23daVinci/CFPB_Complaints huggingface dataset:
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 transaction 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 Credit Union for similar practices, where transactions settled with sufficient balances despite initially available funds. I believe these practices are unfair requests and request an investigation into my account transactions.
Product: Money transfer, virtual currency, or money service

On or about XXXX XXXX, XXXX Square Inc ( aka XXXX XXXX processors ) revoked my access to funds charged for therapy services from my company. I have been a client of Square since XXXX and even have a business loan from them as proof of our stability as a legitamite company. On this day approximately {$4800.00} was in the XXXX account and was shut down unexpectedly citing " fraud. '' I am a small business owner and have independent contract therapists to pay and was told I would have to wait indefinitely for fraud investigation to take place and may or may not receive my money sometime in XXXX or XXXX. I can not run my business this way and have since transferred my credit card processing services to XXXX XXXX banking where I also have my business accounts. Please someone help me. I am frantic over this and don't understand why after all of this time as a Square client this happened. I am not able to see my funds in the account any more and most recently my rights to my account were cut off so I have XXXX access to my funds. Thank you for anything you can do to help me. Sincerely, XXXX XXXX, XXXX, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to address a matter of concern regarding the reporting of late payments on my credit report. After a thorough review of my financial records, it has come to my attention that there are inaccuracies in the information you have reported. 

I kindly request that you promptly investigate and remove these late payments from my credit report. I believe that correcting this discrepancy is crucial to maintaining the accuracy of my credit history. I have made multiple attempts to resolve this matter with your organization, but regrettably, no satisfactory resolution has been provided. 

Furthermore, I would like to bring to your attention the arbitration provision outlined in the loan agreement. As a consumer, I am fully aware of my rights under this provision. In the event that the reported late payments are not rectified within a reasonable timeframe, I am prepared to exercise my right to initiate arbitration proceedings. 

Please be advised that pursuing arbitration would not only incur significant costs for XXXXTransunion , including attorney fees, an initiation fee, a case management fee, and an arbitration fee, but may also result in additional fees throughout the arbitration process. It is my sincere hope that we can resolve this matter amicably and avoid the unnecessary expenditure of resources. 

I believe that cooperation in this matter is in the best interest of both parties. I kindly request that you acknowledge receipt of this letter and provide a timeline for the resolution of the aforementioned issue. Your prompt attention to this matter is greatly appreciated. 

The arbitration necessitates that both parties share the associated costs. While I understand that this will result in financial burden for both of us, it is essential to recognize that the fees involved in arbitration can be significant. I anticipate that XXXXXXXX XXXX  XXXX will incur XXXX  of dollars in attorneys fees, an initiation fee is {$360.00} or more a case management fee of {$1400.00} an an arbitration deposit fee of {$1500.00} among other costs. Given the substantial financial implications, it is in the best interest of XXXX to take immediate actions to resolve this matter I remain open to an amicable resolution and kindly request that you promptly investigate and rectify the late payment issue on my personal loan account. I trust that a fair resolution can be reached to the satisfaction of both parties. 

Please consider this letter as my final attempt to address this matter outside of arbitration. If I do not receive satisfactory response within [ reasonable time frame, e.g., 15 business days ] Thank you for your understanding and cooperation. 

Sincerely, [ XXXX XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2015, I took out this loan for XXXX XXXX. I signed a master promissory note. Per my contract, the alleged debt was paid for using a negotiable instrument which is my promissory note. According to 16 CFR 433.1,2,3, a promissory note is a promise to pay and my social security number was used to extend credit for this note meaning this is already paid for. Title 18 states all alleged debts are the obligation of the united states. I am invoking my rights as a federally protected consumer and debtor.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, XXXX and XX/XX/XXXX US BANK XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 
On XXXX. XXXX, XXXX, XX/XX/XXXX and XXXX. XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX and XXXX. XXXX, XXXX, XXXX XXXX, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX and XXXX. XXXX, XXXX, XXXX  XXXX, XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

