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

In my previous Complaint # XXXX On XX/XX/XXXX I submitted a disputed with Experian explaining to them that according to my personal bank statements that I clearly show I was NEVER late with XXXX XXXX XXXX on the following dates XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I have also reached to XXXX XXXX and did not recieve any response. 

Also XX/XX/25 I submitted a disputed with Experian explaining to them that they are ruining my credit worthiness by reporting untrue loans, from XXXX XXXX Loans as 3 different loans on 3 different places on my report. THIS NOT TRUE and is unfair. The accounts have 3 different open dates and some have OPEN DATE 1 ) .XX/XX/XXXX 2. ) XX/XX/XXXX 3 ) .XX/XX/XXXX with all 3 having the same account number. Also all 3 are reporting CLOSED and CHARGED OFF with a BALANCE of XXXX or XXXX and a MONTHLY PAYMENT AMOUNT! tThey have been allowing them to fluexate the amount to increase a XXXX then decrease. Its insane!!! This shouldve been deleted long AGO! How is this ok? Payment status show current and account status shows closed!!!! I have contacted with no proof and it resulted in the other bureaus deletions.I have begged for methods of verification its been OVER 30 days since I begin to pursue this issue! it has really caused major issues. 

ON XX/XX/XXXX I indicated I DID NOT apply for credit, GIVE ANY WRITTEN OR VERBAL CONCSENT or BAT MY EYE, SEND SMOKE SIGNALS OR ANYTHING ELSE to any of these companies yet they remain on my report.I HAVE NOT APPLIED TO ANYTHING NEW! WHY WOULD I WHEN I HAVE OLD ISSUES STILL PRESENT. I have filed Police reports and placed fraud Alerts to have them removed YET they are still on my report ALONG with new inquires! This is very troubling as I am trying desperately to get my life on track. Please assist me in getting these things addressed properly.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$17000.00}
Product: Mortgage

Flagstar bank XXXX continues to show late pay history, i was never on this account and it should be removed from report or updated with no negative pay history
Product: Credit reporting or other personal consumer reports

This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

**Consumer Financial Protection Bureau ( CFPB ) Complaint** Complaint Against Navy Federal Credit Union Regarding Unfair Overdraft Fees **To Whom It May Concern : ** I am writing to formally file a complaint against Navy Federal Credit Union ( NFCU ), headquartered in XXXX, Virginia . I have been a customer of Navy Federal since XXXX, and I have recently encountered issues that I believe warrant immediate attention. 

On XX/XX/XXXX, the Bureau issued an order against Navy Federal for engaging in unfair acts or practices in violation of the Consumer Financial Protection Act of 2010. The Bureau found that from XXXX through XXXX, Navy Federal charged overdraft fees on debit-card purchases and ATM withdrawals when consumers accounts had insufficient funds at the time the transactions settled, despite members having sufficient funds during the transaction. Furthermore, it was noted that Navy Federal was aware that members were unlikely to understand these unexpected overdraft fees.

Additionally, the Bureau identified that, through XX/XX/XXXX, Navy Federal charged overdraft fees when there were delays in posting credits to members accounts from person-to-person payment networks, even when those funds appeared to be available for immediate use to members.

As a direct result of these practices, my checking account has been closed and charged off due to similar issues regarding the illegal charging of overdraft fees. This has caused significant financial distress and damage to my credit report.

I am requesting the following actions : 1. A refund of the overdraft fees that were improperly charged to my account.

2. Reactivation of my closed checking account.

3. Removal of the charge-off from my credit report.

If my request is not fulfilled within 30-45 days, I will be compelled to move forward with the litigation process to seek {$1000.00} in damages for each inaccuracy reflected in my credit report and days without my checking account being reactivated and refunded.

