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

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized.

However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees.

This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair. Many times I have been short of payment to bills that I was unable to pay due to over draft fees. Ive also been paying XXXX more for my credit card due to navy federal charging me fees.
Product: Credit reporting or other personal consumer reports

DEAR, TRANSUNION I WOKE UP TUESDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF A CRIME... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX  XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX  XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX  IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX SSN : XXXX DOB : XX/XX/year> I am writing to formally dispute inaccuracies in my credit report as provided by your agencies. My name is XXXX XXXX XXXX, and my Social Security number is XXXX. My report contains conflicting information regarding my auto loan accounts, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Account Information : XXXX XXXX XXXX Account Number : XXXX Status : Closed Balance : {$16000.00} Payment Status : Voluntarily surrendered, {$510.00} past due. 
XXXX XXXX XXXX XXXX Account Status : Open Balance : {$16000.00} Payment Status : In good standing, 100 % on-time payments. 
Inaccuracies Identified : The XXXX XXXX XXXX account is reported as closed and past due, while the XXXX XXXX XXXX XXXX account states it is open and in good standing, despite being the same loan. This contradiction raises concerns about the accuracy and completeness of my credit report under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). It is troubling that two different companies are reporting the same account under different names, which causes confusion and potential harm to my credit profile.

Additionally, under 15 U.S. Code 1681c-2, a consumer reporting agency shall block the reporting of any information identified by the consumer as resulting from alleged identity theft, not later than four business days after receipt. This account may be a result of identity theft, and I request that it be blocked accordingly. 
Violation of Rights : In accordance with the Fair Credit Reporting Act, these accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1681. Pursuant to 15 U.S. Code 1681 section 602 A, I have the right to privacy. Additionally, under 15 U.S. Code 1681 section 604 A Section 2, a consumer reporting agency can not furnish accounts without my written instructions. 


I request that you provide the original copy of the agreement and terms & conditions associated with this account. Failure to comply will result in the forfeiture of your claims and necessitate the deletion of the items listed above from my credit report. Additionally, you are required to block these transactions from being reported to my consumer report within 4 business days from the date of receipt of this notice. 
Failure to resolve these inaccuracies and comply with legal requirements will lead me to seek damages of {$1000.00} per account as provided by law. 
I look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

DO NOT USE CARE CREDIT XX/XX/2024 at XXXX I called to figure out why my husband and could never seem to pay down this Care credit card. We discovered outrageous interest charges that we had been continuously been hit with that were completely unexpected. 

It was explained that a 0 % interest promotion ended 2 years ago and because we had not paid the balance off that we were seeing all the accumulated interest from each promotional period. This was in the fine print of the contract I was completely shocked and shaking. They advertise in Dr. Offices, pet offices, dental offices and are advertised to help you afford these services using the credit card at a 0 % interest. I feel that this is extremely predatory. 

Our current balance is {$5900.00}. it's my understanding the interest rate went up to 29 % apr. Last month our interest charge was {$270.00}, previous month {$630.00}!!!! WHAT!? This goes back further with interest charges far exceeding the min payment! Keep in mind we always pay at least the minimum each and every month but we were Drowning in the exorbitant INTEREST FEES! 

I explained that we have had major financial hardship since the pandemic and we have been doing our very best to keep up and pay off our debts but these fees made it absolutely Impossible. They would not remove a SINGLE fee. Instead, they closed my account, lowered my min payment, but we are still obligated to pay the entire balance. 

I think it's so incredibly wrong to advertise in Dr. Offices, dentist, and pet offices where generally you are likely to have a VERY large bill to pay and will be even more likely to be surprised by the accumulations of unexpected interest charges all at once leaving you in a similar situation as we are right now. DO NOT fall for Care Credit or it's predatory contract or advertising. These office assistants/receptionists offer this application all the time as a means to pay for your services almost out of sympathy or empathy. Morally and ethically wrong.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below that still appears on my credit report, even after your investigation. I would like this item re-investigated immediately. It is highly injurious to my credit scorXXXX XXXX In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, provide the names and business addresses of each individual of whom you verified about so I can follow up. Please send an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payment - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear CFPB, I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments reported for XX/XX/XXXX and XX/XX/XXXX on my credit file are inaccurate. I have consistently made my payments on time and have been enrolled in autopay for this account. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA. 
Truth in Lending Act ( TILA ) : The reporting practices may violate the TILA, which mandates accurate reporting of credit information. 
Account Details : Account Name : XXXX XXXX XXXX Account Number : XXXX High Balance : {$31000.00} Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Closed Payment Frequency : Monthly Reported Late Payments : XX/XX/XXXX, XX/XX/XXXX Requested Resolution : I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and debts currently listed on my Equifax credit report are fraudulent accounts and debts : XXXX XXXX XXXX  XXXX, {$260.00}, XXXX XXXX XXXX  XXXX, {$62.00}, XXXX XXXX XXXX, {$500.00}. The following credit inquiry listed on my Equifax credit report is fraudulent and unauthorized : XXXX XXXX. The following information is incorrect : 1 missed payment with XXXX XXXX XXXX. All of payments to XXXX XXXX XXXX  has been on time payments.
Product: Debt collection

