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

Unfortunately, due to XXXX and health issue in our family, I had to file for Bankruptcy. I informed Navy Federal Credit Union on XX/XX/2021, via online banking messaging center. I received a response, from XXXX XXXX, which confirmed their receipt of the message. I deposited funds into the account to assist with medical needs, and the funds were being transferred to an external account. XXXX XXXX withdrew the funds and applied 3 amounts to credit cards which I had included into the Bankruptcy. This is causing issues with my filing of Bankruptcy, as my lawyer has advised me to not make any payments on loans which are being included into the Bankruptcy, as it may affect the filing process. XXXX XXXX refuses to return the funds, which not only they should have not removed as they were notified that I am in the process of filing for Bankruptcy, but caused my external account to incur several fee 's.
Product: Money transfer, virtual currency, or money service

My money was in my cashapp and my card was charged randomly and it wasnt one time it was a continuous thing that was going on Ive contacted management and they didnt assist me as they shouldve.
Product: Debt collection

I XX/XX/XXXX I took out a loan against my house I gave them all my paperwork because I had a lawsuit filled against me and my daughters for back pay property taxes. My loan went through and they paid off my taxes. My property taxes were and insurance was to be included in payment.But in XXXX the county of XXXX filled another property lawsuit and I never received notice until they the county of XXXX Texas put up a forclorsure sign for back property taxes owed. I went to the county office and said they had not received property taxes and they were XXXX dollars again I kept telling the bank but they would not listen they were paying the wrong taxes on a different lot. In XXXX J. P Morgan took me to court and I told the judge they would not take my payments because we were under a modification but they kept giving me the run around I let the banks attorney and the judge know about the taxes and the forclorsure the county had on my home. On XX/XX/XXXX the judge in XXXX County denied the expidied forclorsure. Now it is XXXX fillies a lawsuit in civil court in the XXXX District of Texas
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, VA XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX To whom it may concern : I am writing to you because you are reporting inquiries on my credit report that I do not recall. Please see items listed below : XXXX XXXX XXXX  ( XXXX XXXX ) XXXX XXXX XXXX  ( XX/XX/XXXX ) Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

With being out of work, especially in this time of COVID-19, at times our credit card payment has been late- but still, has been payed. Chase keeps lowering our credit limit to reflect that we are now over our limit then tacks on over the limit fees, in addition to the late fees. They then report to the credit bureau that we are both late AND over the limit! If I am late on a payment, I understand paying the late fee, but 3 times now they have lowered our limit so that now we are paying additional " over the limit fees ''. This is wrong. We are still paying but with this tactic we will never get ahead, while they make more money. This is truly unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$8.00} XXXX XXXX XXXX Balance : {$150.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your response Last ( XX/XX/2022 ) that you Close MY COMPLAINT # XXXX ; XXXX ; XXXX that I sent a on ( XX/XX/2022 ) to Investigate the Erroneous Accounts : XXXX XXXX XXXXalance : {$4400.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} that are UNKNOWN to me. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days and yet the problem are still reporting in my credit file and you closed my complaint to protect my privacy. I am submitting this complaint myself and attached a copy of my Passport and Social security card to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file.
Product: Debt collection

I was not notified of this debt. I didn't receive any letters, phone calls, text messages or emails about this debt. When I was leaving the apartment ( end of lease ), XXXX XXXX I had left my forward address and they have my email address and phone number. I only found out about this debt via my credit report. I am willing to pay the debt because I was expecting the apartment to forward me the last two months ' utility bills but I didn't receive any communication to pay this debt. Hence, I was not aware of the debt, its amount, or how to pay it. I tried calling the debt collection agency yesterday ( XX/XX/year> ) and got no one. I left a voice note for them to call me back but I haven't received a call back. All my debts have been paid on time as evidenced by my credit report. I would not try to avoid paying {$130.00}. This does not make any sense. The debt collection agency is Genesis Credit Management.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WOULD TO LIKE TO FILE A COMPLAINT AGAINST EXPERIAN. THEIR NEGLIGENCE HAS CAUSED ME SUFFERING AND TARNISHED MY REPUTATION. I HAVE ATTACHED EVIDENCE FOR MY COMPLAINT, WHICH GOES INTO FURTHER DETAIL. MY RIGHTS HAVE BEEN VIOLATED NUMEROUS AMOUNT OF TIMES. EXPERIAN HAS SHOWN NO EFFORT NOR CARE FOR THEIR WRECKLENESS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX , Experian,  XXXX , an d   XXXX   XXXX   XXXX  . The credit bureaus are claiming I owe for a student loan. I have from the   XXXX   XXXX   XXXX   a  letter from them stating all student loans are cleared.
Product: Credit reporting or other personal consumer reports