I was denied credit by XXXX XXXX Bank due to the credit report supplied by the credit reporting agencies. 
I have repeatedly asked XXXX, Experian, and XXXX to update my credit report AND my FICO credit score due to their repeatedly failure to provide me with maximum accuracy of my credit reports per 15 USC 1681e ( b ). I have filed complaints regarding this issue since 2000 and my FICO credit score continues to suffer due to XXXX, XXXX, and Experian 's reckless and negligent actions. I have also repeatedly asked for XXXX, XXXX, and Experian to send updated FICO credit scores yet I have not received them and/or they want payment for the FICO credit scores. The current scores are inaccurate and do not reflect the updates and changes to the credit report that reflect " maximum accuracy '' under 15 USC 1681e ( b ). 
Due to XXXX, Experian, and XXXX repeated failures, negligence, carelessness, and recklessness to properly care for and safeguard my personal information and credit report, as well as XXXX, Experian, and XXXX not maintaining maximum accuracy with my credit reports, I have suffered severe financial damage by being denied personal credit and small business credit. I have also had my personal information stolen while my personal information was under the care of XXXX, Experian, and XXXX, multiple times in the past 8 years. My personal information and credit reports are unsafe yet I am being severely damaged and being discriminated against by continuing to be denied credit because of the inaccurate credit reports supplied by Experian, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I submitted a complaint through the CFPB portal, complaint number XXXX, regarding XXXX investigation into accounts showing on my credit report with data furnisher Phoenix Financial Services. XXXX  responded to the complaint on XX/XX/2021 stating the data furnisher, Phoenix Financial Services responded and verified that the disputed information was accurate as reported. I never received any response or documentation from Phoenix Financial Services showing the alleged debts and alleged accounts to belong to me. XXXX also stated in their response that the results summary was sent to me for my review on XX/XX/2021. I received a response from XXXX  online although I sent dispute letters in writing. 

In XXXX  online alert on XX/XX/2021, XXXX stated The account that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to XXXX  that the information is accurate. I also received an alert dated XX/XX/2021 that the account with Phoenix Financial Services that starts with XXXX has been updated. 

I sent a letter dated XX/XX/2021 to XXXX  requesting verifiable proof that they have on file including the original contract containing my signature be provided to me. If the accounts were indeed verified with Phoenix Financial Services there should be an original contract on file with XXXX  or Phoenix Financial Services that contains my signature that I should be able to view myself according to the FCRA. The dispute letter I sent to XXXX  dated XX/XX/2021 is what resulted in XXXX response on XX/XX/2021 although online XXXX  shows my dispute with a Date Submitted of XX/XX/2021. 

There have been no contracts or any documents at all bearing my signature, for the alleged debts, provided to me by Phoenix Financial Services or either of the 3 major credit bureaus. Documentation without a written signature does not validate the debts and anybody can send a response or furnish any information and say it is mines. According to the FCRA, XXXX  and Phoenix Financial Services have violated my rights as a consumer and I am requesting legal action to remove these accounts immediately from XXXX  and any other bureau these accounts have been reported to.
Product: Debt collection

This debt was originally with XXXX XXXX. 
Portfolio Recovery Associates / XXXX has violated FDCPA. They are illegally reporting incorrect information on my credit report and taking advantage of me. I never used their service. XXXX XXXX XXXX was a loan for dental work in XX/XX/15. I signed for a loan and I did not ever receive any dental services, and so I did not use the loan. I was called by the XXXX XXXX, and tried to explain this to the receptionist. It was not resolved and I did not know what to do, so I left it as it was. Later, I received collection notices and I finally got educated on disputing debts on a credit report. So, I wrote a letter to the Debt collector stating that I did not use the loan and would not be paying for services I did not receive. They sent a statement with the loan total, but not an itemized list of any services I received. I responded by writing that this statement did not prove that I received any services. Recently, I received a letter stating that the debt would be dropped if the debt collector did not respond by XX/XX/2019. I have learned my lesson since then, and have taken no other loans out. I had dental work and paid in payments and I have no other debts at this time.
Product: Checking or savings account

On the afternoon of XX/XX/2022, an unauthorized individual made a fraudulent cash withdrawal {$2000.00} from my saving account at " Capital One Bank '' in New York. I called the customer service for transaction dispute on XX/XX/2022 and the representative told me the case would be investigated within 5 business day. After the first call, I have been calling customer service at Capital One Bank several times. The representatives kept me on hold for a long time and kept saying the case is under investigation and no more updates provided. I have sent the customer complaints via CFPB on XX/XX/2022. Finally, I received an official letter from Capital One bank by the end of XXXX and I wrote an email with the proof of being out of the country during the transaction back to XXXX who is taking care of the case in Capital One bank in XXXX. It has been over 4 months since the fraud withdrawal happened in XXXX and I haven't had any further notice from Capital One bank any more.
Product: Credit card

