23daVinci/CFPB_Complaints huggingface dataset:
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXXXXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX violated my rights. 
And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 wrote a letter to XXXX  XXXX on XX/XX/2019 disputing incorrect reporting about XXXX XXXX account. XXXX  then requested Proof of Address. I returned 2 forms of document showing proof of Address my driver license and a utility bill. 
On XX/XX/2019 XXXX mailed a letter Re : Proof of Address Unacceptable-Reason # 3 ( documents provided was not a qualifying document. I am requesting help to correct this matter because XXXX is trying to discourage me from disputing my credit report entries due to their mistake by not accepting my proof of Address. 
I also sent Equifax the same letter on XX/XX/2019 about incorrect information about my account but Equifax never responded and over 30 days have passed.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially having funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts, collections, or hard inquiries as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts and inquiries are the result of identity theft and fraud.
Product: Debt collection

Actually XXXX of the above. Our bills through them are medical. A failed XXXX XXXX at XXXX XXXX that totally XXXX my wife. Patient relations understands this and has told me, " just send what you can, when you can. I have documentation, cancelled checks and bank records showing I am making payments, more than I should but, even after advising them NO MORE CALLS, every day they call, some time several times a day. WE had to finally have a block put on our phone. They had called my work office and even advised my supervisor who they were and why they were calling. Disclosing my debt info to her! They even asked for my we whom they know to be XXXX and is not working. Especially at my place of employment. My supervisor can attest to this as they called several times after being told not too. " I make regular payments to these people and they constantly harass us for more, more, more.
Product: Debt collection

I have made several complaints regarding XXXX XXXX XXXX to experian. 
XXXX XXXX  has opened two accounts with wrong information to collect a debt one with XXXX one with XXXX. The one with XXXX isnt even on my credit report its so old they are reporting false monies owed and the age of the account. They are also doing it on the Auto loan as well I wAs in a car accident and the insurance paid the car then the finance company took the car sold it and never took that amount they received and credited it to the account they are also reporting the account as being opened XX/XX/2019 and a new debt owed when it is false they are not reporting the accurate dates or monies owed from either accounts which goes against my rights. I have sent numerous letters and made several calls and still it is being reported on my account fraudulently. My car loan was not opened XX/XX/2019. Please help me thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX on XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts which i believe were reporting in error. 

XXXX XXXX XXXX XXXX Balance : {$160.00XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX Balance : {$370.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 addresses on my report that don't belong to me and that I have never owned or lived at. They are : XXXX XXXX XXXX XXXX 
XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, TX XXXX My current address and ONLY address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX cell is XXXX home XXXX Employer is XXXX This is all that should be on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately 1. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Experian is reporting several inquiries without my consent. I did not give permission for these promotional inquiries or for Experian to sell my information as solicitation purposes. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX EXPERIAN Inquired XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX EXPERIAN Inquired XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, EXPERIAN Inquired XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, EXPERIAN Inquired XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX EXPERIAN Inquired XXXX XX/XX/XXXX, XX/XX/XXXX, EXPERIAN Inquired XXXX XX/XX/XXXX EXPERIAN Inquired XXXX XX/XX/XXXX EXPERIAN Inquired XXXX XX/XX/XXXX EXPERIAN Inquired XXXX XX/XX/XXXX EXPERIAN BUSINESS XXXX Inquired on XX/XX/XXXX EXPERIAN XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX EXPERIAN XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX I Inquired on XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX and XX/XX/XXXX
Product: Student loan

On XX/XX/XXXX i made a payment of {$1700.00} to MOHELA, in the form of an electronic bank check, which represented my final payment/payoff. A copy of that check ( front and back ) is attached for your review. Since then, despite endorsing the check, MOHELA has refused to apply it to my account, and they have refused to refund the money to me. I've sent them a copy of the check on two prior occasions, to no avail, and I've made approximately 15 telephone calls to MOHELA 'S customer service department, also to no avail. Even when I've spoken to supervisors, including in the resolution department, I've gotten placed on hold for very excessive lengths of time. I've been told on at least four occasions that a 5-7 business day review of the account would be done, and recently I was told by two supervisors that the account had to be " rebuilt '' as part of the review process, which would then allow the check to be posted and applied to my account. Still, no resolution has been achieved. MOHELA has stolen my money! I'm simply trying to repay, in good faith, money that I borrowed. This is utterly despicable. 
XXXX XXXX
Product: Checking or savings account

