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

These are the injuries that are showing up on my Credit Report, I have no knowledge of giving them permission to check my credit, I have been given the run around by the Credit reporting Agencies and my letters to both the companies and the reporting agencies has not been addressed, the list date and addresses are as follows ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I should have XXXX hard inquires I have not applied for any credit these inquires were not authorized by me they are fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to get GAP credit card to stop reporting my closed account. It is closed on my XXXX credit report as of XX/XX/XXXX. It is an expired credit account. The second time now that I disputed it they are now adding 6 more years and it will not come off until XXXX. I never paid this account late and closed this on my own. Also, the high balance is higher than what they said my limit was which is not true. I need this off all my credit reports but people at GAP keeping it on there. WHY???
Product: Checking or savings account

On XX/XX/year>, I made a credit card payment in the amount of {$120.00} to Wells Fargo thru their automated system. The amount was validated by a follow up call to a Wells Fargo Rep. Upon checking my account two days later, I found that Wells Fargo had withdrawn {$1100.00} from my XXXX XXXX XXXX account. I called Wells Fargo to report the error, but they refused to process a return of the unauthorized {$1000.00} withdrawal back to my account. I was told that Wells Fargo would take eleven days to look into reversing the error. It only took two days for Wells Fargo to make the withdrawal, eleven days is too long to get my money back. I do believe that this problem was intentionally created by Wells Fargo to fraudulently booster their year-end performance otherwise known as cooking the books and is a violation of the Unfair Trade Practices Act as well as violation of the Unfair Debt Collections Practices Act. I want my money refunded with interest as well as payment for damages incurred by the loss of funds now unavailable to meet my other outstanding obligations caused by the error of Wells Fargo.
Product: Credit card or prepaid card

I am writing to dispute an issue with Comenity Bank in regards to a credit card account that has been inaccessbile for months. I received emails notifying me that a payment is due, however, the system won't let me in because the phone number or website has not been working for months and in addition they are erroneously charged late fees for months. I have called the Customer Support number and inaccessible to customers I would like this corrected, late charges refunded as soonest possible and be able to speak to an agent to close the account as well.
Product: Checking or savings account

XXXX XXXX I was charged {$100.00} from XXXX onto my Chime credit card. which I disputed and while it was being investigated XXXX charged me a duplicate unauthorized charge which took place on XX/XX/2021 on my Chime debit card. I immediately disputed this second charge and was given a temporary credit until the completion of the investigation. Which was reversed and funds were deducted from my bank account. 
The third duplicate charge took place on XX/XX/2021, from the same merchant XXXX for exact same amount. Which was also denied. I have called multiple times and emailed requesting the documentation used to reach a decision that charges were indeed made by me, I have asked for a simple receipt to show the origin of charges. I have not received any proof yet.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XX/XX/2024 Federal Trade Commission ( FTC ) Securities and Exchange Commission ( SEC ) Consumer Financial Protection Bureau ( CFPB ) Federal Bureau of Investigation ( FBI ) Internet Crime Complaint Center ( IC3 ) Subject : Formal Complaint and Request for Investigation XXXX  Fraud and Unjust Account Closures Dear Sir/Madam, I am submitting this formal complaint regarding significant financial losses due to cryptocurrency fraud and the subsequent unjust closure of my business and personal accounts by major financial institutions. I urge your agencies to investigate these matters and take appropriate enforcement actions. 

XXXX. XXXX Fraud Over {$80000.00} Lost I lost a total of {$80000.00} across multiple platforms, including Cash App, XXXX, XXXX, XXXX, and XXXX, due to fraudulent XXXX transactions. 

Cash App alone facilitated losses of approximately {$60000.00} over XXXX years. 
The fraud involved non-American, unregistered entities that should not have been permitted to transact on these platforms. 
Despite reporting the fraud, Cash App closed my account instead of taking corrective action, claiming they could not reverse the XXXX transactions. 
These platforms failed in their regulatory and compliance obligations to protect consumers from fraudulent activities. 
XXXX. Unjust Account Closures by XXXX Banks XXXX XXXX XXXX fraud, XXXX XXXX  XXXX and XXXX XXXX closed my business accounts, citing XXXX transactions. XXXX is also in the process of closing my personal account, where I receive my paycheck. 

