23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

On XX/XX/year>, a Vanilla Gift Card was purchase at XXXXXXXX XXXX in the amount of {$140.00}. When the card was opened it was visibly altered with the XXXX digit security code missing ( see attachment ). We requested a refund from XXXX and Vanilla Gift Card to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a identity theft issue that I am not able to resolve directly with the credit reporting agencies or the companies. I have decided to file complaint for myself in hopes that the back and forth ends here. I have already open a case with the US Federal Courts to assist me with the suffering this has caused. I had to do my own research into the matter and I find that the credit reporting agencies reporting fraudulent accounts to my credit file without my permission is a consumer law violation per 15 USC 1681 ( b ). Acct # XXXX, XXXX XXXXXXXX  XXXX XXXX, XXXX XXXX XXXX are accounts not to be listed on my credit file someone else used my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these items that are not mine and i want them to be removed from my credit asap.

1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine 2. Identity Theft INTERCONTINE Date of inquiry : XX/XX/XXXX This is not mine.
Product: Credit card

The account was opened in my name without my knowledge, used, and then closed.
Product: Credit card

On XX/XX/2024 I noticed on my credit card statement that I had been charged a {$40.00} late fee. 

However this goes against the amendment that was made to the Truth in Lending Act where large credit card issuers are no longer allowed to charge egregious fees. 

On XX/XX/2024 at approximately XXXX CST, I called Capital One to discuss the matter. They informed me that they have taken no action to comply with the law and still continue to charge their current customers exorbitant late fees. 

During the call I reminded the customer service associates that the law went into effect on XX/XX/scrub>XX/XX/2024 and to my amazement they said they were only doing this to new customer accounts. However the law states that this applies to all credit card users who are customers of these large issuing companies. 

When I asked for a corporate number and address the associate refused to give me the information and said he wasn't allowed to provide that info.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that Truist supplied to XXXX, XXXX and XXXX credit bureaus ; whose report has incorrect information that has not been updated in reference to account ( XXXX open XX/XX/XXXX ). 

Prior to the Pandemic I had an Impeccable Payment history 800 credit score, I value being a financially responsible client. However, during XXXX I suffered from a major hardship, I had a great death in my family, and I lost my former husband, who at the time was my primary source of income. I also was laid off from my Job due to major cutbacks. Being a Widowed wife and a mother XXXX  XXXX It was hard to meet all my financial hardships. Nevertheless, I did not want to neglect my financial obligations. If you check the history on my account, I have never missed a payment from the time I opened my account in XXXX until the pandemic ; even after pandemic my payment history has been superior. In XXXX I reached out to your Truist to request hardship payment options, I agreed to do a settlement with your company, hence each account was paid. I was informed that the account would be kept current, no late payments will be reported due to me agreeing to settle the account and Care Act.

According to the Cares ACT, the CARES AcXXXX states if you make a debt-relief agreement, that creditor must continue to report the debt as current. Therefore, no late payments should reflect my credit file during that time. I Request that the late payment history be removed as soon as possible to be in compliance with the federal law. To ensure that creditors adhere to the Federal Law which prohibits Negative Credit Reporting according to The CARES Act signed into law on XX/XX/XXXX, Act to amend Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during XXXX XXXX. ( 15U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) This has been an ongoing issue. I have also reached out to Truist in XXXX, XXXX, and just recently XXXX XXXX via dispute through my credit bureau, however both accounts remain the same inaccurately Late Payment history. 
Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed late payment items as soon as possible.
Product: Checking or savings account

I am writing to formally **file a complaint regarding the illegal overdraft fees** that the Consumer Financial Protection Bureau ( CFPB ) recently investigated. As a **loyal member since XXXX, I am deeply concerned about these practices and how they may have impacted my accounts. According to the **CFP
B 's enforcement action**, Navy Federal was found to have **illegally charged overdraft fees** on debit card transactions and ATM withdrawals, even when accounts showed sufficient funds at the time of the transaction. This resulted in XXXX  in unfair fees** imposed on members, including myself. The CFPB has ordered Navy Federal to refund over ** {$80.00} XXXX to affected customers** for these deceptive practices. 

