23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Ive identified incorrect information on my credit report under 15 USC 16c-2, which is negatively impacting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX, I responded to a solicitation from Fidelity to receive a Fidelity Rewards VISA credit card. I was unable to fill out form online as form would not let me use my full legal name, XXXX. XXXX. I finally completed the application via phone, no problem. I received the card in the XX/XX/XXXX-XX/XX/XXXX period. Using the card was no problem. My first two statements came addressed to me : XXXX. XXXX. The third came addressed to XXXX XXXX XXXX. Now, this was my GIVEN NAME at birth but in XX/XX/XXXX I had it legally changed to XXXX. XXXX, the name I had been using for many years ( Superior Ct. Washington , XX/XX/XXXX, # XXXX ). When I received the statement with " XXXX XXXX XXXX '' a called the customer service number listed on the statement. After explaining my story, the gentleman said that he would try to connect me to their fraud division. The fraud division REFUSED to speak to me! I contacted the Washing State Attorney General and filed a complaint with them. After some correspondence with them I received a letter from ELAN Cardmember Service, Office of the President, XXXX. XXXX XXXX, XXXX, ND, XXXX, telling me that they did a background check on me ( assume SSN ) and that I was XXXX XXXX XXXX. I responded through the AG that the info ELAN had obtained was NOT accurate and I wanted to know from whence the info came so I could correct the source. The answer : " proprietary in nature '' and would not share with me the agency from whom the bad information came. Translated, TOUGH COOKIES! 'We know who you are ' and that 's it! Ironically, I had opened an account in conjunction with this credit card with Fidelity, the institution with which I thought I was dealing, in my full LEGAL name, XXXX. XXXX. I have several other accounts with them, also. Here 's the problem : ELAN ( whoever they are ) arbitrarily changed my legal name to another name without contacting me. They depended on inaccurate, untimely information from an unknown ( to me ) source. Their intransigence, after being contacted by the WA AG 's office shows that they need to  revise their procedures in order tthat this not happen again, to anyone. They, I believe, do NOT have the right to change anyone 's name without direct contact with that person to verify the information. Documents that were submitted through the AG 's office : current U.S. Passport, redacted, Washington state Drivers License, redacted. Copy of certified copy of Court Order of Name Change
Product: Credit reporting or other personal consumer reports

I received my investigation results report # XXXX to my Identity Theft CFPB complaint # XXXX which TransUnion credit reporting agency refused to honor my request to block information appearing on my credit report maintained by TransUnion credit reporting agency. As a result of identity theft and fraud pursuant to FCRA 611 ( 15 U.S.C. 1681I ) I demand that TransUnion credit reporting agency provide me with an investigation summary of the source of information they relied on to refuse my block request or remove all contested items from the original block request.
Product: Credit card

Capital one has been pulling my credit report every month, some times up to 4 times each month, for the past year. The soft inquires do not look well on my credit report, as I am trying to obtain a mortgage. They also send me piles of junk mail continuously. They are also doing this to my husband and it is very frustrating. I called them once to have the resolve the issue and I was transferred so many time without a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

A random account from XXXX XXXX XXXX showed up on my credit report recently. I reached out to the furnisher to gain information on the account and they explained that an account was opened in my name in 2015. I did file a police report but since the account was originally opened in 2015 it seemed to be useless for my dispute. Other than the fraudulent claim, this account is still reporting illegally for several reasons. The credit bureaus response to my dispute was that the information was verified and updated. I did not receive any information as why this account is reporting without my consent, why the information is reporting as the account was re-aged, why the account is reporting if the date account opened is incorrect and could not be verified, the date of last delinquency could not be verified. My request to the credit bureau is that I do not receive an automated response as I would like an actual human to answer these questions as to why there is something legally reporting on my credit. I am in the process of buying a home and I have been delayed tremendously due to this which has caused me a higher interest rate on my home and an overall terrible experience.
Product: Debt collection

