23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX  XXXX  XXXX  and XXXX XXXX XXXX for code of ethics violations.
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 charged and credits. This issue aligns with the recent CFPB finding against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, On XX/XX/XXXX and XXXX, XXXX my Transunion credit profile was pulled twice. That resulted in 4 hard inquiries on my credit report from Transunion. 

I am purchasing a house and this does not reflect positively and I am trying to fix this issue. I called the credit bureau and was advised to get a letter from XXXX XXXX XXXX requesting that 3 of the inquiries be removed immediately. 

The letter was sent by certified mail on XX/XX/XXXX and received on XX/XX/XXXX. 

On XX/XX/XXXX I received a phone call from XXXX XXXX XXXX XXXX stating that the credit pulls were valid. The representative stated that the Dealer should have explained that they pull my credit, then send my information to XXXX XXXX XXXX XXXX who pulls it again. I stated that the dealer did not indicate that XX/XX/XXXX would pull my credit again and since they are affiliated can they send me a courtesy letter that I can send to the credit bureau requesting that 3 of the inquiries be removed. They declined stating that the 4 pulls that happened for one loan over a 2 day span was valid. 

I find this highly unreasonable as I would not be able to get a loan with them if I had bad credit and pulling my credit 4 times is definitely hurting my credit rating and scores for 2 years!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is inaccurate and unverified information on my credit report
Product: Debt collection

LVNV Funding LLC is charging me {$460.00} for an account with XXXX XXXX XXXX. XXXX XXXX XXXX is an utility company in XXXX  for electricity. I live in XXXX  and use XXXX. I've never been to XXXX.
Product: Checking or savings account

I am writing to formally request an evaluation of my fraud dispute regarding the unauthorized withdrawal of {$5000.00} from my checking account on XX/XX/XXXX. This fraudulent transaction was purportedly sent to a XXXX XXXX account. 

Background of Dispute : On XX/XX/XXXX, there was an attempted withdrawal of {$6000.00}, which was declined, followed by a second transaction of {$5000.00}, which was processed without my authorization.

I immediately contacted XXXX XXXX to verify the transaction. They confirmed there is no record of any funds sent or received to an account in their system on or around the mentioned date.

I promptly disputed this fraudulent transaction with Wells Fargo, providing detailed documentation, including my Wells Fargo account statements and correspondence from XXXX XXXX verifying that no funds were sent or received on that date. 
Wells Fargos

Denial of Claim : Despite providing comprehensive evidence supporting my claim, Wells Fargo denied my dispute without presenting any proof that the transaction was legitimate. I reached out for clarification and evidence from your side but have yet to receive a response. Supporting Evidence : Wells Fargo Bank Statements : Clearly indicate the unauthorized withdrawal on XX/XX/XXXX. 
XXXX  XXXX Statements : Explicitly confirm no record of any incoming funds for the alleged transaction. 
Request for Resolution : As a victim of cyberbanking

theft, I request that Wells Fargo : Provide documented evidence supporting the claim denial. Re-open and thoroughly re-investigate my dispute based on the evidence submitted. Expedite the resolution process to recover the {$5000.00} that was fraudulently withdrawn. This matter has caused me significant financial and emotional distress. As a valued customer of Wells Fargo, I expect a swift and fair resolution in adherence to your commitment to safeguarding customer accounts against fraud. I submitted a claim to wellfargo on XX/XX/XXXX, and XX/XX/XXXX I

kindly ask for a written response outlining the next steps within 10 business days. If necessary, I am prepared to escalate this matter to appropriate regulatory bodies or legal counsel to ensure justice is served. Thank you for your immediate attention to this matter. I look forward to your prompt response.
Product: Student loan

I attended XXXXXXXX XXXX in the year or XXXX Upon the covid pandemic the school closed and i wasnt aware or informed that the school would be closing and now i am liable to pay for a school loan that I didnt even have the opportunity to finish the program for. I believe it is unfair and i shouldnt have to pay for the school loans
Product: Debt collection

My name is XXXX XXXX XXXX.I have been fighting with Credit Control Corp about a collection that has been on my credit report. The original creditor is XXXX XXXX  XXXX. The original date was XX/XX/XXXX. The past due balance is {$77000.00} This bill does not belong to me. My deceased husband was taken to that hospital when he had a XXXX. I have never been a patient at XXXX XXXX  XXXX. My husband died on XX/XX/XXXX, 2 months after his hospital stay at XXXX XXXX. I have called the billing department on numerous occasions trying to resolve this issue. I have also submitted disputes on this matter with no resolution. No bills have ever been mailed to my home from XXXX XXXX  or Credit Control Corp with the amount {$77000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up 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 items 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 alleged fraud or extortion. 