Additionally, I have personally reached out to **Navy Federal multiple times** seeking an explanation as to why my account is overdrafting when the **mobile app clearly shows I have available funds. ** Each time, I have received **no clear or satisfactory response**, leaving me frustrated and financially impacted by these unjust fees.

I am requesting : 1. **A full review of my accounts** since 2014 to determine if I was unfairly charged overdraft fees.

2. **A refund of any improperly assessed fees** in accordance with the CFPBs ruling.

3. **A clear explanation of how my accounts were affected** and assurance that these practices have ceased.

As a long-time member, I expect transparency, fairness, and adherence to consumer protection laws. I urge Navy Federal to handle this matter promptly and ensure that all impacted members receive the compensation they are entitled to. 

Please respond to this complaint as soon as possible with a resolution. You may contact me at XXXX or XXXX regarding this matter. 

Sincerely, XXXX XXXX XXXX XXXXNavy Federal Member Since XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXC XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer 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 and unprotected. I tried for over XXXX years to get in contact with customer service but soon realized it was an automatic bot and not a real person so I never had any of my issues addressed. I lost money, time and who knows who actually got my personal information. 
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 card

HelloMy name is XXXX XXXX am account holder of Care Credit/Synchrony BankMy account number - XXXX XXXX XXXX XXXXThe Customer Service in this bank is the worst I 've ever know since I 've started to use the credit cards. 
So are the rules. 
My credit line was originally approved for $ XXXX always pay in a timely manner. 
Suddenly with absolutely no reason, I 've received the letter from the customer service, that my credit line was decreased a half! Till {$1500.00}! 
At that point I was in process to do expensive dental work, and relied on this available credit. 
As a result, I 've lost a great deal of money and was embarrassed in from of my doctor. 
Next nightmare I was experienced a few days ago, when I 've received my monthly bill. 
The bill looked as a letter from the mental hospital. 
The billing department stated that I 've paid my monthly charge in the amount of {$43.00}, but the next line says that I 've missed the payment???!!!!! 
As the result, they want me to pay TWICE the same amount that I 've already paid from my checking account ( as I always pay, every month ) + the late fee in the amount of {$38.00}!!!! 
When I 've call your customer service and asked what is it going on, I 've receive the idiotic answer, that my account did n't have enough money to pay it and the payment was not made. 
I verified with my XXXX XXXX XXXX customer service representative and realize that it was a bold lie from your customer service. 
On XXXX XXXX I 've received my regular XXXX check, and my account balance was over {$1500.00}. 
On the top of all this ridiculous unprofessional stupidity, your answering service is terrible. 
Please call and check. 
Any option you select, the machine says : '' I still do n't understand it! " Finally checking today the balance on my account, I understood that you need a good audit- Big Time! 
Your recording told me : '' Thank you for your payment of {$43.00} on XXXX XXXX. Your next payment is XXXX XXXX. 
Your minimum amount due is {$110.00}, since we did n't receive your XXXX XXXX payment!!!!!!!!!!!!!!!!!!!!! \So you have to pay for XXXX ( twice ) and XXXX + late fee!!!!!!!!!!!!!!!!!! 
I was unsuccessfully, trying today to reach you customer service representative, but in vain. 
Your answering service is a broken record, and did n't let me talk to the representative. 
I 've lost a great deal of time already because of this nonsense and not going to make any more payments, till you stop to bill me wrong and apologize for the all your wrongdoing to me. 
I am going to complain to XXXX, XXXX, XXXX, media etc. 
YOU ARE CHARGING THE TREMENDOUS PERCENTAGE FOR YOUR LOUSY SERVICES AND UNPROFESSIONAL PRESENTATION, SO YOU MUST BE HOLD ACCOUNTABLE, AND YOU WILL. 
XXXX XXXX XXXX XXXX. 
XXXX, IL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXXl XXXX Balance : {$210.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Since XX/XX/XXXX I have placed an initial fraud alert and explained to numerous Equifax employees I have received so many confirmations and have 20 total disputes currently and 2 active to then say they removed or deleted personal information but it still post on myEquifax or back into my credit report mailed to me. I have a XXXX XXXX  paid off from California that should be deleted and not on my credit file. I have repeatedly asked for thorough investigations and to correct the reporting of payments not being reported or accounts that must be deleted off my account due to fraud, write offs, charge offs or closed accounts not on bad standing and paid off. Their is also a Student loan that needs to be looked at on my report that I have not made one payment because of deferment and COVID-19 pushing deferment but it states {$1000.00} has been paid towards it on myEquifax account. Equifax has yet to delete several accounts that must be deleted. I have submitted CFPB complaint in XX/XX/XXXX and mailed dispute letters to all three major credit reporting agencies and soon thereafter XXXX was informed by XXXX of two particular accounts that should be deleted and they deleted but are still at stake the most for the breach of account in my name. XXXX deleted those off of their report but XXXX nor Equifax has done the same following the complaint number XXXX in XX/XX/XXXX. This complaint goes for all three credit agencies because the same errors and violations of credit reporting go along with XXXX and XXXX who have also willfully continue to violate and administer bogus investigations with deliberate disregard and noncompliance of FCRA and XXXXCRA, Acts in place, Federal codes, Bus. Prof codes, Civil codes and regulations that are designed to protect consumers. I will pursue the restoring of my personal FICO credit score back to over XXXX by submitting evidentiary documents on the contrary to prove its not of my benefit nor a frivolous consumer law civil matter regarding these current issues with Equifax, XXXX and XXXX at this present time in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Product: Credit reporting or other personal consumer reports