Affirm is reporting a debt on my credit report that is not owed. They are reporting this debt as a charge-off. This debt should have had a XXXX issued when charged off in XXXX. This XXXX and charge-off change the dollar amount from the debt owed to income paid and can no longer be reported as debt nor included on a credit report.
Product: Debt collection

I have sent letters to request that the debt be verified or removed. The debt was not verified and was removed from my credit reports only to be sold to a different collection agency and is now back on my credit report again and I'm going around in circles.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/year> ). Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact Experian about incorrect date and possible re aging of my account. 
they refuse to let me file a dispute for the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX
Product: Debt collection

Someone opened a XXXX account in my name illegally. Someone stole my information and made an account in my name Illegally. I need this account removed from my credit as soon as possible, it is my right by law. I've been trying to remove this account from my credit for months. This account is affecting my credit. Please report this account and remove this illegally made account from my credit file. It is identity theft. Creditor : XXXX XXXX  This was illegally reported without being properly verified. This is not my account. Please remove because I am at the point where I would like to handle this legally. It ruined my credit score.
Product: Credit reporting or other personal consumer reports

There is information that is on my constimer report that is a result of identity theft. I did not provide written permission or instruction for the identified items to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 
The identified transactions are not information related to any transaction by me as the consumer. 
ACCOUNT NAME : 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  You are required to do what I am asking and block these transactions from being reported. 
I look forward to your response.
Product: Vehicle loan or lease

My concerns stem from accounts that have inconsistencies with reporting across the other 2 bureaus and with my records. I requested that HYUNDAI FINANCE performs mandatory thorough investigation under FCRAct laws. This account is reporting inaccurately and is reporting illegally. 

1. I requested the account to be investigated to see that this account is no longer reporting in XXXX. Therefore it should be removed from my credit report. 
2. Inconsistency continues to report when it comes to Dates, Payment History, number of late payments, and Months claiming that I have missed my payment. 
3. The balance reported is incorrect and inconsistent. The account has not been active since. 

If this account is not reporting 100 % accurate, I request deletion immediately.
Product: Vehicle loan or lease

I purchased a vehicle from a family member. We contacted the loan company whose name is Prestige Financial. We were told by the company that the loan could be transferred to me after I filled out the proper paperwork. Prestige Financial i.e., XXXX XXXX the representative for the company assured me that upon completing the necessary paperwork that my name would be placed on the title and that the property would be considered mine after the title change. I filled out the papers that was requested. I waited months and the company never put my name on the title. I paid several thousands dollars to Prestige financial. Every time I would go to the DMV they would tell me that the car is not in my name. On XX/XX/2015 after I made a XXXX payment they repossessed the car for reason of none payment. XXXX XXXX stated that I did not own the vehicle and that the responsible owner has to pay for the vehicle herself. I asked why had they deceived me and had me fill out the paperwork if they were not going to title the car to me? and she rudely hung up the phone Everyone else that I tried to talk to at the company refused to provide assistance to me. The legal owner and I made complaints and we got nowhere. In the end the company took my money, refused to refund any portion back to me, failed to place me on the title as promised and has continuously reported to the credit bureaus that I owe them XXXX $ and that I am more than 120 days late every month severely damaging my credit. They are also reporting false information. If you carefully exam the reports you can see the conflicting info. I want them removed from my credit report and reprimanded for fraud and deceit. I also want a refund of all my monies that were paid to them.
Product: Credit card

