23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Since XX/XX/XXXX, Navy Federal has charged me XXXX overdraft fees ( that's XXXX per month ) totaling over XXXX USD. I have tried tirelessly to request them to lower my interest rate on my checking line of credit ( they don't ) so that I can catch up on payments. 

Navy Federal once again does not take into account people going through issues with their income, and will continue to punish consumers by way of fees. XXXX per fee at XXXX a month is absolutely ridiculous. If they didn't charge for every fee ( a cap? ) or reduced my interest rate on my checking line of credit to get a little breathing room, we wouldnt have this problem. 

Again, it appears that they have gotten too big for themselves.
Product: Debt collection

I am not sure what this debt is about. Its for {$1900.00}. I just recently retired in XXXX and I paid all the bills that I knew that I had. I do not know anything about this one I need more information, I have not been over paid or are those saying so I need more information about this. Thank you.
Product: Credit card or prepaid card

Precursor : I am a XXXX XXXX perfect payer ( for over 25 years ). 

I opened a Marriott XXXX, " Chase '', rewards card with a promotional 150,000 Marriot points awarded for spending {$3000.00} during the first three billing cycles. I met this purchase minimum. Chase ( phone XXXX XXXX XXXX ) broke the terms of the agreement and instead awarded me 50K x 3 vouchers that expire in 2022. THAT IS NOT WHAT I SIGNED UP FOR. The 150,000 points, based on my usage, would not have expired. The 50K x 3 vouchers I was awarded expire. I called Chase twice and have only received two things 1. A form letter with no detail ; and 2. Service representative who was unable to do anything. Please seek to rectify this problem with Chase.
Product: Credit reporting or other personal consumer reports

Statement for Experian : " I am a victim of identity theft, and several unauthorized accounts, collections, and inquiries have been added to my credit report, severely impacting my credit score. Attached is my Identity Theft Report from the FTC as proof of the fraudulent activity. The following accounts, collections, and inquiries do not belong to me and were fraudulently opened or accessed : Fraudulent Accounts : XXXX XXXX, XXXX  XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX of XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX 

Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I left my apartment on XX/XX/XXXX. 
It is the XXXX XXXX  located on XXXX XXXX and XXXX. When I left for the walk through the property manager XXXX  I believe her name is, told me that we were square and if there was anything else needed I would be contacted by her. At that point I left her my forwarding address and we parted ways. I never once received email, phone call, or letter stating anything about owing money, since I left, the only time we spoke was when I called her to see what was going on. And she had no information for me. Several months later I received a letter from LTD financial services in XXXX Texas, stating that I had a outstanding balance of {$2000.00}. When I called The apartment complex to figure out what was going on, The property manager ( XXXX ) claimed that they sent a letter to my forwarding address and that it was returned so they sold my debt. Well knowing she had me and my fathers emails and phone numbers but neglected to contact either of us before sending it to collections. on the phone she started failed to maintain her story and reasoning for sending it off and not getting in contact with me or my father. LTD financial services contacted me through a letter. in the mailed letter they said unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt or any portion thereof, this office will assume this debt is valid. I received the letter XX/XX/XXXX, and the charges were sent to the credit bureau on XX/XX/XXXX. The letter was stamped XX/XX/XXXX. Even if I received the letter the day it was sent it still wasnt a 30 day period before they sent this to the credit bureaus ( please see attachment A1 for letter and dates from LTD financial services ). Even though the debt is fraudulent I still would have made an attempt but LTD waited less than two weeks before reporting it to the bureaus. XXXX intentionally didnt make any real attempt to reach out and instead knowingly sold false debt to a collections agency, and damaged my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already submitted a complaint which has been closed, but it has not actually been resolved. I completed my settlement agreement with American Express. They have changed the status to " settled '' on my credit reports, however it still shows a balance of {$1200.00}. There should be no remaining balance due as this has been SETTLED.
Product: Credit card