Thank you for your attention to this matter. I look forward to your prompt response.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security # XXXX XXXXXX/XX/XXXX
Product: Mortgage

I have previously submitted a complaint about Stearns taking principal payments, and applying them to monthly payments ( interest, escrow ). When I have asked to have them reversed ( i.e. have the money put directly to principal as I had originally instructed ), I then got a letter saying I was delinquent in payments ( as my autodraft payment was pushed back when they got my check for extra principal ). I got a response from Stearns via CFPB saying that everything was fine, I was not delinquent and I had not been reported to a credit agency. I sent another check to go to principal in XXXX, and the same thing happened- it was partially applied to a monthly payment. I called to ask them to apply it all to principal. I had to speak to a supervisor to assure that my autodraft was not messed up and that I would not again be accused of being delinquent. When I said this has happened multiple times and how do I assure payments go only to principal, I was told their payment address is a " lock box '' and it is automated, and it does n't matter what you write on it, that it is going to take it as a payment. I was given an alternate address to send principal only payments to. My question is why is this not stated in their payment instructions? Why was I not told this during my numerous conversations with Stearns before?
Product: Credit card or prepaid card

I have good reason to believe that Wells Fargo is fraudulently double charging me for a payment I made on XX/XX/2021 The dispute stems from a fraudulent balance transfer charge to my lost credit card. I have attached supporting documentation in the form of my two last credit card statements, a pdf of my card running balance as of XX/XX/2021 and a downloaded account activity spreadsheet ( from Wells Fargo ). I have tried repeatedly to settle this with Wells Fargo ; I have spoken to Wells Fargo on the phone three different times and I had an in-person meeting at the local Wells Fargo branch at XXXX XXXX XXXX, XXXX, PA XXXX. I dont know if this is an innocent error they have made or a purposeful attempt to commit fraud. In any event everyone I have spoken to at Wells Fargo is using the same distort logic to charge me a second time for a payment I have already made. 

The story begins as follows. On XX/XX/2021 I misplaced my Wells Fargo credit card # XXXX. I called them the next day and reported the lost card. They said they would close the account and send me a replacement. On the day I lost my card the balance on the card was {$2700.00}. Wells Fargo did not actually close this credit card account on XX/XX/2021 as they claim, they merely renamed it # XXXX. This renamed account # XXXX had all the previous charges of account # XXXXfrom XX/XX/2021 XXXX the current billing cycle at that time ). On XX/XX/2021 they added a charge to the account and called it a balance transfer. This fraudulent balance charge was for {$2200.00}. This {$2200.00} charge was identical to the payment I made on XX/XX/2021 for the previous months balance. Now my balance jumps from {$2700.00} to {$5000.00}, because of the fraudulent charge of {$2200.00}, which I had already paid on XX/XX/2021. Please see the attached pdf file labeled XXXX Card XXXX Running Balance XX/XX/XXXX I have exhausted all my options with Wells Fargo. They told me ; they are right and I am wrong and that I have pay the fraudulent charges. Please look into this matter and advise me.
Product: Credit reporting or other personal consumer reports

Transunion is obligated by the FCRA to report accurate account information, consumer has advised All the inquiries reported are fraud, said company had 4 days according to LAW to remove such items. Consumer filed FTC fraud report, consumer is now requesting Transunion to provide the documentation used to determine inquiry was indeed authorized by the consumer. 

Transunion has 15 days to provide me with the name of the person spoken to, documentations used, signed application with wet ink signature. Consumer is not asking for an e-oscar report. If Transunion does not have documentation to show these were in fact authorized it must be removed. Transunion and its Trustee are liable under the SEC to follow specific rules. Transunion commission file number XXXX. Trustee is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX are all liable. 

Furnishing student loans on consumer reports is a violation of privacy act 1974 and Family Educational Rights and Privacy Act 1974 I have not consent to the publishing of this private information. 

I am requesting that Transunion provide documents that they received from the furnisher in the past 30 days with my approval to publish this information. 

I will be filing IRS form 211 ( XXXX XXXX XXXX ) to audit the consumer 's account. Transunion is securitizing consumers data yet refusing to provide consumers a copy of their consumer file not consumer report. 

FORM TCR TIP, COMPLAINT OR REFERRAL with the SEC with the claim of security fraud. Transunion is furnishing information on my consumer file without appropriate notification and approval as required by law. 

