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

Overdraft fees for OVER 5 months now. The money is in my account when I process important payments. I contacted Navy Federal recently and an agent told me that all of my payments sit in " pending '' for days after purchase was made. Leading me to believe my important payment was paid and I still have money in my account for other payments when that is not at all true. Every time I contact Navy federal they say the exact same thing and nothing is resolved. 
I do not have a full list of every " overdraft fee '' as this has been happening for many months but these are the most recents : 1. XX/XX/year> Returned check fee : {$29.00} 2. XX/XX/year> Returned check fee : {$29.00} XXXX. XX/XX/year> Returned check fee : {$29.00} 4. XX/XX/year> Returned check fee : {$29.00} 5. XX/XX/year> Returned check fee : {$29.00} 6. XX/XX/year> Returned check fee : {$29.00} 7. XX/XX/year> Returned check fee : {$29.00} Unfortunately, Navy federal does not let me see charges before XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, it has come to my attention that XXXX XXXX XXXX has included an unfavorable remark on my credit report, as indicated by XXXX XXXX. I want to assert that this account is fraudulent and was never associated with me. Upon conducting a thorough investigation, it has become evident that this account has been transferred or sold, and I bear no responsibility for this fraudulent activity. Additionally, the credit agency responsible for this collection has failed to verify its legitimacy, and no written communication, contact, or signature pertaining to this alleged debt has been provided. It is essential to recognize that a bill lacking a signature does not validate the debt, as anyone can send an invoice and falsely claim it as mine. In light of these circumstances, I must highlight that XXXX XXXX XXXX has violated my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). Consequently, I am requesting immediate legal action to rectify this matter by removing the account without delay.
Product: Student loan

On XX/XX/25 a payment was made for XXXX. After the payment was posted I logged in to verify my loans were paid off. On XXXX of my loans XXXX XXXX XXXX there is a negative balance of {$3400.00}. I called Mohela was on hold for XXXX hours and XXXX seconds I spoke to XXXX and she stated that she did not see that XXXX loan. I advised her that it was on their website and that i myself was looking it at. Since then they have taken off the - {$3400.00} that was initially showing when you first log in. Now you have to click on that XXXX loan to see the credit balance. So after continuing to place me on hold she said that she had to submit a ticket to try to have them refund me the {$3400.00} but couldnt give me the information on that amount or the loan. I had to advise her that my loans were initially with XXXX but have been taken over by Mohela. I dont understand how they are able to take that money but yet say they cant see it when I am clearly seeing it on my end. The fact that I could not get a definite answer to my question regarding my credit is unacceptable and the wait time to even speak to a live representative is ridiculous. I waited for over XXXX hours!!! They were very quick to cash out for their money but very slow and not helpful to get whats owed back. Its funny that after I spoke to the representative the amount that was there was taken off.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts below are reporting inaccurately. They have been reporting inaccurately for the past 4 months. XXXX has did multiple investigations, provided documentation of their investigations, and the accounts are still reporting inaccurately and illegally. By law if there is any discrepancy in accuracy or evidence of inaccuracy the accounts SHALL BE REMOVED by law. 

XXXX : Account number : XXXX is reporting derogatory when the payment history shows its in GOOD STANDING. Needs to be deleted. 

XXXX XXXX  : Account number # XXXX is reporting derogatory when the payment history shows it is in GOOD STANDING. Needs to be deleted. 

XXXX XXXXXXXX XXXX  : Account number XXXX is reporting derogatory when the payment history shows it is in GOOD STANDING. Needs to be deleted.
Product: Credit card or prepaid card

Amazon has demanded payment on their store card for charges that I didn't buy. They have not credited me for purchases that I didn't receive or did not order.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TATICS FROM EQUIFAX
Product: Debt collection

I was reported to collections by TransWorldSystem Inc. on XX/XX/XXXX. I contacted the TransWorldSystem Inc. and they advised me that XXXX XXXX reported me with Account Number XXXX, with a balance date of XX/XX/XXXX for an original amount of {$2300.00} and phone number of XXXX. 

