are unauthorized/ not supposed to be visible on my consumer report. I Never gave them permission or consent to report them. This Aggravated identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written called the credit bureaus and lender I paid the balance in full XX/XX/2020. Yet is is showing as a balance of XXXX. The errors in reporting by the credit bureaus despite my request to correct our violations of my rights. It continues over and over again.
Product: Credit card or prepaid card

Sending message to Chase Bank through this. 

This is a complaint against Chase Bank. I had the Chase Sapphire Preferred Credit Card and used it as my primary credit card. I was planning to use it as my primary credit card for the next 30+ years. One day, I had to do a charge back for {$170.00} against a terrible company called XXXX XXXX ( XXXX ) ( XXXX ). They never gave me the course report that I paid for. Chase repeatedly denied my claim and never sided with me. I am correct because I never received the course report. Chase 's customer service was very poor. Most didn't talk professionally to me or provided no information to me. When my annual fee came, I decided to cancel the credit card and end my relationship with them because they wouldn't side with me on my first charge back, poor customer service, and wouldn't give me a credit for the {$95.00} annual fee. Congratulations Chase for losing a valuable customer. I was going to upgrade my Chase credit card, get another Chase credit card, and refer you to two other people. In your mind, {$170.00} was greater value than keep me with these benefits. You lost Chase and I will support your competitor now.
Product: Debt collection

In XX/XX/XXXX, I checked my credit report and noticed a collection account from Automated Accounts Management Systems ( AAMS ). I sent a validation request on XX/XX/XXXX. I received a response from AAMS dated XX/XX/XXXX. I noticed that this company had my all of medical information from XXXX XXXX XXXX and that is what they sent me. I was never given any validation that had my signature on it that allowed them to collect. At that time I was beginning to do research on HIPAA violations and realized that this is a violation of my HIPAA. AAMS should not have this protected information without my consent. I sent a letter requesting that this information be immediately removed as this is all a HIPAA violation. I received a response from AAMS that they had sent verification information back in XX/XX/XXXX and that they would not respond to any more requests. I was flabbergasted. They are not allowed to have any of my medical information. I send another certified letter dated XX/XX/XXXX ( Sent on XX/XX/XXXX ) and they received the letter XX/XX/XXXX. I have not received any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response.
Product: Credit reporting or other personal consumer reports

After a reviews of my credit report I noticed several accounts that I do not have any recollection and incorrect information of my report. In order to avoid any delays in processing and in the interest of transparency I have added my government photo ID, Proof of address, and social security card to verify my identity.
Product: Checking or savings account

On XX/XX/2022 Bank of America abruptly and wrongly closed my accounts. They stated that it was a business decision. I have done nothing wrong with this bank. I made disputes with certain transactions which were legitimate. There was no reason to close my account and now I'm fighting to get funds that are still in the accounts to help with school tuition. I have been with this bank for XXXX years and I refuse to allow this. They will not release my funds as promised in a withdrawal request I made to get funds out through the branch on XX/XX/XXXX. I'm sure I'm not the only one who has been through this ordeal as they've been on the news before about this. Please help me right this wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get my free annual credit report but have not been able to from XX/XX/XXXX. when you get to the verification section online, it asks for things that i never had like a car loan information and i have never had a car loan. It also asking for mortgage information and i have never had a mortgage ( never owned a home ). then it asks for credit account info with creditor I dont know of and have never had any account with, At least two of the three bureaus have the online feature set up to asks questions that don't pertain to me at all so that i can't complete the verification process and get to my credit report. Experian and XXXX  also have their online system set up to block you from logging in to dispute any of the inaccuracies or fraudulent information they post to your credit report just cause they feel like it and the credit bureaus don't thoroughly investigate the information before ( or after a dispute ) they start posting things to your credit report.
Product: Debt collection

I am writing regarding your recent communication regarding the collection of an alleged debt associated with Portfolio Recovery Associates , LLC. Upon receiving your correspondence, I appreciate your efforts to communicate with me regarding this matter. 