i obtained an XXXX XXXX Citibank credit card XX/XX/2015. A small charge of about XXXX dollars went on the card in XX/XX/XXXX, I never received the XX/XX/XXXX statement so no payment was made. When the next statement came it had penalty and interest so i called to find out why and discovered the missing statement, I paid that day the total bill plus an extra {$200.00} so that there would be no more interest. On the next statement there is still an interest charge, called and company rep acknowledged the extra payment but said still assessed interest because they charge interest until the next statement even when there is a credit on the account. Refuse to do anything about the charge. I think this is an abusive practice. For a missed payment of about {$20.00} where I never got the statement I have already paid {$22.00} in fees and {$35.00} in interest, then on an over paid account more interest is charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working with Experian regarding a bankruptcy being reported on my credit report. I have requested how the information has been verified. This dispute was originally submitted in XX/XX/XXXX. I have spoken with multiple reps who have informed me that the information is verified via XXXX XXXX. I communicated with XXXX XXXX as recent as XX/XX/XXXX and they have confirmed they have not verified any information regarding a bankruptcy. I have also contacted the US Bankruptcy courts and they have explained they have not verified a bankruptcy under my name.
Product: Debt collection

XXXX XXXX XXXX reported a collection to personal credit report last month .... Prior to that there was no notice of collection, letter, call or inquiry on this debt they claim is owed to them. Request for validation of debt came back with a simple print out stating that 24k+ was owed to them from the loan originated in CA back in 2017 at 29.66 % ... It is a known fact that CA statutory limit on personal loans is 10 % .... isn't this a usury? After disputing the accuracy of this account with the buraus XXXX XXXX groups responded with " full validation and confirmation of total accuracy of this account '' to all 3 CRAs However, could not produce signed contract, proof of origination, proof of any payments made on this loan in the past and no proof of personal identification that would prove they have the right person on this collections and who the original creditor/lender was besides the fact that this is originated in the state of CA ...
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against TransUnion. In XX/XX/2018, XXXX XXXX, which is a car dealership in Puerto Rico, mistakenly requested my credit information through two auto financing companies : XXXX XXXX XXXX and XXXX XXXX. Those requests through those two financing companies were not authorized by me. On XX/XX/2018, I sent a letter addressed to Transunion XXXX, in which XXXX XXXX admits that it was an error, and that it should not have requested that credit information through XXXX XXXX XXXX and XXXX XXXX. However, Transunion states that it can not handle my complaint because it needs a letter from the two financing companies ( XXXX XXXX XXXX and XXXX ) saying that they mistakenly requested TransUnion my credit information. The problem is that none of the two financing companies ( XXXX XXXX XXXX and XXXX ) are willing to give me a letter stating that they should not ask for my credit information, because they were authorized by XXXX XXXX. I think that these companies are right, it was XXXX XXXX that asked them, without my authorization, to investigate my credit. However, Transunion told me that there is nothing to do, and that my loan will be affected. Please help me. Thank you XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had a Capital One credit card account. Paid offin XX/XX/XXXX. Balance was XXXX. I believe I requested the account to be closed. Since XX/XX/XXXX, unauthorized carges appeared. Now the total charges arr about {$170.00}. Asked them to remove the delinquent reporting as these are fraudulent charges. They wo n't do it and are saying that these are my responsibility and all they could do it mark it as satisfied if I pay the entire amount which were again, unauthorized. I asked them if they would remove these reportings if I make the full payment even though these are fraudulent as i do n't want to invest too much time for something less than {$200.00}, but they wo n't remove the reportings.
Product: Debt collection

On XX/XX/2023 while checking my consumer report i noticed stated company furnished the account. On XX/XX/2023 we sent a affidavit of truth, notice of removal and cease and desist. I have attached all correspondence in this complaint. This company is violating 15 usc 1681g resulting in fraud and identity theft. While using extortion means to collect a debt that is not owed which is a crime. This company has failed to provide me that it acted with lawfully authority when they obtained and shared my information to consumer reporting agencies. They have also violated a host of consumer laws in which I have attached on the complaint as well. I have also attached a invoice. Pursuant to 15 usc 1692k for failure to comply with the provisions of these supchapter laws. I do not have any dealings with this company and they are causing me mental and financial stress. We've asked this information be removed and invoices be paid and if they do not cease communication a lawsuit will be commenced against them.
Product: Debt collection