Bank of America. I called bank of america to settle a debt and wanted the letter of the settlement faxed over in order to clear the debt due to the fact I am purchasing a home and it is time sensitive. They were unable to fax a letter and when I was finally able to get them to fax it, it would take 24-72 " Business Hours '' for a fax. The representative said that their supervisor did not want to take the call. They were there the whole time and refused to take the call. Spoke to XXXX XXXX, XXXX XXXX, and the supervisor who refused to take the call was XXXX. 24-72 business hours, meaning that I would have to wait the entire weekend to receive a fax is ludicrous and ridiculous. A fax takes 5 minutes to send but they refused to meet my request. Horrible experience and horrible customer service. Bank of America is the worst bank ever. Their representatives talked over me and flat out said they will not help me and were not going to do anything. Do not bank here!
Product: Debt collection

I have recently noticed that there have been late payments recorded on my account for the following months XX/XX/2023. I kindly request your understanding and assistance in removing the recorded late payments from my account history. I am committed to ensuring a more consistent and timely payment schedule in the future and value the positive relationship I have with XXXX. 

XXXX XXXX -I am NOT late on XXXX 2023. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service representative. 

I am aware that the company has policies in place regarding late payments, and I sincerely hope for your understanding and consideration in this matter. If there is any additional information required or a formal process to follow, please guide me through the necessary steps. 

Thank you for your time and attention to this request. I appreciate your efforts in helping me maintain the accuracy of my account information.
Product: Credit card

ALL OF MY SAVINGS WERE GONE SOMEONE STOLE MY CARD NOW THEY DONT WANT TO REIMBURSE ME FOR FRAUD CHARGES!
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score went down more then 30 points. I called Transunion and spoke to XXXX and she said nothing changed, does n't know why it went down and to call the credit card company because they do n't generate the scores. ( as if I do n't know anything ). So I asked to speak with a supervisor, I spoke to XXXX XXXX and all he was saying is how it all works but could not talk about me specifically as to why my score went down, just that nothing changed and they do n't generate my score, a computer does. After that I asked to speak to his boss or someone that can help me and then he hung the phone up on me. So I tried to call XXXX to see why my score went down and they too could not tell me why my score went down. Just to say I have nothing bad on my report and I always pay on time, even before things are due. So why did my credit score go down. No one wants to help me. This also happened to me about a year ago, XXXX XXXX  put the wrong information in and I ended up paying allot more interest then I was supposed to.. I called XXXX XXXX and they corrected it but XXXX XXXX would n't look at my score again so I 'm paying XXXX more in the corse of 30 yrs.. I 've done everything I can to have a excellent Score and I feel like I 'm being taken advantage of from these people.
Product: Money transfer, virtual currency, or money service

I hope this message finds you well. I am writing to express my deep concern and dissatisfaction regarding the permanent limitation placed on my PayPal account with the email address XXXX. I believe that this limitation was placed in error, and I would like to request a thorough re-investigation of my case with the aim of having my account reinstated. 

First and foremost, I would like to emphasize that I have always strived to adhere to PayPal 's policies and guidelines. To the best of my knowledge and understanding, I have not engaged in any activities that would warrant such a limitation. I have been a loyal and responsible PayPal user for an extended period, and this sudden restriction has caused me significant inconvenience and distress. 

I kindly request that PayPal 's support team thoroughly review my account activity, transactions, and history. I am confident that upon careful examination, it will become evident that I have not violated any of PayPal 's terms or policies. It is crucial for me to have my account reinstated, as it plays a vital role in my financial transactions and online activities. 

I understand that PayPal takes security and compliance seriously, and I appreciate the measures in place to protect users. However, I believe there may have been a misunderstanding or error in the assessment of my account. I am more than willing to cooperate fully in providing any additional information or documentation necessary for the re-evaluation process. 

In conclusion, I kindly request that you re-investigate my case promptly and thoroughly. My goal is to have my PayPal account reinstated as soon as possible so that I can continue to use your services for my financial needs. I believe in PayPal 's commitment to fairness and integrity, and I trust that this matter will be resolved in an equitable manner. 

