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

I have been disputing this account since XX/XX/2020 and asking for the account on my credit report to be verified according to federal law though physical verification of the original signed consumer contact. The investigation took well over 30 days and came back verified with NO proof of contact. This company continues to knowingly violate my rights to Fair Credit Reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several complaints against Kia Motors Finance for the same issue. They admit that payments are falsely reported as late and then they correct it when I file a complaint only to go back and add the same information back to my credit report at a later date. This was just corrected on XX/XX/XXXX and then on XX/XX/XXXX they add the negative information back to my credit report again.
Product: Credit card or prepaid card

I reported a fraud problem with my bank, a national branch of XXXX XXXX ; on the XX/XX/XXXX. The card was 1st duplicated and then stolen - the csr who took my case said the entire account has been compromised. I filed my fraud problem on the XX/XX/XXXX both in person at the XXXX, Wa. Branch and with the XXXX fraud number for keybank. 
They offered me NO PROVISIONARY funding until XX/XX/XXXX, and have since not only refused to take calls from me but will not return urgent messages from me either. They amount they gave me for provisionary funding was about 1000 , my fraud case is over 10,000.00 ; so i require some kind of communication regarding my claim because as it stands the bank is refusing to cooperate with me on over {$9000.00} of funds that they owe me. They are aware i would likeit settled because i want to transfer to a different bank. You should know that this is about the 3rd or 4th time this bank has allowed this to happen and every time they have handled it in this manner. Besides the unprofessionalism, psycho-terrorism of the phone system and the refusal to follow FDIC laws and guidelines .... 
I revoke my consent for them to " handle '' my finances and want the account closed. They tell me i cant cloae it until ita settled, but they refuse to settle it. And for your own information ; same bank : XXXX, Wa. XXXX - branch manager abouy 3 years ago stole the hard copy, original washington state drivers license. She told me for 2 weeks they didnt have it so i replaced it. DOL never deactivated the " lost one '' per the department of social security so i went back into dol. Almost 1 year later, same branch manager gave me the id back saying it has been in her desk waiting for me the whole time ... .. 
Instead what actually happened was keybank as an entity - uaed my identification to access an account i have with them under my legal last name.. XXXX XXXX ; began embezzelling money from that account, sold my identity to XXXX and department of licensing and many other companies for embezzelment using said account. This account isnt available is all they say to me - ive been locked out of it since the moment i turned XXXX. I am now XXXX ... 
The same branch manager also CLOSED one of my accounts without authorization telling me i was signing to receive provisionary funding. The next time i tried to access the account she had actually tricked my signature and closed said account. 
I want this handled. 
They are given 10 days, its been 19 days, 3 chances and 3 different accounts all with not just issues, but illegal activity.
Product: Debt collection

I 've contacted this collection agency  Professional Collection Co. in writin g to provide me with documents supporting that I owe them {$760.00} for this debt in  XXXX  and you on  XXXX   XXXX  ,2017 and  have n't received any documents or feedback from the company but they falsely verified with the   XXXX   and   XXXX   that I owe the debt. According to FCRA by law they have to produce documents supporting their claim if I 'm disputing that this debt does n't belong to me. I have a right to validity of the debt and they have ignored my request. This is the second complaint and attempt to get a response from the company. I have n't received any information from original creditor neither upon request. My next step of action is looking into a lawsuit against this collection company and the  XXXX  credit agencies.
Product: Credit card or prepaid card

Bank of America credit card Paid {$51.00} outstanding balance on XXXX/XXXX/23 This amount was taken from my checking account, but now a second {$51.00} has also been deducted ( XXXX:23 ) Calling Bank of America automated response admits a credit if {$51.00} - bug I have not been able to reach a live person in three attempts to ask that the second deduction be returned.
Product: Credit reporting or other personal consumer reports

i see a recent fraudulent inquiry added in my report. Kindly remove it as soon as possible. Thank you. 