There seems to be an identity theft going on with my Equifax credit report as someone tried to apply for credit card with XXXX XXXX XXXX banking institution without my consent or knowledge
Product: Credit reporting or other personal consumer reports

I paid the outstanding balance on my XXXX  account in-store at XXXX XXXX and requested that XXXX unlock my XXXX. To date, they have not done so. XXXX, XXXX has place my account in Collections. Despite the balance on the account being XXXX.
Product: Credit reporting or other personal consumer reports

1.Equifax is illegally trying to change my name by attaching a " XXXX  '' after last name. 
2. My legal name is XXXX XXXX and recently started getting prescreened credit offers for XXXX XXXX XXXX. 
3.Traced issue back to Equifax and contacted Equifax by phone XX/XX/24, Equifax verified XXXX XXXX XXXX is on my account. 
4. At some point in time Equifax has CHANGED MY NAME on credit report by '' illegally adding " XXXX '' without authorization to my credit report 5. Equifax refused to tell me WHEN they made this ILLEGAL UNAUTHORIZED change. 
6.EQUIFAX REFUSES TO PUT MY LEGAL INFORMATION BACK on report EQUIFAX without HARASSMENT AND UNNESSARY EFFORT from me by requesting a copy of social security and photo ID. 
7. EQUIFAX PLACED " XXXX '' ON MY REPORT WITHOUT MY CONSENT, WITHOUT MY PHOTO ID, WITHOUT MY SOCIAL SECURITY CARD SO WHY DO I NEED TO BE TROUBLED TO PROVIDE THIS TO CORRECT MY INFORMATION TO THE WAY IT HAS ALWAYS BEEN. 
8. I NEED THIS CORRECTED AND EQUIFAX HELD ACCOUNTABLE FOR DOING THIS AND MAKE SURE AS AN AGENCY THEY NEVER DO IT AGAIN TO ME OR ANYONE ELSE.

I WILL SUE THEM AND YOU UNLESS FIXED IMMEDIATELY AND EVEN THEN I NEED COMPENSATION FOR THIS,
Product: Credit reporting 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


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: Money transfer, virtual currency, or money service

On XX/XX/XXXX, Coinbase has put my account under review and they have my money withheld.
Product: Checking or savings account

I deposited on XX/XX/XXXX for {$1200.00} at a Chase atm and it did not reflect on my account as if I never made the deposit. Therefore I opened up a claim in hopes they would resolve my issue through their investigation. They completed their investigation on XX/XX/XXXX and denied my claim and intent on removing the provision credit for {$1200.00} by XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Allied International Cerdit Corp XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX sent me a debt collection letter saying that i owe XXXX {$71.00} i do not have an XXXX XXXX account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX been reporting to the credit bureau XXXX for months incorrect information which had me Disputing payment paid in full... l was informed to submit additional information help me. With Ongoing disputes ... il requested from XXXX such as the account paid dates reported on the Same documents instead accounts didn't have No name etc .XXXX XXXX been reporting what they felt ..I owe on account. which was paid full l don't owe. The account was XXXX. I received letter XXXX XXXX XXXX below Appolige for inconvenience XX/XX/2024 they have caused for the attached letters below
Product: Money transfer, virtual currency, or money service

As of a year ago I was no longer able to use my Zelle as I was banned due to fraud. There was no fraud occurring as it is my owner account and only wanted to use to send money. Called the bank multiple times and said there was nothing they could do called Zelle multiple times and they had the same response. Its said that I requested to remove myself from Zelle which is not true.
Product: Checking or savings account

BOA charges its Customers with Accounts that have less than {$20000.00} in them a 3 percent transaction fee on every foreign transaction used with the debit card. They have charged me thousands of dollars in fees for the use of my own money-purely because my bank account balance isnt higher and it would be higher, if they werent stealing my money for bogus fees. This policy of punishing the poorest customers with additional fees, while rewarding the wealthiest customers with no fees is XXXX XXXX, and XXXX.
Product: Debt collection

This medical bill of {$100.00} was paid to XXXX XXXX HOSPITAL and this company is ruining my credit with there false reports. It has already been a known fact that this company uses unethical and illegal business practices as a debt collector. Remove this account from my credit as it has been already paid
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian employees have been deleting my account information after XXXX XXXX sends false debts to the credit bureau. 

