23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Since I first filed case numbers [ Case number : XXXX ] and [ Case number : XXXX ] my checking accounts ending XXXX and XXXX were closed. Also I was reported to XXXX which prevents me from opening another checking or saving account. In addition I 'm receiving collection calls and letters. The collection letters state I owe {$700.00}. US BANK stated I owed {$300.00} in its response letters for [ Case number : XXXX ] and [ Case number : XXXX ]. We definitely have other issues we must address. One very serious issue is after I filed the complaint US BANK closed both my checking accounts ending XXXX and XXXX. Second issue is I began receiving daily collection calls from XXXX. on behalf of US BANK? On or around XXXX XXXX. 2015 I received XXXX collection letters from XXXX First collection letter says balance due ( {$470.00} ) for US Checking Account ending in XXXX. XXXX collection letter says balance due ( {$300.00} ) for US Checking Account ending in XXXX. Also I was reported to XXXX? I sacrifice {$800.00} in payments to prevent US BANK from closing my checking accounts, reporting my accounts to XXXX and collection agency. US BANK overdrew both checking accounts by taking payments from my account? Yes I did agree payback overdraft fees thru US BANK payment plan but I did not agree to US BANK automatic withdrawals if the payment is not made on the XXXX of each month? US BANK only inform me to make payment on the XXXX of each month. No one from US BANK stated if I did not make payment on the XXXX of each month that US BANK would go into my checking accounts withdraw funds and overdraw my accounts? My accounts were overdrawn by US BANK due to not enough funds. US BANK said I owed approximately {$1100.00} in overdraft fees. I paid {$800.00}. US BANK received more than half of what I owed in overdrafts fees. This is very unfair to me as a customer. I doing my best to make good on the arrangement I made. I work too hard to be treated so unfairly by US BANK. Banks should n't be able to charged overdraft fees when using a debit card. Example lets say the Electric company puts a charge through for {$100.00} using debit card and your balance is {$50.00} so the charged is denied but you are still charged {$36.00} overdraft fee? This is highway robbery. We work way too hard to be robbed like this by banks. I would like to open new checking accounts. I would like the {$300.00} debt now cancelled in full. I would like my name removed from the collection agency and XXXX. I would love some type of compensation for all this stress.
Product: Checking or savings account

On XX/XX/XXXX I made.a transfer deposit from XXXX XXXX to Navy Federal Credit Union, which in both I have accounts. I received an immediate notification from XXXX that my transfer had gone thru and it was reflected in my XXXX online statement and account balance. On XXXX XXXX I received notice from.Navy Federal Credit Union that I was overdrawn, and that a {$20.00} fee was imposed for each draft that I had done with Navy Federal since XXXX XXXX. If I successfully completed the transfer on XXXX with XXXX , why isn't it reflected in Navy Federal 's system? Moreover, why does it take Navy Federal so long to acknowledge any type of deposit as I have had this same issue before with them even on normal deposits? I am now way overdrawn because of Navy Federal 's lack of diligence in posting deposits. When I confronted them they stated that would not help me with this issue nor would they even try to make it right. I feel I am being unfairly charged these overdraft fees. It is not my fault that Navy Federal takes so long to acknowledge a deposit.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach that compromised my personal information. As a result of this breach, fraudulent accounts have been opened in my name, and I am requesting that these accounts be blocked and permanently deleted from my credit report as per 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The following accounts are the subject of this request : XXXX. XXXX Account # : XXXX XX/XX/XXXX {$19000.00} XXXX. XXXX XXXX Account # : XXXX XX/XX/XXXX {$0.00}
Product: Credit card or prepaid card

Please see attached scanned forms that will outline the full situation. 


