23daVinci/CFPB_Complaints huggingface dataset:
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 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 dispute initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I notice there are unauthorized credit inquiries made by the companies listed below.. 

To my knowledge, I have not signed any documents authorizing the companies in question to view my credit report. The listed Inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Report Act 604 as well as a violation of my rights to privacy. 


EQUIFAX MORTGAGE SERVICES XX/XX/XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Student loan

My laws have accrued a large amount of interest. I asked about consolidating my loans and the loan servicer said consolidation would make me ineligible for PSLF. I have since found out that this is not necessarily true. I dont believe that XXXX XXXX XXXX is providing honest information about how to handle my loan.
Product: Credit reporting or other personal consumer reports

Validation Letter sent to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  Account # XXXX To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received no response from them and/or no proof to validate their claim. 
They have broken the law by their non-response within the time period allowed by law. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this erroneous claim. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Product: Credit card or prepaid card

I received a XXXX pre-paid card in my name when I never applied for one. The account was opened in my name and sent a card ready to use. I never wanted one nor will I ever want to open up one with them. I have never even heard of this company. I cant understand why they would do something like this. There is normally a process involving talking to the customer etc. I still cant understand how they did all this without my permission and me starting the process and talking to them. They need to quit doing this to people and cancel mine.
Product: Credit card or prepaid card

On XX/XX/2022 I purchased an item for {$900.00} from XXXX  through PayPayl. I requested for a signature to be requested for delivery. Package says it was delivered but it was not. Based on the tracking number no specific address is provided to where the package was delivered. I disputed the charge with PayPal since Paypal has a buyers protection which ensures a refund credit if a package is not delivered. Under Paypals buyer protection, proper proof of delivery for anything over {$750.00} is a signature. XXXX does not have a signature to account for proper proof of delivery. Paypal closed the case in my favor and credited the amount. However Synchrony bank which runs PayPal credit made a chargeback on XX/XX/XXXX. The case was already closed in my favor and Synchrony bank is refusing to give me my credit.
Product: Debt collection

On XX/XX/XXXX My XXXX XXXX XXXX Was Total Lost XXXX   my insurance paid the value {$12000.00} I spoke with XXXX  ( Which is BRIDGECREST ) & All CALLS ARE RECORDED WITH THEM ... I was told My Gap Insurance Taking Care The Remaning Balance I didn't Owe Anything I will receive papers to sign ... I Called Again Cause I Didn't Recieved Anything while weeks went by I called again ( spoke with BRIDGECREST & my gap insurance company in 3way ) was told everything being paid ... I DIDN'T RECIEVED ANY PAPERWORK FROM BRIDGECREST OR ANYTHING after that until I looked at my credit report they saying I owe {$8.00} I wrote BRIDGECREST a letter for verification of this amount, how was this amount calculated, where it come from 3 TIMES I REQUESTED THIS & they refuse to Validate this they refuse to send me proof of this bill ... I don't owe them anything they reporting late payments on my credit I asked them to Validate that 3x & yet to do so they reporting different amounts on my credit also they sent me copy of my contract but yet to send how they came up with this extra money after the car was paid IN FULL
Product: Debt collection

XXXX  My information was sold from my old landlord to a FMS collector. They stated that I owe them XXXX due to an eviction. XXXX XXXX XXXX XXXX XXXX never notified me about an eviction. I was never sent legal documents. I was never ordered by the court. I was never given any information or paperwork, stating that I was evicted. The FMS collectors has been harassing my mom and she took {$2000.00} from my mom who is on XXXX who never lives with me.. when I told XXXX XXXX XXXX that we can go to court due to this issue, she begged me not to go to court. instead of going to court they put the issue on my credit report and that is not fair to me due to. I never received any documents on eviction and the courthouse looked up my name and never found any lawsuit put against me. They put three evictions on my credit report but its only one thats showing so they can get more money out of me, but in the courthouse system there is nothing showing that I have been evicted. I need help please because this is really unfair.
Product: Checking or savings account

I did a mobile deposit of my check from my employer on XX/XX/23. I received an e-mail days later XX/XX/23 stating that my account is closing within 60 days. I was told because the address my employer placed in the check did not match the address on my checking account that it was fraud and my account will close and I dont have access to the funds and I will have to wait for them to send a check. I called with payroll supervisor on the phone in XXXX and was told that they will send the check to me in the mail. As of today I still have not received my funds and now I am being told I can not get my funds after following their instructions from their customer service to wait 15 days after XX/XX/XXXX when the account was closed and check was mailed out to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX Card was paid in full and closed in XXXX of XXXX due to bad customer service where they claimed I did not cancel a flight on time ( I had to email them a copy of my phone bill showing I did call on-time ) and they still did not provide me with a credit or points back ( I lost a {$500.00} air-fare ). They claimed that they didn't have a record of me calling. My flight was scheduled for XX/XX/XXXX. After this incident, I paid my balance in full ( $ XXXX ) and asked for the account to be closed out. Never got confirmation in writing. 

