23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My identity was stolen in XXXX, someone filed my taxes and received the refund. When I realized this had happened I immediately went to the IRS to see what I could do to resolve the situation after XXXX XXXX XXXX XXXX gave me the run around because they initially didnt believe me when I said I havent filed taxes yet for that year. The assistant at the office only gave me info to send in affidavits to resolve this issue. I havent been able to file taxes within the last few years due to not receiving a pin to file them, fear, and lack of knowledge. Now, I have been doing more research, calling the companies, and wanting to check my credit scores to start my life and theres plenty of credit reports from hospitals and credit cards that Ive not been aware of. These are the accounts that are on my report. 

XXXX XXXX XXXX for {$790.00} XX/XX/XXXX XXXX XXXX XXXX {$790.00} XX/XX/XXXX XXXX XXXX XXXX {$770.00} XX/XX/XXXX XXXX XXXX XXXX  {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$360.00} XX/XX/XXXX XXXX XXXX XXXX  {$310.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$220.00} XXXX XXXX
Product: Debt collection

Portfolio called and i asked to send me a written notice of such debt. That was the first call. 2nd call a person I know was visiting and I was in the kitchen and asked for that person to answer my phone. They identified themselves of being with Portfolio recovery. My guest asked what the issue was and Portfolio gave my guest my full name, address and what they are trying to collect. They gave another person my whole information. Please delete this of my credit. Reparations for harassment and giving out my whole information to another person.
Product: Checking or savings account

Im writing to dispute overdraft fees that were recently charged to my account despite timely deposits made to cover the related transactions. 

On XXXX/XXXX/2025, I received an Insufficient Funds notice/Extra Day Grace Period for two separate transactions. That same evening, at approximately XXXX XXXX I deposited a check in the amount of {$740.00} to cover both. However, on XX/XX/scrub>/2025, I was charged two {$35.00} overdraft fees for those transactions. Although the deposit was still pending in the Wells Fargo mobile app, it was made prior to the Grace Period deadline. 

Additionally, on XX/XX/year>2025, I received another Insufficient Funds notice/Extra Day Grace Period for a transaction in the amount of {$410.00}. I deposited {$420.00} in cash that evening at approximately XXXX XXXX to cover it. Despite this, I was charged another {$35.00} overdraft fee on XX/XX/year>2025. 

Im concerned that deposits are being processed after withdrawals, and that overdraft fees are being prioritized over covering the transactions themselves, which appears to result in unnecessary charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 a payment was made through my bank bull pay system which was confirmed but in error never processed and I was never notified. By the time aware, payment issue resulted in late pay being reported. I have attempted many times now to have someone at Elan understand that while not their error, it was a bank error to which my bank admitted and provided a letter. I am only asking that someone at elan understand the issue, realize this was not a customer error, and in understanding the situation remove the late payment reporting. I have never had a 30 day late payment prior nor since. Elan did reverse a late payment charge, but that does nothing to update the impact the late payment reporting had on my credit. I am simply asking that someone at Elan take the situation, understand this was a bank error in processing my payment to them, see that I have never been 30 days late before ir since, and decide to take the appropriate and sensical steps to remove the late payment reporting caused by the bank error which the bank confirmed in the letter sent by them to provide to elan attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

In 2011 I mediated a credit card debt to XXXX and paid it in full. I am about to sell my house and was notified of a lien against my house as a result of " non payment. '' I have searched everywhere for a cancelled check, called XXXX XXXX XXXX to see if they could provide proof, to no avail. When I went on the Government website for XXXX XXXX in Georgia, I found the case number ( XXXX ) and it was listed as XXXX  XXXX Bank vs. XXXX XXXX. The case was closed. Clearly, I paid the debt, but XXXX XXXX XXXX, Cooling and Winter will not release the lien. My house closes on XX/XX/XXXX. What do I do? 
Thank you, XXXX XXXX XXXX
Product: Checking or savings account

THE BANK IS ILLEGALLY CHARGING ME TO TAKE MY MONEY FROM THE BANK ATM.. EVER SINCE THE PANDEMIC I HAVE HAD A PROBLEM WITH MY BANK. I HAVE NEVER HAD A PROBLEM BEFORE.. EVERY MONTH NOW SINCE THE PANDEMIC MY ACCOUNT HAS BEEN OVERDRAWN. IT WAS NEVER OVERDRAWN BEFORE. THEN THEY ARE TELLING ME I WITHDRAW {$1400.00} ON THE SAME DAY. THEN THEY TOLD ME THEY PUT THE WRONG DATE. YOU CAN ONLY TAKE {$700.00} A DAY AND CHARGING ME {$3.00} ATM FEES TO TAKE MONEY OUT MY BANK ATM. 