As shown by the pdf photos provided, there is no payment history on my Experian account member ID:XXXX for the month of XXXX, yet there is a debt balance of {$1.00} for the month of XXXX. 

( This {$1.00} amount is consistent with my on time XXXX XXXX payment for the month of XXXX as shown by the pdf photo provided ) I also have confirmation transcripts from Experian employees stating Experian deletes account info. 

Experian Dispute Department of Experian Employee : XXXX team : XXXX, Site : XXXX, Texas XXXX XXXX- 1 hour 32 minutes 39 seconds XX/XX/2020 " XXXX XXXX did not report for the month of XX/XX/2020 '' " XXXX XXXX reported to Experian before the due date was even due, and it has been like that since XX/XX/XXXX and they had been reporting on the XX/XX/XXXX of each month '' " a lot of information is missing from the report and erased from the account '' Direct line for the Dispute Department Experian agent women named XXXX XX/XX/2020 at XXXX XXXX : " XXXX XXXX reported no information for the month of XX/XX/2020. '' " Your account information has changed since the Experian agent XXXX spoke with you last week, your due dates are now noted as the XX/XX/XXXX of each month '' Furthermore, as seen by the pdf photos of Experian and XXXX XXXX, it is fact that XXXX  XXXX has sent false multiple debts to Experian for XX/XX/2020 and XX/XX/2020 which negatively impacted my credit score. 

FCRA regulations state creditors ( XXXX XXXX ) has to report accurate information to reflect on the credit report. 

XXXX XXXX is in violation of FCRA regulations as shown by the evidence pdfs provided. 

Experian employees are deleting information sent by the creditor XXXX XXXX and have erased information from my account. 
Experian also has a XXXX  XXXX system which is not providing accurate information. As shown by the pdfs, when a false debt is removed from my account, my score dropped 27 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXY account # XXXX, and XXXX XXXX XXXX account # XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This writer submitted a request for an investigation and it was a fallow investigation. They did not properly investigate my concern. Instead they submitted an email stating the dispute was final after 3 days. When in fact the creditor sent an email citing their error from inaccurately reporting my payment history. I have a copy of the email. But Experian refuses to re-investigate it.
Product: Vehicle loan or lease

I am writing to address a concerning issue regarding the title of a trailer that I recently financed through XXXX Financial. To date, I have not received the title for the trailer, and as a result, I am unable to register it in accordance with Missouri laws. 

This oversight is causing me significant financial harm, as I am unable to legally operate the trailer and utilize it for its intended purpose. I believe that this situation violates the law and is a breach of the terms of our agreement. 

If this matter is not promptly resolved, I will have no choice but to seek legal action against XXXX Financial and XXXX XXXX to rectify the situation and claim damages for the financial losses incurred.
Product: Bank account or service

I opened a business savings account ( XXXX ) XXXX on XXXX. Under which time I was informed that there will be a 9 day business hold on all checks for the first 30 days. Subsequently, made another deposit and to sign up for online, I was told that there would be a 9 day hold on all check deposits for 60 days. Informed him that was unacceptable " as a business I need to have working capital '' states where there is a 60 day. Once last check cleared closed my account, he explains that there is a {$25.00} fee for early acct termination. Explained I was closing due to the 60 days window, states well that the policy for new accounts. Called to complain and with both of us on the phone I explain that there had been no disclosure stating 60 day hold. He looked through forms and stated that I was correct, but he was not willing to refund me the {$25.00} because I closed my account based on the information that I received from him. 
I would like the {$25.00} refunded to me - this is totally taking advantage of consumers, I can bet there are more out there.
Product: Credit reporting or other personal consumer reports

Dear CFPB In addition to my previous communication per FCRA 605 ( b ) I would also like any hard inquiry deleted from my credit reports as well. All accounts are a part of my Identity Theft I am requesting to have each bureau delete with 4 days. 