XXXX XXXXXXXX XXXX inquiry date XX/XX/2024
Product: Credit reporting or other personal consumer reports

I have XXXX inquires on my XXXX credit report that I do not know anything about I have report this to the XXXX credit company and there is know action taken place my wallet was lost by XXXX XXXX XXXX police department and my information was taken by somebody and it has been use still today their useing my identity
Product: Credit card or prepaid card

Beginning in XX/XX/2023... .I stopped receiving postal mail and online statements. I believe at the time XXXX as near as I can tell I owed less then {$30.00}. This is on a credit card with Comenity Bank. 
In XXXX of XXXX my XXXX XXXX account sent me a warning that Comenity Bank put a mark on my credit report for 30 days past due. First I tried calling them per thr number on the back of my credit card XXXX different times in XXXX weeks I tried calling them..EVERY TIME after putting in my info. their phone hung up on me. 
I have tried a TOTAL of XXXX times to pay my bill on line and even though I put in MY CREDIT CARD Number it states my account doesn't exist. They have blocked me from all access to my account... but yet according to XXXX XXXX they are charging me {$40.00} a month in late charges. The amount showing on XXXX XXXX I owe is {$120.00} I had to send a check by mail to pay it off. I do not for one minute believe they will either a pay it on time or else acknowledge it is paid. But they have blocked me from my account. On my credit report they are the credit card showing me late in 5 years... but yet no statement of any kind and block my account and my calls I want this straightened out and I want the account I have for the Comenity credit card CLOSED PERMANENTLY Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiry 1 inquiry from XXXX reporting to my XXXX   report and i I have 2 inquiries from XXXX reporting to my Equifax and 1 inquiry from XXXX XXXX/XXXX. i believe these company are in violation of my consumer right as i have never done business with them before. Please verify the accuracy of these data being furnished to my report and please remove them as soon as possible. Thank you.
Product: Credit card or prepaid card

XX/XX/2023, XXXX made a payment of {$200.00} to me through Cash App. When I went to cash out Cash App offered a debit card. I thought it would be nice to add to my business. I got the card, and went to check the availability. It says I have XXXX XXXX XXXX XXXX dollars. I checked my other bank account, and nothing was deposited. I checked the Cash App account, and it says XXXX made the payment, but it isn't in the account to use. No info on where it went. I tried reaching out to Cash App, but they don't have customer service. It's a bot that tells you it'll get someone, and I've been waiting for over 30 minutes. I tried getting the bots attention, but it isn't responding.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the year of XXXX, I contacted Wells Fargo Bank where I banked and had military checking and all banking through their military banking department i contacted several times with regard to information on purchasing a home I was transferred to credit department and home mortgage department and was told that I didn't have a good enough credit score to purchase a home and that I lacked a large purchase in other words a low score and not major purchase they suggested that I make a large purchase or purchases to demonstrate I can pay back to increase credit score by using credit card or byway of other purchases THAT IS A TOTAL FRAUD AND A TOTAL LIE! I qualified at the time I was lied to by Wells Fargo for a house because the VA loan is totally different than a conventional home loan. Iwas told this lie by several Wells Fargo representatives in order to just run up my credit card. I charged on my card up to l Just under {$30000.00} and my fico credit score at the time was XXXX or XXXX, and was given {$30000.00} with that credit score. It is my honest and sincere experience and observation that Wells Fargo lied to me decieved me gave me this line of credit that I according to fico score didn't qualify to have A ) give large credit line in order use the assets that I had in the bank account over {$60000.00} to $ XXXX after XXXX initial cash deposit in my checking savings at that time B ) lied to me knowing I qualified for veterans loan BECAUSE I USED WELLS FARGO MILITARY BANKING but lied to me saying i didn't qualify in order to get me to make purchases on my card and C ) PROOF WELLS FARGO LIED DECIEVED AND MISLEAD ME ON MY MORTGAGE QUESTIONS AND INQUIRIES after I was approved for my home after having a {$30000.00} loan with Wells fargo ( debt to asset ratio ) still qualified me for a home because IT IS A VETERANS LOAN NOT A CONVENTIONAL LOAN. 

