23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX I made an online payment of XXXX XXXX The due date for my credit card was XX/XX/XXXX. The payment I made was returned according to the Capital One Mobile Banking App. I was charged XXXX for a past due fee which was outrageous considering I made my payment on time but according to Capital One my bank declined my payment due to insufficient funds. I had available funds throughout the week so what capital one is claiming is false. When I asked if they wanted proof of the available funds they denied me. Now I have to pay a total of XXXXXXXX XXXX due to Capital One not fixing their online mobile payment system. Please find these people and discipline them accordingly. This is very unprofessional!
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 tractions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with 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 or other personal consumer reports

There was an account for XXXX opened ending in XXXX for my e-mail XXXX and last XXXX of XXXX XXXX. I already reported this and it was confirmed this account ( just this account and Upgrade ONLY, do NOT touch the others please ) were not mine. Please remove this account from my Experian
Product: Payday loan, title loan, or personal loan

XXXX who is the Manager of Justice Finance which is located on XXXX XXXX in XXXX, TX. Yes I borrowed initial {$400.00} and paid it off, and I went back and borrowed {$500.00}. 
Well unfortunately we had deaths back to back in my family, and with all the stress and strain, I did forget to pay ... So XXXX XXXX took it upon himself and call my references, Okay I understand that. 
But XXXX XXXX decides he wanted to disclose my personal information, yes he violated my F.C.R.A ... .my references should not know how much I borrowed, when I borrowed it, and when you need me to come in and pay. He started by telling my mom, and then he went down the line. 
that is so unprofessional, and a major violation.
Product: Credit reporting or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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: Prepaid card

Brinks Prepaid MasterCard failed to replace a stolen card and refused a deposit under the XXXX act of 1999
Product: Credit reporting or other personal consumer reports

I am writing in response to your recent communication dated XX/XX/year>, in which my request to block information in my credit report due to identity theft was denied. I submitted a valid Federal Trade Commission ( FTC ) Identity Theft Report and all the required supporting documentation, as mandated under Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2. According to the FCRA, upon receiving a proper identity theft report, the credit reporting agency must block the reporting of information resulting from identity theft within four business days. Your letter claims that my request was denied because the information was either ( 1 ) submitted in error, ( 2 ) based on a material misrepresentation, or ( 3 ) I knowingly obtained goods or services as a result of the transaction. These claims are inaccurate, and I dispute your refusal to block the information as required by law. Under 15 U.S.C. 1681c-2 ( a ), a consumer reporting agency is required to block any information that the consumer identifies as resulting from identity theft when : The consumer provides appropriate proof of identity, The consumer submits a valid identity theft report ( which includes the FTC affidavit XXXX, The consumer clearly identifies the fraudulent information, and The consumer requests the block in writing. I have fully complied with these requirements by submitting an identity theft report, supporting documentation, and the necessary written request to block the fraudulent items. I also provided all relevant information identifying the disputed items. I received from XXXX and Equifax an that states that the block I requested was invalid due to some information as payments made on that account although the I was a victim of the id theft and the suspect actively paid off my account and opened more accounts with my information and I had not noticed what was going on for over 4 years until my score dropped. I am not really tech savvy and dont pay attention to such things and never thought I could be a victim of identity theft and under FCRA 605B ( 15 U.S.C. 1681c-2 ), that the credit reporting agency XXXX & XXXX block the information appearing on my credit report, which is the result of identity theft. The fraudulent information includes the Affirm account with an amount of {$680.00}, the XXXX XXXX XXXX XXXX account with an amount of {$4300.00}, and the XXXX XXXX  account with an amount of {$6800.00}. Additionally, a second XXXX XXXX  account under account number XXXX with an amount of {$10000.00} is also fraudulent.
Product: Mortgage

checked with Chase prior to sending a wire in the amount of {$470000.00} for principal reduction. THe wire was sent at XXXX Central time on XX/XX/2021 and should have posted to our account on XX/XX/2021. As of XXXX XXXX  on XX/XX/2021 they are telling me it is still being researched and it could be 3-5 business day before they have any answer, They had me upload the wire confirmation to them and should be able to track quickly but are not willing to do so
Product: Credit reporting, credit repair services, or other personal consumer reports

yes i called today wondering why you guys charged my back XXXX??? when i was charged and hacked on XX/XX/XXXX with the 3 transaction from XXXX. for XXXX but you guys claim that i should only be be credit back twice for it?? that doesn't make any sense.. the guy on the phone told me that and now you guys are stealing my money!!! I work for the XXXX and this is how we get treated??? 