I am at a lost, I spoke with a representative at Navy Federal Credit Union on XX/XX/XXXX or XX/XX/XXXX on a recorded line and on XX/XX/XXXX regarding my setting up a payment arrangement for my credit card account. I spoke with them and agree to make a payment arrangement of {$150.00} on XX/XX/XXXX & {$170.00} on XX/XX/XXXX to bring my past due balance up to date. Again all of this is suppose to be recorded! Today XX/XX/XXXX Navy federal took XXXX out my saving account and sent my account to collections after I spoke with them and we both agreed on a payment arrangement. I sat on the phone with 4 different departments today trying to see why my account was sent to collections after navy federal agreed to a payment arrangement with me. No one could tell me why! How do you agree to allow me to pay the debt and then send it to collections in the middle of the payment arrangement?? I received no notice that my account was going to collections and the representative never said that when I called to set up the payment arrangement. I was told everything was okay. How are you just going to send my account to collections in the middle of a payment arrangement and refuse to reverse the charge!!! I was out of work and in the hospital for more than 4 more which resulted in me losing my job and having ok way to pay. As soon as I was able to pay I contacted navy federal to set up the payment arrangement to get back on track with my payments. Why was my account sent to collections.l and I received no notice at all? You just take my money out my account and didnt even give me the option to pay it, settle or anything! I have been with navy federal for over 7 years and up until this point I have loved navy federal dearly! I trusted this institution with my money and you broke my trust! I agreed to pay the debt how can you send my account to collections then garnish my account t for the full balance? I am beyond hurt and destroyed! I have a sick XXXX  I have to pay for XXXX for and I am now not able to do that! This is completely unfair to me. No one could explain to me why my account went to collections while under a payment arrangement! And the representative XXXX I spoke with today is collections was not only heartless but rude and cold. She didnt even care or try to help me at all. I have never spoken to anyone at navy federal so rude and heartless! You are dealing with peoples money. XXXX Told me she say the notes and payment arrangements and couldnt tell me why it still went to collections and basically said oh well deal with it. I am beyond hurt and angry that my bank would do this to me. I trust navy deal with the most important asset I have my money! I was transferred to some man who was just as heartless and XXXX and basically told me he dont know why ore collection sent my account over if I had an agreement and he cant see the notes l. He said he tried to reach out to them but no one answered. He only gave me the option to settle or or do nothing! This is completely unfair to me a dedicated member.
Product: Money transfer, virtual currency, or money service

JP Morgan cleared a XXXX for my federal tax return. The person had the same name but not the same information. Once I caught the error I notified JP Morgan Chase. They claimed to freeze the funds until they heard from the IRS but instead cleared it accepted payment and sent a paper check to the wrong guy.
Product: Debt collection

i went on XXXX XXXX and found an open account for americollect
Product: Debt collection

I called to pay a balance my school reported to them for {$3600.00}. They tell me that I owe {$4700.00}. Now I owe over {$1000.00} to pay a past due debt? This is rediculous. They are badgering XXXX and taking advantage of us. If I did n't have the {$3600.00}, why would you hike it up over {$1000.00}. I am in talks now with my school, because even my school mentioned that this is absurd. They will be contacting the agency. Whoever added this astronomical fee to my debt will pay severly. Please contact this agency to resolve this. I am willing to pay the {$3600.00}, but they are really on the high end for fees. They are using unfair debt collection practices to bully me into paying for these high fees for their commissions. They are telling me that this balance comes from the school. The school said they did not send over the {$4700.00} to be paid. They sent the balance fo {$3600.00} to be paid. I have attached the screen shot of my XXXX account. I have also attached an email I received from Williams and Fudge.
Product: Debt collection

On numerous occasion I asked for written communication only. They call me and my family members repeatedly and use abusive communication tatics. I have still yet to receive my debt validation letter. Next step is to get an attorney and go after them for XXXX.
Product: Credit reporting or other personal consumer reports

Basically, Ive tried to get articles of debt that I did not insure or debt that XXXX cant even verify, and they cant verify to me canceled. And the credit bureau refused and deny and Im sick of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  original debtor XXXX has received a check and cashed agreeing that the debt has been paid in full and will remove the debt from the credit report if cashed. The check was cashed on XX/XX/2023 and I received a call on XX/XX/2023 advising me they have a balance left and they do not have anything to do with the updating of my credit report. 

Please have this debt removed as a negative remark on my credit report as the debt has been paid in full and the agreement must be honored. 

Attached is the cashed check with the agreement of being cashed debt will be PIF and removed from my credit report
Product: Checking or savings account

I am filing a complaint regarding multiple overdraft fees applied to my account. Despite having sufficient funds at the time the transactions were authorized, I was charged overdraft fees due to delays in the posting of charges and credits.

This situation mirrors the recent findings by the CFFB regarding Navy Federal practices, where overdraft fees were assessed on transactions that settled with insufficient balances, even though funds were available when the transactions were initiated.

I believe these practices are unfair and respectfully request an investigation into my account and the specific transactions in question.
Product: Credit reporting or other personal consumer reports

15 u.s Code 1681c-2 a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from and alleged identity theft, not later then 4 business days after the date of receipt.