These closures have severely impacted my ability to conduct business and maintain financial stability. 
As a XXXX XXXX and XXXX veteran, these actions have unfairly targeted me and caused undue financial hardship. 
I believe these banks acted without due cause or proper investigation, violating fair banking practices. 
Requested Actions : Federal Investigation into the Fraudulent XXXX Transactions How were these unauthorized transactions facilitated, and why were proper safeguards not in place? 
Review of Financial Institutions Compliance with Anti-Fraud and Consumer Protection Laws Did Cash App, XXXX, XXXX, XXXX, and XXXX violate financial regulations by allowing transactions with unregistered entities? 
Inquiry into Arbitrary Business and Personal Account Closures Did XXXX XXXX XXXXXXXX, XXXX XXXX, and XXXX violate fair banking practices by closing my accounts without due process? 
Restitution and Corrective Action I request intervention to recover lost funds and reinstate my closed accounts.

I have exhausted all internal dispute resolution options with these companies. Given the severity of my losses and the systemic issues involved, I ask that your agencies urgently investigate these matters and provide guidance on the next steps. 

I am available for any further information or documentation required. Please confirm receipt of this complaint and provide an update on the status of my claim at your earliest convenience. 

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

XXXX, Equifax and XXXX  are reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these account or if this account even belong to me. I have sent 6th dispute letters to Equifax, XXXX  and XXXX  since XXXX XXXX asking them to investigate this account and I have not yet received a written response or see any updates on my credit report.
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. 

Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I would like to dispute these hard inquiries that has shown up on my credit report : Here is the reason why XXXX. XXXX ( I am not certain who this is? ) XXXX, OH Inquired on : XX/XX/XXXX I did not give this company my permission to look inside my credit. I have not applied for any loans, credit card or any of the sort. There is no amount to report 2. XXXX Inquired : on XX/XX/XXXX I did not give permission for this business to look inside my credit I have not applied for any loans, credit cards or any of the sort There is no amount to report
Product: Credit reporting or other personal consumer reports

Please remove the following inaccurate names on my credit report due to Identity Theft XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX. Please also remove the following Addresses I do not recognize XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX PI XXXX, FL, XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX  XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL
Product: Vehicle loan or lease

My loan account with BMWF is now current, it was past due and late charges totaling the amount of {$110.00} were added to it during the time the account became delinquent. I was facing a hardship and have now brought the account current, the next payment is due on XX/XX/28. I am without a phone and have been sending secure messages to BMWF in regard to payment ( s ), the last message requested a credit in late charges which are quite high, {$110.00} total if I am correct. I requested a full or partial credit in fees and was denied, the rep referred to a one time credit in the past of a late fee, which I do not recall the rep stating it was a one time credit at the time. In fact, I am quite positive the rep did not state the credit is one time. I request a partial, if not full refund of late fees since I am now currently paid up until XX/XX/28.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is a " for profit '' Holding company that does not disclose, they portray to Credit Bureaus, that in fact their subsidiary XXXX XXXX is a collection agency ( and has never stated that we are working with XXXX XXXX ... their actual and sole collection branch ). Never has an agency ( XXXX ) on the phone or in writing explained that they are a collection agency. The following is the dispute letter I sent to all three major Credit Reporting Agencies ( XX/XX/XXXX ) : Transunion, XXXX, XXXX  ) Dispute 1 Unfair Business Practices : reported as in collections Source of dispute information : XXXX obtained our balance from XXXX XXXX XXXX. and immediately reported this as in collections without our knowledge of this action. We were not told or informed that we needed to pay the full balance or that we even owed XXXX. Failure to make full disclosure is unfair business practices, and bad faith. We began negotiations through an agent ( XXXX XXXX ) and after months of their ( XXXX XXXX ) inaction we agreed to payment and have made current payments. XXXX agreement to the monies we pay monthly are in direct conflict with the agreed upon payment plan - as they report us as " in collections ''. How can they report us as in collections, when they in fact made the recommendation for the payment plan and have agreed to said plan ... and never once have they said they are a collections agency? 
Type of disputed information : Access to the credit bureaus by XXXX while willfully reporting us as in compliance to our agreement to said payments and portraying to the credit bureaus we are in collections ( never to us ) is bad faith. XXXX is unfairly reporting us when in fact we are making the agreed upon payments and payment plan. 