I had to pay Wells fargo the ( YOU NEED TO PUT PURCHASES ON YOUR CARD TO QUALIFY FOR A HOME LIE LOAN ) I have loan 10 % interest rate on a {$30000.00} loan for five years started in XXXX paying {$520.00} every month haven't missed a payment I been struggling but Wells Fargo predatory lied to me to get me to run up the card on lies telling me I didn't qualify for home loan because my credit score is too low and no major purchases ALL LIES I NEVER WOULD HAVE MADE THESE PURCHASES NOR HAVE THIS DEBT IF WELLS FARGO HAD NOT LIED TO ME ABOUT HOW I NEEDED TO MAKE LARGE PURCHASE AND RAISE MY CREDIT SCORE IT IS ALL LIES MY HOME LOAN CURRWNT IS A VETERAN LOAN HAD NOTHING TO DO WITH WHAT THAT LIED TO ME ABOUT. I QUALIFIED AND THEY LIED AND SAID I DID NOT.
Product: Debt collection

I checked my credit to find two negative reports from MIDLAND FUNDING for XXXX XXXX XXXX   XXXX. in the amount of {$580.00} and for XXXX XXXX  in the amount of {$550.00}. I became homeless  after job loss in 2017 and was unable to pay the bills which caused them to go into default. I can settle both debts with {$250.00} each, totaling {$500.00} to delete both trade lines.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. I signed up for the OOPS program which allowed me to overdraft my account up to {$500.00} but was still charged {$20.00} per overdraft made. As of XX/XX/year>, I have been getting refunded the fees for overdrafts made... but I need resolution for all the previous years. This issue aligns with the 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: Student loan

Disputes XX/XX/XXXX. Got run around and gave up. 
This year realized it is affecting my credit report. XX/XX/XXXX opened an investigation/inquiry for payment history prior to XX/XX/XXXX and disputed with credit bureaus. 
XXXX XXXX started to investigate again. Sent a letter to XXXX complaint # XXXX filed XXXX/XXXX/XXXX hoping they would respond. 
I received a letter from XXXX XXXX, VP Loan operations at AES dated XXXX XXXX in response to the complaint with XXXX. 
XXXX XXXX recommended in the letter I call XXXX XXXX XXXX at XXXX, which I did. XXXX than directed me to National Student Loan System at XXXX - XXXX than directed me to XXXX XXXX XXXX at XXXX - they directed me bank to to NSLDS at XXXX. XXXX directed me to Student Loan Support at XXXX. 
I called XXXX and disputed it several times with the XXXX credit bureaus. Each time the reply is " Information has been verified with NO DETAILS ''. 
I redisposed XX/XX/XXXX & AES wrote me a letter XXXX XXXX XXXX - just XXXX replied they sent me a mailed me a formal response. 
Follow up on XXXX XXXX, XXXX - Spoke with XXXX regarding conference call - She sent a request for XXXX ( they work on behalf of XXXX ) for a settlement offer - put in on XXXX XXXX, XXXX. XXXX XXXX they still have n't come to a decision. 
Client relations is once again talking to XXXX. 
XXXX XXXX is checking with Client relations and Lender Representative team. XXXX XXXX, XXXX is required complete date. 
Account is in forebearnace until XXXX XXXX, XXXX
Product: Debt collection

I have asked Portfolio Recovery to validate a collection they are reporting on my credit reports from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Credit reporting or other personal consumer reports

I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer
Product: Credit card or prepaid card

American express offered a promotion where I would receive XXXX bonus SPG points per cardmember that I referred. 

I referred at least 3 Cardmembers in XX/XX/XXXX and to date ( XX/XX/XXXX ) I have not received the promised bonus. 

I have reached out to American express about this multiple times and they haven't given me any answers, only telling me its under investigation
Product: Credit card or prepaid card

On XX/XX/XXXX I received a notice in the mail that my Chase credit limit was being reduced from {$15000.00} to {$11000.00}. 

I called the customer service department and complained about this and they transferred me to the credit underwriting department. I spoke to a account representative and supervisor. I explained to them that I have been a loyal customer for over 20 years.The letter said that my account was being changed because I had been delinquent on a chase card which is false. It said that I had flied bankruptcy which is false. 

Finally, I wrote a letter to the executive offices and complained about this and they did not help me either. In fact, I asked to speak to a manager named XXXX and she refused to speak with me! I feel as though Chase makes their own rules and laws! They lie and cheat consumers and they need to be held accountable! 

