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

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120 150 ) days late on the XXXX partial account number  ****XXXX. ( Please see page attached from my credit report. ) I returned the vehicle in XX/XX/XXXX and XXXX sold the vehicle at auction in XX/XX/XXXX. After I returned the vehicle in XX/XX/XXXX, I made a payment plan with XXXX. I have never missed a scheduled payment and therefore the lates that are being reported are completely false. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
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 postings of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Bank account or service

I got a chargeback from XXXX and they paid the money to the bank and the bank claims they never got the money.XXXX explained that they gave me the money to the bank and they did that when I involved federal agencies.XXXX has no reason to lie but TCF does not want to co-operate. 
TCF needs to give me the money back
Product: Credit card or prepaid card

On XX/XX/2022, I signed up for the PayPal Cashback Mastercard. I was responding to a promotion whereby new card members who spend {$500.00} within 90 days would receive a {$150.00} bonus. I did not receive the bonus, as promised in the promotion. I called the customer service number, who referred me to PayPal. PayPal referred me back to the issuing bank. I tried calling the bank multiple times with no resolution.
Product: Payday loan, title loan, or personal loan

I mailed a payment of {$110.00}, check number XXXX, dated XX/XX/2020 for my payment due on the same day. 

The check was lost in the mail, as I mailed it to an old address, and was not notified by the company, Atlas Credit, that they had moved to a new address. 

I informed the worker at Atlas Credit that I would come into the store and make the payment in person. 

So I drove to the old location, only to notice that there is a new location when I got there. I called the store, and at this point the worker gives me the new address. 

I make the payment due XX/XX/2020 with replacement check number XXXX in the amount of {$110.00}, dated XX/XX/2020. 

I had another regularly scheduled payment due on XX/XX/2020. On or about XX/XX/2020 a worker from the store calls and informs me that I have a payment due and asks when I would be making it. 

I replied, I dont know. The response was not sufficient to the worker and they told me they would call everyday until I made the payment. 

For the next two plus weeks, I got a call every business day from the store ( as identified on my caller id ). Each time I did not answer the call. 

On XX/XX/2020, I mailed check number XXXX in the amount of {$110.00} for the payment due XX/XX/2020. 

On or about XX/XX/2020 the collection phone calls from the store ceased. My presumption is that they received the check payment. 

On XX/XX/2020 I called the store to ask whether they had received the check mailed on XX/XX/2020 and to get the loan payoff amount. 

The store worker advised me, much to my chagrin, that they had not received the payment. 

Very odd, to say the least, considering the store worker had previously harassed me on a daily basis ( prior to me mailing the check ), as she pretty much said she would. 

I personally feel that, based on the circumstances, the check mailed XX/XX/2020 was not lost in the mail, but rather it was received by the store and PURPOSELY being held and not applied to my account, so as to negatively affect the credit reporting. 

Rather than take a chance on the negative credit reporting, I decided to personally deliver a cash payment of {$250.00} and some odd cents to the store to pay off the loan. 

In summation, this company is engaging in unfair, scrupulous and deceptive practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a dispute online via XXXX upload. I faxed in the same disputed to XXXX and I mailed one to Transunion. I tried the online and fax method thinking it would be quicker to get viewed, I wasn't able to set up my Transunion account info so I mailed it in. Its been more that 30 days, I called each bureaus and to my surprise, found out that each agency outsources their inbound calls to call centers around the world. I am not opposed to saving money so I understand it, but so much information of consumers has already been leaked, hacked, exposed in breaches and sold online, I would think that Americans personal and financial information would be more secured. I am a victim of identity theft, I am trying to get several accounts removed from my credit report, most of these accounts were opened when I was away in the military. I would like for the documents that I am attaching to be forwarded to the agencies for review and resolution.
Product: Credit reporting or other personal consumer reports

I have recently review my consumer report and notice several accounts that were opened/changed without my knowledge or consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my c edit report i found two fraudulent sddreseslistedwhich in turn had fraudulent accounts listed. I notified all yhree bureaus and requested thry be removed from my report as they are fraudulent and not mine. They have taken no action and still list the adressesfrom XXXXXXXX and XXXX XXXX on my repor causing me harm. Likewise they also refuse to remove unauthorizedaccess and pulls/hitsto mappear on my record. I did not authorize these.
Product: Student loan