Fast forward to the week of XX/XX/XXXX when I called, as I got a letter stating I had an unpaid balance. I told them the hotel charge from XXXX on XX/XX/XXXX is a mistake as I cancelled that reservation via XXXX and I have the email confirmation. The hotel made a mistake and charged me twice instead of giving me a credit. I am now showing as having a delinquent account when I have never had issues paying and my credit score was XXXX. XXXX Credit card is the worst and even talking to a supervisor did not help. I would like the delinquent account to be removed and my credit score to be re-stored. How is a charge showing up on my cc after it was closed is my question. The hotel shouldn't have been able to charge me, which it would've triggered a call. XXXX called the hotel and due to COVID, they are closed until XX/XX/XXXX and won't be able to clear the charges until then. I have now paid off the account, which I shouldn't have had to and now I am owed a credit. Bottom line, don't care about the credit. Don't want to deal with XXXX ever again and I would like my score to be restored. You have damaged the credit on an outstanding customer.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , Inc ) due to inadequate customer service and unfair practices which violates the customer 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 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 financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

This morning, I was completely taken aback when I found errors on my credit report, with no explanation as to how they appeared. Ive checked my report as usual, but for some reason, there are discrepancies that Ive never seen before. I refreshed my browser, thinking it was a mistake, but the incorrect accounts stayed there. I really need the documents Ive provided to be carefully reviewed so I can stop worrying about this issue for good.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, On XX/XX/2022 I was searching for a car online and contacted XXXX XXXX XXXX XXXX about a vehicle that I was interested in purchasing. I called and asked if the vehicle that I was interested in was still available and they advised that it was and asked if I would like to make an appointment. I advised that I did and set an appointment over the phone for that evening. During the phone conversation I was asked to provide my address, and I asked why I was being asked of this and I was told that it had to be input into their appointment system to go to the next screen to confirm an appointment. They asked me if I would be financing with them and I said absolutely not. I gave them my address to confirm my appointment and then almost immediately after hanging up the phone I received an email from XXXX stating that I was Pre-Approved for financing at XXXX XXXX XXXX XXXX. At no time did I provide my social security number to the business and I never opted in to receive any type of financing whatsoever. I immediately called the car dealership ( XXXX XXXX XXXX ) back and told them about the email. They advised that they are using a new service that sends blast emails to individuals once an appointment is made, but ensured me that my credit was not ran, because they did not have any of my information or consent to do so. I told them I am not very happy with the way that my privacy was handled and that I would not be doing any further business with them because of this situation. They asked me to send them a copy of the email that I received, as if they were unaware of the email blast that their new system was generating so I did and told them that I would not be doing business with them going forward. 

XX/XX/2022 : I received the same communication in my physical mailbox stating that I had been pre-approved for financing for XXXX XXXX XXXX XXXX. I have not yet seen this on my credit report and hope not to, but I wanted to reach out because the marketing practices do not seem to be legal. I have attached all of the emails I received to this complaint, but please feel free to reach out to me further for any more information. 

Thank you, XXXX XXXX
Product: Checking or savings account

My name is XXXX XXXX. I hired a XXXX  at XXXX XXXX XXXX XXXX in XXXX XXXX and XXXX her on Monday XX/XX/06 to help with my healthy journey. I paid her {$600.00} through XXXX with tax charge. I did not receive a copy of receipt or contract or anything. It looks like the business is doing a shady action with taxing. After paid her, I had my first lesson with her on the following XXXX and then I found out she lied to me. Basically scammed me since she cancelled my XXXX  session to train another client and work out stating that she was sick. I then immediately asked her if she can partial refund me but she refused. I found out this place has been doing this to many clients by ghosting and refusing to give them back the payment. I filed a dispute with XXXX and my bank Wells Fargo but were denied. Wells Fargo did not even send me a proper email explaining why they closed my dispute claim. I am very upset because this was my very hard working money. I was being scammed and there's no way for me to get back that money. {$600.00} might not be a lot to many, but it is to me because I am still a student who has to work and go to school.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I file a dispute with XXXX requesting that a Bankruptcy case # XXXX that was showing on my credit report, On XXXX XXXX I received a letter from XXXX XXXX stating that the bankruptcy was verified as accurate I contact the United States bankruptcy court. and went in person and the clerk gave a letter stating that the court does not report any information to the credit bureaus, and they do not verify or validated any information. XXXX XXXX Lexisnexis are in violation of 15 U.S.C 1681 ( I ) A for failing to conduct a proper investigation. please see Exhibits & Documents.
Product: Debt collection

Few years ago I dispute a fraudulent Parking ticket due to the fact where my vehicle was parking its different from the address it shows in the parking Ticket, even I disputed the validation of the ticket with the City of XXXX XXXX, They never corrected the mistake done, Now I got a letter from one of their debt collectors threating me to intercept my tax refund, my registration place or my vehicle be towed.
I would like the Agency to stop this debt collector threats and remove any collection activity because this alleged debt its been disputed due to be a Fraudulent action. 
I 'm enclosing a signed letter to them as well their letter I received few weeks ago.
Product: Bank account or service