and I have upload that you guys did everything correct on XX/XX/XXXX, so why are you guys even dare to reverse one of the XXXX that is a frad back to my account??? 

what is you guys problem, I even uploaded my proof of transaction and stop giving me false information, I hope everyone can read and understand this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  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 XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Payday loan, title loan, or personal loan

I am a XXXX and I sign for a loan with Wells Fargo practice Finance in 2015. I was given a payment Schedule that I have followed and paid on time until last month. My monthly payment went up about {$80.00} and when I asked for explanation. I was informed that this loan has adjusted interest rate and my interest rate of 4.35 % is now 5.9 % and it can actually go up over 7.5 %. This was hidden in a fine print and I was not aware of. On the first page of the loan agreement there is a large table which has block that include numbers of installments/ and amount of each installment and it clearly says 96 payment of {$1400.00}. I have tried to contact wells fargo to see if they can help me understand this sudden change. They responded by giving me 4 options which all include higher monthly payments, and prepayment penalties and application fees. I am outraged as this form of unethical practice and taking an advantage of consumers.
Product: Bank account or service

Citizens Bank went into my checking account and withdrew {$300.00}. they said was a Chargeback. 
First they told me there was nothing they could do. Sorry ... .... 
Then when I pressed, they cited {$100000.00}. that was released in my bankruptcy in 2010. They told me they had no record of my bankruptcy and were simply collecting their money. 
Because of their removing money, I bounced my car insurance check. Awesome!!!
Product: Credit reporting or other personal consumer reports

As of XX/XX/2023 there are late payment reports and utilization being reported after I opted out per 15 USC 6802 ( b ) Experian has failed to acknowledge my requests and continues to violate my rights to privacy and furnish information to their third party affiliates.
Product: Student loan

From XX/XX/XXXX -XX/XX/XXXX I underwent an administrative wage garnishment. At the time the garnishment was levied I was under a loan rehabilitation program. Be cause the collection agency failed to properly certify my employer I was garnished at a percentage ( 25 % ) above the legal limit of 15 %. I only had four months left of rehabilitation but I could not afford to continue the plan because I was unable to comply while trying to resolve the garnishment amount being withheld. It took 17 months for the improper garnishment to stop. I was charged {$10000.00} for this collection agency ( GC Services ) to collect on my defaulted student loan. I requested a hearing from the U.S. Department of Education and asked them to apply the excessive amounts as voluntary. They refused. After 2 years they refunded the amount ( {$5200.00} ) then charged me interest and penalties along with the collection costs on refunded amount for those 37 months. I remained in garnishment until XX/XX/XXXX when the garnishment ended. ( {$29000.00} ) The Department of Education stopped responding to me and I thought I was done. Then in 2017 another wage garnishment was levied by the Department of Education for another $ 77,000.00+ It appears that the U.S. Department of Education would rather  you remain in default for your entire life. Because my hearing was denied and a " records review '' was conducted I was not afforded due process.
Product: Debt collection

They are trying to tell me that I have fraudulent activity associated with my social security # and that I am being sued for {$1500.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the information reported on my credit report regarding account number XXXX. According to the information provided by XXXX, the account was sold to XXXX XXXX XXXX. However, after careful review, I believe discrepancies in this account 's reporting warrant investigation. 
On or about XX/XX/2022, XXXX purportedly sold account number XXXX to XXXX XXXX XXXX. XXXX indicated that the account was charged off, and {$19000.00} was written off as bad debt. It is crucial to note that XXXX relinquished its rights to this debt upon the sale of the debt to XXXX XXXX XXXX. 
XXXX can not sell an account and maintain a tradeline simultaneously on my credit profile. The inclusion of the tradeline makes my consumer report Inaccurate and Incomplete and violates the FCRA 's proper reporting. I am being penalized twice for one offense, which is tantamount to Double Jeopardy in criminal law.
Product: Debt collection