Background : On XX/XX/XXXX ( XX/XX/XXXX ), airline tickets relating to XXXX Trip were purchased on XXXX amount totaling in {$720.00}, these included 2 adult tickets and 2 child tickets ( XXXX XXXX to XXXX XXXX ). In addition, on XX/XX/XXXX ( XX/XX/XXXX ) there was 4 additional airline tickets purchased in the amount of {$590.00} each or {$2300.00} total XXXX XXXX XXXX to XXXX airport ). The total loss that my credit card company ( TD XXXX XXXX  ) denied equaled in the amount of {$3100.00} ( XXXX ). Now, due to the war outbreak between XXXX & XXXX, it was in the best interest of my family to get these tickets refunded as we know XXXX is located in XXXX which is also where XXXX and XXXX are located, it was an unsafe environment to place my family there and would be foolish to do so. Upon contacting the original company ( XXXX ), and even my credit card company with additional efforts since, were unsuccessful, even though " flexible '' option on the airline tickets were purchased. Each attempt at contact has been given run arounds with no resolution in sight. 

The TD Bank case numbers that were opened for Fraud/Return of money include : XXXX XXXX I am looking for a fair and swift resolution to refund the amount of {$3100.00} because this would be the just option for an American citizen, looking to receive only the amount I have been unsuccessful in returning to my account from both the vendor ( XXXX  ) as well as my credit card company ( TD VISA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Had 2 credit cards charged off back in XX/XX/XXXX, both were with the incorrect last name. I paid them off, and was told that they would be deleted off my report when i submitted my last payment. I paid them off in XX/XX/XXXX, still on my credit. Submitted a dispute error and never heard anything back. I want these two capital one cards removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance on XX/XX/XXXX {$3000.00} {$2500.00} XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX {$6900.00} {$6500.00} JPMCB CARD Account Info Account number XXXX Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX {$11000.00} {$10000.00} 2. I am a victim of identity theft ; my personal information was stolen and used to obtain loans and credit cards. However, I was in prison from XX/XX/XXXX to XX/XX/XXXX when the fraud did not happen nor I have not benefited from any of this. I provided proof that I was incarceration ( identity theft report, the accounts, paper work from the government of my incarceration and validation letters ) to the creditors and all 3 credit bureaus ( XXXX, XXXX and XXXX ) XXXX and XXXX was completed but not XXXX which they continue to keep reporting to the credit bureaus. I notified the credit bureaus several times and kept getting the same response ( verified ). They have not provided no evidence to prove that these accounts belongs to me. No signature that matches my handwriting or coming into any of their facilities ( of course i was in prison ). I have tried every method going back and forth which is giving me no justice at all. This has caused me XXXX, XXXX and XXXX. I would like the accounts removed immediately. I provided all my evidence to prove that it wasn't me even down to the signatures on loan documents.
Product: Credit card

I opened an account with Citizens bank for a XXXX XXXX which had a 0 % balance transfer for 13 months. I paid every bill on time every month. I received my last paper statement dated XX/XX/XXXX - XX/XX/XXXX and paid it in full. I made several charges to my account in XXXX and XX/XX/XXXX but did not receive statements. I had to call Citizens on XX/XX/XXXX and told them I have n't received my statements. At that time I was told I requested paperless statements which I had not. I requested to have paper statements sent to me so I could take care of my payments. I was given my balance over the phone and paid it with the exception of {$64.00}. I reiterated that I had not requested paper statements and wanted my statements mailed to me. I was told it could not be changed. I received no more paper statements and in XX/XX/XXXX received the first of several collection letters stating I was past due on my account. I made multiple phone calls and spent literally hours on the phone trying to resolve this matter. All I wanted was documentation in the way of a statement for any debt owed which I never received. This issue has hurt my excellent credit rating and I feel is an unfair business practice by refusing to issue statements in the mail. I was actually told I would be charged a fee if I wanted paper statements!
Product: Credit reporting or other personal consumer reports

Pursuant to my rights listed in 15 USC 1681c-2, I submitted all requested documentation, but I have not received any updates or remedies from TransUnion.
Product: Debt collection

My identity was stolen by this company. They are attempting to collect a debt and I have no legal written or binding contract with this company. 

