23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Overdraft fees or NSF on my checking account from XXXX. Even when my account is in the negative Im charged {$20.00}, and additional NSF fees. 
No actions have been taken. I just read a class action suit against NFCU Additionally, I filed bankruptcy in XXXX and NFCU was on my bankruptcy. I owed NFCU {$840.00}, which was discharged in my bankruptcy, thereafter they would not allow me to open and account until XXXX which was a savings only. Finally, after being a member since XXXX, NFCU will not allow me to open a rewards checking account due to my bankruptcy. Im unable to get assistance with any personal loans, auto loans or anything.
Product: Credit card

Regrettably, I was ill and unable to make a payment to my credit card. I have been a valuable Wells Fargo Account Holder for over 25 years! As soon as I found out that my account was past due, I paid the account and called customer service to explain I never received the billing statement. Additionally, I requested a late fee that was denied. I can't believe that such a multibillion-dollar bank won't show a valuable customer some grace an empathy. I will be looking closing all my accounts and moving to XXXX XXXX Bank.
Product: Mortgage

Every year I have to battle to not have my property tax to be assessed so high to the point my escrow cant cover the charges. It has gone up every year and not by a little XXXX. My porperty and home are not worth the amount being charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an attempt to correct my XXXX, XXXX, and TRANSUNION credit report ( s ). I have identified fraudulent accounts and inquiries on my credit reports and need to report identity theft. Please remove and block the accounts below. 

XXXX XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX - - {$740.00} XXXX XXXX XXXX XXXX XXXX {$900.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I am requesting for these accounts to blocked and permanently removed from my credit report ( s ). These accounts and inquiries are fraudulent, unverifiable, and violate my consumer rights.
Product: Bank account or service

I was in a business XXXX XXXX and we were approved for a loan using a CD as collateral. after the partnership dissolved, we were unable to continue paying loan and the bank used the CD to pay the outstanding balance. It has been over 7 years and the negative scar is still showing up on my credit report. It shows as a " charge off '' and has a zero balance. how do i remove?
Product: Debt collection

I currently have a collections on my credit report from Portfolio Recovery dated XX/XX/2019 in the amount of {$350.00}. I do not know who this company is, never conducted business with them and ever signed a contract with this company.
Product: Debt collection

USCB Corporation placed a collection on my credit report attempting to collect a debt for XXXX XXXX. On XX/XX/2023, I spoke with the agency and informed them debt was part of a XXXX  XXXX bancrupcy. I gave them my lawyers contact info and the agency said they woyld remove collection from my credit report. Agency has not removed collection and when i submitted a dispute with all 3 credit bureaus on XX/XX/2023, the agency informed that collection is valid. All 3 credit bureaus denied my dispute on XX/XX/2023 because the agency replied collection was valid.
Product: Money transfer, virtual currency, or money service

Dear CFPB Team, I am writing to you in regards to the permanent limitation that was recently placed on my PayPal account XXXX. I believe that this limitation was placed on my account due to a mistake, and I would like to submit a complaint to appeal this decision. 

Firstly, I would like to state that I have not violated any PayPal policies. I have always used my PayPal account in a responsible manner and have never engaged in any fraudulent or illegal activities. Therefore, I strongly believe that the limitation placed on my account is unjustified. 

Secondly, I would like to request that PayPal re-investigates my case and reviews the information provided during the initial investigation. I believe that upon review, it will become clear that there has been a mistake in the decision to permanently limit my account. I am confident that upon further review, my account will be reinstated. 

Finally, I would like to express my sincere concern about the inconvenience caused by the limitation of my account. As a long-standing PayPal user, I have always found this platform to be reliable and user-friendly. I hope that PayPal will take into consideration the impact this decision has on my ability to conduct my financial affairs and will rectify the situation as soon as possible. 

Thank you for taking the time to consider my appeal. I look forward to hearing back from you soon. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to the credit bureaus because they have a lot of inaccurate information on my credit report. I wrote my 1st letter in XXXX of 2022. They havent sent me any signatures, or gave correct information on any of my account. They are reporting derogatory on accounts I never opened. They also have a lot of incorrect information but wont remove this off of my report. 