To whom this may concern, In 2013, my Scottrade account was hacked and over XXXX USD of fraudulent ACH transfers were initiated via the account. The attached shows the corresponding XXXX XXXX XXXX statements which shows Scottrade withdrawing hundreds of thousands of dollars from my account.
Product: Credit card or prepaid card

On XX/XX/XXXX I received SoFi Lending credit card in the mail and I never applied for this card, someone stole my identity and charged {$4900.00} on the card. I called SoFi right away and told them I didn't apply for the card and that this is identity theft. They told me to cut up the card and throw them away and they would freeze the account and research it. Then I placed a freeze/lock on XXXX and opened a case no one has ever got back to me. So now it's on my credit report and showing non payment for past 2 months and my credit score has gone down XXXX points because of this. Today XX/XX/XXXX I signed up for Life Lock hoping they could help me get this removed from my credit report after I paid the XXXX and signed up, they transferred me to a different department and they told me they can not help me because it happened before I signed up. So I am at a loss again. I called SoFi again and they said I never applied for a fraudulent application which no one told me to do that so I did and I still haven't got a phone call or email back. I don't understand what is happening and why i can not get any help.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint due to violations of several consumer protection laws regarding inaccurate information being reported on my credit report by XXXX XXXX XXXX and the credit bureau TransUnion. The account in question was declared as a loss by the original creditor but is still being reported as a " charge off '' on my credit reports, which is a direct violation of the following laws : 1. **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 : ** According to the FCRA, the information reported by credit bureaus must be **accurate and complete**. In this case, the account listed as " charge off '' is inaccurate, as the original creditor declared it as a loss. This misrepresentation violates my right to an accurate and complete credit report.

2. **Truth in Lending Act ( TILA ), 15 U.S.C . 1601 : ** TILA requires creditors to provide clear, accurate, and honest information about consumer accounts. Reporting a debt that has been canceled as a " charge off '' misrepresents my financial situation, which is a clear violation of TILA. 

XXXX. XXXX XXXX Consumer Fraud Act ( XXXX ) : ** The XXXX prohibits fraudulent and deceptive practices, including the intentional misrepresentation of financial information. The original creditor has declared this account as a loss, and continuing to report this debt as a " charge off '' constitutes a violation of this consumer protection law. 

Despite disputing this information with the credit bureau and the inaccuracies in my credit report have not been corrected. This account continues to negatively impact my credit score and my ability to access fair financial products.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with I C SYSTEM ( Original Creditor : XXXX XXXX XXXXXXXX ), XXXX XXXX ( Original Creditor : 10 XXXX ), and XXXX XXXX ( Original Creditor : 06 XXXX   XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX XXXX  I C SYSTEM ( Original Creditor : XXXX XXXXXXXX XXXX ), XXXX XXXX ( Original Creditor : 10 XXXX  ), and XXXX XXXX ( Original Creditor : 06 XXXX XXXX ) with no  successful resolution. There was definitely an error on their part.
Product: Mortgage

Wyndham Mortgage quoted me a 3.25 % interest rate, based on specific loan details ( included in attachment ). Based on that quote, I submitted an application, allowing my credit to be pulled. The Loan Estimate given to me showed a rate of 4.875 %. This is an inexcusably large difference. There is no ( appropriate ) overlay that should allow for that large of a swing. 

Further, when I went through the quote process again, three times, to document the process and quotes, the rate changed just minutes apart, using the same exact info. 

The attachment shows a rate of 3.5 % due to printing the process three days later after my initial quote.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Mortgage

Good afternoon, Here is what happend. XXXX XXXX wired the funds in the amount of {$2700.00} to AmeriHome Mortgage Company. Once received by Amerihome, there was a payoff shortage caused by an overdraft in my escrow account due to a tax payment. Taxes were confirmed as paid so XXXX XXXX  voided their tax check and sent a check for the shortage to Amerihome. However, Amerihome deposited the check and paid my loan in full. 
XXXX XXXX then wired the shortage of funds to Amerihome. AmeriHome Rejected this wire as the loan was paid in full. The wire was sent two different times to AmeriHome both times being rejected since Amerihome was showing my loan was paid in full. 
The overage of funds were wired to me on XXXX in the amount of {$2700.00} by XXXXXXXX XXXX since it was belived AmeriHome was paid in Full. 
After this is when the check that was void by XXXX XXXX was rejected by Amerihome 's Bank leaving the balance owed to me. Now, I receive a letter last week from AmeriHome dated XX/XX/XXXX ( The only communication I have received from them ) sayingthat my loan is not paid in fulll and that I owe AmerHome {$2700.00}. by XX/XX/ or adverse credit reporting will be taken.
Product: Debt collection

XX/XX/ called them and asked them what it was related to and given them the phone number they have been calling and they said they have not called, but I have messages where they have called and left messages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a compliant dealing with addresses that do not belong on my credit report. I am request a block on my personal information. I need a copy of my credit report for my personal review. please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts and I want them deleted. 

XXXX XXXX XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX XXXX XXXX Never paid late XXXX. XXXX XXXX XXXXXXXX Not my account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/1979