XXXX XXXX was accused of getting {$220.00} cash inside Wells Fargo Branch. This has been since XX/XX/2024, and as of today XX/XX/2024, and it is still going on. We would like for an Attorney to solve this problem for us. How long does it take for Wells Fargo to solve three questions? Wells Fargo is telling us in every response they are saying they need more time.
Product: Credit card

Interest posted for more than it should have this month. I had 2 promotional balances that both expired XXXX XXXX. XXXX small, under {$100.00}, and XXXX larger, over {$1000.00}. I made an extra payment for {$90.00} on XXXX XXXX, which brought the small balance to {$0.00}. ( Screen shot attached from XXXX XXXX showing no balance was owed on the smaller purchase. ) After cycle interest hit for {$680.00} XX/XX/XXXX. 

{$30.00} last months interest. Expect this months was a few dollars less as no purchases were made and only payments applied to the account. 
{$560.00} ( XXXX + {$47.00} accrued XXXX interest ) XXXX : {$590.00} Please explain why an extra {$86.00} in interest posted to my account this month. It looks like it may be the 12 months of interest on the smaller balance that was paid to {$0.00} before the promo expired?
Product: Credit card or prepaid card

I contacted Capital One regarding a cash advance fee as I did not make or request a cash advance. I spoke with representative who advised nothing she could do. Advised I have always used my XXXX with XXXX and never been charged a cash advance fee by Capital 1. I requested her supervisor which was XXXX who is a Customer Senior Account Supervisor. She repeated what her associate had said. I tried to explain to XXXX it was the same type of transaction I completed many times with XXXX and I have my credit card linked to XXXX and she advised XXXX must have changed their policy as they sent a code indicating it was a cash advance. I explained again it was not. I asked for her XXXX and she advised no one else was in her office that was above her. I asked again for her XXXX, she placed me on hold 2-3 times. She came back and said she would not let me speak to anyone else higher than her and she would be disconnecting the call. I asked her to not disconnect the call as my issue was not resolved. She disconnected the call. I was shocked the bank Ive used for many, many years would allow employee to hang up on a customer who had an unresolved issue. 

I called Capital One back. XXXX answered in credit card services. I asked to speak to someone hire up and he transferred me to XXXX XXXX and the party who answered told me he was unable to help me and I should not have been transferred to him. He then said hed transfer me to someone else in credit card services. I was placed on hold again and after a while, I was unable to hold any longer. 

I did contact XXXX and spoke to XXXX. Call # XXXX. He advised their process has not changed. He advised they did not send a code to Capital One indicating it was a cash advance.
Product: Consumer Loan

My account with this company charged off the total amount of {$2600.00} three years ago. since then it is still being reported tot he credit bureaus as an active amount and i just received an alert from equifax today. 
XXXX/XXXX/2017 XXXX - Account InformationArchive this alert |Hide alert details The following changes were reported for your XXXX account : Balance Amount Changed from {$7800.00} to {$8700.00} Past Due Amount Changed from {$7800.00} to {$8700.00} How can a charged off loan grow {$970.00} in one cycle and grow {$6000.00} after it was charged off? 
They are the definition of predatory lending and should be sactioned!
Product: Debt collection

I am a victim of identity theft and noticed a collection from AD ASTRA RECOVERY. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AD ASTRA RECOVERY in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Debt collection

To whom it may concern : COMMONWEALTH FINANCE with an address of XXXX XXXX XXXX XXXX, PA XXXX is trying to collect in the state of TEXAS where they legally do not have the right to do so at this time according to : Section 392.101 of the Texas Finance Code which prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.

source : XXXX XXXX XXXX I would like to report that the 3 surety bonds they did obtain, were canceled in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and that they are currently in violation as they have been trying to collect on 3 accounts for myself since XX/XX/XXXX, ( 5 months ).

Furthermore, I would like the following accounts deleted and removed from my credit report on all 3 bureaus.

XXXX XXXX XXXX - {$1200.00} XXXX XXXX XXXX - {$360.00} XXXX XXXX XXXX - {$340.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, also have been affected by the XXXX XXXX XXXX on a federal and state level. The following accounts are accounts that I have been affected by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and a XXXX XXXX XXXX/US Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX has claimed to have verified this public record/bankruptcy via LexisNexis/XXXX. I have contacted LexisNexis/XXXX  concerning this bankruptcy and it has been removed from my LexisNexis/XXXX consumer report, so how is this bankruptcy being verified at this point? The following addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are addresses that came from this identity theft and I have never been associated with these addresses.
Product: Mortgage

XXXX XXXX XXXX XXXX  Loan application date XXXX Credit score XXXX Home appraisal value {$320000.00} Refinance {$160000.00} Company NEWDAY We applied for a refinance with NewDay on XX/XX/XXXX. The forms were submitted after " E Sign '' on XX/XX/XXXX. 

