23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have a visa card w/wells fargo that I have been intently trying to pay down. I have been making automatic payments of {$140.00} every 2 weeks to them. I have 2 promotional zero percent balances with them. Presently, as of my XXXX statement it is as follows : {$2300.00} 0 % till XX/XX/20 {$8200.00} 0 % till XX/XX/20 When I make payments, Wells Fargo, unfairly credits more towards one balance then the other -- making it essentially impossible to pay off the 1st promotional balance before the expiration date. For example, I was told when they receive the first {$140.00} payment they distribute as follows : {$32.00} goes towards the {$2300.00} {$110.00} goes towards the {$8200.00} Why aren't they distributing the {$140.00} ( x2 ) evenly to each balance? I feel that puts me at a disadvantage, afterall it is the same interest rate for each balance. 

I called wells fargo, explained that my goal was to target & paydown these debts & I wanted to make a {$1000.00} payment to go solely to the {$2300.00} balance & they said that I couldn't. I spoke w/3 people & the last person said he would file a complaint & someone from Case Mgt would get back w/me. I did this just today, so I expect they will be following up w/me, but based on the fact that I had to talk to 3 different people and file a complaint, it appears this is their practice and I feel a complaint is warranted regardless, even if my issue with them directly is handled satisfactorily. 

I feel this is unfair credit/banking practices because I have been paying more than the minimum owed, I don't understand why I can't direct my payments where I want them to go ( I can do this on my mortgage for example, and make extra payments & direct them to my principal ). 

The only resolution I was provided was that I would have to wait till the 1st promotion ended and then I would have a window where I could pay that balance in full w/in the billing cycle before the higher interest rate started accruing, but that doesn't seem fair. I want to make a payment today of $ XXXX, and next month of $ XXXX, to target that balance and attempt to zero it out before XX/XX/20 and I feel I have the right to do that but wells fargo says that I can not.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX XXXX 
XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX To Whom It May Concern, This letter is a follow up to my original letter dated regarding an inaccuracy in your credit reporting. Specifically as it relates to credit inquiries that I did not authorise, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX I did not authorise anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX XXXX ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX  XXXX
Product: Checking or savings account

On XX/XX/XXXX I was due a {$370.00} bonus for opening my checking account. The bank gave me the {$370.00} credit twice on that day. On XXXX they debited me {$370.00}, thus reversing their error. 
In XX/XX/XXXX, I received a 1099 form, from the bank. It showed that I had received a bonus of {$750.00}. This is wrong, since they reversed the second {$370.00} credit. 
I went to my local branch, in XXXX XXXX XXXX. A banker there said it would be corrected. No such thing happened. A week ago, I visited again, speaking to the branch manager. I followed up with the Regional manager. Still no correction Due to their error, I have been unable to file my tax return, and thus my refund has been delayed. 
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Product: Checking or savings account

I have a checking account and debit card with XXXX XXXX XXXX XXXX XXXX. I needed to make a cash deposit to an ATM, but there were no XXXX ATMs in my area, however they are part of the XXXX  ATM network, where I should be able to use any XXXX ATM to do certain transactions, as far as I knew. I found the nearest XXXX  ATM that said it accepted deposits, which was a Navy Federal Credit Union ATM attached to a Navy branch ( address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX ). On XX/XX/22 at approximately XXXX XXXX, I used this ATM to attempt to make a cash deposit. The amount of cash was {$270.00}. I entered my XXXX debit card ( ending in XXXX ), entered my PIN, and selected cash deposit and entered the cash into the machine as instructed. The machine spent several minutes making noises as if it was counting the cash and then an error message appeared on the screen " Unable to return your cash ''. It then printed out a receipt that says : " We encountered a problem returning your cash. Please contact your financial institution. '' It also has the timestamp and the ATM # which is " XXXX ''. 

I went to the Navy FCU branch in person on Saturday XXXX and briefly spoke with an employee who only told me that I had to contact my credit union to file a claim. I have contacted XXXX by phone many times over the past few days and have spoken with no less than 5 employees in the payment services department and the claims department, who have repeatedly told me that they have absolutely no way to initiate a claim with Navy FCU because there is " no record of a transaction on their end, so there is nothing to file a claim over. '' I have also spoken with the ATM services department at Navy FCU over the phone, who also told me that they need XXXX to initiate a claim with them to start the process of returning my funds to me. 