I have received results regarding the inaccurate tradelines resting in my credit profile. Upon recent review of the updated details, the accounts that were initially disputed are still inaccurate. 

Each of the accounts has not been corrected. The creditors failed to update this agency with accurate details regarding each of the listed accounts. I want to highlight a significant point as I am disputing these accounts once more. 

Regardless of the answers submitted by each creditor for each account disputed, if they instruct this agency to dub the accounts as updated and verified and the root problem of the dispute has not been rectified, this company will be liable for statutory violations of the Fair Credit Reporting Act and heres why. 

Consumer reporting agencies are to consider ALL relevant information upon notice of dispute per 15 USC 1681i ( 4 ) Consideration of consumer information and any information regardless of who it comes from must be accurate and complete. 

Consumer reporting agencies have been in business for decades, so each agency factually understands its duties and obligations set forth by the Fair Credit Reporting Act. This includes ensuring maximum accuracy of each consumer report to whom it relates per 15 USC 1681e ( b ) Accuracy of report.

WHAT DOES THIS MEAN AND MY POINT?

If a consumer reporting agency notices any inaccurate information apart from the consumer and creditor, they are to ensure the accuracy of that information and are prohibited from taking sides with any furnisher of information per the Consumer Financial Protection Bureau ( CFPB ). 

If a creditor tells a consumer reporting agency that information being disputed is verified as accurate when it is factually inaccurate and that CRA has confirmed the accounts inaccuracies, not only is the furnisher that provided them the false information unreliable but the account itself is considered unverifiable.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my Direct Deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint on XX/XX/2022 and explained that all XXXX bureaus were reporting a charged off account inaccurately due to me reaching out to the bank and them sending me a letter saying they cant find the account that is being reported. XXXX claimed to send results saying that the item was removed from my credit report but it wasnt. I have Documentation of the letter from the creditor stating they can not find the account associated with the negative account reporting on my credit reports. Equifax and XXXX both ignored the request and claimed to have updated but nothing was changed. Updating is unacceptable it needs to be removed ASAP. As I will remind you, XXXX XXXX XXXX # XXXX is furnishing inaccurate information on my credit report. Under the consumer law 15 U.S.C 1681 E section B explaining Compliance and Procedures. " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' Attached is a letter of PROOF! that the creditor has no record of the alleged " charged off '' account and is inaccurately reporting it on my credit report. This has caused my family a and I severe harm due to this erroneous inaccuracy. The creditor is also in violation of Consumer Law 15 U.S.C 1681 s-2 ( a ) ( 1 ) ( A ) " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate '' Please have all bureaus removed this inaccurate information. I have been disputing this for 2 years now and if it is not resolved I will Take legal action as it is my right to do so. It is in accurate information and they wont remove it.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint because I believe Equifax failed to properly investigate disputes I raised regarding inaccuracies on my credit report. Specifically, I disputed two charge-offs reported by XXXX XXXX XXXX  XXXX and I do not believe these disputes were handled in compliance with the Fair Credit Reporting Act ( FCRA ). 