Under 15 U.S Code 1681 e ( b ) and 15 U.S Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 U.S Code 1681. These accounts has violated my rights.

Pursuant to 15 U.S Code 1681 section 602 states I have the right to privacy.

Pursuant to 15 U.S code 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish accounts without my written instructions. 


I am requesting the original copy of the agreement and terms a condition. Failure to comply will forfeit your claims and require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of this receipt of notice. I LOOK FORWARD TO YOUR RESPONSE. 

Resolution : Delete this account unless you want to be held accountable for over 5000 on account listed.
Product: Credit card or prepaid card

Well Fargo XXXX closed my account ending in XXXX and unable to reopen it with a zero balance I would like for this store reopen with a {$1000.00} credit limit .. company refused to reopen it
Product: Mortgage

Bank of America has repeatedly represented to me l have submitted multiple requests for mortgage assistance ( RMA ) without providing copies of the RMAs upon receipt of my requests to do so. 

Starting in XXXX, Bank of America began to provide me with boiler plate template letters stating I have forwarded financial documents as part of a RMA application package. Since XXXX I have requested these documents and informed Bank of America of my on going concerns regarding identity theft and that Bank of America may have compromised my financial, personal, and privileged information since I have not submitted any documentation whatsoever as part of a new RMA or modification application package constituting reapplying or restarting the modification process as the modification process based on my RMA of XXXX XXXX and subsequent application package of XXXX XXXX is pending to date, as a matter of law, and will remain incomplete until a written determination letter is issued to me by the Appeals Department based on the XXXX XXXX, XXXX Appeal Report conducted by Appeals Specialist XXXX. 

107 ) Federal Trade Commission Act. 
108 ) Fair Credit Reporting Act. 
109 ) Equal Credit Opportunity Act. 
110 ) Home Mortgage Disclosure Act. 
111 ) California Identity Theft Resolution Act. 

Smart phones got apps. The government got Acts. If financial institutions are doing things they know they should n't, chances are there 's an Act for that allowing for the behavior to be addressed. 

All previously mentioned resolutions are desired and mandatory. Additionally, Bank of America must provide complete true and correct copies of all RMAs, application packages, and supporting or supplemental documentation along with all modification initial determination letters and subsequent appeal determination letters, if applicable, associated with this account.
Product: Debt collection

I was in a no fault accident in my leased 2024 Hyundai Tucson in XXXX. I was told that XXXX paid off my vehicle and that nothing else was owed. This was confirmed by a recorded message from XXXX saying that my balance was {$0.00}. Since then, I have been getting harassed by XXXX XXXX trying to collect over {$700.00} in payments, but I have not received any bills in writing. I have been asking for an itemized paper bill, with no success, and just asked for an itemized email that was also not sent. I'm now being told that I'm going to be sent into a penalty phase.
Product: Debt collection

I requested debt validation through credit dispute. CKS Prime Investments LLC did not provide this information. The debt was removed from my credit report. Two months later I received a summons for small claims court. My first court appearance i asked the attorney for debt validation. He was unable to provide any paperwork or information. The judge provided 30 day extension to provide information. I showed up to court 2nd appearance. CKS filed paperwork due to my dispute they needed more time a few days before hearning. I was not served paperwork/update for continuance until after my court hearing. I found out CKS filed the motion by showing up to court. I was told the dtlate had been moved. Again I have had to request time off from work. I have to go back to court a 3rd time on XX/XX/year>. I now feel I am being harassed through the legal system. I have to take time off from work to deal with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The bank is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of paid as agreed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof. 

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

On XX/XX/XXXX, I contacted XXXX, XXXX and Transunion in regards to an item that is appearing on my credit report from a company called XXXX XXXX XXXX. I mailed letters to each of the three credit bureaus, letting them know that the information that was reported is incorrect. These letters were mailed certified USPS and I received confirmation that they were delivered to their respective addresses successfully. On XX/XX/XXXX, I received notification from all three credit bureaus, that XXXX XXXX XXXX was contacted in regards to the debt that is being reported, and the debt was validated and they stated that it was being reported correctly. The information that is being reported is not being reported correctly. They refuse to explain to me how the debt was validated after multiple phone calls and letters requesting the above information
Product: Mortgage