On XX/XX/2017, at XXXX EST, I called in to confirm my account information, Navient 's address and zip code so that I can start making payments again on my private loans. I got agent # XXXX on the line, who asked for my information as usual. I explained why I needed the requested information and requested that he confirm my account number and the address for Navient to send the payments. I was not mailing a check in, and as I stated to him on the phone, I needed the information to be able to pay the amount through my Bank 's bill pay service. The agent informed me about the balance, for which I would like to state has changed every time I speak to a representative. The amount went from {$1300.00}, to {$900.00} and as he stated, {$1000.00}. I have had numerous issues with Navient, and I explained this to him so that he can understand that I will not be using Navients service to pay the bill. the agent asked was I going to make a payment on that day, and I informed him that I was not able to provide him that information. I stated for the record that I did not and will not confirm an amount since I was only calling to get the billing information needed to be able to pay my bill. The agent got upset, and began to raise his voice and demand that I tell him an amount. He refused to provide me the information I was requesting and ignored the fact that I only called to get information. I asked him to give me the information or put someone on the line that will. He ignored me and continued to ask for an amount. I told him if he does n't provide the information, I will file a complaint. He then stated why do n't I tell them about the balance I owe on account for that matter. This man was very rude and extremely disrespectful and refused to give me the information. I had to disconnect the line and call back in to get the information I needed. I am concerned. Navient has already done things on my account that I did not authorize, and now I am dealing with agents that think its okay to speak to me however they please. I do not want someone like this to have access to my information.
Product: Prepaid card

An installment plan was made XX/XX/year> for a trip planned XX/XX/year>. The trip was planned through XXXX  and payments made with my Cash App debit card ending XXXX. There were a total of XXXX transaction made with a total {$880.00}. XXXX has ignored my requests for a refund although I am qualified to receive. I also made a request to the airline who advised me to reach back to the travel agency. After being ignored a 2nd and 3rd time, I put in disputes with Cash App with supporting evidence of the flight cancellation, payments made, and the total amount paid. The same day evidence was present to Cash App, all of my refund disputes were denied, although they were submitted with a live agent, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion removed XXXX # XXXX from my credit file for no reason and by TransUnion Date Updated as XX/XX/XXXX was or should have not been removed last payment was made XX/XX/XXXX in which last updated XX/XX/XXXX is not 7 years and I see TransUnion likes to remove accounts in Good standing before its time for no reason on the other hand TransUnion would not removed XXXX # XXXX if I would missed a payment. 
TransUnion does things to consumers credit so they can lower your score and not adjust it correctly in there error and tell you it takes months on there error that seems done in purpose.
Product: Student loan

I been XXXX sinse I was 14 years of age I am now XXXX years old. I tried college at XXXX University online. I stopped after 2 months. I was approved XXXX waiver. I did it my doctor signed it several times. And every year they keep saying I owe. It should be off my credit report and they won't work with me they said over and over again that u got ta file again. I filed like 4 times and was approved for 1 year and thry said it got ta be 2 years I will every step under XXXX guidelines to get this removed. Even contacted my stats congressman in maryland. Please help me
Product: Payday loan, title loan, or personal loan

On XX/XX/16 at XXXX, I set up an auto-pay on Synchrony Financial website for my account ending XXXX to pay the full balance of my debt and I received a confirmation email stating, " You have successfully enrolled in Autopay for your XXXX XXXX XXXX XXXX XXXX XXXX account. For your records, your Autopay confirmation number is XXXX '', this setting was adequate to pay the debt on time and avoid charging me any interests. 
Unfortunately, the bank system has not performed well and later I discovered a change on my account have been performed, the auto-pay setting changed to minimum due, without informing me which entailed charging me {$2200.00} of interest for not paying the debt on time. I am disappointed because I always meet my obligations and I never done this change, and even when I discovered this mistake and the big charge, I paid the full balance {$3300.00} at once as a proof of my commitment to my obligations and to stop the monetary bleeding. When I reached out to the bank, the bank representative informed me that the change to minimum due have been performed after three minutes only of the first set up ( i.e. XX/XX/16 at XXXX ), however, the received confirmation email dated XX/XX/2016, XXXX XXXX which is after that false change by 58min, moreover, I never receive a confirmation email from the bank with this change.
Product: Checking or savings account