I have been attempting to ask The XXXX XXXX XXXX for help due to my health complications and financial hardships I have been experiencing. In my last communication to them I explained in detail my financial and labor problems that are causing me to be unable to pay my accounts. 
My representative contacted The XXXX XXXX XXXX for help and offered on my behalf {$800.00} dollars to settle in full, but they simply demanded I hand over {$1100.00} to settle this account. Unfortunately, I dont have {$1100.00} since my monthly income is around {$900.00} per month, just last month was {$860.00} XXXX please find the attachment ) and I must pay my basic living expenses ( please find attachment ). It's quite the peculiar assistance they are claiming to provide. I am filing this complaint in hope my offer be deliver to the owner of the debt Cavalry Portfolio Service and that the regulators see what The XXXX XXXX XXXX is doing to consumers, even low-income student. 
Because my work is not an essential industry, I was impacted to Covid-19, and at this point I dont have any source of income.
Product: Credit reporting or other personal consumer reports

I sent Validation letters to this company and never received a response.
Product: Mortgage

On or about XXXX XX/XX/2022 I had inquired about a new primary home VA loan with American Financing, XXXX XXXX. As our family situation had changed, we were looking into mortgage lender options based on rates and closing costs. Between XXXX XXXX I had spoken with XXXX XXXX XXXX Mortgage Consultant, that I would be going with another company because they could not pre-approve me at a reasonable amount, afterwards a sr. loan processor, XXXX XXXX XXXX XXXX and said they would like to still be considered and if I could send them an approved loan contract they would see what they could do to earn my business. On XXXX XX/XX/2022 I emailed an accepted home offer to the aforementioned American Finance employees as I am a man of my word and wanted to give equal opportunity to compete for my business. On XXXX XX/XX/2022 I received an email indicating an XXXX had been assigned by American Finance, I immediately responding back in the negative that I did not order nor do I accept such action on my behalf. I subsequently called XXXX XXXX who then assured me that no such order had been placed and that it was simply an automated mail system and it meant nothing so not to worry. On XXXX XX/XX/2022, after reviewing their offer for loan terms I had emailed XXXX XXXX and XXXX XXXX, letting them know I would go with another lender as the rates and closing costs we had discussed on the phone were much different then what was presented on paper. 

On or about XXXX XXXX I was notified by my lending consultant at my chosen lender that he could not order an appraisal because American Finance had ordered a XXXX Case number and appraisal and they could not go to underwriting until the case number was released. Between XXXX XX/XX/2022 and XXXX XX/XX/2022 several calls and emails have taken place to get the case released to no avail. As of XXXX XX/XX/2022 XXXX, I have been told that " upper management '' was working on it and they had no additional information. When I requested options for recourse or reporting complaints, I was told that they weren't sure who I could file a complaint with. 

I had never signed an " intent to proceed '' with American Financing, I had allowed them to compete along with XXXX other lenders and provided them the same documentation I did others for pre-approval. American Financing deceptively initiated a XXXX sided loan agreement that was reported to XXXX, tying up my benefit case number and preventing the lender I did selecting from completing the requested loan arrangement in a timely manner. Their actions jeopardized my families well-being, have caused stress and anguish, and bring discredit upon the industry where transparency and communication is key to financial and economic wellness.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding significant discrepancies in my credit scores across XXXX, XXXX, and Experian Credit Bureaus. Despite the information being identical, there exists a notable difference in scores, with XXXX reporting XXXX, XXXX reporting XXXX, and Experian reporting a significantly lower score of XXXX as of XX/XX/year>. Upon thorough review, it is evident that the reported information across all three bureaus remains consistent. However, the stark contrast in credit scores raises serious concerns about the accuracy and fairness of Experian 's reporting practices. Moreover, the substantial gap of XXXX points between Experian 's score and those of XXXX and XXXX can not be attributed to any discernible difference in the reported information. This inconsistency not only undermines the integrity of my credit profile but also has significant implications for my financial opportunities and access to credit. I urge the Consumer Financial Protection Bureau to conduct a comprehensive investigation into the methodologies employed by Experian in calculating credit scores. It is imperative to ascertain whether Experian 's scoring model deviates from industry standards or if there are systemic issues contributing to the disparity in scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 


Account Name - XXXX Account Number - XXXX 15 U.S.C.1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without m written instructions. 

