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

Discover Credit Card : 1 ) Reporting Charged OFF ( CO ) for multiple months 2 ) 30 Days and 60 Days late inaccurate, and inconsistent across all three credit bureau 's.

3 ) Inaccurate Date Opened 4 ) Inaccurate Closed Date 5 ) Inaccurate Last payment date.

6 ) Inaccurate Credit Limit Reporting 7What method of verification was used for this, Discover is lying about doing a proper invistigation.
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 CEPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. 1 believe these practices are unfair and request an investigation into my account Transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Experian and XXXX Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 


XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$630.00} ; ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$610.00} ; XXXX XX/XX/XXXX.
Product: Checking or savings account

My account was randomly set to be closed yesterday after I spoke with a particular person in a specific department. This company has no right to withhold funds that are mine and I deserve an explanation from this company. My account is being wrongfully closed and causing great emotional stress as well as financial hardship. I need this company to reject my direct deposit set to be sent later this week so that I can receive my funds elsewhere
Product: Checking or savings account

On XX/XX/2022 Santander Bank in XXXX, NJ closed 2 of my business accounts and my personal account without giving any reason. When inquiring about the issue they just said that they are not required to give a reason for this. Coincidentally 1 month prior I had been complaining about some charges that the bank took out of my account monthly for 2 years. They reimbursed some of that money and then 1 month later I happen to get the notice. I have been doing business with this bank for almost 15 yrs without any issue. Also my square account that I do business with stopped working at the same time.
Product: Checking or savings account

On XX/XX/XXXX XXXX. I received a email saying thankyou for purchasing XXXX for XXXX from XXXX so got worried. I clicked on it and called XXXX but thought it was someone from XXXX instead it was a scammer. He convince me that it was other charges and that he there to help me cleared my account. We were on phone til the transaction was done and he clicked the phone. He convinced me to go down cvs at XXXX XXXX XXXX XXXX ny that where the ATM that can purchase the XXXX. It's XXXXXXXX XXXX XXXX ATM. Put my debit card in and type the code he gave me and typed in XXXX in automatic taken out. I thought that was XXXX of charges he supposed to help me cleared but it wasn't. He scam me out XXXX to purchased XXXX and so by time I got home, he was still on phone with me til I got home then phone clicked. Did try call back no answer so that's when I realized I got scam. So I checked my bank account my XXXX was still pending so I called my bank to get them stop or freezed my account. They told me they can't it's already went thru but yet the pending wasn't cleared til XXXX days later.so banker ask me if I want dispute this matter I said yes but they didn't bother wait for more information so they dispute XXXX day and said there weren't any errors and denied my dispute. While they were doing that they transferred the XXXX into my account til the disbute get done. I never have any information or papers from bank. Since they dispute XXXX day found no errors and said it was my fault cause I went down and use my debit to purchase the XXXX. Which it was fraudulent charges. I don't know anything about XXXX and if I do I wouldn't buy that much. But the bank didn't take care the fraudulent for me instead blaming me. Which I do not know where my money went. Never received the XXXX. I have the receipt. So since they found no errors on my dispute they reversed the XXXX back to the bank. Never done anything on the fraudulent charges. I tried contact the liberty x bitcoin can't seem get anyone. I heard that these people scam alot people to purchased XXXX and cleaned their account out which it happened to me. The bank is M & T. I spoke the supervisor they said it wasn't fraudulent and nothing they can do to help. No XXXX received. I even try to email the libertyx/ XXXX no response. Their email is XXXX their numbers XXXX. The sequence # XXXX card numbers XXXX account. Amount request XXXX. XXXX XXXX XXXX order number XXXX. Payment ID XXXX. XX/XX/XXXX at XXXX. Terminal XXXX I went back and forth with my bank. No resolves. The bank supposed to help their customers to resolve the fraudulent charges. I just don't know what else to do and how I can get my money back. Going police station next to put claim there. I hope there's something you can do to catch this scammers. It's a crime to scam people out.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block inc. ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ) specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform. Leaving my account vulnerable and unprotected.

Further, the more dispute process was unfair and deceptive as they did not comply with error resolution requirement under the electronic fund transfer act ( ETFA ) and regulation E.