This is the fourth time I've experienced similar deceptive policies. It appears to be a pattern of behave intended to extract additional revenue from customers. 

When attempting to close an account at Bank of America, they will " soft close the account ''. If you ask to have it " hard closed '' they will agree, but will not perform the action. 

Then they will charge fees or refunds to the counts that cause the account to reopen. They will not notice you of this event and then will charge low balance fees on an account which you have closed. 

Attempts to close the account again will often restart the process or require long hold times in order to resolve the issue. It has happened to me multiple times with BofA and appears to be a clear pattern of deceptive behaviour Having experienced this before I specifically outlined my concerns at the time of closing and indicated I would reach out to the CFPB if it happened again. It happened again.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several inaccuracies and inconsistencies on my credit report, as reported by your agencies. These inaccuracies are violations of my rights under the Fair Credit Reporting Act ( FCRA ), which requires that credit reporting agencies report only accurate and verifiable information. And doing so, please delete all These account from my credit report Below are the accounts that require your immediate attention : XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account Number : [ XXXX ] Violation : Failure to Mark Account XXXX Disputed This account is currently under dispute, as indicated in my communication with the creditor. 
However, your reporting across the credit bureaus is inconsistent. Specifically : - TransUnion has marked the account as disputed. 
- XXXX does not reflect the dispute status. 
- XXXX shows " Consumer disputes - reinvestigation in progress. '' I request that all bureaus delete this account to properly reflect the dispute status as required by the FCRA. 
XXXX. Auto Loan Account ( Opened XX/XX/XXXX ) Account Number : [ XXXX ] Violation : Inconsistent Reporting of Balance and Past Due Amounts This account shows different balances across the credit bureaus : - TransUnion XXXX {$32000.00} - Experian : {$32000.00} - XXXX XXXX {$31000.00} These discrepancies are unacceptable and violate the FCRA XXXX requirement for accurate reporting. I request a full investigation into the correct balance amount and a Deletion across all credit bureaus. 
XXXX. Auto Loan Account ( Opened XX/XX/XXXX ) Account Number : [ XXXX ] Violation : Reporting of Unauthorized Services This account was the result of unauthorized services, as indicated in my consumer statement : " CONSUMER STATEMENT : THIS ACCOUNT WAS THE RESULT OF UNAUTHORIZED SERVICES. '' I request that this account be fully investigated and that your records be updated to accurately reflect the outcome of the investigation. The account should not be reported as a charge-off if it was opened fraudulently or without my consent. 
Action Requested : 1. Conduct a thorough investigation of each disputed account. 
XXXX. Delete the this account across all reporting agencies. 
XXXX. Provide me with a written confirmation of the updates made to my credit report. 
I trust you will handle this matter in compliance with your obligations under the FCRA. Please respond to my dispute within 30 days, as required by law. 
Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

Chase Bank has kept my money and won't return it. 

On XX/XX/2024, I wrote a check for {$7000.00} to my wife so she could withdraw it from the bank and deposit it into her account because we were moving and she needed to pay rent and the security deposit. The check was correctly filled out, and she cashed it at the teller. The same day, {$7000.00} was deducted from my account, and after a few days, the money should have reached her account, but that wasn't the case. 

Her account was blocked for receiving a check of that amount for the first time, and everything was completely frozen. She couldn't even withdraw the money she previously had in her account. The next day, we went together to a Chase Bank branch to resolve this, presenting both of our IDs, passports, and bank cards to solve the issue. However, after more than a month of trying to resolve this, Chase Bank still hasn't resolved it. 