IRS Form 3949-A for the IRS to audit Transunion with respect the my principal account and income Transunion is making from the sales of the principal account consumer file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began to work on my credit in XXXX and noticed that Allstate Credit Bureau was reporting an account from a previous lease at XXXX XXXX XXXX in XXXX, Michigan. I moved out and after a shooting occurred that caused damage to my apartment. I requested that the repairs to the property be made directly after this incident. It took the property management nearly XXXX months after the incident to make repairs. This did not happen until nearly XXXX of XXXX. At that time due to personal safety, health, and mental health concerns, I left the property and gave notification in XXXX. I allowed an appropriate time for resolution and repairs. Because the property management failed to provide a " safe '' and " inhabitable '' living space, I gave written notice of my wish to terminate my lease. It was only AFTER I submitted this written request that repairs were performed 3 days later. 

Their failure to make the space " safe '' after a shooting, as well as " inhabitable '' after the shooting in a timely manner is a CLEAR violation of the Michigan XXXX and XXXX Rights. Because of this violation, I demand that my previous lease be broken without any financial and/or credit worthiness penalty to me. And removed from ALL CREDIT REPORTING AGENCIES.
Product: Mortgage

I have been denied a Modification due to the Servicing Company 's admitted error and slow processing time.
Product: Mortgage

The personal information that I provided to AmeriSave Mortgage Corporation ( AmeriSave ) was disclosed as part of a recent security incident involving the compromise of my personal information leaked during the over 4-month period it took Amerisave to complete my refinance ( Loan XXXX ). 

During the month of XXXX credit was applied for in my name to purchase a XXXX  XXXX from XXXX XXXX  XXXX and from XXXX/XXXX XXXX XXXX XXXX. 
An auto transport and auto insurance policy were both secured with my credentials. You have been the only company to have accessed as well as obtained all of the information to which this individual has access. 

I am writing this email to lodge a formal complaint and to instigate an investigation as to how my credit and credentials were compromised by your corporation. Data breaches are nothing new to Amerisave.
Product: Credit card

Subject : Concern Regarding Expired XXXX XXXX  Points Dear, I am writing to express my disappointment and concern regarding the expiration of my XXXX  XXXX  points. I recently discovered that XXXX points, worth approximately {$160.00}, have expired from my account due to inactivity. 

# # Key Points : 1. I transferred these points from my Chase Sapphire account to XXXX  XXXX. 
2. I was unaware that the points would expire after one year of inactivity. 
3. Upon contacting customer service, I was informed that the points could not be reinstated. 

# # Request for Reconsideration : As a loyal XXXX customer, I kindly request that you reconsider your decision and make an exception in this case. I believe that : 1. The expiration policy for transferred points may not be clearly communicated to customers. 
2. Loyal customers should be given more flexibility or warning before points expire.

3. The value of the expired points ( {$160.00} ) is significant, and their reinstatement would greatly appreciate my continued loyalty to XXXX. 

I hope you can understand my position and consider reinstating my expired points as a gesture of goodwill. I value my relationship with XXXX and would like to continue being a satisfied customer. 

Thank you for your time and consideration. I look forward to your positive response. 

IHG Rewards Member email : XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash app Block Inc. Due to inadequate customer service service and unfair practices which violates the Comsumer Electtonic Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address Fraud on their plattform leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

I received two scam likely calls from XXXX. I received a third call today from a XXXX asking to speak with me. I responded with this is he and she asked to verify personal and sensitive information. I asked what this was in reference to and could I have the name of the creditor and she began to berate me, yell, and then hung up. I called back and the phone line says they are closed. 