SECOND TIME THIS HAS HAPPEN. 


XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX
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 do to lagged posting 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I let someone deposit a stimulus check into my bank account. I wasn't aware of the check closing my account because I thought the check was valid, even though it didn't have my name on it I thought since it was a legit check it would go through, which it did. The check deposited instant and I gave this person my card to get their money off and never seen them again. So, a few days after this I was trying to login on my mobile app and wasn't able to do so. Once I spoke with someone, they let me know the account was closed and, in the negatives, due to the check not being valid. So, I've been without a bank up until now. After, I got the funds I went into Bank of America, and they told me to call these people to get instructions on how to get a balance off an old account. I paid {$1200.00} on XX/XX/XXXX. The man told me I should be good to go apply to another bank once the payment is processed but, I wouldn't be able to bank with BOA again. So, now I've been trying to open a new account with XXXX XXXX and can't seem to do so since this is on file. I've received the report, but I didn't see anything stated being fraudulent. And I need this issue resolved because I opened an account and deposited money into my XXXX XXXX  account and received my card. However, I can't login into the account or use my card due to this issue.
Product: Credit card or prepaid card

I am being charged for things I returned and did not purchase to begin with. On XX/XX/2021 I was sent a purse from XXXX that I did not order, so I returned it. I also changed my credit card. After I change my card, I got a charge for {$420.00} twice for merchandise I did not order and had to return. On XX/XX/2021 the same merchant never gave me a refund for merchandise I returned and I had to pay for it. Im not paying this time because I changed my card number so my card company chase should not have let them charge my card. They should not even have the number. It is an unauthorized purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Checking or savings account

ATM didnt dispense cash but printed receipt and automatically rebooted. Called atm right away to report and was told to dispute with bank. The bank is not looking further into the issue they are just denying my claim.
Product: Debt collection

Beginning on XX/XX/2022, " Credence Rsrc '' began to make repeated calls to my cellular number, which have continued to the current date. I have not answered a single one of these calls, but due to their persistence decided to research the name online to find out it is a collections agency. I am in possession of no debts, and have no reason for such a business to be contacting me. I do not know for what proported debts they want to contact me over, but I know that whatever claims they are working off of must be false.
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

I had two credit card accounts with Capital One and a debit account. I paid off both credit cards when my debit account was closed during my recent two-month stay in XXXX and XXXX ( XX/XX/XXXX - XX/XX/2022 ). I have repeatedly tried to reach out to Capital One directly and then subsequently disputed the two accounts ' balances using official channels on XXXX XXXX. I was going to escalate this to a small claims court yet decided to correspond with CFPB first per my research into the matter. I have statements with posted amounts zeroing out both accounts. Anything you could do to help would be greatly appreciated, I am a XXXX XXXX XXXX XXXX XXXX XXXX. Times have been very difficult the last two years, and I am very upset about the almost {$2000.00} I spent paying these letters of credit off. I am not even sure why they closed my debit account ; they said it was inactive for 60 days, yet I had paid my XXXX subscription and the previous month 's CC bills with the same debit card. Thank you for looking into this matter for my family and I ; we sincerely appreciate anything you can do especially if it avoids drawn-out litigation.
Product: Money transfer, virtual currency, or money service

we have used paypal for a few years and this last summer i was sent an email that stated my account was on limited and i was not able to obtain XXXX of my money for 180 days i waited the 180 to come back to my account and they had deposited into their own account and then said i had not followed the user guidelines ... .we sell consumer XXXX  everything that i do is by the law - there is nothing not a trace stating that i can not sell XXXX  and use the service to obtain funds for transportation again nothing that does not adhere to the law - ive never been told anything other than they won't give my money back. i am a XXXX XXXX and this is absolutely stealing and i really need some help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a dispute letter to Experian regarding a derogatory account being reported on my credit Listed as XXXX XXXX XXXX. The issue being that I sent a dispute directly to XXXX XXXX XXXX and the XXXX Postal service returned the mail as undeliverable. With the mail not being deliverable, I sent a request to Experian to delete the account due to them violating the FCRA. I can not investigate the alleged debt if I have no way of getting in contact with the debtor. 