Our agent XXXX XXXX Account Executive XXXXNMLS # XXXX Company NMLS # XXXX disappeared for over a week, with no response from NewDay, His Cell Phone, or fax. 
He returned with a vague apology but was " terminated '' and I was given a new Broker The home appraisal was done about the 1st week of XXXX and the appraiser determined our outside deck and a retaining wall on a patio ( about 20 ' from our home ) needed to be repainted. It was to cost us {$900.00} but was completed on XX/XX/2020. 

On XX/XX/2020 we were first asked ( the first of 4 conference calls ) to join in a conference call with XXXX XXXX NewDay 's agency for Mortgage verification. 
Newday kept losing or were getting incomplete documentation from XXXX XXXX. 
We returned home yesterday and when I called NewDay my broker XXXX XXXX told me that XXXX XXXX hasn't given Him the new payoff balance ( the original figure has changed because of NewDay 's " foot dragging '' ) and asked me to call
Product: Debt collection

I recently obtained a copy of my credit report. National Credit Systems continues to violate my rights according to Fair Debt Collections Practices Act ( FDCPA ). Also this company is in violation according to 15 USC. 1692. I have attached a copy of my ID. This company is defaming my character by constantly reporting this debt on my credit report which is a violation according to 15 USC. 1692d.
Product: Debt collection

Have been receiving numerous calls from this number as a " final attempt to collect a debt '' before going to court. I finally spoke to one of the callers and they told me what the debt was from - a company I 've never heard of or done business with - and as soon as I mentioned wanting to have my attorney follow up with them they back stepped and said they could take care of it internally and close the file. I insisted that I was happy to have someone look in to it and they insisted I would n't need to worry about it. They called me today again after about a week and the voicemail message is the same as it was before, final attempt to collect a debt. I called back and got their alleged legal department 's voicemail.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage initiated with XXXX  XXXX XXXX, than transferred to XXXX XXXX XXXX. My last payment on the mortgage account was with XXXX XXXX XXXX in XX/XX/XXXX, no further payments was made on the mortgage account. No payments from XX/XX/XXXX-present date. Seven years for the delinquent status on the mortgage account would have matured in XX/XX/XXXX. XXXX XXXX XXXX or XXXX  are been fraudulent reporting information and or investigations because the information has been removed from both XXXX  and XXXX XXXX. In addition XXXX also conducted another investigation on my credit report which was resolved by XXXX and XXXX XXXX by removing from my credit report because the creditors ( XXXX XXXX XXXX ) said that it was an error reported on there behalf and XXXX refused to remove.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my XXXX XXXX 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade XXXX XXXX XXXX XXXX Please delete the items as soon as possible.
Product: Money transfer, virtual currency, or money service

This new complaint is associated with Complaint XXXX. I am convinced Bank of America ( BOA ) continues to find way to charge their customers more in fees and penalties to increase their profit margins. I transfer funds between my BOA Checking XXXX and Over Draft Protection or Credit Line accounts XXXX. Account XXXX has a limit of {$3600.00}. BOA lags between the time they are freezing my checking and in crediting the accounts receiving transfer funds. Then BOA charge me Non-sufficient Funds ( NSF ) when actually my two accounts have sufficient funds if BOA would not set on it They always give me the same excuse that personnel do not work on weekends and holidays. Their computers sure will hold funds from my checking on weekends and holidays. BOA should and could program their computers to do both transfer and pay at the same time. 

I received a letter yesterday ( Exhibit 9 ) stating {$400.00} NSF, which is incorrect. ( Exhibit 7 )  shows were I paid {$3400.00} on XX/XX/2018 to the Overdraft or Credit Line Account XXXX. ( Exhibit 6 ) shows BOA did not credit account XXXX the account until XX/XX/2018. They returned the payment of {$400.00} for NSF and charged me {$27.00} without checking on available funding in both accounts. I called BOA today asking why the funds were not credited or payment made. BOA said the payment was not paid. Exhibit 8 shows were I transferred {$400.00} again today to the XXXX account. Account XXXX does not show being credited as of now. 

BOA is too large to fail, but they need to reconsider all their charges and fee. They are destroying me with all of them.