They advised me that XXXX XXXX had XXXX account numbers under my social security number and my name. 
XXXX. Account # XXXX, address of XXXX XXXX XXXX, XXXX, TX XXXX, Reference # XXXX XXXX. Account # XXXX, address of XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, TX XXXX, Reference # XXXX It should be noted, I never visited or lived in Texas and have lived in XXXX XXXX, NJ and worked for XXXX XXXX XXXX
Product: Student loan

I am enrolled in PSLF and my XX/XX/XXXX payment was incorrectly placed as ineligible towards my loan forgiveness count. MOHELA representatives will not tell me who made this payment ineligible and why I was incorrectly placed in forbearance. Multiple representatives told me this would be corrected by XX/XX/XXXX. When I spoke with a MOHELA supervisor on XX/XX/XXXX they told me the representatives gave me false information and that the review was being done by the department of education through XX/XX/XXXX. I was told this payment will count towards my count, but i can not believe anything MOHELA says. The supervisor also told me representatives were not logging call notes and there is no record of my previous conversations. MOHELA stated they could not change my payment from ineligible to eligible. I attempted to contact federal student aid on XX/XX/XXXX but the answering service said it was unable to take calls. The federal student aid chat directed me call MOHELA. The representative would not tell me if federal student aid or MOHELA incorrectly placed the count as ineligible. MOHELA representatives are providing false information to borrowers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXAccount Name : XXXX XXXX Account number : XXXX *Account name : XXXX XXXX XXXX Account number : XXXX *Account name : XXXX XXXX Account number : XXXX *Account name : XXXX Account number : XXXX *Account name : XXXX XXXX XXXX XXXX Account number : XXXX *Account name : U S DEPT OF ED/XXXX Account number:XXXX *Account name : XXXX XXXX Account number : XXXX has 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: Vehicle loan or lease

Purchased a vehicle from U Drive Acceptance in XXXX XXXX Iowa, vehicle purchase price was {$11000.00}. Ive been working with the dealership over couple weeks waiting on the reliable vehicle that would be a good fit for XXXX XXXX XXXX 
I was pre-approved with an agreement of {$1000.00} down for a XXXX XXXXXXXX XXXX It was my first time financing a vehicle so i was trusting the dealership. After signing the paperwork i noticed the finance amount was {$15000.00} i asked why he stated that it was the extended warranty and gap insurance coverage. He said it's a requirement of being able to get financing though the bank, it was a bank standard procedure at all banks. I felt I had no choice other to accept it. As stated it was standard protocol at any dealer. 
Therefore My vehicle has had issues on day one. My warranty is already expired, I barely had it over a year I believe I was charged {$5000.00} extra for the warranty. My interest rate is 24 %. I pay {$500.00} a month for a vehicle that's breaking down. I still owe more than the agreed purchase price after paying {$7000.00} in payments. I feel scammed and taking advantage of. If I hadn't had that extra {$4000.00} on the loan I would be in a better position. I trusted them on being honest and helping me get a reliable vehicle. I feel the interest rate is ridiculously high 24 %. I'm told that my interests rate is not even legal for thar state of iowa.
Product: Debt collection

I was never notified by Sunrise Credit Services and they reported a nonpayment on my credit. I was unaware and there was zero communication or notification of any debt. I have nothing by phone, voicemail, no written attempts to collect a debt. Nothing! This is falsely and unfairly reported as I had no knowledge of this debt. This needs to be removed immediately and proper forms of communication made to make me aware of any said debt and validate the debt and if applicable to me. Please removed immediately!
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Capital One Auto Finance XXXX XXXX XXXX XXXX, TX XXXX Re : Cease and Desist Request for Debt Collection Attempts on Incorrect Debt To Whom It May Concern, I am writing to formally request that you cease all communication and collection efforts regarding the alleged debt you have been attempting to collect from me. I am disputing this debt, and I have reason to believe it is not mine.

I have received repeated and harassing communications from your office in attempts to collect on this debt, which I have no legal obligation to pay. These communications have caused me significant distress and I request that they stop immediately. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request that you cease and desist from contacting me regarding this matter. This includes, but is not limited to, telephone calls, letters, emails, or any other means of communication.

If this debt is being incorrectly attributed to me, I request that you immediately cease collection efforts and provide written verification of the debt, including the original creditor, the amount, and any supporting documentation that confirms my responsibility for this debt. I also demand that you correct any inaccurate information you have reported to the credit bureaus regarding this alleged debt.