I also attached part of my credit report that are inaccurate.
Product: Money transfer, virtual currency, or money service

Fifth-Third Securities Brokerage Account XXXX, Ohio XXXX XXXX Investment executive, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. OhioXXXX XXXX XX/XX/XXXX Deposited in CD XXXX. Contained a basket of 10 stocks issued thru XXXX XXXX XXXX. To receive annual payment based on the average performance of 10 stocks. Listed below 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 ( acquired by XXXX XXXX ). Never received explanation of fees or stock performance. We have received no payout or an explanation of why no payout. A market transaction fee of 4 % 3 % 2 % and 1 % have been applied. This investment has resulted in XXXX return ( not 1 Dollar ) in over 5 years. We have called XXXX XXXX and we have received no satisfaction, except inXX/XX/XXXX we may get our XXXX  dollars returned. There has been a bull stock market for the duration of this CD. A total misrepresentation by 5/3th bank
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. I need the following items to be updated or corrected from my report right away : XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraud alert on my credit file. Someone keeps applying for credit in my name. Ive contacted the credit bureau on several occasions. I was finally able to update my phone number. So that the companies could call me to see if I applied for credit. 
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: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

My Capital One platinum debit card was expired in XXXX XXXX, since then I have not received a new credit card. I have talked with them about sending me a new card and it had not arrived. 
In XXXX XXXX, I went to California and my wallet was stolen, so even though the card was expired, I called them to re assure myself and reported a lost/ stolen card. They re assured me they would send out a new card with a new account number. 
In XXXX XXXX, I have not received a new card, but paid my full balance and waited for a new card. 
They have called me last month and stated I have a new balance due on the existing card that was expired and had no authorization from me, especially since I did not receive a bill statement or a new card. This was billed to me account from XXXX XXXX till XXXX XXXX. 
I explained to the company and they did not have a problem the first time I called and stated that it was their mistake and I would be sent a new card. 
Today XXXX/XXXX/XXXX, I had an hour and a half call with them going through the same process and holding me responsible for charges, I never authorized, especially since in XXXX XXXX, I reported a stolen card.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they're violating the Fair Credit Reporting Act. The accounts I have listed below are causing harm to my credit report. 

According to 15 USC 1681i ( 5 ) The credit bureaus said everything was complete and accurate and I asked them if they can provide me with the proof of paperwork and they have not done that. These listed accounts found in section of Closed Accounts & Collections are listed as follows. 

Account : XXXX XXXXXXXX XXXX  account # XXXX ( Closed Account ) Account : XXXX XXXX account # XXXX ( Closed Account ) Account : XXXX account XXXX XXXX ( Closed Account ) Account : XXXX XXXX account # XXXX XXXX Closed Account ) Account : XXXX XXXX XXXX  account XXXX XXXX XXXX Closed Account ) Account : XXXX. XXXX XXXX account # XXXX ( Collection account ) Account : XXXX XXXX XXXX account # XXXX ( Collection account ) Then I asked them to provide me a description of the investigation according to 15 USC 1681i ( 7 ) and they never did.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. 

This is violation after violation after violation. This is causing me stress because I have no hope with this system.
Product: Mortgage

I have a mortgage with LoanCare, I have yet to be able to contact them. They will not accept my loan number or social security number and therefore I can not get through their phone maze and have not received tax information for the past two years. I also need a paper statement for another transaction. I would very greatly like to try and refinance with another company but literally can not even get ahold of them for the basics, let alone that.
Product: Student loan

XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX To whom it may concern : We are requesting guidance in our efforts to lower our monthly payment in our Direct Unsubsidized Consolidation Loans. We began in XXXX -- well in advance of the government resuming collection in XX/XX/XXXX -- by contacting StudentAid.gov and Fedloan Servicing.

During several phone conversations, we received conflicting information, loan officers made inaccurate statements about our income, and at points, we were given estimates for repayment plans that we could afford, only to have those double, and, in some cases, triple, once the application was processed. It felt like a proverbial bait and switch. 
In early XXXX, we wrote to the Ombudsman office explaining our situation, hoping they could help. But again, through a series of very confusing emails, XXXX, our FedLoan customer service representative, has effectively made our situation worse than when we started. We are at our wits end and dont know where to turn. 
Our correspondence with the Ombudsman office is attached. 
We are married couple in our sixties my wife is XXXX-years-old and retired and I am XXXXyears-old and hoping to retire in a few years. We took out the loans to pay for room and board for our XXXX daughters who graduated from the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX They are paying back student loans as well. 
We have been paying back our XXXX XXXX XXXX faithfully since XXXX. We are not asking for special treatment ; we do not shirk from our responsibilities. 
Because my wifes income has been reduced over the past few years and too, because I am fast approaching my own retirement, we are seeking to reduce our monthly payment. Instead, FedLoan has punished us for our efforts, increasing our monthly payment in instead of lowering it. XXXX told us we could not revert to our original monthly payment of {$1300.00} even I we wanted to. We would have been better off had we never asked them for relief. 
We are trying to do the right thing but the FedLoan response has been arbitrary and punitive. We do not know where to go from here. 
Whatever assistance or guidance you can provide is greatly appreciated. 