I am aware that the CFPB recently filed a lawsuit against XXXX for allegedly failing to investigate disputes properly and not ensuring the accuracy of reported information. My experience seems to align with these allegations. When I submitted my dispute, XXXX quickly responded that the reporting was valid, but I am concerned that they did not conduct a thorough investigation. XXXX did not provide sufficient evidence to validate the accuracy of the charge-offs and failed to demonstrate compliance with its obligation to investigate disputes adequately. 

This lack of compliance with the FCRA continues to harm my credit report and financial well-being. The unresolved charge-offs remain on my report, even though I raised valid concerns regarding their accuracy and requested verification. 

I request that the CFPB investigate I am submitting this complaint because I believe XXXX failed to properly investigate disputes I raised regarding inaccuracies on my credit report. Specifically, I disputed two charge-offs reported by XXXX XXXX XXXX XXXX and I do not believe these disputes were handled in compliance with the Fair Credit Reporting Act ( FCRA ). 

I am aware that the CFPB recently filed a lawsuit against XXXX for allegedly failing to investigate disputes properly and not ensuring the accuracy of reported information. My experience seems to align with these allegations. When I submitted my dispute, XXXX quickly responded that the reporting was valid, but I am concerned that they did not conduct a thorough investigation. XXXX did not provide sufficient evidence to validate the accuracy of the charge-offs and failed to demonstrate compliance with its obligation to investigate disputes adequately. 

This lack of compliance with the FCRA continues to harm my credit report and financial well-being. The unresolved charge-offs remain on my report, even though I raised valid concerns regarding their accuracy and requested verification. 

I request that the CFPB investigate Equifax to ensure it is following the law and conducting proper investigations of consumer disputes. I also request that Equifax be required to provide proper documentation to validate the reported charge-offs or remove them if they can not be substantiated. 

Thank you for your attention to this matter. To ensure it is following the law and conducting proper investigations of consumer disputes. I also request that XXXX be required to provide proper documentation to validate the reported charge-offs or remove them if they can not be substantiated. 

Thank you for your attention to this matter.
Product: Payday loan, title loan, or personal loan

Today on XXXX XXXX the company called security finance in XXXX XXXX tx. Has called my sister and will not stop calling her I already explained to them that I was enrolled in a program with XXXX XXXX XXXX  and they will take care of the money due. But XXXX from security finance will not stop calling and harassing my family and I including my employer.
Product: Credit card or prepaid card

I opened an account with First Progress Master card, however i have been making payments on time, none of my payments returned! I issued a check payment to the bank, my bank cleared the funds, the credit company refuses to add my payment to credit balance to increase my credit limit ... ....

First Progress Master card
Product: Payday loan, title loan, personal loan, or advance loan

I purchased merchandise from XXXX XXXX and used Klarna to pay in XX/XX/2023. My installments were linked to my debit card ending in XXXX connected to my XXXX XXXX checking account. On XX/XX/2023 I returned the merchandise in store. I contacted Klarna several times after that date because my refund was not reflected on my payment plan AND Klarna was still holding me responsible for the balance of the purchase. Due to how the refund was processed my initial payment of {$360.00} was applied to other purchases I made using Klarna as my payment method but Klarna never XXXX 'd out the purchase and it is still showing as owed by me. Klarna has attempted to debit my account for this purchase and has charged me late fees and sent the balance to a collection agency who harasses me daily. I ask that Klarna contact the collection agency, reverse the charges and have them stop all collection attempts on this account. I am no longer responsible for the balance on this account. I returned the merchandise in store. I have always paid all past accounts with Klarna never having a problem until I returned merchandise for this purchase and others due to how their system processes returns. 

I also request my credit history not be affected by this bogus collection attempt.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been a breach in my personal information in the world wide web causing that accounts be opened with out my consent, these fraudulent accounts needs to be removed from my file immediately, I have already contact the creditor and they ask me to fill out an FTC report which is attached.