Consumer law code 15 USC 1681 ( Q ) and 15 USC 1681 ( A ) ( 2 ) If any person uses my information without permission that is identity theft. There must be permissible purpose. I did not give permission to report this or any account on my consumer credit report, therefore, this is identity theft as National Credit Adjusters used my information and publicized it.
Product: Vehicle loan or lease

Contacted USAA on XXXX XXXX, 2022 to setup an auto loan which was originating from me, a USAA member, to purchase a vehicle from another USAA member for which USAA held the title. These details were made explicitly clear to the customer service representative named XXXX ( employee ID XXXX or XXXX ) who seemed unsure of the entire process. She assured me that she knew of the process inherently. Upon flying to XXXX on XXXX XXXX, 2022 ; I retrieved the vehicle ( as instructed by XXXX XXXX and sent in the authorization to record the lien. The very next day, I received a call from USAA who stated the loan was completed entirely incorrectly and that I would have to apply for a new loan. 

After two hours on the phone, I applied for new loan costing me another credit inquiry. The new loan was 0.25 % higher, no doubt because I had an inquiry the previous week. Lord knows how much this 0.25 % will cost me on the life of the loan. It is now XXXX XXXX, 2022 and the seller has yet to receive the difference in his payoff ( from USAA ). After calling back, I was told the second loan application was also filled out incorrectly and the seller needs to file a dispute with the bank for the difference. I am not sure how this bank can continue to operate with an employee constituency that is both poorly trained and unwilling to ask for help. I have also yet to receive the title which I was told I would receive in 2 weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Navient several times via email. Every response I receive is the same, That they have updated my credit report. All they keep emailing back is that I have paid my account off and have a XXXX   balance. But on my credit reports it has not been updated or it has been updated to deferred payment showing a balance of {$970.00}. It is a XXXX balance.
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern on XX/XX/XXXX File a dispute regarding my credit report, with multiple credit inquiries which I deem unauthorized. Equifax did not investigate these issues. Pursuant to Title 15 U.S.C. 1681e ( b ), credit reporting agencies are required " to follow reasonable procedures to assure maximum possible accuracy. The consumer reporting agencies have assumed a vital responsibility to report consumer information to the best of their ability with maximum accuracy. Kindly note that under the Fair Credit Reporting Act Section 611, you are obligated to produce the requested contract and complete this investigation. Please delete these inquiries. Thanks! : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX CRED Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX BANK Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

we got notification that we needed to change our address to a physical address. My wife contacted them about it and the person said they have our so we were good to go. About a week ago they closed out our account. Every since then we have gone into the Well Fargo branch by us and signed everything they wanted. We were told today that it was going to be another couple more days before they can do anything. We can not open another account or access the account at all. We are XXXX  and all our online banking is stopped. i don't know what will happen to or retirement payments because they are done on line. We can not pay bills and they keep putting us off. During all of the last few days their people we have talked to on the phone give us different stories. the account was first opened in 1970 With XXXX XXXX XXXX  XXXX Nevada they sold to XXXX XXXX XXXX  that sold to Well Fargo.
Product: Credit card or prepaid card

On XXXX XXXX I thought I was calling the XXXX XXXX XXXX for a XX/XX/XXXX show. Turns out it was some third-party outfit called XXXX XXXX XXXX sales that claimed to be the XXXX XXXX XXXX and charged me {$410.00}. I never got any receipt nor tickets nothing. As you can see from all the documents uploaded, I won the dispute and then my XXXX rebilled me I couldn't believe it. I asked why they said that scam of a company said I received my merchandise that's a lie. I have reopened another dispute but they are not working on my behalf to protect me from fraud. 

As you can see attached, I have 26 pages of proof to show this company is a scam and stole my money and I contacted the Attorney General in XXXX XXXX who is aware they are crooks and also the XXXX XXXX XXXX was kind enough to send a letter on my behalf showing there are NO tickets in my name. I have tried to talk to XXXX XXXX XXXX  they are nasty and rude and obnoxious. 

I don't understand how all of this evidence isn't enough to protect me the consumer and that is why I charge things for protection, and they are not protecting me at all. They ruled in my favor and that should of been the end of it. I have been stressed for months over this. I think that all this evidence and documents is proof enough to rule in my favor and get rid of the scammers that XXXX XXXX XXXX XXXX are. 

I hope you can help me. I have to intention to pay the amount no matter what happens as I will not pay thieves that just want to steal my money. I have told my Creditcard this and I will close the account. It would be a XXXX shame after XXXX years to have my credit ruined of a perfect score because of Synchrony Bank. Anyone in their right mind can see it's a scam and why in the world would I but more tickets for the same venue same day same time if I had them. Seriously, this is such an injustice to me. 