As a result of my dispute, Experian responded with a letter dated XX/XX/2022 that I received on XX/XX/2022 stating that the account that I disputed is not listed on my credit report. They then proceed to say that the account was updated. However, the account in question is now showing on my credit report as XXXX XXXX XXXX with the exact mailing address as XXXX XXXX XXXX. It is clear to me that the name of the company was changed between the time it took me to send them a dispute letter, and the time it took Experian to respond. 

They are in blatant violation of the FCRA by reporting a fraudulent account that can not be verified or disputed based on the returned mail I sent to XXXX XXXX XXXX which is now showing as XXXX XXXX XXXX. 

I am attaching a copy of my XXXX XXXX report dated XX/XX/2022 that clearly shows the account listed on my Experian report as XXXX XXXX XXXX, a copy of XXXX XXXX XXXX XXXX XXXX profile listing an undeliverable address. As well as a copy of my dispute results from Experian showing that the name has clearly been changed.
Product: Credit reporting or other personal consumer reports

I am contacting you to provide a follow-up on several concerns pertaining to accounts currently reflecting late payments. I respectfully request that these late payments be rectified and removed from my records. Below, I have outlined the accounts requiring correction for your review : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}.
Product: Consumer Loan

Chrysler has defrauded the CFPB with their false response to my claim, Case number XXXX claiming to be in process of fixing my problem. They instead continue to harass me with telephone calls demanding money that I do n't owe them. This is despite me telling them on numerous occasions, including by written notice, to CEASE and DESIST. Just this morning, XXXX XXXX, almost a full MONTH after promising to fix their mistake, they once again made a harassing telephone call to me, at XXXX PST. My account information visible online still falsely shows that I am supposedly delinquent in my account, which I am NOT, even as confirmed in their own letter responding to my original complaint. I am hereby formally asking the CFPB and any other Federal agency with jurisdiction to take appropriate enforcement action as required by law against this utterly incompetent and corrupt outfit!!
Product: Credit reporting or other personal consumer reports

I noticed inaccuracies in my credit report, specifically late payments that dont match my record. Please correct these issues.
Product: Checking or savings account

My name is XXXX XXXX XXXX, I have a checking and savings account with Wells Fargo bank. For the pass several months my checking accounts has been hacked by someone living in the state of California. That person was using XXXX to pay bills. The amount came up to the total of {$200.00}. I filed a claim with the bank so that my money will be returned. The agent that works for Wells Fargo also told me that the account was hacked. The bank gave me a provisional credit for the claim in the amount of {$200.00} while they did the investigation into my checking account. On XX/XX/2022, I received a letter from Wells Fargo bank stating the following : We completed our research into the transaction and found they were authorized or that a processing error did not occur. As a result, on XX/XX/2022, we will deduct the provisional credit of {$200.00} provided to me on XX/XX/2022. The bank knows and saw that my account was hacked from someone in the state of California using XXXX. They asked me if I left my debit card with anyone or gave my account information to anyone. My answer to them was no I did not give my account information to anyone. I live in the state of Florida in the city of XXXX, how could the bank authorized anything coming from California.
Product: Debt collection

Repeated phone calls from D & A Services LLC on XX/XX/XXXX, XX/XX/XXXX on a medical/dental bill from XX/XX/XXXX! 

Balance : {$990.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 34 financial loss, and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

XX/XX/XXXX I was emailed a pre-approval through XXXX XXXX. Just glanced at potential offers through 2-3 companies. 

The company I chose to take the next step with was Tresl. In order to proceed they asked to run my credit and fill out a complete application which I did do did allow them to do. They then came back and said I was approved and asked me what loan term, interest rate and payment I would like to accept, They had about 6 different offers. I opted for about the same payment I was already making but a 9.5 % interest vs the 14 % I am at now which would have lowered my overall interest by almost {$6000.00}. I submitted financial documents, drivers license photo, current vehicle registration, at which point I was thanked and told my loan instructions/ documents for capital one would be sent. The next call I got was from a representative from Tresl  XXXX XXXX on XX/XX/2024 from phone number XXXX and email XXXX telling me he needed to qualify me. 