Delete the following : XXXX XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX LA XXXX Balance Owed : {$150.00} XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

i a XXXX XXXX vet and with this i an entitle to a tax break from the state of new mexico this i received the first of XXXX. I receive a certificate from XXXX XXXX XXXX stating that i would received a tax break on my house Account number XXXX.
Now my compliant is that Wells Fargo has not shown this on my invoice if my tax status change then my escrow account should change this wound decrease my house payment. This has not happen yet and when i called Wells Fargo they informed me that my house payments were going to increase. I did not ask fro this but it was offer by the state of new mexico And i thank them for there help.
But why dose Wells Fargo not honor this tax break and help me out?
Product: Credit card

The XXXX ( XXXX ) charges made by XXXX XXXX on XX/XX/year> are all in dispute and will remain in dispute. I will not be paying these charges. I will deduct them from my payment and these items will remain in dispute indefinitely. 

You are not to pay XXXX XXXX under any circumstances. 

Jet blue XXXX contact me directly from this point forward. 

Jet blues response to American Express is fraudulent and omits the facts in an attempt to overcharge the consumer. 

The reason the charge occurred was because their computers were not working and the XXXX XXXX employee took my card and did something and I explained to them my tickets included the only bags and the same bags we checked to the XXXX and returned with. The XXXX XXXX counter check in employee took over and she said she saw that my bags were in fact included as I stated ( we flew there from XXXX and they got it right ) and she said she credited them back to me realizing the error. I showed her the email that I already paid for the bags. She said they were having problems and I would receive the credit. 

Then my bill showed XXXX XXXX did not credit me. XXXX XXXX overcharged me by billing me again for the bags I already paid for included in my itinerary XXXX. This act of overbilling initially seemed like a mistake on their part, however XXXX Blues actions since that time seem to indicate they intentionally overcharge, overbill, and then attempt to conceal the facts in order to retain the overcharges. This manipulation of business documents to seek financial gain is simply unacceptable and may be considered criminal act. 

Our invoice and XXXX XXXX Website at the time of purchase showed our bags included in the ticket price we paid, we only checked XXXX bag each for XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. 

I will not under any circumstances pay XXXX XXXX for these charges. American Express will credit me for the {$130.00}. If XXXX XXXX wishes to continue the dispute they can do so directly with me, American Express is prohibited from allowing these to be placed back on my statement. 

A copy of this is being furnished to CFPB and the XXXX XXXX Attorney General. 

Settlement will be accepted only if XXXX XXXX credits in the full the XXXX {$45.00} charges ( {$130.00} credit total ) and in addition due to my inconvenience of over XXXX hours on phone calls with XXXX XXXX I bill at $ XXXX for my time, I want XXXX XXXX to credit me {$550.00}. 

I will not pay these charges on my American Express XXXX even though I normally pay my bill in full every month I will deduct the charges and American Express is prohibited from charging me any fees, late fees, or interest as a result of the fraud by XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, someone withdrew XXXX XXXX from an ATM. As soon as I saw this I told my bank that it was fraud because I didnt have my card in my possession. They issued me a credit on XX/XX/XXXX for the full amount. Then as time go on they came to the decision that my claim couldnt be paid. So they ended up reversing the credit which put my account in the negatives. I reached out to my bank yet again trying to figure out whats going on and why wouldnt my claim be valid. As we were discussing we over the phone they said that I didnt provide certain information like not having my card in my possession and how they tracked my account to see if the person who withdrew that money was still trying to keep doing it. I kindly informed the lady over the phone that I indeed did let the claims department know that my debit card wasnt in my possession and it was missing for a couple of days but I didnt pay it any mind because I thought I lost it in my room. So I had the claim/case reopened with more information provided. Days pass and still said my claim cant be paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

I am writing to formally request the removal of an inaccurately reported charged-off account with Pentagon Federal Credit Union/XXXX XXXX XXXX from my credit report. The account in question is being inaccurately reported in violation of the Internal Revenue Code and Fair Debt Collection Practices Act. According to the Internal Revenue Code, charged-off accounts are considered certificates of indebtedness and should be classified as income. As income can not be reported on a consumer report as a debt, the current reporting of this account constitutes inaccurate and misleading information on my credit report. The specific sections of law that support my claim include : Internal Revenue Code Section 61 ( a ) : This section defines gross income, including income from discharge of indebtedness. A charged-off debt should be reported as income, not as an outstanding debt. Fair Credit Reporting Act ( FCRA ) Section 1681s-2 ( a ) ( 1 ) ( B ) : This section mandates that furnishers of information, such as Pentagon Federal Credit UnionXXXX XXXX XXXX, must not report information that they know or have reasonable cause to believe is inaccurate. Fair Debt Collection Practices Act ( FDCPA ) Section 1692e : This section prohibits false, deceptive, or misleading representations in connection with the collection of any debt. Additionally, I have not received the Form 1099-C, which is required for me to properly remit my taxes for the discharge of this debt. This oversight further emphasizes the inaccuracies in the reporting of this account. Due to these inaccuracies, I request that this charged-off account be promptly removed from my credit report. This adjustment will ensure the accuracy of my credit report and compliance with the applicable laws.
Product: Money transfer, virtual currency, or money service

I am writing to formally appeal the recent limitation placed on my PayPal account associated with the email address XXXX. I believe this action was taken by mistake, and I respectfully request that my case be re-investigated. 