So it has come to this, I have both financial institutions giving me the run around. My cash is physically in the Navy FCU ATM and whenever they audit it they are going to find the overage, and I don't know how they are going to return the funds to me because XXXX is refusing to help me or coordinate with Navy FCU in any way.
Product: Credit reporting or other personal consumer reports

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 


XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024 CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!!

Im not happy with the way your company is handling my consumer report. I was a part of a Equifax breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 
Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave 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.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : Reason XXXX XXXX XXXXXXXX fraudulent account XXXX XXXX XXXX fraudulent account XXXX XXXX XXXX XXXX fraudulent account XXXX XXXX XXXX XXXX fraudulent account XXXX XXXX XXXX XXXX fraudulent account Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, XXXX, CFPB XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 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 XXXX  # : XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, DEPT OF EDXXXX XXXX # XXXX, XXXX XXXX # : XXXX, XXXX XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : XXXX, XXXXXXXX XXXX # : XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX # : XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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. 


I looked at my Experian credit report on XX/XX/year>, and noticed some incomplete and inaccurate things. According to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 supposed not to 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: Debt collection

Portfolio Recovery Inc is pursuing to send mails to my address stating that I own debts that were resolved with the creditors 2 years back. Checking the reviews, returned all these scams where they take up accounts which were in bad status at some point of time in the past and just pursue to get some money out of customers. They have to stop sending me communications, as I have called up the issuing companies and have officially settled them up.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of addresses that I have never lived at before. 

These addresses were used to open accounts in my name : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX These are the accounts in my name that stems from the identity theft : XXXX XXXX OPENED AROUND XX/XX/XXXX UNDER ACCT # XXXX XXXXXXXX XXXX XXXX # XXXX COLLECTIONS OPENED AROUND XX/XX/XXXX A copy of an FTC report listing the ACCOUNTS opened in my name is enclosed. My consumer FICO credit report now contains multiple fake addresses as a result of these accounts. A copy of your consumer FICO credit report, which includes the aforementioned bogus addresses, and a list of the questioned addresses are attached. The aforementioned addresses, as reported, are unfamiliar to me. I never began using the aforementioned addresses that are listed on my consumer credit record that you maintain. The addresses listed above are all the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) as official documentation from the US Federal Trade Commission demonstrating that the addresses listed above are all the product of fraud and identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX  My only and correct date of birth is : XXXX  I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$3700.00} XXXX XXXX XXXX {$6300.00} XXXX XXXX XXXX XXXX XXXX  {$620.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX {$380.00} XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

My employer XXXX XXXX  sent a pay check of mine to daily pay which was not authorized by me. Upon finding out I didn't get paid they said I must deal with daily pay. Upon contacting daily pay they are claiming that I made requests for money early on XX/XX/XXXX and on XX/XX/XXXX and I did not make those requests then on approximately XX/XX/XXXX daily pay deposited the remainder of the funds into Old account information that they had. I have not used daily pay for any type of payment since XXXX of XXXX the account should have been inactive. I received my previous paycheck from XXXX correctly I am not sure why they sent that to daily pay and when I contact daily pay they are wanting the old information that I no longer have access to when I have finally gotten somebody to move forward they tell me I just must wait they're not understanding it daily pay why I am trying to get this money when I asked to speak to an American representative they tell me that they can not do that when I have asked to speak to somebody who speaks better English because I feel like things are Lost in translation they refuse they just keep telling me I've gotten the money and I need to wait but the fact of the matter is I have not gotten any money I have not been paid. My employer at XXXX XXXX XXXX says there's nothing that they can do about it. They did not change my direct deposit information back to what I gave them when I started employment in XXXX of XXXX to the correct information until today and now they're telling me that they were able to delete the daily pay account I had with them on their end. I'm not sure why they didn't do that originally when I began working for them again in XXXX of this year and they went ahead and sent my check to daily pay which is a part of XXXX XXXXXXXX XXXX. Now I am in a limbo of not having that money from my employer due to daily pays lack of communication or my inability to speak to someone they had requested a paycheck stub for the check in question and a copy of my driver 's license I gave that to them on XX/XX/XXXX via email and I just keep being told I have to wait, the only response I'm getting from them is I will be contacted by them eventually when I first started this process two weeks ago on XX/XX/XXXX I was told that this would be resolved in one two three business days and nothing has been resolved yet. Daily pay has been unwilling to help there's been no communication because they do not speak XXXX well enough for us to communicate what the actual problem is and my employer came back is not willing to do anything to bridge that Gap with this third party entity that they advertise for their employees to use.
Product: Credit reporting, credit repair services, or other personal consumer reports