ATTENTION DISPUTE DEPARTMENT XXXX, XXXX M SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX TER, XXXX XXXX, FL XXXX To Whom It XXXX Concern, In response to CFPB complaint ID number : XXXX Your company have violated the provisions of section XXXX, XXXX ( a ) ( XXXX ), or XXXX ( f ), You have no prooofs to offer to support a dispute, and thus your asserton in the form of a XXXX report is being used to obtain blockage, not contest the accuracy of its XXXX Stating that you have reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; XXXX XXXX Transunion has reason to determine that you obtained possession of goods Respond As a victim of identity theft ( meaning Identity theft is a crime in which an imposter obtains key pieces of personal information, such as Social Security or driver 's license numbers, in order to impersonate someone else ) I have provided relevant information about my Identity Theft Report. FCRA XXXX ( b ), XXXX U.S.C. XXXX ( b ). Such notification by a CRA triggers XXXX obligations for the furnisher. First, under FCRA section XXXX ( a ) ( XXXX ) ( A ), you must not allowed the furnisher XXXX not continue to report that information to any CRA. FCRA XXXX ( a ) ( XXXX ) ( A ), XXXX U.S.C. XXXX XXXX XXXX a ) ( XXXX ) ( A ). Second, under FCRA section XXXX XXXX f ), it XXXX not sell or transfer that debt to anyone else who would try to collect it. FCRA XXXX XXXX f ), XXXX U.S.C. XXXX ( f ) .As required by section XXXX of the Fair Credit Reporting Act, XXXX U.S.C. XXXX, a copy of which is enclosed, I am requesting that the item XXXX XXXX ) be removed XXXX or request another specific change ] to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( XXXX ) ] and [ delete or correct ] the disputed item ( XXXX ) as soon as possible FOLLOWIN ITEMS : XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$620.00} Thank you. 

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX TER, XXXX XXXX, FL XXXX
Product: Credit reporting

XXXX is reporting inaccurate information on my credit report I disputed information with the credit reporting bureau, advised that information reporting is wrong the balances does n't match the close dates etc. This account is reporting several different inaccuracies and should be removed from my credit report or updated correctly the credit bureau stated that they have conducted and investigation and information was updated however my credit report shows no change in this frivolous account.
Product: Credit reporting, credit repair services, or other personal consumer reports

After numerous attempts of disputing with the credit reporting agencies these accounts are still reporting inaccurately on my credit report. Under the FCRA law the Credit reporting agencies are supposed to 100 % report accurate information on my credit report. 
These accounts are not reporting 100 % accurately and after disputing the credit bureaus has stated they have investigated and are 100 % reporting accurately. 
XXXX XXXX XXXX XXXX XXXX  incorrectly reported as a charged-off account with a balance due XXXX XXXX XXXX XXXX XXXX incorrectly reported as a charged-off account with a balance due XXXX XXXX XXXX XXXX XXXX  incorrectly reported as a charged-off account with a balance due XXXX XXXX XXXX XXXX  incorrectly reported as a charged-off account with a balance due XXXX XXXX XXXX XXXX  this collection account is reporting as an open account when it is supposed to be a closed/ collection account. 
Date of last activity is reporting inconsistent on all accounts, its highlighted on the credit report. 