I am contacting you regarding my the credit reporting bureaus regarding my credit reports. I unfortunately, learned about several accounts that is on my credit file that I have no idea of. I have NEVER opened any of the mentioned accounts and I was a victim of ID theft and asking that they BLOCK/DELETE and remove the accounts to discontinue tarnishing my credit. I have included my FTC Report listing the accounts and account numbers. I HAVE REQUESTED EACH DATA FURNISHER TO PROVIDE MY ORIGINAL APPLICATION AND I RECEIVED NO RESPONSE. 

XXXX XXXX XXXX XXXX AND HAVE BEEN OVER XXXX  YEARS PLEASE DELETE XXXX {$330.00XXXX XXXX XXXX XXXX ID THEFT # XXXX {$990.00} XXXX XXXX  THEFT {$2600.00XXXX XXXX XXXX XXXXXXXX {$1000.00} XXXXXXXX XXXX XXXX XXXXXXXX {$930.00} # XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My loan servicer is EdFinancial Services. I requested a refund of payments made during the pause on XX/XX/2022. I was informed that this would take 5 months. I followed up on XX/XX/2022 and was told again it would take between 150 and 180 days. I am concerned that my refunds and newly adjusted loan balances will not take place prior to the time I am able to request my forgiveness.
Product: Debt collection

I am a victim of unfair debt collection practices. The company XXXX XXXX is knowingly furnishing false and misleading account information in my name to XXXX and XXXX for an alleged amount of {$XXXX}. The company is stating that I owe a debt to them which I do not owe to them. I do not have any association with the company and never entered into any contracts with the company. The company should not have any of my non public personal information including but not limited to my name, address and phone number. Because I never engaged with the company, it means that my personal information was obtained without prior consent directly from me, which means it was obtained by means of identity theft and deceptive forms. These actions are ruining my credit reputation and are causing damages to my household. I will not tolerate unfair debt collection practices. I am seeking justice and remedy.
Product: Vehicle loan or lease

I leased a Tesla XXXX XXXX  ( XXXX ) from Tesla, and after returning the vehicle on XX/XX/2022, Tesla still charged my bank account {$560.00} for XXXX as if I had not returned the car. 

I have sent about 30 emails and called many times, but Tesla does not have a real person that answers any of their phones, and I had to leave voicemails. 

In reply to one of my emails, I finally received a return call from XXXX XXXX, a Lease Maturity Specialist, and she explained that there was some kind of mixup in their system, and when I returned the car, my billing account did not get automatically closed as it should have and that is why I got charged for another month. 

She said she could not refund me for the {$560.00} charge until the billing department closed my billing account. A week later, I still had not heard anything from anyone at Tesla, and I got another email saying they were going to charge my account again on XX/XX/2022, for another {$560.00}. 

I called and left another voicemail but could not speak to a real person, and no one called me back. 

I sent another email saying I want my money back immediately because it's not my fault they made some kind of mistake and I need the money. 

I got a reply email saying this : " Any overpayment will go towards your excess wear and tear as well as your end-of-term charges. '' I replied and said it was not an overpayment! They fraudulently charged me for a car I had already returned, and I want my money back now. 

I have not heard back or received my refund, and I still can't talk to anyone at Tesla about all of the problems. 

Its hard for me to believe it is legal for a company to charge me {$560.00} for something I didn't get, and while I do understand mistakes happen, the fact that I can not talk to anyone about the problem on the phone and they have not refunded me makes the whole thing look very scammy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX & XXXX XXXX
Product: Credit card

I made a loan on a chase mileage plus credit card ( I actually had thought I was doing it on a Freedom credit card, but apparently it was n't ), In any case I paid the loan off on time, but after my last payment was charged the yearly fee of {$95.00}. I wrote and told them I was cancelling the card and therefore not paying the yearly fee ( which was due after my letter cancelling the account ). I got a bill the next month ( recently ) repeating the charge and adding an interest fee. I phoned the company and was told I was XXXX days late - somehow there was a 1 month deadline after paying off the credit card and i was XXXX days short of that when I cancelled. I refused to pay and am hoping you can resolve this.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX loan was paid off last year XXXX about XXXX and it still shows a negative report, but states the it has been paid off. I would just like it off my report.