Genesis Credit shows I opened two accounts with them. I have just one account with them. Below is a log of my contact with company : Called XX/XX/XXXX and was told to send copy of credit report. Faxed on XX/XX/XXXX Called XX/XX/XXXX to see status. Was told it takes 5 business days to receive a fax. 
Called XX/XX/XXXX. Was told to refax information again Started dispute with XXXX on XX/XX/XXXX Faxed again on XX/XX/XXXX Called again on XX/XX/XXXX. No help once again. 
Filed complaint with XXXX  on XX/XX/XXXX. 

My credit report with XXXX still shows two account with Genesis Credit. The results from the XXXX dispute does not address the issue I filed with them.
Product: Credit reporting or other personal consumer reports

XXXX transferred my VA home loan to Mr cooper on XXXX without 30 days notification to borrower in the transfer XXXX neglected to report to all three credit bureaus all new company transfer information to the credit bureaus and has not reported to all three credit bureaus account information of name of company my loan has been transferred to, nor has Mr cooper reported any credit information of new transferred loan date of transfer, credit loan information, nor first payment made to Mr cooper on XX/XX/year> this has caused much distress and financial hardship for borrower and caused XXXX point ding in borrowers credit score due to negligence and incompetence on behalf of XXXX and Mr cooper as well.
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 is issue aligns with recent CFPB findings against Navy federal or similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request a thorough investigation into my account transactions.
Product: Credit card or prepaid card

Chase XXXX XXXX XXXX Visa customer representative supervisor XXXX from XXXX XXXX, Texas, said on XXXX XXXX, 2017 that the original XXXX bonus offer for spending $ XXXX in 3-months I was promised when applying for the card was a " misprint '' and that the URL on the original offer went to the " wrong '' webpage. <P/>When I called to inquire about this situation, a customer service representative said the company receives " a lot of calls '' about this type of problem and that " no one at the company can help me. '' He kept me on the line for an extra 30 mins. after I asked that the call be escalated to a supervisor who could help me. When I was finally transferred to supervisor XXXX after 45 mins., he provided contradictory information from the original representative. XXXX also said that there is " no greater authority '' than him at the company to help me, except " maybe '' the " correspondence department. '' Was informed that the card was activated without my knowledge in XXXX. 2017, even though I received contradictory information when I called the credit card company on XXXX XXXX, 2017 to actually activate the card and confirm the promotional offer. ( I received my first credit card statement several weeks later with indicated activity beginning on XXXX XXXX, 2017, the day after I called to activate the card. ) Between XX/XX/XXXX,  when I first talked to the credit card company to activate the card, and XX/XX/XXXX,  statements show that more than $ XXXX was spent on the card, surpassing the understood $ XXXX over 3-months offer to receive XXXX XXXX XXXX XXXX miles, but I did n't receive the miles. ( During this period all billing statements were paid promptly and in good faith to the original offer. ) At every touch point with XXXX credit card services for the XXXX XXXX XXXX card -- from application, to activation, to payment and follow-up -- I received either misinformation or contradictory and misleading information. I also had to speak to multiple people, only to be told at every corner that there was " nothing that could be done '' to receive the benefits of the original offer and that " no one at company '' could help me. <P/>In sum, I would simply like to receive the original benefits promised, otherwise noting that the customer experience at Chase credit card services is designed to mislead customers. <P/>Chase 's XXXX XXXX XXXX card 's annual membership fee is {$450.00}, but it falls far short of the standards of my XXXX XXXX XXXX XXXX card services, which has the same annual membership fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am natural person I am living human being .I have right under USC 1681 Equifax is govern by 15 USC 1681.And they violated my right numerous time I demand the account listed below updated status current never late According to 15 USC 1681 : i have the right to privacy and I did not give Equifax permission to furnish these account XXXX XXXX account number XXXX XXXX XXXX XXXX  : account XXXX