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

Previously I reported a fraud associated with my chase sapphire credit card. It is a {$1400.00} transaction to the online XXXX store on XX/XX/2021. 

Chase reviewed this ( two documents are attached ), without giving me any explanation, declined to admit this is a fraud. 

In this process, I contacted their customer service multiple times. The most recent one is on XX/XX/XXXX, the previous one was on XX/XX/XXXX, etc. I kept saying that I would like to provide some evidence, but they kept asking me to wait, refusing to talk more about this. I also sent them an email providing more evidence. Details are not included here as instructed. 

I am disappointed by the way they dealt with this issue, by their ignorance and carelessness. I have never had a problem with credit card companies before this, but this time I'm stunned that chase is not even trying to solve the problem for its customer. 

I wish you could help me with this case. Thank you!
Product: Consumer Loan

Have XXXX loans with Ford Credit. On monthly statements, late fees are applied after the XXXX day of the month. I have on three occasions had to submit a payment close to the XXXX day of the month, where the payment ends up getting credited after the XXXX. This month, I submitted my payment on Friday night ( XXXX day of the month ) after the XXXX cut-off set by Ford. In the recording prior to making the payment, the automated assistant says payments made on the weekend will be submitted the next business day. In this situation, there is no way to submit a payment on time. The following day I contacted Ford to see if there was another method to make the payment through an agent. The only alternative provided was to submit a payment through XXXX, which would cost {$20.00}. So I either pay {$20.00} to XXXX ( per car ) or {$25.00} to Ford as part of the late fee ( per car ). I decided to proceed with the former and save {$10.00} dollars, but with a lot of aggravation. Note, I tried to make payments on the Ford Credit website and achieved the same outcome last time. I ate the late fees last go around as I did not want to hassle with it. This time I am asking for assistance from the CFPB to push back on behalf of me and other consumers like me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts : XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXXXXXX have violated my rights. 

15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) : 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.
Product: Credit reporting

To All party involve XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 

PLEASE UPDATE MY CELL PHONE NUMBER TO MY FRAUD ALLERT XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX # XXXX XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization XXXX XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the information being reported on my credit file regarding XXXX XXXX XXXX. I have noticed discrepancies in the way this account is reported between the XXXX major credit bureausExperian, XXXX, and Equifax. 
Here are the specific inconsistencies I have identified : XXXX. Equifax is reporting a balance of {$53.00}, while XXXX and Equifax report {$220.00}. 
XXXX. XXXX is reporting the date of the last activity as XX/XX/year>, Equifax is reporting the last date of activity as XX/XX/year>. 
This conflicting information is causing confusion and could potentially impact my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), all information provided to credit bureaus must be accurate and consistent. I request an immediate investigation into this matter to ensure the information on my credit report is corrected and aligned across all bureaus. 

For your convenience, I have attached the following : A copy of my credit report from all three bureaus highlighting the discrepancies A copy of my government-issued ID Proof of residence ( e.g., a utility bill ) Please verify the accuracy of this account with the furnisher and provide me with a written statement detailing the findings of your investigation. If the information can not be verified or corrected, I kindly request that this account be updated or removed as required by law. 

I appreciate your prompt attention to this matter and look forward to your response within 30 days, as stipulated under the FCRA. Please send any updates or correspondence to the address listed above. 
Thank you for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an investigation with XXXX XXXX XXXX and Experian on XX/XX/XXXX and I still havent gotten no information back on the investigation
Product: Credit reporting or other personal consumer reports

I have made several attempts since XX/XX/2022 and every month afterwards. My last date I sent another dispute was on XXXX XXXX Experian has fail to provide me verification of proof of the bankruptcy of the name and contact person whom they said they verified with at the United States Bankruptcy Court. I also sent a letter to Experian from the bankruptcy court stated that they didn't provide no information to any credit agencies.

Experian also fail to remove addresses and names that does not belong to me.

There are several accounts that is not mines that they keep saying is verified as accurate but I have ask repeatedly for the name and number of the person they spoke with to provide this information and they have fail to do so I really need some help because I'm constantly disputing every single month and have spent plenty of money sending out certified mail to them every single month. This is affecting me for getting a house I need my credit report to be fix, updated and report accurate