We went to different branches trying to explain in person, " Look, it's me. I'm here myself in front of you. I wrote a check to my wife, and she is here next to me. We are affirming the case in person, and you are blocking and holding our money. '' Only one executive was able to unblock the account, but the {$7000.00} is no longer in the account. It's neither in her account nor in mine. They say the fraud department is complicated, but they do nothing but give excuses. 

Our money has been held for over a month, and the money is lost. I don't have it, my wife doesn't have it. The bank has kept our money. 

They claim to be the best bank, but all I see is that the bank has scammed me and kept my money. 

Being a bank customer is a relationship of trust, both from the bank towards me and from me towards them. In this case, Chase Bank has completely broken that trust in a negligent manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have six accounts on my credit report that are not mine they do not belong to me I have not opened these accounts I dont know what they are for I need them off my credit asap!!!

DEPT OF EDUCATION/XXXX  - Acct # XXXX Amt {$0.00} DEPT OF EDUCATION/XXXX  - Acct # XXXX Amt {$0.00} US DEPARTMENT OF EDU - Acct # XXXX Amt {$1900.00} US DEPARTMENT OF EDU - Acct # XXXX Amt {$1100.00} XXXX XXXX - Acct # XXXX Amt {$1400.00} XXXX - Acct # XXXX Amt {$310.00}
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 NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Product: Bank account or service

I conducted an online purchase on XX/XX/2016. When the merchandise did not arrive within the published timeline on the Merchant 's website, I contacted them by email. I was advised they were a little slow, but rest assured, the items were on their way. Several more weeks passed, with no delivery of my order. There were several email exchanges and ultimately, I requested a refund. The Merchant then discontinued any additional correspondence with me and my request for refund. I opened a dispute claim with my bank, JP Morgan Chase. On XX/XX/XXXX, Chase sent me a letter that since it was greater than 120 days from the transaction, they would not pursue any further action ( it was day XXXX when I opened the claim ). I called Chase several times, even speaking with a Senior Support Specialist, and was told there was nothing they could do. I was then advised to contact XXXX regarding the matter. Guess what XXXX told me? Yep, call my banking institution! At this point, I am no longer interested in the merchandise that was ordered, I just want a simple refund.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the numerous attempts I have made to address the fraudulent items associated with my account. Despite multiple efforts on my part, it appears that the issue persists, and I have yet to receive a satisfactory resolution. 


I initially brought this matter to your attention and since then, I have made subsequent attempts to resolve the issue through your designated channels. Unfortunately, I have not received any meaningful assistance or resolution. 

The impact of these fraudulent activities on my personal and financial well-being is significant, and the lack of prompt and effective action is causing me undue stress and inconvenience. I expect a company of your stature to prioritize the security and satisfaction of its customers. 

I kindly request the following actions be taken to address this matter promptly : Conduct a thorough investigation into the fraudulent activities associated with my account.

Provide clear communication on the progress of the investigation and the steps being taken to resolve the issue.

Take immediate action to rectify any unauthorized transactions and remove the fraudulent items from my account.

Implement measures to enhance the security of my account and prevent future occurrences.

I believe in the importance of maintaining a positive customer-business relationship, and I hope that this issue can be resolved amicably. I anticipate a swift response and resolution to this matter. 

If the necessary actions are not taken promptly, I may be forced to escalate this complaint to relevant consumer protection agencies and explore legal avenues to protect my rights and interests. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX FL ) XXXX Balance : {$2000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX FL ) XXXX Balance : {$2000.00} XXXXXXXX XXXX  XXXX XX/XX/XXXX.
Product: Credit card

Received a letter dated XXXX from Chase bank asking us to contact XXXX to allow Chase to access credit report. The number on the letter is XXXX. 

My Mother 's name is XXXX XXXX at XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. She died on XXXX 

I called Chase and they refused to take the research the above number. I called the above number and someone answered requesting my SS number. I am confident it is fraud because no reference number is on the letter. 

I called XXXX and they wanted death certificate plus all of my information but it appeared they were not interested in pursuing fraud. 

Someone filed a false tax return for my mother for XXXX.