23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : XX/XX/XXXX - XXXX - {$17000.00} XX/XX/XXXX - XXXX - {$4000.00} XXXXXX/XX/XXXXXXXX - XXXX - {$350.00} 12 XXXX XXXX XXXX - XXXX - {$660.00} Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being.

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to this matter.
Product: Debt collection

XXXX i made a payment and the company is saying they never received it.. 
WILLIAMS RUSH & ASSOCI XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXXXXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Home Depot reported to lates on my credit account and none are correct. I have asked them to provide proof or remove and I have not received any proof nor have they removed.
Product: Vehicle loan or lease

I have had a lease with Chase since XX/XX/XXXX. I have the payments on autofill for the life of the lease and never had a late or missing payment. I extended the lease in XX/XX/XXXX for 6 months and they asked me to check my account to ensure the next autopay would continue ( some times it works some times it doesn't ). I checked and the next payment in XXXX and it was scheduled as expected on autopay. 

I received a XXXX  email today and see that my score had dropped substantially. I looked at my credit report to find that Chase unenrolled me from autopay in XXXX so now I have 3 late payments. I immediately paid and called three different numbers but no one could explain this to me. After speaking with 3 more teams this afternoon they still could not explain this. 

When I view my online account with Chase there is no evidence that they're even understanding that I'm still a customer. There are no bills or invoices for the missing months, the amount of the monthly lease payment is missing. They seemingly understand that I have an online account with them but not much more. 

Chase confirmed that their process is broken and their reps don't always explain how this works correctly. Please pull the recordings from my calls with them and you'll hear it all. XXXX MST for XXXX minutes you'll hear contradicting statements regarding my account and acknowledgment of inconsistency in what they tell consumers.
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 charges and credits. This issue aligns with CFPB 's findings against Navy Federal for similar practices, where previous transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Checking or savings account

My account with wells Fargo is now closed, so not sure how to get that info. I understand there has been some unlawful activity from XXXX, and my account was closed XXXX. I had many unexplained monthly fees and often charged overdraft fees at least once a month.
Product: Debt collection

I have a man named XXXX calling from Worldwide Recovery stating he has is an attorney trying to hand me a summons at my home because of a criminal case I am named in. He said that a company has hired them to deliver the legal papers to go after me with a sheriff going to be sent to my home. He kept wanting to verify my social, and got very angry when I would not, i told them they have harrased me before, saying a sheriff would be at my house and bring me in if I did not set up an automatic payment with them, in regards to my XXXX XXXX account ( the original creditor ), they said if i did not pay today it would be out of their hands and the sheriff would be coming to my house for their client. He then started to state all my personal information that he could not have unless he pulled up my credit report which he had no authorization to do. I am not scared because I have dealt with them before, and i told him he was misrepresenting himself, he is not a lawyer he is a debt collector and he hung up on me, now I have this new guy XXXX calling and threatening me, I told them specifically do not call me back ever again, and they do every day.
Product: Checking or savings account

Starting on XX/XX/24 I deposited two checks from my husband, there was an issue with the checks so Huntington bank without even contacting me or anything froze my account. I have been receiving multiple wires as well as my tax refund to this account and Huntington bank is now refusing to give me any information on my account closure and Huntington bank is keeping my account open and just collecting my funds all while not giving me any access to my money or information. Its been two weeks now since I was told my account was being closed and Huntington still has the account open taking my funds and returning funds that I had coming into the account.
Product: Debt collection

XX/XX/XXXX I bought a jeep and financed with US Bank. XX/XX/XXXX, I refinanced with XXXX XXXX. I mailed the payoff check with my account number on the check to US Bank to the address that I always sent my payments to. 

Well, US Bank never cashed the check. They said they never received a check. I had the receipt from the post office with the tracking number that said the check was delivered on the third day after mailing it. 

Since they never cashed the check, and I had refinanced thru XXXX XXXX, I was told by US Bank that I needed to make payments to them and at the same time make payments to XXXX XXXX. Well, that just was not a option so I made my monthly payment to XXXX XXXX since they would be my new Lien holder.. 

The people at XXXX XXXX were very helpful and knew what was going on they wanted to help but there was nothing they could do until after a certain number of days to make sure the check was n't cashed. 

Then finally those days past, US Bank still never cashed the check. So I went to XXXX XXXX and signed a bond for them to cancel and issue a XXXX check.. 

Two days after I signed the bond, XXXX XXXX calls me and tells me they received a letter with the check that I mailed to US Bank. The letter was addressed to me a XXXX XXXX. The reason it took so long to locate the check was because nobody with my name worked at XXXX XXXX. 