I feel like that they are profiling me because I am a senior citizen and I am XXXX!
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  has violated my rights to privacy by furnishing private information from my consumer report without provided me by law the proper notice to opt out of sharing my personal information with non affiliate 3rd parties pursuant to tile 15 16801 of the US Code enforced under 16 cfr 313 317 F. No part of my credit transactions which includes credit balance credit usage or any information is to be shared without the CONSUMERS consent which there is no proof nor did XXXXXXXX XXXX  or any of the 3 credit agencies get my consent which is required to furnish such information. Reasonable investigation is required per federal law before sharing information per the fair credit reporting act. My rights to privacy is hereby demanded and I revoke any consent that may have been granted by way of non disclosure.
Product: Debt collection

The latest phone call was made on XX/XX/2020. I was asked to give the last four of my social which I refused due to my personal information being stolen.The representative proceeded by saying well I can confirm by your date of birth which she did. The representative stated that I owe {$35.00} for a medical bill from XXXX  hospital and I could pay with a credit card.I simply asked could she send me a copy of the bill because to my knowledge I just paid the last bill that I saw on my credit report. The representative said no I can not have a copy of the bill and I should've paid it by now. I told her I wasn't paying a bill I know nothing about. She proceeded to say well you just paid {$25.00} to us a few weeks ago so you have knowledge of this company. I stated I only knew of the {$25.00} because it was on my credit report and I contacted XXXX  XXXX XXXX hospital and the info for this {$25.00} bill was the only amount given to me. The representative was adamant about not giving me any additional information. I asked again for a copy of the bill and she denied my request again and said it was going to be reported to the credit bureau. The conversation was not moving forward so I decided to end the call. I called back a few minutes later and asked to speak to a supervisor, I was told I was speaking with a supervisor. I was once again denied information so I ended the call with no resolve. The representatives were very unprofessional and rude. I wanted the information to verify that the bill belong to me and if so I would have no problem paying it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX Balance : {$1300.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$470.00} ; XXXX  XXXX Balance : {$9900.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report shows the Capital One reported that I had XXXX late payments on XXXX of my cc 's that is completely incorrect I did not have any balance on that card. 

This has been an ongoing issue with Capital One and they refuse to remove that from my credit report this is illegal. 

Thank you!
Product: Debt collection

Credti Systems International , INC has reported to all 3 credit burrows that I owe {$1200.00} from XXXX XXXXXXXX. I do not owe this amount, as XXXX XXXXXXXX did not process this medical claim correctly and the insurance denied payment, and per the EOB, states that I owe XXXX dollars on this amount. I have attempted to get this corrected with this collection agency and XXXX XXXXXXXX but no success. Acct # XXXX
Product: Mortgage

On XX/XX/XXXX I called Quicken Loans to refinance my home loan. I spoke with an associate who assured me that I would have a seamless process and would close in less than thirty days. I sent in all required documents and was quoted a mortgage amount of around {$1400.00} a month. This would be my third closing so I understand that the numbers slightly change up and until closing. My closing was scheduled on XX/XX/XXXX. I signed the closing disclosure that stated my mortgage amount would be {$1300.00}. I checked the online app on XX/XX/XXXX and noticed that the mortgage amount had jumped up to {$1600.00} and needing over {$4000.00} funds to close. I emailed and called XXXX who stated there was a glitch in the app and that whatever amount my closing disclosure document stated, would be the amount of my mortgage. 

XX/XX/XXXX closing came and a notary showed up to my home to notarize the closing documents with the closing disclosure stating my mortgage would be {$1300.00}. I logged onto the Rocket Mortgage app once again to see a mortgage amount of {$1600.00}. I began calling Quicken Loans and was told that the property taxes on my current property were incorrectly calculated and that I now needed to re-close on the loan. I spoke to several associates all stating that this was the worst treatment of a loan they had seen and stated they would correct the issue. It was not until XXXX when I was told my loan had been cancelled and I still owned the ( what I thought was previous ) current lender of my home. I was informed a new loan was being funded to correct the past error. 

It was XXXX when I started speaking another associate. He was the only associate who really sounded like he was going to own my issue from start to finish. He called me and told me he would be able to fund the loan at the original amount of {$1300.00}. I have no direct complaint against him. He is included in this complaint because he knows the details of this situation. I spoke to him XX/XX/XXXX. It was on this date he informed me that my loan had aged out. I believe that my loan was closed out so as not to fund the loan for the amount promised. I believe I was deceived into the application and funding when my mortgage amount was increased and I was told there was a glitch in the system so that I would go through with the closing. I believe there has been a Regulation Z Truth in Lending Violation and this has UDAAP concerns.
Product: Credit card

I have stuff on my report that does not belong to me, i go by XXXX not XXXX