Delete from report..
Product: Mortgage

We have previously filed a complaint about this situation. Our mortgage loan is with Nationstar Mortage. Twice last year ( 2015 ) Nationstar has reported our mortgage loan as a line of credit and have lowered the credit limit. This is not valid as the loan is a conventional mortgage loan. We have tried resolving thing with Nationstar to no avail. They ignore our attempts at resolving this issue. It is against the law for them to report the loan as a line of credit and to lower the credit limit on the account. We feel this personal and malicious. It has lowered the credit score for both borrowers ( husband & wife ) by XXXX points.
Product: Debt collection

I am the daughter of someone owing a debt. These people are harassing me from comenity bank. This is not my debt and these phone calls need to cease. It is illegal to obtain information of a relative as I am not listed on her information. Yesterday I received an abusive call threatening my mother from a blocked number she better pay up I believe this is either comenity or XXXX XXXX. I will also be reporting this to the XXXX. Stop allowing debt collectors to call relatives I used to collect debts myself and never disrespected people like this or called family. 

Here is one number : XXXX ( XXXX XXXX XXXX
Product: Checking or savings account

XXXXXXXX XXXX close my account without prior notice and send me email stating for me to call them that it's very important. Once the informed me that my bank account was closed and asking why their told me that I was high risk. I stated that my payroll will be deposit on XX/XX/2022. I ask to speak to someone in management I am waiting almost one hour to speak too someone, and final told me that can not re-open my account because risk management told them to close it. However, explained to them my check will be rejected and sent back to XXXX. Also, XXXX allows payment to go through too a company that got paid already twice.
Product: Debt collection

XXXX XXXX XXXX XXXX is reporting a non-existing account to the credit reporting agencies. I do not owe this collection agency ; I have never signed a contract with this collection agency. The collection agency is trying to collect a debt that is over 7 years and 180 days. 
The collection agency is fraudulently trying to collect on a debt that does not exist or belong to me. The collection agency has not supplied the first delinquency date to prove the age of the debt, nor have they provided any of the requested validation of debt information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked my credit report and XXXX states that I have XXXX collection accounts under XXXX XXXX XXXX XXXX. When I review the accounts, the account information has been repeated therefore the same account shows twice on the credit report. I informed XXXX  of the issue but they do not address the issue that the same accounts were posted twice on the credit report.
Product: Debt collection

I am a customer at XXXX with account number XXXX, on which I added my ex-husband. He obtained a line in his name and provided his ID and SSN, but for some reason, he has taken the phone and denied paying his bill, so XXXX has reported me into collections to pay my ex-husband 's bill, which has now amounted to {$1300.00}. I am devasted and need your assistance, please. XXXX acknowledges they made a mistake because the accounts were separated after the divorce. please help
Product: Credit card or prepaid card

This is additional information for Discover Card. For 4 years I have been claiming theft and fraud of the Discover Card. The card was stolen and fraudulently used. Attached is my XX/XX/XXXX XXXX 's report listing XXXX XXXX as the thief. Also attached is XX/XX/XXXX XXXX XXXX XXXX and XXXX Conviction for credit card abuse. The conviction was one of my cards as referenced in documents. Also attached is her XXXX Mississippi arrest for false pretenses, forgery, credit card abuse. This should be important to Discover. It reflects how she had impersonated her own father and how she manipulates. She was even writing large hot checks to buy cars. She has to have a XXXX loose and is a mean twisted person. I am also attaching a my fraud report on a dealership. XXXX XXXX convinced them to pull my credit report without permission to check me out and then forged an application and purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am asked that XXXX XXXX  re-consider they decision. As I stated, I was unaware that my payment increased to {$1200.00}, so I sent in the regular payment of {$1100.00}. Thereafter, I discovered that my XXXX payment was short and since received a late payment mark on my credit report. At this time, I contact XXXX XXXX escrow department and they agreed that the payment might have change in error. They review my account and performed an escrow analysis. They reduced my payment as close to the original payment the following month. ( See attached escrow Analysis )
Product: Debt collection

the payment of XXXX was issue on XX/XX/22 with a check # XXXX. this is in response to my account of XXXX XXXX XXXX. ACCOUNT # XXXX. YOU COULD SEND ME A REPLY TO MY E-MAIL XXXX. AND A PROOF THAT IS PAID .ALREADY. 
XXXX XXXX THANK YOU!
Product: Vehicle loan or lease

Experian has not updated my auto account in 3 months as current and paid on time.
Product: Checking or savings account

Capital One locked my account due to VPN usage as they thought I was somebody else. I proved my identity and explained everything. They responded by shutting down access to my accounts and all my funds. I have repeatedly contacted them over the course of three weeks but they continue to refuse to tell my anything about my account and just continue to tell me that somebody is working on it, its obvious theres nobody working on it. I can not access any of my funds nor even login to my account.