This practice to not have a systematic program to notify consumers that they are a collections agency is another instance for bad business practices. 

They have been sited in the past by the XXXX  in XXXX for not having solid ( Final Report XXXX ) process or procedures. Page 6 of that report calls out for XXXX to ( Recommendations 1.2 ) " Develop procedures to ensure ... for allowable ... activities. '' This shows and identifies they continue poor business practices and is indicative of a culture whereby the interest to be fair and impartial to/with consumers is concerning and bad faith.
Product: Credit reporting or other personal consumer reports

( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax inaction violates federal law and my rights as a consumer. These are the accounts that I have reported as inaccurate : 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
Product: Payday loan, title loan, or personal loan

I was not expecting to pay for this long I was in need of a few hundred dollars to pay my rent so that me and my children would not be left out in the cold streets of Minnesota. I was not told of the interest when I talked on the phone with the person and was told that I could pay it off in full one I have the chance but it would me less. The interest rate is not what I was told it would be on the phone. once I received the documents the loan was already processed and I could not get out of it. Now I am struggling even more to pay my monthly bills because they are taking out XXXX every two weeks.

Pmt Order Due Date Beginning Balance Principal Balance Payment Amount Interest Ending Amount Payment Status Delinquency Status 01XX/XX/XXXX {$470.00} {$43.00} {$110.00} {$72.00} {$430.00} Regular Current 02 XX/XX/XXXX{$430.00} {$0.00} {$110.00} {$110.00} {$430.00} Regular Current 03 XX/XX/XXXX {$430.00} {$0.00} {$110.00} {$110.00} {$430.00} Regular Current 04 XX/XX/XXXX{$430.00} {$0.00} {$110.00} {$110.00} {$430.00} Regular Current 05 XX/XX/XXXX {$430.00} {$0.00} {$110.00} {$110.00} {$420.00} Regular Current 06 XX/XX/XXXX{$420.00} {$0.00} {$110.00} {$110.00} {$420.00} Regular 07 XX/XX/XXXX {$420.00} {$0.00} {$110.00} {$110.00} {$420.00} None 08 XX/XX/XXXX {$420.00} {$1.00} {$110.00} {$110.00} {$420.00} None 09 XX/XX/XXXX{$420.00} {$1.00} {$110.00} {$110.00} {$420.00} None 10 XX/XX/XXXX {$420.00} {$2.00} {$110.00} {$110.00} {$420.00} None 11XX/XX/XXXX {$420.00} {$2.00} {$110.00} {$110.00} {$420.00} None 12 XX/XX/XXXX {$420.00} {$3.00} {$110.00} {$110.00} {$410.00} None 13XX/XX/XXXX {$410.00} {$4.00} {$110.00} {$110.00} {$410.00} None 14 XX/XX/XXXX {$410.00} {$5.00} {$110.00} {$110.00} {$400.00} None 15 XX/XX/XXXX {$400.00} {$6.00} {$110.00} {$100.00} {$400.00} None 16XX/XX/XXXX {$400.00} {$8.00} {$110.00} {$100.00} {$390.00} None 17 XX/XX/XXXX {$390.00} {$10.00} {$110.00} {$100.00} {$380.00} None 18XX/XX/XXXX {$380.00} {$13.00} {$110.00} {$100.00} {$360.00} None 19 XX/XX/XXXX{$360.00} {$17.00} {$110.00} {$99.00} {$350.00} None 20 XX/XX/XXXX {$350.00} {$21.00} {$110.00} {$94.00} {$330.00} None 21 XX/XX/XXXX {$330.00} {$27.00} {$110.00} {$88.00} {$300.00} None 22 XX/XX/XXXX {$300.00} {$34.00} {$110.00} {$81.00} {$260.00} None 23 XX/XX/XXXX {$260.00} {$44.00} {$110.00} {$71.00} {$220.00} None 24 XX/XX/XXXX {$220.00} {$55.00} {$110.00} {$60.00} {$160.00} None 25XX/XX/XXXX {$160.00} {$70.00} {$110.00} {$45.00} {$97.00} None 26 XX/XX/XXXX {$97.00} {$97.00} {$120.00} {$26.00} {$0.00} None
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 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: Credit card