Some how they opened the mysterious letter and figured it out. The letter that was included with the returned check said they could not apply the pay off check to my loan account because I mailed the check to the account payment address and not to the pay off address. 

Now, after about three months later and finally receiving the returned check that I canceled just days before.. US Bank added several late fees and other charges to my account that I did n't feel was fair. 

Had the person that received the pay off check applied the check to the account, it would not have been late. If that person would have mailed the payoff check to the payoff address instead of returning the check to XXXX XXXX, it would not have been late. 

Finally after talking to the guy at US Bank and emailing him copies of my paperwork and payoff check, I was told that they would remove the fees that were added to the account. 

They removed the fees but did not fix the late payments showing on my credit reports. On my credit report it shows the account status as a PAID CHARGE OFF. But it was not a charge off, it was paid off and all payments were on time. 

XX/XX/XXXX, four years later it still shows as a CHARGE OFF, so I disputed the charge off. Now, the updated the status from charge off a few years ago. Now it says CHARGE OFF IN XXXX XXXX. 

I tried again this month to dispute the charge off. And US Bank reported back to the dispute that the information is reported correct and remains CHARGE OFF IN XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I found fraudulent inquires in my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Plese remove that inquires in my credit repor
Product: Credit reporting, credit repair services, or other personal consumer reports

I have officially complained to these companies that I am a victim of identity theft. I did not open these accounts : XXXX XXXX, JPMCB CARD  XXXX XXXX XXXX XXXX XXXX XXXX XXXX And I don't believe any charges made to them are my fault. On XX/XX/2022, I had already submitted the FTC report ; on XX/XX/2022, I contested them with the three bureaus and the relevant corporations. Nevertheless, despite my attempts to fix the situation, they have yet to respond to me and continue to reject removing these false entries from my credit record.
Product: Credit card

On my Navy Federal Credit Card, I have noticed multiple charges on my card. All charges names refer to as XXXX XXXX XXXX XXXX XXXX  Which I did not authorize. Last time I was in XXXXXXXX was in XXXX and I am currently in XXXX  I called the bank to refund and cancel that credit card for a new one.
Product: Credit reporting or other personal consumer reports

I called Chase bank regarding a hard credit inquiry on XX/XX/XXXX about an inquiry dated XX/XX/XXXX that was fraudulent. I called again on XX/XX/XXXX and it still wasn't removed. Does the CFPB actually do anything? or, just another waste of taxpayer funds? I need to know who oversees the CFPB, because I'm concerned about what it is that you actually do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a citi card for over 5 years. Through the pandemic I racked up charges almost maxing may card out. I recently came across enough funds to pay the card off in full on XXXX for {$2900.00}. To my suprise, I was " locked '' out of using my card as I made too large of a payment for it to clear within 3-4 days. so they said it would take 2-3 weeks for my funds to become available. ( lets not forget the fact that I had maxed the card out due to the pandemic. I paid it off to help me, and pay back my debt ) to which I was punished for making such a large payment. I called and supported my claim as I needed to have access to those funds. had I known I was going to be forbidden to use the card for paying it off I would have made the measly {$25.00} payment ( BUT THATS WHAT THEY WANT!!!! ) so I called to complain. XXXX XXXX  the supervisor there simply said " well that's all I can do '' Literally after days of the funds becoming available, I received an email that my credit limit went down to {$500.00} from $ XXXX. I became super angry as this is PURE PUNISHMENT FOR PAYING MY CARD OFF AND NO ONE CARESSS!! I called to express my complaint and tell the rep " this needs to be fixed, I need the card back to the XXXX limit, or I want to close the card. the rep just proceededs to close my card without any help or looking into getting me my XXXX limit back. he didn't care!!! I chatted with them Monday to make sure the card wasn't reported as closed so that it wouldn't affect my credit. the rep on chat promised the card would report as closed and that I would get an email to call back and open my card. I called today, and got completely different information. I spoke to the initial rep an she stated " he was so sorry for what had happened, and that he wanted to be upfront and honest, and wanted to do the best to help me, but he would have to pull my credit again, I stated I did not wish to have my credit pulled nor do business with a company that has pulled such Nasy tricks on a good standing, on time paying consumer. when I spoke on chat, the rep stated " rest assured this will not affect your credit and you will get an email so you can call and open you card '' I followed up today to find out the whole company is a lie! if you are a good paying customer, don't do business with them, they want the poor, who makes minimun payment, to get the most $ out of you!! max your card out, we love that!! but pay it off and you are reprocussioned. I hate citi. and I chose to never do business with your company again! and I will make sure all future latinos in my community dont provide you business as we are deserving of what we worked for!! what a time to be alive and be able to speak my peace! influence is so huge ; I influence in the credit world in the XXXX community and this is completely unacceptable ; as I will not allow this to define me or a company affect my credit score negatively when they failed to do their JOB. the interest WE THE PEOPLE pay is what keeps your company afloat.
Product: Credit reporting or other personal consumer reports