However, I must express my concern regarding the lack of documentation provided thus far, specifically a contract or agreement between your agency and your client pertaining to the debt in question. 

As a consumer, I am entitled to certain protections under the Fair Debt Collection Practices Act ( FDCPA ), including the right to request validation of the debt and to receive certain information about the debt. One such requirement is the provision of a written agreement between the original creditor and your agency, outlining the terms and conditions of the alleged debt. 

To ensure the validity and accuracy of the debt, I kindly request that you provide me with a copy of the contract or agreement between your agency and your client pertaining to the debt in question. This document is essential for me to fully understand the nature of the debt and to assess its validity. 

Furthermore, I would like to request that all collection activities regarding this account cease until such time that the requested documentation is provided. Pursuant to the FDCPA, I reserve my rights under the law to dispute the debt and request validation of the same. 

Please provide the requested documentation within 30 days from the date of this letter. Failure to do so may result in further action to protect my rights under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with Conns Home Plus. 
I do not have a contract with Conns Home Plus. 
They did not provide me with the original contract as I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX  XXXX Balance : {$2100.00} XXXX XXXX XXXX : {$3200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT WITH FEDERAL AND LOCAL AGENCIES I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAs. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Payday loan, title loan, or personal loan

My name is XXXX XXXX. My husband XXXX and I are members of USAA bank. We took out a personal loan last Thursday for {$20000.00}. This loan was going to be used to pay off a different loan at another bank. I specifically asked them to mail me a certified check to be made payable to another bank. I asked them to mail the check to my attention at my place of employment because I did n't want the check sitting in my mailbox. Instead they mailed they mailed the check directly to my employer at XXXX XXXX XXXX college and did not put my name anywhere on the envelope or the check. I found out later that my finance director wrote void all over the check and called USAA and was told to mail it back to them. The check has yet to show up and now I am getting the run around from usaa and have been since last Wednesday. My husband and I are both police officers and he is a former XXXX. We ca n't afford to have two {$20000.00} loans open. I am respectfully asking for your assistance in getting this resolved, especially since this is a federal bank. I look forward to hearing from you soon please. I have escalated this problem all the way to the USAA 's president 's office and they have yet to make their error right. Here is a list of dates and times that I have spent on the phone with USAA trying to get this resolved : XX/XX/XXXX at XXXX  and XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX, XXXX and XXXX The lady from the president 's office who was assigned my complaint on Friday did not reach out to me until Tuesday after I called and left two voicemails. She did tell me that if she could find the original recorded phone call where I ordered the certified check, it would be simple to stop payment on it and return the money to my checking account. She also said if she could n't find it and the check was lost, I would have to wait another 90 days.
Thank you in advance for your time. XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Transunion The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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  has violated my rights. 

I looked at my Transunion credit report on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( XXXX ) Treatment of inaccurate or unverifiable information. 
( A ) In generally, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
And according to 15 USC 1681s-2 they are supposed to 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. Please delete these accounts immediately. 

XXXX XXXX
Product: Checking or savings account

I an 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, balance 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

XXXX XXXX I HAS LEFT A DEROGATORY COLLECTION ON MY XXXX XXXX FILE AND I HAVE SPOKEN WITH XXXX AND XXXX ABOUT THIS ISSUE. 
I ALSO HAVE FOUR HARD INQUIRY THAT I DIDN'T APPLY FOR NEW LINES OF CREDIT FROM ANY BANY OR LENDING PROGRAME. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX
Product: Credit card

I implore you to promptly update my account as I have consistently made timely payments, and the current situation is causing me a significant amount of XXXX.
Product: Credit reporting or other personal consumer reports

I sent a letter requesting validation of the debt in XX/XX/2024. The company never responded.
Product: Mortgage