an international flight was purchased plus seats, seats were not assigned correctly by XXXX XXXX XXXX, mid air they took us back to airport and cancelled all the flights after 48 hours they send us back to USA and advised to call airline for. refund, air line did not help charges were disputed and all documents including cancellation of flights were submitted. after 45 days BofA approved and gave me full refund, XXXX  months later charged me back again. try to get an explanation they said there were not any documents, dispute the charges again and agent said we have all the documents including cancellation of flight sh she. took the dispute 2 hours later they decided it again.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my surprise, it is incorrect and untrue. It is showing an OPEN account with Jefferson Capital Systems. I have never opened an account or entered any transactions with this company. They can not furnish any documentation with my signature or consent on it. They claim to be the ORIGINAL creditor with NO original application process and paperwork to show, yet, it was reported that the account was originally opened on XX/XX/year>. This account is not only showing as OPEN but also a balance of {$7100.00}. According to the FCRA, I have the right to an accurate credit report so I am requesting that this account be removed immediately from my credit report and documentation of its removal be sent to me. I had disputed this incorrect credit report with the credit bureaus over a year ago but no action was taken. I seek immediate resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a case of ID Theft, and may have gotten a motorcycle in my name using some of all of my information after he stole my wallets and other important documentation.
Product: Debt collection

On XX/XX/2018 I was notified on my credit report the same debt that was disputed before and removed is back on my credit report because the debt is purchased by another collector. The company is stating that I had business with XXXX XXXX and owe {$1500.00}. XXXX  removed the same debt 6 months ago and now its returned by this company. This debt is not mine and it was proven by dispute with XXXX  that it wasnt mine 6 months ago. Im writing today because the debt is purchased by different debt collecting companies and now its back on my credit report. This debt buyer " parked '' the debt on my credit report and re-aged the status of debt in which is not mine. This debt collection practice of placing this debt on my credit report is XXXX.
Product: Checking or savings account

I received in the mail a flyer advertising {$400.00} if I opened a new regions account. I opened the account and followed all instructions but they never gave me the {$400.00}. When I contacted them they said it was because I did not enroll in electronic statements within the first 30 days of opening the account. I explained that I attempted to enroll in electronic statements but the enrollment process requested information from my paper statement. As such, I had to wait to receive my first statement before I could enroll in electronics statements. This effectively eliminated my ability to receive the offer when I in good faith held up all requirements on my end. I feel like Ive been defrauded.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Account Services Collections and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a XXXX validation letter was sent out on this day. After reviewing credit report again on XX/XX/XXXX there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has XXXX authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all XXXX credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Product: Credit reporting or other personal consumer reports

Please see attached documents. Do Not close this complaint stating it is not me. I am a natural person and a consumer.
Product: Credit card or prepaid card

I'm writing because I applied for, and was approved ( XX/XX/2018 ) for a  Chase Slate credit card with a credit limit of {$4000.00}. I received my card in the mail XX/XX/2018. My card offered a 0 % interest for 15 months and offered a balance transfer with the same interest rate. I transferred a balance ( {$1100.00} ) from another card as my first major transaction. I then called Chase and notified them that I would be traveling with my family on vacation to XXXX and XXXX. I used the card for dinning while with my family in XXXX. Once I returned from my vacation, I received a letter from Chase 's Executive Office in the mail dated XX/XX/2018 stating that they are closing my account XX/XX/2018 " because continuing the relationship creates possible repetitional risk to our company. '' I called the phone number listed in the letter ( XXXX ) XXXX, no one could tell me why Chase was closing my account and could not provide me with any additional information. I called the number several times thinking that someone would eventually be able to provide me with a detailed explanation, to no avail. I have checked my credit report with all three bureaus, there is nothing that reads negative on my report. All of my accounts are current and I have no collections, etc. I even tried going into a Chase bank branch, they said they couldn't provide me with any details. I WOULD LIKE TO KEEP MY ACCOUNT OPEN, and would like to build a long-term relationship with Chase. Can you please help me? If there is something that is of concern, I would like to know, so I can address the issue or resolve any problems that I'm not aware of. Thank You!
Product: Credit card

In accordance with the fair credit reporting act XXXX XXXX XXXX acct # XXXX has violated my rights on XXXX XXXX 15 USC 1681 Section 602 states I have the right to privacy.

15USC 1981 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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: Checking or savings account

I am a landlord. XXXX group offers the ability for my renters to ach their rent payments to me. My rental account is with PNC Bank. I attempted to set it up on my end. It starts with XXXX and to enter my PNC account I am redirected to sign in my PNC account. I enter my PNC username an password and then I hit a wall that says " PNC has made a change that prevents you from being able to link your accounts. '' XXXX suggests filing a complaint with cfpb. 
Surely there should be a paper form signup option until whatever issue is resolved.