Discover Bank Fraud Subject : Urgent Matter - Multiple Attempts to Address Fraudulent Charges on My Account Dear Discover Bank Fraud Department I hope this letter finds you well. I am writing to bring to your attention a matter of great concern regarding my Discover Bank Credit Card. Over the past two years, I have made numerous attempts to address fraudulent charges on my account, but unfortunately, the issue remains unresolved. 
In late XXXX, I first noticed unauthorized transactions on my Discover Bank credit card statement. Alarmed by these charges, I immediately contacted the Discover customer service hotline to report the fraudulent activity. The representative I spoke to assured me the matter would be thoroughly investigated, and the charges would be reversed. 
To my dismay, the fraudulent charges were not removed from my account, and I subsequently made several follow-ups calls to your customer service department. Each time, I was assured that the issue would be escalated and resolved promptly. However, despite these assurances, the unauthorized charges persist in my statement. 
In addition to phone calls, I have also submitted written complaints through your online CFPB, FTC, and Disputes through the credit bureaus. Regrettably, I have not received any acknowledgment or resolution to my concerns. Other than, " We have been unable to contact you, " My contact information is the same. I find it incredibly frustrating and disheartening that my attempts to address this matter have gone unanswered for so long. I am not denying the account is mine. 
I understand that resolving fraud cases can be a complex process, but Discover Bank lack of communication and action is deeply troubling. However, the current situation has eroded my confidence in Discover Banks ability to protect its cardholders from fraud. 
Please thoroughly investigate the fraudulent charges on my account and provide a detailed update on the steps to resolve this matter. Additionally, I would like to resolve this matter as quickly as possible. 
I appreciate your immediate attention to this matter and trust that Discover Bank will rectify the situation promptly. I am willing to provide any additional information or documentation to aid in the resolution of this issue. I have asked Discover Bank for statements showing itemized TRANSACTIONS for the years XX/XX/XXXX through XX/XX/XXXX, but they refused to comply. 

PS. Enclosed are a list of documents : 1. Drivers License 2. Identity Theft report filed with FTC XXXX. XXXX XXXX XXXX XXXXXXXX stating they are unable to contact me after sending multiple dispute letters.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding an inaccuracy in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681 i, which mandates a reasonable investigation of disputes. Furthermore Equifaxes actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File number XXXX ) against them for similar violations. I request that the cfpb take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of Investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

i attempted to get some quotes for homeowners insurance on my home, i was given and extremely high rate {$3900.00} per year. i asked why my rate was so high and i was told it is because of a claim i filed in 2016. I called my insurance company to question the claim and was informed i didn't have a claim. I further investigated and was directed to pull a XXXX report. Once i received the XXXX report i was able to see a claim was filed against my property on XX/XX/2016 for XXXX. I filed a dispute and then i contacted my insurance company with the information, i was informed of the person 's name. The person 's policy and address were totally different from mine, but the person is my niece, she had a tenant claim on her rental property at a totally different address, but somehow it is being charged against me. i contacted XXXX once again ( they are my agents and her agents also ) and was told that i would be held responsible but they will not remove from my XXXX report. This is cause me money and stressing me, i need to know if i need to seek legal action to have this remove.
Product: Student loan

On XXXX XXXX, XXXX I recieved a letter from USDA for a Sec 502 loan application stating that I had a ( DNP ) Do Not Pay against me from US dept of Education. I called the Federal Student Aid office to request more information to find out that my loans from XXXX were in default ; I was under the impression that my loans were charged off due to the FTC XXXX XXXX XXXX  lawsuit. I had recieved a notice by mail years ago that I was part of the settlement and had noticed the loan accounts were removed from my credit and placed as " closed account '' so from that point I thought the loans were discharged. From FSA website I filed for Borrower Defense Program on XXXX XXXX after learning these loans were in default in an effort to lift the DNP and accuaretly remove the loans per the XXXX XXXX. Per the Borrower Defense application I had requested Forbarence on the loans going forward during this process, but when I called ( XX/XX/XXXX ) Default Resolution Group to explain the situation and to ask to lift the DNP ; I was told they could only due so if I paid off the loans in full since the debt was so old and I should have not defaulted. I have recieved 12 years of XXXX XXXX returns without any garnishment or letter requesting payment of debt. My family now has to suffer from aquiring a home due to preditory lending and false claims brought against XXXX by the Federal Trade Commission. I don't feel that this should be placed against me and would request that the DNP be removed while we sort out this confusion.
Product: Debt collection