These accounts reporting inaccurately are a violation of my FCRA rights and it is not allowing me to have a 100 % accurate credit report.
Product: Debt collection

Portfolio Recovery keeps calling me over and over. I have asked them to stop calling I have no unpaid debts. XXXX is the number they call from
Product: Checking or savings account

On or around XXXX XXXX, 2024, I wanted to create an automatic, recurring payment from my Huntington Bank checking account to a different bank ( XXXX XXXX, shared with my spouse ). Huntington Bank website produced an error message with no instructions as to what caused the error. Calling the customer service line, I was told to use a different process to transfer funds, which is exactly what I did and where the issues begin. A XXXX employee alleges they sent an email to me on XXXX XXXX saying that I needed to verify the funds. I never received that message. My account was subsequently locked for safety but I received no message stating my account was locked nor how to open it. When checking my account through the mobile app, about XXXX XXXX  later, an error said my account was locked without any other information or instructions to unlock it. Calling customer service again, around XXXX XXXX, I was told that my transaction was over the limit and was automatically locked ( this is false, representatives on XXXX XXXX told me that previous information was wrong and my {$2500.00} transaction was much lower than the {$150000.00} limit they place ). On XXXX XXXX, I was told to write an email to XXXX with a statement telling them that I am the account owner and to unlock the account. However, this person did not tell me there was an actual form to fill out. I specifically asked what I need to say in this message and I followed the instructions by this representative. I called back after XXXX XXXX and was told my message was being processed and to check back in after XXXX XXXX XXXX On the XXXX business day ( XXXX XXXX ), I was informed that my message to that XXXX was never received. The representative asked me to resend the message and informed me that the message, finally received, did not include the required statement. My bank  account is still locked and multiple representatives have given me incomplete and false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple times, through Dispute letters, I have tried to fix the incorrect information on this account, with XXXX XXXX XXXX XXXX. XXXX then would contact First Interstate Bank and the account would come back with the incorrect dates, incomplete information, and missing data and was verified accurate by First Interstate Bank. Leaving the Report INACCURATE. The Account information for this complaint is taken from an XXXX credit report # XXXX for XX/XX/XXXX. The account is XXXX. This is a joint account with my spouse. I will attach 3 documents that First Interstate Bank and XXXX provided. When you examine the documents you will find that the Date Opened is incorrect This account date is taken from the provided documents and is recorded as being opened XX/XX/XXXX ( Error 1 ). Upon examining these documents you will see many months of activity. Terms ( 1 Months )????? what does this mean ( Error 2 ). Monthly payment ( NOT REPORTED ) missing information ( INACCURATE ) ( Error 3 ). Upon examining the provided documents is you will find a credit limit. The XXXX Report shows the Credit Limit is labeled ( NOT REPORTED ) making the report ( INACCURATE ) ( Error 4 ). Upon examining the documents you will find the High balance is ( INCORRECT ) ( Error 5 ). Recent Balance is ( NOT REPORTED ) ( Error 6 ). The payment history has been left blank ( INACCURATE ) ( Error 7 ). By Law FCRA sections 609 and 611 require thar Creditors and Reporting agencies provide accurate reporting of accounts. Should they not do so the account will be delete. There are many Errors on this XXXX Credit Report which have been VERIFIED as accurate by First Interstate Bank.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specially cashapp failed to take timely and affective measures to prevent and address fraud on their platform, leaving my account vulnerable and protected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( FDTA ) and regulation E. Three actions have caused significant inconvenience and financial loss, and I seek appropriate redress for the violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an address on my report that I have never resided at, the address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ca XXXX and the credit bureau Equifax continues to report it, On my other credit reports no such address exist with my name attached to it..I would like this address deleted from my Equifax credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account several times over the years for incorrect reporting that is ruining my credit. I most recently disputed this account a few weeks ago and they continue to report incorrectly. At this point, it is fraudulent. XXXX XXXX XXXX continues to verify information that is flat out wrong and enough is enough. And Transunion continues to accept this fraudulent reporting without receiving proper evidence. This account must be removed from all credit reporting agencies immediately. The 30, 60, and 90-day late information they continue to verify is incorrect. I have told them this several times. To make matters worse, they continue to report that the amount of discharged debt is upwards of {$10000.00}. They know this information is incorrect as they provided me with the cancellation of debt form that states {$6800.00}. Remove this account from all credit reports immediately.
Product: Debt collection

On XX/XX/2021 I sent a letter to AFNI, INC. requesting information on an alleged debts they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.