Should you continue to pursue this matter or violate my rights as outlined under the FDCPA, I will take appropriate action, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states attorney generals office. Additionally, I will not hesitate to pursue legal action to protect my rights. 
Please consider this letter as my formal request to stop all communication and collection efforts regarding this debt. 
Thank you for your attention to this matter. I expect your prompt compliance. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am a victim of identity theft and have sent the required information to the following consumer reporting agencies XXXX, and Equifax. It has been past the 4 business days required by law under 15 USC 1681c-2 and they have yet to block the information. I also want to make it clear that this Identity theft was not made in error by me, a consumer, as stated in 15 USC 1681c-2 ( c ) ( 1 ) ( A ). I am seeking an immediate response from Equifax and XXXX reporting agencies in order to feel that this matter has been fulfilled to my satisfaction in accordance with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi was in touch with Director of Mortgages XXXX XXXX at XXXX XXXX in XXXX XXXX to be notified of rates based on my income. I confirmed to him that the information would be used from a soft inquiry on my credit information. However when I was notified by XXXX XXXX that a hard check took place by his companys third party vendor XXXX, I was unable to get a resolution for removing the inquiry from him, his staff, or other credit solution contacts he referred me to. It has been several months with no resolution or action done by his team to resolve this non-consensual hard check on my information.
Product: Credit card or prepaid card

I opened a credit card account with a 0 % intro rate in XXXX, XXXX. On my first statement ( dated XX/XX/XXXX ) was the following information : " Enjoy your 0.0 % intro APR on all purchases and, if included in your offer, balance transfers, made until XX/XX/XXXX. After that, your balance will be charged the variable APR noted in your account terms. '' On my XX/XX/XXXX statement, the interest rate disclosed was 0.0 %. The balance was {$18000.00}. I had been carrying a balance throughout the introductory period. The point of getting the card was the introductory period. I completely paid off the old balance on the account by XX/XX/XXXX and made an additional payment on XX/XX/XXXX to pay off all the new charges made on the account since the XX/XX/XXXX statement. My XX/XX/XXXX statement showed a {$0.00} balance. Except for {$280.00} in interest charges. I tried, in vain, to get Capital One to reverse the interest charge. They explained that to avoid interest, I would have had to have had a {$0.00} balance on XX/XX/XXXX. To me, I felt like the information my first statement meant that whatever balance I had on XX/XX/XXXX would be treated as if I had made a purchase on XX/XX/XXXX for the balance. Interest charges would then accrue IF I did not pay off the entire balance. But I did. 

Since I completely paid off not just my XX/XX/XXXX balance by the XX/XX/XXXX due date, but also all new charges before the XX/XX/XXXX cut-off date, I expected there to be no interest charges. 

I have paid the interest charges to avoid further complications. And closed the account out of frustration and the feeling of being deceptively cheated out of {$280.00}.
Product: Credit card

I have a XXXXXXXX XXXX XXXX credit card through wells Fargo. My name is XXXX XXXX XX/XX/year>, my previous Case number XXXX XXXX XXXX XXXX. This has been on going for months & It was brought to my attention that a checking account which does not belong to me has been being charged. Wells fargo refuses to chargeback that card unless the owner of the account charged files a dispute with their bank which is chase. i did not authroize those card payments nor did the person whos account it is. Wells fargo basically told me i have to take it up with the persons bank but i was never authorizing those charges to be paid with that account since it is not even my account and i never added it to my XXXXXXXX XXXX XXXX XXXXXXXX was my pervious case manager who was VERY good. l 100 % am open & willing to pay the bank back whatever was charged to this persons account. It has been on going for two months now & i have yet to have a resolution. I tried to be patient but it has been months & they only contact me if i reach out first. The person whos account it was has made a cfpb case against wells fargo as well & they refuse to help her get the money back into her account because she is not a Wells Fargo customer. Her case manager was XXXX XXXX who also has my info ) & the case number is XXXX. The person who's account was being charged is XXXX XXXX. We are trying to get this resolved & hoping Wells Fargo does the right thing by sending her the money that is owed to her otherwise we will have to take further actions. Wells Fargo is telling me the only way they can give her the money back is filing a dispute with chase ( her bank ) but chase wont dispute the charges. XXXX can be reached at XXXX XXXX if Wells Fargo needs to contact her to get her her money back.
Product: Student loan

Heartland ESCI took over a student loan that I have from the XXXX. The company requires a processing fee with every payment, regardless of whether you use your bank account or a credit card. The only way to avoid this fee is to mail a check ( but of course, then you still have to pay for a stamp ). I do not know whether this violates any particular consumer protection statute, but it really just seems unconscionable to me that even if I 'm using direct debit, which every other loan servicer I deal with takes without a fee, I 'm still charged for the privilege of repaying a loan.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX  - XXXX - {$4600.00} XXXX XXXX XXXX - {$16000.00} XXXX  - XXXX - {$24000.00} XXXX XXXX XXXXXXXX - XXXX - {$30000.00} Late Payment XXXX XXXX - XXXX - {$300000.00} XXXX - XXXX - {$18000.00} XXXX XXXX  - XXXX - {$1800.00} Inquiry XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXX Personal Information Name : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address XXXX es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to remove multiple inquiries that I did not approve or initiate. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EXETER FIN XX/XX/XXXX AND XX/XX/XXXX
Product: Checking or savings account

Bank of America ATM accepts checks for deposit into their financial institution and does not verify if check is fraudulent. 