Emails dated XX/XX/XXXX and XX/XX/XXXX from XXXX XXXX. stating that I owe them a debt for {$440.00} and asking for a Credit Card. The Alleged Original Creditor was XXXX XXXX XXXX, who previously charged off the alleged debt via 1099 with the IRS and reported it as income. LVNV Funding LLC bought my charged off debt for XXXX  on the dollar from the Original Creditor XXXX XXXX XXXX, and supposedly assigned the collection of the Charged Off Debt that was purchased for XXXX  on the dollar to XXXX XXXX who is looking for the Original Amount of the Charged Off Debt in the Name of the Original Creditor XXXX XXXX XXXX. Whom I have mentioned previously CHARGED OFF THE DEBT with the IRS via 1099 forms!!!!!! I have no contract with XXXX XXXX nor LVNV Funding LLC. They are threatening me by stating they will submit a negative credit report. Which is a violation of 15 USC 1692d ( 1 ). Amongst other violations committed. I do not owe them anything I donot know who they are. They are communicating a false debt under 15 USC 1692e ( 8 ). They are communicating about me to 3rd party without my consent, which is in violation of 15 USC 1692c ( b ). They are offering 40 % off the alleged debt along with their symbol which is a violation of 15 USC 1692b ( 5 ). They are threatening me with harmful action towards well-being via credit report which is a violation of 15 USC 1692d ( 1 ). By them even communicating with credit agencies is a violation of my privacy per the Privacy Act of 1974. Let it be known that it is a fact the Original Creditor XXXX XXXX XXXX has committed Securities fraud by selling notes of consumers via their Social Security Numbers via Irrevocable Assignments. Was this apart of the original service agreement with XXXX for Cellular Phone Service. We all know the Note is the Application, which is Self Liquidating Paper with an Allonge Attached with a Blank Endorsement for Special Deposit. We the People Gave NO Such Consent to these hidden back door deals off the backs of our social SECURITY numbers. I also believe no such evidence Exists! I have taken the liberty to attach XXXX XXXX SEC Documents detailing assignment of Notes where the Tax ID or Social Security Number and Name and Address of the Assignee is listed. So now you as a third party interloper are now apart of the fracas.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion removed the fake addresses, places where I have never lived or done business, put there by identity theft. However, TransUnion didn't update my personal information to remove old addresses, places I lived more than 10 years ago. TransUnion has got an address on my credit report that is 13 years old. I have repeatedly asked and tried to update my credit report to remove the old, outdated information, but TransUnion is clinging to the old, outdated addresses, which don't reflect me, or my life, or anything about me.
Product: Payday loan, title loan, or personal loan

I receive 83 phone calls from this creditor between the hours of XXXX XXXX to XXXX on XX/XX/2018. 
Very excessive and not necessary. I was receiving phone every 2 to 3 minutes apart. I had to eventually block the number on my cell phone since I was in a work meeting at the time the calls were placed. 
I have asked to not receive calls during work hours, and advised I am available after XXXX PST. They are obviously not honoring this request. 

I have called and requested a supervisor to call me, and now I 'm not receiving a call back.
Product: Debt collection

On XXXX, I received a demand letter from a collection agency by the name of Creditor Advocates Inc dba XXXX XXXX collection agency. Their contact information, listed at the top of the letter, is the following : XXXX XXXX XXXX XXXX XXXX  MN XXXX ( XXXX ) XXXX XXXX This is not my debt. The underlying creditor is listed as XXXX XXXX XXXXXXXX XXXX XXXX XXXX, with an apparent service date of XX/XX/XXXX. I never had a tow on or around this date, and was in fact living 60+ miles away at the time, in XXXX MN. I have never even heard of this towing company until now and didn't even know it existed. 

In addition, this is the first time I have ever heard of this until now. This appears to be a possible scam or some sort of shakedown.
Product: Debt collection

True accord has stated I owe a debt of {$680.00} from XXXX XXXX. Would not give me any information as to the name and address of the originator of the debt. Made me give my information then stated I didn't live there and wanted another address.