I was making a payment on my XXXX XXXX on XX/XX/XXXX and accidentally selected the wrong method paid as my bank account and other credit card are saved in the same list of payment methods. I was unaware that I made this error. Later on I seen that a payment was rejected. I then realized what had happened but didn't think anything about it due to me paying my balance daily and it being caught up. On XX/XX/XXXX I get on my synchrony account page to see that the account was closed. I reached out to see why and that's when they told me the problem. They gave me no warning and no chance to reopen my account. This account is very important to me due to it being the way I pay my phone bill and all my groceries and gas. I have a great credit history and no late payments for years. This was not intentional. The customer service would not work with me and treated me like trash. I'm hoping something can be done about this.
Product: Debt collection

On XX/XX/XXXX I reached out to a company named XXXX. XXXX, I request validation for the collection account reported to my credit report in the amount of XXXX XXXX The collection has been reported as a past due balance. I contacted XXXX. XXXX to provide me with any business contracts we may have together. I have attached the fraudulent document that they forged non existing addresses that does not belong to me. And I see why, Moving forward today XX/XX/XXXX on my credit report and theres this new company by the name of SOURCE RECEIVABLES MANAGEMENT, that has now bought the fraudulent account and is reporting to my credit report. In Violation of 15 CODE 1692, 15 US CODE 1692 ( d ), 15 US CODE 1666, 15 US CODE 1681 SECTION 604. These agencies are taking turns helping to damage my reputation, I am in distress knowing that Ive tried numerous times to communicate with these agencies and Ive not gotten the help I need. I do not know this company. I have never done business with this company. In accordance with the fair credit reporting act : SOURCE RECEIVABLES MANAGEMENT, has violated my rights.

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

Violation of 15 U.S. Code 1692j, Re : 15 US Code 6801 : States that It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information.
Product: Debt collection

I sent them a letter to not call any phone numbers, home, work and cell. 
Now they are calling my employer and leaving detailed message about my debt. 
XXXX XXXX XXXX ext XXXX ... ... told them on the phone twice to stop calling me at work. Time to report them for harassing me at work when told not to.
Product: Credit reporting or other personal consumer reports

MY IDENTITY WAS STOLEN IN CREDIT ACCOUNTS, STORE CARDS, CAR LOANS ETC WAS OPEN WITHOUT MY ACKNOWLEDGEMENT I HAVE FILED A POLICE REPORT ALONG WITH AN IRS IDENTITY THEFT REPORT ALSO REPORTED IT TO XXXX XXXX
Product: Debt collection

During the height of COVID 19 I was off a lot due to COVID exposures at work seeing I worked health care the car broke down and couldn't get it fixed due to my income being affected from being off multiple times at 14 days at a time I had a car alone through credit acceptance which was weird from the get go they wouldn't approve me for a cheaper car that I could pay off most of with my down payment but would a mor expensive XXXX XXXX  I was told that they would contact me with what ever was owed on the surrender vehicle after it was sold at auction well I never received any letters or anything the only letter I received was a law suit notice from XXXX XXXX  and XXXX XXXX XXXXXXXX this is XXXX and poorly mishandled by credit acceptance when I spoke to the guy on why I didn't get anything about the XXXX he tried to say they didn't have my address but miraculously had my address to send the debt collectors law suit paperwork