On XX/XX/XXXX my mortgage loan was paid in full at XXXX. XXXX sent an escrow refund check no XXXX in the amount of {$930.00} dated XX/XX/XXXX to my sold address. The check was deposited into the perpetrator 's Bank of America savings account. ( XXXX ). 

I contacted XXXX asking for my refund check and they sent me a copy of the negotiated check. The check was cashed fraudulently and XXXX submitted a claim on or around XX/XX/XXXX to recover funds from Bank of America. As of this date, no progress has been made to recover these funds. XXXX issued a provisional credit on XX/XX/XXXX of {$930.00} to my XXXX account. That credit is temporary until Bank of America returns the funds to XXXX. 

On XX/XX/XXXX a XXXX XXXX check no XXXX in the amount of {$300.00} was posted XXXXand on XX/XX/XXXX a XXXX XXXX check no XXXX in the amount of {$300.00} was posted on XX/XX/XXXX were also stolen from that address and most likely deposited into the same Bank of America Account XXXX 

I filed a police report no. XX/XX/XXXX with XXXX Police Department. I have filed with XXXX Executive Office Complaint No. XXXX XXXX. 
The XXXX XXXXXXXX XXXX office has subpoena information on this as well. 

I am asking that Bank of America seek the perpetrator and recover the funds.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX Republic Finance Dispute of Inaccurate Credit Reporting Dockett Number : XXXX Attention Republic Finance, I am writing to formally dispute the inaccurate information you are reporting on my credit file concerning an account. This account was sold and subsequently dropped in court, yet Republic Finance continues to report this information, for months I have been told that you verified this erroneous information. Your actions are causing harm to my life, especially as the company to which you sold this account pursued legal action against me continually missing work to go to court for months, in which you did not report being in disputed status nor did you report that this has been sold to another company. XXXX and XXXX stated that you verified the information you are reporting to them. Enclosed as XXXX XXXX  and XXXX XXXX 
By continuing to report false and misleading information, you are in violation of the Fair Credit Reporting Act ( FCRA ). Additionally the actions of Republic Finance violate the Tennessee Consumer Protection Act ( TCPA ), Tenn. Code Ann . 47-18-104, which prohibits unfair and deceptive practices, including but not limited to : Misrepresentation of the information reported to credit bureaus. 
Failure to provide accurate information on my credit file. 
15 U.S.C. 1681e ( b ) : Your obligation to ensure maximum accuracy of the information reported. 
I'm sending this demand letter so that you immediately delete this inaccurate and harmful information from my credit file. Under the FCRA, I may have the right to pursue statutory damages ( up to {$1000.00} per violation ), as well as actual damages and punitive damages if it is determined that there was willful and negligent noncompliance. 
I will take appropriate action under both the FCRA and TCPA, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Tennessee Attorney General 's Office, and pursuing legal action if necessary. 
Investigate this matter and provide me with written confirmation once the inaccurate information has been removed.
Product: Credit card

My card ending XXXX total visa has a issue... XX/XX/XXXX I Auth a 1 time pmt of {$50.00} like I have done for years on this card never missed a pmt the following day I check my bank no pmt I checked the card and there was a pending charge for {$310.00} I never authorized that I called total they said it needs to post. I called back I explained what I authorized 1. The amount of pmt was not even what was due on my account I owed less 2. Never authorized 3. My pmt history was perfect I faxed a dispute per your request this is now effecting my credit score.. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

It has come to my attention that the credit Bureaus are not deleting records despite receiving a copy of the FTC report. As mandated by Section 605b of the FCRA, I am sending this complaint to establish a formal response. If you do not delete the items listed below, which are inaccurately reported due to fraud, I will forward my documents to my attorney to initiate legal action. My preference is to avoid legal proceedings, so please comply with the law. 
XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX  XXXX Balance Owed : {$7600.00} XXXX XXXX XXXX XXXX Balance Owed : {$5500.00} XXXX XXXXXXXX Balance Owed : {$810.00}
Product: Credit reporting or other personal consumer reports

Equifax showing incorrect payment data for XXXX XXXX. Stating I have 22 late payments and I only had 3.