These actions cause significantly inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

Dear Collector, I am writing in response to your { letter or phone call } dated { insert date of letter or phone call }, copy enclosed. 

On { insert date of initial dispute letter } I sent you a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g ( Validating Debts ) : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

I must remind you that in my previous letter I requested the following information : ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 

As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 

Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXXXXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Dear CFPB My Discover Credit Card Was Closed for no Reason. I got letter that they closed my account by reviewing my account i found no evidence i have done anything wrong. 

I called and was not informed any factual and accurate reason why my account was closed. Only think i can assume that they might think i purchased jewelry which description is coin so the assume its bitcoin which is not. I purchased jewelry not bitcoin .All they could do to verify that its not Bitcoin they could brows internet only 1 minute and discover its not Bitcoin its regular jewelry shop. 


I have attached for your review my last 3 months statements so you can verify and see i have done anything wrong. 

I also attached their letter which doesn't explain or give reason why my account was closed Please see attached also letter of legal complaint.
Product: Credit card or prepaid card

Bankruptcy completed and closed XX/XX/2020, filled multiple dispute claims to get removed from credit report
Product: Mortgage

The paperwork said the Seller gave a gift equity of {$50000.00} to the buyer. This is not correct. Now the seller owes {$28000.00} in taxes gor the {$50000.00} so called gift that was never given. The person doing the Lending paperwork did not explain the process and falsified amounts.
Product: Credit reporting or other personal consumer reports

Upon review of my report, I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from you.Document that you have complied with the reporting requirements, and report without any deviations. Please note that if you have not complied with the requirements, I will need to remove them from my report.Per XXXX XXXX XXXX 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 relatesAlso per XXXX XXXX XXXX XXXX ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. XXXX - XXXX information about accounts or other relationships with a consumer that is accurate. XXXX - XXXX reasonable investigations of consumer disputesThe CRRG standards state that in order to make a report, you must follow their guidelines. Any deviation from these standards jeopardizes the integrity of data. & quot ; This means any mistakes when reporting claims can have serious consequences for accuracy- which affects your federally regulated reports! With that said! I found some mistakes and inaccuracies in your report, which I would like to dispute/challenge.The following claims about me were not reported correctly and I am challenging these inaccurate statements. Please provide proof that the proper reporting standards were followed so this can be resolved immediately!
Product: Debt collection

There is a Macy 's account showing on my XXXX and XXXX credit report dated XX/XX/2014, for XXXX I don't know how this debt can show on my report exceeding 7 years. I've reached out to the company and they show no debt in my name yet it is on my credit report. I've tried to dispute this on XXXX and nothing has been accomplished. This debt is hindering my credit.
Product: Credit reporting

There are XXXX inquires on my Equifax report that are not mine. I never authorized these inquires and I have called time and time again and also went on like to have them removed from my report. I want my credit report to be as accurate as possible. 

Attached is a list in alphabetical order of all inquires that were not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported me as late for XXXX and XX/XX/2023 for a missed payment in XXXX and that is incorrect 100 %. My personal account was overdrawn briefly due to another company and meanwhile nothing was able to come out of my account. XXXX, sent me a message stating that I missed a payment and I had 60days to pay before it is reported as late. I logged into the app and made a payment well before 30days to assure myself. It is XXXX and they have taken 6 payments out my account since XXXX meaning that XXXX was paid. Out of 6 payments why wasn't XXXX deducted from one of them or when I logged in to pay via app. I spoke with them, and they advised me it was nothing they could do to fix the mistake and to contact the bureaus. I did and Experian said the information was accurate, but it can't be because I have proof the payments came out my account. Please help me update these payments XXXX current and not late. 