I want to make this very clear, up to this point and all the way to the end of the phone call we had I was not told he did not represent a direct lender. Nothing in anything I was sent or told said they were a company trying to still match me with Lenders. They represented themself and himself as the actual lender I was approved with. He did not tell me he was a representing multiple lenders. The following conversation was still under the guise they were the lender. This is a predatory lending tactic and 100 % unlawful. 

I explained I had already done this but I went along and answered more questions. Then I am told the actual rate would actually increase and if I wanted to lower my payment I would have to pay more in interest and take a longer loan out. First I did not care about my payment amount I only proceeded for a lower rate and second this company absolutely lied. At this point I expressed my frustration with the lying and getting me down this rabbit hole, at which point XXXX now says he was " sorry but he did not know at the start of the call what lenders would consider me '' It is at this point I realized without my permission I wasn't talking to the actual lender as they portrayed themselves and himself. 

I just got off the phone with XXXX, this is the first of several complaints I will be filing this afternoon as this is absolutely predatory lending and misleading. Now I have a credit inquiry on my report that I have to contend waiting on time for it to fall off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am doing a follow up notifying the XXXX and Equifax that I was a victim of identity theft, and this is another request to block and remove these inquiries from my credit file resulting from alleged identity theft. Again, Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to block and remove any items not later than 4 business days after the ( XX/XX/XXXX ). Ive already included this items in my identity theft report in my previous letter & I am including it again. Also, I found another unauthorized inquiry in my XXXX Credit Report, and I know that this inquiry was opened without my permission. Please see below the inquiries that I urgently needed the 3 Bureaus to remove : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have experienced a devastating Identity Theft scenario for a near meaningless amount of money and now I can not buy a home because my credit has been decimated. There was an approximate {$700.00} 'loan ' taken out using my SSN. I am a XXXX XXXX XXXX XXXX XXXX XXXX and I'm trying to buy a home. TransUnion site WILL NOT allow me to add the associated police report to my dispute. I have attempted every means available to contact them. No phone numbers are listed. No email addresses. Only an online chat. The chat 'person ' stated i needed to delete my dispute and re-submit XXXX hours later. They WILL NOT allow me to add the police report. So I deleted my dispute, waited XXXX hours and STILL the system will not allow me to add a new dispute and WILL NOT allow me to add a police report. This is a massive deficiency and it's completely unacceptable. They seem to believe they can destroy someone's life with bad credit and then they take no responsibility in the form of customer care to fix deficiencies in their own system. This is unsatisfactory and should be illegal.
Product: Money transfer, virtual currency, or money service

I was scammed attempting to buy tickets to a concert on XXXX. I was told to transfer the money through Zelle XXXX XXXX $ XXXX and then the seller completely disappeared after I transferred the money. XXXX XXXX and Zelle deny being able to cancel the payment and wont investigate the scam
Product: Credit reporting or other personal consumer reports

I reached out to XXXX regarding the delinquent account that shows on my credit report with all XXXX  major bureaus XXXX, XXXX, and TransUnion. I also started a dispute with XXXX, and I received a letter stating they couldn't locate any account tied to my name or social security number. This account is currently unverifiable and should have been removed from my credit report. I dispute this item as well with all three major bureaus multiple times. There investigation never lead to the removal of this item.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a prior account with XXXX XXXX the was opened in XXXX. The account was paid in full upon the vehicle being traded in during XX/XX/XXXX. Since XXXX, the account has continued to report to my credit profile as 60-90 days past  due. I reported this inaccuracy to all three bureaus numerous times from XX/XX/XXXX-XX/XX/XXXX. All three bureaus removed the account for a lack of validation at various times ranging from XX/XX/XXXX-XX/XX/XXXX. This account continues to repopulate as a past due account as recently as XX/XX/XXXX, reported to XXXX. Legally, this account can not repopulate onto my reports after being deleted if it has not been resold or if I have not been notified. Neither of those scenarios have happened and I have continuously asked XXXX and Experian to reinvestigate the inaccuracies to no avail. I have reported them as recent as XX/XX/XXXX.