I cant figure out what debt, if any, that I owe. I need help desperately. Thank you
Product: Payday loan, title loan, personal loan, or advance loan

I have asked XXXX by both a Chat and phone calls multiple for their address to send payments in. They have confirmed the address multiple times but they reject every extra payment my bank has sent them. All of my extra weekly payments to help bring my loan down have been kicked back. I have the correct address per their website and their chat and phone calls but they refuse my extra payments. They wont let me pay more to bring my loan amount down. Feels like fraud!!! I am including images of the most recent payments that got rejected however I have the bank records that show theyve rejected ALL of my extra payments.
Product: Debt collection

I have been called four times in  two  hours just today  XXXX / XXXX /  XXXX   alone. The company that has called me repeatedly is Phoenix financial services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Closed account with consumer in XX/XX/2019. I ordered furniture from a merchant who delivered the wrong items. I contacted the store associates and managers about the wrong items being delivered to me and was told I will get the correct order delivered within 2weeks. After 2 weeks passed I contacted the funiture store and was told to contact XXXX. XXXX was not helpful and told me that The account would be closed but I would not get any refunds. XXXX is still reporting inaccurate information on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I applied for the Chase Freedom card with Chase bank. I received a call later that day asking me to call XXXX ( XXXX ) XXXX to verify my identity. I then called and verified my identity. After that point, I would frequently call their credit application status number, XXXX ( XXXX ) XXXX, and the automated voice would only say " your application is being reviewed, you will be notified of a decision within x business days ''. On XX/XX/XXXX, I called Chase customer support at XXXX ( XXXX ) XXXX and asked them if my application should have received an answer by this point. The male who answered simply said, " oh yes they definitely should be getting back to you by the end of this week ''. I waited until the end of the week and received no response. On XX/XX/XXXX, I started calling multiple Chase customer support numbers and spoke to at least 4 different people. None of them were able to help and they all said " your application is expired since it is past the 30 days ''. I kept trying to explain that the error was not on my part, I did everything that was asked of me. None of them transferred me to someone who could help. I understand they could not help me due to the application being expired however, I was not able to speak to any supervisor that could help my situation. I can not apply for this credit card again because that would be a second inquiry on my credit within the last 60 days. I am upset that they are not able to help my situation at all considering I did everything that was asked of me and I reasonably followed up with them in the days approaching the 30-day mark.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXX/XX/XXXXXXXX ALL OF THESE CREDIT INQURIES WERE DONE, WITHOUT MY KNOWLEDGE.
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 , 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my most recent credit report. Upon review, I found an account that is not mine and is being incorrectly reported on my credit report. The account is with XXXX XXXX XXXX with a balance of {$3700.00} and an original creditor of 09 XXXX XXXX XXXX XXXX. This account is not mine. It may belong to my father who has the same name. Since we are estranged I have no way of knowing.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXX{$26000.00} XX/XX/year> My information may have been impacted by the XXXX Data Breach and XXXX Data Breach may have got into the hands of the wrong person 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the Banking system ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, creditstanding, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 U.S. Code 1666b - Timing of payments ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 davs before the nament due Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists
Product: Student loan

Since XX/XX/XXXX I have been enrolled at XXXX XXXX XXXX XXXX taking pre-requisite courses to seek entrance to XXXX school this coming fall. Last fall, XXXX XXXX automatically placed my loan into deferment based on my enrollment status. This Semester I am only taking a single course which dropped my eligibility below half-time ( I was unaware of the time requirement as I had never specifically applied for the deferment ). 

On XX/XX/XXXX, I received an email stating my deferment had been lifted and my payment was due ON XX/XX/XXXX, the same day as the deferment was lifted.I called in to discuss, and I was informed that because my account had direct debit established the payment was pulling the same day I received notification. No billing statement was ever generated in violation of the Fair Credit Billing Act. The payment did not auto-pull as I had been told, but my account is now showing as past-due because I failed to make a payment on the same day a deferment was lifted with absolutely no advance warning and no billing statement generated.
Product: Money transfer, virtual currency, or money service

Hello, I have been using Coinbase for the past 2 months. I was able to buy, sell and move digital currency without issues. Suddenly they start to ask for additional information and now they are withholding around USD XXXX of my money on the USD wallet. I can not transfer to my bank account, can not buy cryptocurrency, essentialy I have no access to the money. Ive created a case with them # XXXX on XX/XX/XXXX and no response. The customer support is awful.