I am not sure how I got into a FHA loan, but I did. My current balance is approx. XXXX my house is valued well over a XXXX. I have a rate of 3.25 % and a PMI at {$570.00} a month. I have contacted my bank twice, the last time was XXXX XXXX, XXXX. I asked them when the PMI was to drop off and I told them I loved the 3.25 %, but was tempted to refinance. My XXXX score is above XXXX and I almost always pay extra to the principal. I got a generic response to my PMI removal inquiry on the same day as requested XXXX XXXX, XXXX. Later on XXXX XXXX, XXXX I received a date of XXXX/XXXX/XXXX as to when the PMI would fall off. It has not. Every time I call or attempt to contact the persons who handle the PMI program at the bank I am told to make contact via e-mail. I do this and keep getting the run around. I am at wits end. I will attach the e-mails that I have received.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

In XXXX of last year, I contacted XXXX to inquire about the amount I needed to pay to end my contract, as I was unable to use my phone at home and had consistently poor service in my area. I was informed that I only owed {$85.00}. I expressed concern that this seemed incorrect and asked multiple times for confirmation. The representative assured me that {$85.00} was the total amount required to cancel my service. 

Based on this information, I switched providers, trading in my phones with a new company. Shortly after, I went to a T-Mobile store to settle my balance and was told that I actually owed over {$2000.00}. I spoke with the store manager, who provided me with a phone number to contact XXXX directly. During that call, I was escalated to a higher-level XXXX named XXXX. He acknowledged that I couldn't use the service in my home and agreed that I should only be responsible for paying off the devices, with the promotional discounts applied. This would have reduced my monthly payments to less than {$50.00} until the devices were fully paid off. 

However, soon after, I started receiving wildly inconsistent chargesone month {$100.00}, the next {$300.00}. As I dont have time to be on the phone constantly, I let it go until XXXX charged me {$1200.00}, which overdrew my bank account. I called customer service and had the charge reversed. I was assured that they would contact XXXX to ensure the original agreement was honored and that I would receive a detailed payment history in the mail. Neither of these things happened. 

The following month, I was charged {$1200.00} again. Frustrated, I called to have my card removed from the account and was again promised a resolution, but nothing was done. I visited the store twice after this, only to be told that they couldnt assist me. 

To make matters worse, XXXX  has since sent my account to collections for an amount I do not owe, without any transparency about how much Ive already paid. They refuse to communicate with me directly and now forward all calls to a debt collector. This situation has severely impacted my mental health, causing significant stress and XXXX 

I believe this is unacceptable and potentially unlawful. XXXX lack of transparency and unwillingness to resolve the issue is distressing, and Im concerned this could be happening to others as well.
Product: Credit reporting or other personal consumer reports

Urgent Dispute Unauthorized Fraudulent Account Removal To Whom It May Concern, I am formally disputing the unauthorized fraudulent account that has been wrongfully reported on my credit profile. This account was previously disputed as fraudulent due to my personal information being compromised following the XXXX data breach. Despite bringing this matter to the attention of both the creditor and the credit reporting agencies ( CRAs ), my dispute was ignored, and the account remains on my credit file. 

I have previously submitted a federal identity theft affidavit, which was also disregarded by both the creditor and CRAs. This account does not belong to me, and I am demanding its immediate closure and permanent removal from my credit profile. 

Failure to remove this unauthorized account would constitute a direct violation of my consumer rights under federal law and the Fair Credit Reporting Act ( FCRA ). Attached, you will find the identity theft affidavit for your review. 

Furthermore, I do not consent to an E-Oscar verification process. I am requesting a complete deletion of this fraudulent account from my credit report. 

I am extremely disappointed with how this matter has been handled, and I insist that this issue be rectified without further delay. Please provide written confirmation once this account has been removed.
Product: Credit card

This is a dispute about the quality of a service paid for using a credit card. This is a complaint under the Special Rule for Credit Card Purchases enforced by CFPB https : XXXX # XXXX ( XXXX ) General rule. When a person who honors a credit card fails to resolve satisfactorily a dispute as to property or services purchased with the credit card in a consumer credit transaction, the cardholder XXXX assert against the card issuer all claims ( other than tort claims ) and defenses arising out of the transaction and relating to the failure to resolve the dispute. The cardholder XXXX withhold payment up to the amount of credit outstanding for the property or services that gave rise to the dispute and any finance or other charges imposed on that amount. 

The reason for this complaint is that an unlicensed physician represented herself as licensed. Charged for a fraudulent treatment ( part of the reason her license was suspended ( see attached ). The office location was XXXX miles away from my house. The XXXX XXXX for Credit Card purchases applies. 

The charge was for {$4000.00} and was fraudulently provided. Essentially it was a scam treatment provided by an unlicensed provider.