Thank you for your prompt attention to this appeal. I look forward to a favorable resolution and the restoration of my PayPal account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the federal credit reporting act this creditor has violated my rihjt under 15 usc 1681 section 602 states i have the right to privacy,15 USC 1681 section 604 section 2 also states that a consumer reporting agency can not furnish an account with my name without my written instruction, under 15 USC 1666B a creditor may not treat a payment on a credit card under an open end consumer credit report or plan as late for any reason or purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve this problem and it has been very difficult to get answer to the questions about this issue. I am definitely not hiding from anyone, but I need help, not my credit destroyed! Its everything I own, and the fact these companies dont help customers like myself when problems happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  has used my personal information to open this car loan account i have hired a law firm XXXX law firm, i want this account removed, experian has violated my rights, i an now suing experian they will be sent a denand letter, yall have ignordd my request and j am fixing to sue XXXX XXXX, my information, im tired if filing a complaints with experian and being ignored, im wrtimg this ond last attempt then im going to fully invest of XXXX this credit reporting agency and XXXX XXXX, either remone this account or you will be sent a demand letter im already in process of that, remove this account, if im ignored do not send me emails contradicting the information i sent, please be advised this is information on my report is fraud and im filing this ftc identity theft report that i am a victim of identity theft, now remove this account or you will be XXXX  to do it and believe me I provided all the information i provided experian but fail to delete thr account
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted payment for the alleged 30 day late payment on my record. The creditor indicated their is no proof for this, thus they can not make an adjustment.
Product: Mortgage

I received a notice of taxes not paid for 2020 ( school taxes ) I called freedom mortgage on XX/XX/XXXX to let them know they had not paid my taxes for 2020 even though they had taken it out of escrow. A week later I called them back to check on the matter and they said to call back XX/XX/XXXX. So i called back and had to talk to 8 different people until i could find someone willing to look into it. In the mean time I also called XXXX tax office and found out that freedom had sent a check in XXXX for the wrong amount so the check was sent back and they never put the money back into my escrow account and never resent the proper amount ... the original charge was XXXX cents they only sent a check for XXXX and when it was sent back never fixed the issue. They dont seem too concerned with helping me and now the tax bill is over XXXX this is so.embarassing for me. I have never been late on a bill ... also very stressful because where is my XXXX? I really need help with this matter thanks so much
Product: Vehicle loan or lease

On XX/XX/XXXX, a check was submitted for full payoff of a leased vehicle. Payment was received on XX/XX/XXXX, and funds withdraw from my account XX/XX/XXXX. When asked the status of my account Southeast Toyota Finance provided false information stating the check and paperwork was received XX/XX/XXXX ( days after my XXXX inquiry ) This is false information and is holding up the processing of my title. I will be out of town for an extended time and needed this matter resolved before my XX/XX/XXXX, departure. If this matter was processed when both paperwork and accompanied check was received/cashed the matter would have been resolved by end of year ( XX/XX/XXXX ). Instead, Southeast Toyota Finance is providing false and misleading information stating check/paperwork was received up to XXXX days beyond the truth receipt. 

I have supporting documentation included with this report. I need this case resolved before XX/XX/XXXX which is why I submitted paperwork and final payment XXXX weeks in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019 I decided to buy a home. I went to a place called affordable housing. In affordable housing they started off by asking what my credit score was and I had no idea at the time. They recommend I got my credit report pulled and we go from there. As we reviewed my report I notice a numerous of things that were not mine. Can you please remove these items from my report. XXXX XXXXXXXX {$2500.00} XXXX XXXX {$2200.00} XXXX XXXX {$2000.00} XXXX XXXX {$5500.00} XXXX   XXXX {$3500.00} XXXX XXXX XXXX {$80.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$77.00} XXXX  XXXX {$900.00}
Product: Credit card

I have a Lowes Credit card managed by Synchrony bank. I paid my account off completely in XXXX -- {$3700.00}. They sent me an XXXX statement for {$13.00} of which they will not credit me. I reached out to customer service on XX/XX/year> at around XXXX pm to see if they would credit my account. They stated they would not and that under the terms they have a right to charge customers even if they pay the card off in full. I advised I was going to report this practice and to close my account. They closed the account but warned me ahead of time that if I did I would not be able to get another XXXX credit card. I have been with them forever. I am not sure this is a fair practice. I closed the account.