My wife and i purchased a home that was originated through a local lender. We closed on said loan XXXX XXXX XXXX. Upon closing, we were advised to provide our 1st payment ( due XXXX XXXX XXXX ) to the originating lender. On XXXX XXXX, we provided the first payment to the lender, whereas by letter dated XXXX XXXX XXXX, we were advised the loan had been transferred to Freedom Mortgage ( " Freedom '' ). On XXXX XXXX XXXX, i received a call from Freedom that our payment was past due. I explained to the collector that the payment was made to the originating lender. I then called the originating lender who informed me the payment was not cashed by them yet sent directly to Freedom. I checked my bank records and the payment was negotiated with an endorsement to Freedom on XXXX XXXX. I called Freedom and notified them of same along with providing evidence the payment was negotiated by them. The Collector adamantly stated the payment was not made to Freedom. Once again, i informed the collector " ... your firm cashed the check and you have evidence of same ... '' The collector stated further research is needed. I asked if you have not applied my funds to the account, where did they go? No response, other than, they need to check. While on vacation last week ( XXXX XXXX XXXX ), i received another call from Freedom seeking to collect funds already provided to them. I advised them to not call me anymore and find my payment. During same call, we made the XXXX payment over the phone.
Product: Credit reporting or other personal consumer reports

I have notified and submitted my identity theft report to the federal trade commission in regards to this fraudulent item on my report that needs to be removed but as of now still has not.
Product: Credit reporting or other personal consumer reports

This is a formal complaint for a reinvestigation of the following late payment on the Account ( -XXXX XXXX is reporting inaccurate information.On XX/XX/year> a payment was made and you have it marked as late / No payment.On XX/XX/year> and XX/XX/year> the final additional payment was made before closing that was also not reported.please reinvestigate and verify all data.I also request for proof to be provided. Because im trying to purchase a home and the late inaccurate delinquency is Only being displayed on my experian when cross checked on three bureas ..I determine that if unable to do so or lacking proof being late please update my payment history to PAANL Status ( paid as agreed never late ) and supply a corrected credit file to any creditors that obtained my file in the last 6 months. I've been a loyal customer and your inaccuracy is hurting my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that I have reports on my credit that were opened without my permission. I would like for these accounts to be closed as soon as possible as I am a victim of fraud. these accounts that were opened are damaging my credit report and it is out of my control. This is very unfair and I would like to have the issue resolved. Accounts such as XXXX XXXX, XXXX XXXX, XXXX XXXX, Capital One, XXXX XXXX XXXX, and XXXX XXXX XXXX are all accounts that I do not recognize whatsoever and need to be removed from my credit report.
Product: Mortgage

Greentree offered to refinance my existing mortgage. I agreed and we refinanced. Come to find out that the Mortgage company used the entire tax map # of XXXX acreas instead of the XXXX acreas and the house that was on the mortgage they were replacing. I notified them numberous times and they finally requested in writing on the XXXX of XXXX. I faxed all documents over and was told I would have a response in 30 days. I have called since and all they can tell me is that they have handed it over to outside council and can not give me a time frame for the release. I have part of this property sold and can not close because they will not forward the release or the affidavit for correction as stated. This has now been 75 days and there only response is its out of our hands.
Product: Checking or savings account

On XX/XX/XXXX and XX/XX/XXXX, my account was overdrawn for 5 transactions. 5 fees of {$35.00} each, totaling {$170.00} were charged to my account. 
On XX/XX/XXXX, I have called Wells Fargo to dispute the 5 overdraft fees, and after countless times of requesting a supervisor, they most that they offered to refund were 2 overdraft fees totaling {$70.00}, and the other {$100.00} were never refunded back. The case was elevated, and I have called every day on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to expedite the case. Once I finally got a hold of the case XXXX XXXX on XX/XX/XXXX, he told me that the {$100.00} ( XXXX overdraft fees ) on XX/XX/XXXX and XX/XX/XXXX were not going to be refunded no matter what, because its their policy and that I shouldve been responsible. My {$100.00} in overdraft fees has never been refunded, and my case was not resolved at all.