Any help would be appreciated after this I give up but will never pay the charge, I have put my Creditcard on notice as well but like I said they don't seem to Care.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Debt collection

I do not believe the report that Portfolio Recovery has put on my credit report is valid. It is listed as an open balance. I do not have any debt with Portfolio Recovery.
Product: Vehicle loan or lease

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below.

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 


1. CAPITAL ONE AUTO FINAN Account Number : XXXX Please remove it from my credit report. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 


Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC XXXX XXXX XXXX XXXX XXXX XXXX STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit reporting, credit repair services, or other personal consumer reports

In or around XX/XX/2020 I filed a complaint with supporting documents requesting deletion of a XXXX XXXX account being incorrect reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are MULTIPLE fraudulent items on my CHEXSYSTEMS report. I have reached out to these companies MULTIPLE times in regard to the fraudulent items and they're still reporting on my CHEXSYSTEMS report. 
I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately. These accounts are not mine.
Product: Credit card

My husband has a CitiAadvantage Master Card and Visa and we have a XXXX XXXX. 
Everytime we try to use the XXXX card, unless we are in the XXXX in XXXX, it is rejected. I have been embarrassed so many times, including just trying to use it in a convenience store to buy a grandchild a coke and candy bar. The total was {$4.00} and was rejected. Last month we were in the XXXX in XXXX Florida. We had just purchased a second home there and were buying TVs for the new home. We used the XXXX card and very loudly the check out person said " This card has been refused. What do I do? '' Needless to say we were humiliated. We paid with a debit card. In the meantime, Citi Bank called my husband 's place of employment and told his assistant that he was suspected of fraud in purchasing TVs. More humiliation. I called CitiCard customer service. After being hung up on once, and on hold forXXXX+ minutes I was told that our account was blocked because of either bad credit, late payments or overlimit spending. First, I have an XXXX XXXX score, we have never had a late payment and I know it 's not overlimit because we ca n't use it. I was told by a supervisor that they would look into it. I 've not heard back. Now he is unable to use his other XXXX Citi cards. He was in the XXXX store on Monday to buy my Birthday present. He was totally embarrassed when the Card was rejected. When he contacted Citi they said it was a suspected fraud and he 'd have to contact fraud department. He e-mailed them his complaint and received back a reply stating Thank you for contacting the fraud department. We are happy we could resolve your problem. They did n't resolve anything. He 's e-mailed twice more and gotten nothing but form replies. We have been humiliated time and time again by Citi Bank.
Product: Debt collection

On XX/XX/XXXX  I noticed 2 debt collections on my credit report that is not mines XXXX XXXX XXXX Opened XXXX {$230.00} XXXX XXXX XXXX  Opened XXXX {$440.00}
Product: Credit reporting or other personal consumer reports

There 3 creditor Equifax keep reporting every time my lender do a soft pull for a mortgage I call three times regarding them their showing dispute and I need Equifax to remove them permanently I Been told they not there and yes they are when a soft pull done I dont know whats else to do I requested a letter in writing to stated those 3 creditors no longer in my Equifax to show prove to my lender I cant get it I cant even to speak to a supervisor thats the only issue holding me down please I need assistance Thank you
Product: Student loan

I am a XXXX  XXXX  working for the XXXX as an XXXX  XXXX  and i was awarded an XXXX USD pay off amount toward my loan. The payments go in bi-weekly in a range amount of about XXXX to XXXX USD. I looked at my pay stubs and there has been a total of XXXX payments. The first XXXX payments are reflected on my NeltNet account payment history and have been applied to my total loan. However, the last payment according to my Nelnet history was made a month ago on XX/XX/23 but XXXX more payments of XXXX by my job have been made since then and are no where to be found. The money is just not accounted for on Nelnet 's side but the payment was clearly made when looking at my paystubs on XXXX. NeltNet is clearly mishandling the payments. My account is missing XXXX payments of XXXX. Typically once a payment is made it is reflected on my Nelnet account XXXX to 10 days later. It has been over 30 days since the last payment according to my account which is simply not true. It does not even show up as processing or anything just completely missing.