Firstly, I would like to emphasize that I have not violated any of PayPal 's policies. I have always strived to comply with all the terms and conditions set forth by PayPal, ensuring the integrity and security of my transactions. I have carefully reviewed the PayPal User Agreement and am confident that my account activities have not breached any guidelines or rules. 

Given this context, I kindly ask PayPal to re-investigate my case. I am more than willing to provide any additional information or clarification required to assist in this process. Restoring my account is crucial for my business operations, and I sincerely hope that a thorough review will demonstrate my adherence to PayPal 's policies. 

Thank you for your attention to this matter. I look forward to your favorable response and am hopeful that my account will be reinstated promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my 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 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: Mortgage

I am a first time home buyer. I have never completed a mortgage application before. 
XXXX XXXX from Pinnacle Lending Group Inc never provided " Regulation B. '' My ECOA rights were violated as Mr. XXXX was very condescending and misleading when I attempted to educate myself on the process. I have been monitoring my credit for 1 year to prepare for the application process. I asked Mr. XXXX to provide the credit information as he advised my credit was a " XXXX per XXXX, '' however I was confused as I have an XXXX account that showed a " XXXX '' score. I just wanted to know how the numbers were 100 points off. He sent me a " consumer report '' wre I did not see a XXXX score ; only from a screenshot with another company 's name ( not XXXX ) with a XXXX score. After that, he advised me that I asked him to " change information on the credit report, '' when I never asked that. He did not want to explain the process as I believe he practiced overt discrimination. His information was outdated and advised me that " all my credit cards are maxed out. " This is not correct as the information he provided was from XX/XX/2019 and as well did not reflect a " maxed out '' credit card balance. Mr XXXX continued to be rude and treat me differently due to my race and gender. He was not willing to provide clear, concise and accurate information. I am not sure how to get a home if I can't track my credit score according to Mr. XXXX. I do believe the practices were unfair and I did not get a chance to be correctly reviewed for a mortgage. I am an XXXX XXXX single mother with XXXX children and Mr. XXXX discriminated against me.
Product: Mortgage

I recently rec 'd a letter from Wells Fargo telling me I 'm in arrears in taxes, utilities, etc. This is clearly impossible as I have the canceled check for the utilities and a receipt for property taxes. With all the fraud going on by them, and the implied threat in the letter, I can just imagine that 'll try and call the loan in and I 'll be fighting them in court. They are immensely corrupt and arrogant as I 've had to deal with them in the past. My loan has always been paid on time with extra thrown in. When I wanted them to rewrite the loan when the rates went down, they refused. When I said I could go somewhere else they told me go ahead, we do n't care! Their corporate attitude is abysmal! The also told me XXXX had to make the change as they just service it. XXXX says that 's not true and that it 's up to Wells Fargo to make any changes. The whole banking industry needs to be revamped!!
Product: Credit reporting

Reinserted previously deleted information.Experian credit reporting has reinstated XXXX that was once removed from credit report.
Product: Credit reporting or other personal consumer reports

This is the second attempt to remove inaccurate information that You have prepared inaccurate and incomplete consumer reports concerning me and published said reports to third parties in violation of the Fair Credit Reporting Act ( FCRA ). Unfortunately, your unlawful conduct has caused me a lot of stress and financial harm, including worry and other distress, out of pocket costs and expenses, and loss personal credit opportunities. 

The following tradeline that you prepared and published about me is inaccurate and incomplete : DPT EDXXXX XXXX Account number XXXX
Product: Checking or savings account

Duplicate Cash Card Transactions Started XX/XX/2023 at XXXXXXXX XXXX Our team is aware of an issue causing duplicate Cash Card transactions, which is making some customers see a negative account balance. We are looking into this matter and will post resolution updates here. 

This is the message I received today and I cant reach them on the phone or online. This error cost my account to go - {$25.00} and money is tight enough as it is. It may not seem like a lot of money, but it is to me and has caused a big inconvenience today regarding gas and groceries. I understand things happen sometimes but theres no communication from Cash App. Theres no updates and this is typical of their service. this is my money and it needs to be put back in my account or at least I need to be updated or compensated for inconvenience.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed that several inaccuracies on my account. This account is hurting my ability to obtain credit it's my understanding that Equifax will investigate this account to ensure accuracy. Here is the account I'm asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hard inquiries listed on my credit report were not authorized. Please correct this.
Product: Checking or savings account

Bank of America started charging me monthly fees for a money market savings which used to be called keep the chang savings. Bank would transfer the change from checking as a savings method. They change the account set up to this type of account and then requiring their customers to keep a minimal balance. I called to get the fees waived for the last two months when they started charging but bank wouldnt waive it. I closed the account since I have other bank accounts with the bank and dont want to incur fees. I had this account for a very long time and Ive been with bank for many years. They could of waive the fees as a courtesy since Im closing the account and they wont have to maintain this account anymore. Total fees {$24.00} for 2 months since they started. They couldve just transfer the balance to my remaining accounts and notify me they will be closing account instead of charging me maintenance fees.