15 USC 1682 Section 604 A states a consumer reporting agency can not furnish an account without written instructions.

15 USC 166B also states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

They not only improperly reported me, they also broke the law.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXXXXXX XXXX XXXX  - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XXXX  accounts  XXXX  and  XXXX  have appeared on my   XXXX   credit report.   I contacted Doctors Business Bureau to complain. I was advised by CFPB to ask for the name of the doctors? who claim they were not paid. I have no evidence of this debt. I have had no bills regarding this debt and Doctor 's  Business Bureau have  refused to give me information. I talked to a  XXXX   XXXX  today who hung up on me before trying to transfer me to the voicemail of her supervisor  XXXX   XXXX .     This debt should not be reported to  XXXX  if I do n't know anything about it.
Product: Debt collection

I WAS NOTIFIED THAT MIDLAND FUNDING TOOK LEGAL ACTION AGAINST ME FOR AN ALLEGED DEBT THAT I OWE. I WAS NEVER PROPERLY NOTIFIED OF THE DEBT, I WAS NEVER CONTACTED REGARDING THIS DEBT NOR WAS I GIVEN THE RIGHT TO DISPUTE THE DEBT. THIS COMPANY NEVER BOTHERED TO VALIDATE THE DEBT EITHER BEFORE THEY TOOK LEGAL ACTION ATTEMPTING TO SUE ME
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

We've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$1000.00}
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payments on the dates below : 30 days late as of XXXX XXXX 30 days late as of XXXX XXXX 30 days late as of XXXX XXXX 30 days late as of XXXX XXXX 30 days late as of XXXX XXXX 30 days late as of XX/XX/2016 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Checking or savings account

I have signed up for alerts on my Key Bank checking account. They are almost instantaneous. Deposit alert, large transaction alert, low balance alert, etc. The " Insufficient Funds '' alert arrives in my inbox two days after the event. This way the bank can maximize the overdraft fees. 

This specifically happened to me when my balance was not sufficient to cover a transaction on XX/XX/22. Even though I had deposited a personal check to increase my balance, I was unaware of the bank 's policy to place a hold on the portion of the deposit that is over {$100.00}. In fact, I received a misleading alert that a deposit in the amount of {$300.00} had been made to my account. The bank really should have a disclaimer on that alert saying that certain deposits may be held for amounts exceeding {$100.00}, but if they were transparent that could limit their chances to make millions or billions in overdraft fees. Just the fact that they place holds on local checks seems to be designed to create negative balances. 

On XX/XX/22, two days later, I received the alert to notify me that my account balance was insufficient. This is also by design. THIS SHOULD BE ILLEGAL!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has a balance of {$930.00} dollars showing and I paid them off in XX/XX/2018 2018
Product: Debt collection

Dear Bank of America ; Cease all methods of communications and collections on this account. I demand that this be deleted from my credit report effective today as I do not recognized this account, no knowledge and no prior contractual obligations with this company. Again, I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You violated my rights rights under 15 USC codes sections 1692 d, e f g of FCRA/FDCPA. Remove from my credit report. You violated 1692d of the FDCPA by engaging in conduct that the natural consequences of which was to harass, oppress, and abuse client in connection with the collection of an alleged debt and the collection letter you sent me which contains veiled and empty threats of legal action ; You violated 1692e of the FDCPA by its use of any false, deceptive, or misleading representation or means in connection with the collection of any debt when you engaged in, at least, the following discrete violations of 1692e ; You violated 1692e ( 2 ) ( A ) of the FDCPA with its false representation of the character, amount, or legal status of any debt and the collection letter you sent me which contains veiled threats of legal action against me, the client ; You violated 1692e ( 5 ) of the FDCPA by its threat to take any action that can not legally be taken or that is not intended to be taken when you sent me the collection letter contains veiled threats of legal action against me, the client ; You violated 1692g ( b ) of the FDCPA by engaging in collection activities that overshadowed or was inconsistent with the disclosure of the consumers right to dispute the debt with the language it used in the Collection Letter ; and You violated 1692f of the FDCPA by its use of unfair or unconscionable means to collect or attempt to collect any debt when you engaged in all of the misconduct alleged herein.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law XXXX  and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX XXXX  days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance : XXXX  XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing fraudulent hard inquiries that I received on my credit report that I did not authorize and recognize on my credit reports. I contacted each XXXX XXXX to rectify the inquiries. They only assured me that there were not any accounts opened or created under my name. I then contacted XXXX, XXXX and XXXX credit bureaus. 

XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSYNCHRONY FINANCIAL XXXX