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

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. 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 that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022.
Product: Debt collection

In the mail today, Thursday, XXXX, XXXX, XXXX, received a validation letter, no date indicated, regarding an account that was incorporated in a Chapter XXXX Bankruptcy filing back in XXXX, XXXX XXXX Florida, and subsequently discharged the same year of XXXX. 
The amount indicated {$5300.00}
Product: Debt collection

They contacted my references and left the last XXXX digits of my bank acct. # and my social security # on their recorders.
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 have 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 available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

On XX/XX/XXXX My Step Mother received mail in my Maiden name but with her address from Jefferson Capital. I have never lived at that address and has never been listed as an address I reside in. I have not had this name in over 5 years. It contained private information. I have not been contacted from this debt collector by phone or email or mail at my current address that I have now resided in for almost 4 years I have also checked my credit report and show nothing. Below is Jefferson Capital Address that this letter was sent from. In my investigation I had found there is a class action lawsuit against this company from during searches for family members in attempt to collect a debt. 

Jefferson Capital XXXX XXXX XXXX XXXX NC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, MD 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
Product: Debt collection

I have disputed a credit card account opened fraudulently with citi bank. I have requested information from them in regards to the original contract, wet ink signature, etc. they have not sent me any findings nor any documentation after 10 disputes. I was under the age of XXXX when someone used the card to buy alcohol and many other things. Citi bank keeps returning my disputes as no issues with credit report and the debt belongs to me. I can not buy a home because of this and I am currently XXXX.
Product: Credit card or prepaid card

I was charged a late fee for a charge I was not aware was made until notified of a late fee. I called to have the late fee removed which was approved and I paid the balance amount. Later this approval was reversed without my knowledge and I was charged another late fee along with the original late fee. I was thanked on the original call for being a customer for 20 years, but now am receiving no service from Amex. 

I pay my balance in full on all cards and would like the errant fees removed so that I may close the account.
Product: Debt collection

On XX/XX/2019 I received a letter from Nelnet as response to a forbearance request that I made saying my loan was in forbearance. On XX/XX/2019 they withdrew {$120.00} from a bank account not associated with the loan I placed in forbearance. All of my other loans were on auto-pay for several years, but I never placed my new loan in auto-pay because I intended to pay for it with a different account. The money was not authorized to come out of the other account, but they took it anyway. When I called on XX/XX/2019, they told me that I could not get a refund for the money they withdrew without my permission or the permission of the account holder, and that my loan does not qualify for forbearance or repayment options. This account has already caused me problems because my grace period was taken away and I am in a situation where I'm being charged {$120.00} per month on this loan. I make {$350.00} every two weeks. I'm already starving myself to make ends meet. I can't afford this high of a bill, but I have no alternative except to pay because the department of education sent {$300.00} more than they were supposed to and if I pay that money back to get the grace period that I was guaranteed in my promissory note, then I won't be able to pay my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a bankruptcy and received correspondence that it had been removed from my report and it has not been removed.
Product: Credit reporting, credit repair services, 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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX Acct # - XXXX XXXX XXXX XXXX Acct # - XXXX XXXX XXXX Acct # - XXXX XXXX XXXX Acct # - XXXX XXXX XXXX Acct # - XXXX XXXX XXXX Acct # - XXXX XXXX  Acct # - XXXX XXXX Acct # - XXXX XXXX XXXX # - XXXX XXXX XXXX Acct # - XXXX XXXX XXXX # - XXXX XXXX  Acct # - XXXX XXXX XXXX XXXX # - XXXX XXXX XXXX XXXX # - XXXX XXXX XXXX XXXX # - XXXX XXXX XXXX XXXX # - XXXX XXXX XXXX XXXX # - XXXX XXXX XXXXt XXXX - XXXX XXXX XXXX XXXX  Acct XXXX - XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # - XXXX XXXX XXXX  Acct # - XXXX XXXX  Acct # - XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Debt collection

I was in a auto accident and I have a judgement against me. the law firm will not report the payments I am making to the credit bureau, so I can be shown as making the payments on time.
Product: Credit card

I had fraudulent charges on my credit card in 2013 and could n't resolve the issue with Capital One. Capital One sent the invalid amount to debt collections and had XXXX XXXX XXXX XXXX. file a lawsuit against me, after I had disputed the debt and had not received any communication back regarding the dispute. They had XXXX XXXX XXXX XXXX. file suit in the wrong Justice of the Peace Precinct for me. I was never informed anything, never served for the lawsuit and only found out about it via a advertisement from a local attorney who was advertising to defend me in the lawsuit. I hired attorney XXXX XXXX to handle the case for me and had the case moved to the correct Justice of the Peace venue for me and had the case dismissed with predjudice. After which Capital One continued/continues to report this negative information on my credit violating the FCRA, and had XXXX XXXX XXXX XXXX. file another lawsuit in yet again another incorrect Justice of the Peace for me, which I found out again by another advertisement from an attorney offering to defend me. I then engaged XXXX XXXX to file suit against XXXX XXXX XXXX and Capital One for multiple and wilful violations of my consumer and civil rights. XXXX XXXX got the 2nd suit agaist me dismissed, but after which I lost all contact with him and he never proceeded with my case agaisnt Capital One and XXXX XXXX XXXX. I left the matter alone as I thought it was all resolved and the derogatory claims on my credit had been removed. But i 've recently tried to get credit and found that this is still be reporting in violation of the FCRA on my credit by Capital One.
Product: Debt collection

I received the alert below in regards to an account i have not opened. Because I did not open the account I am not responsible. This credit blemish affects my employment which require Top Secret clearance which I have had for over 15 years. 

Source EXPERIAN Alert Date XX/XX/2019 Balance Amount {$790.00} Is Collection YES Open Date XX/XX/2019 Payment Status XXXX XXXX XXXX ( COLLECTIONS ) Status Date XX/XX/2019 Name XXXX XXXX XXXX/ Phone ( XXXX ) XXXX Business Type YC Street Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX
Product: Credit card

I recently purchased XXXX XXXX XXXX XXXX from XXXX. The items were not as they were described. I provided XXXX pages of relevant information to my credit card company. Citi rejected my dispute, ( which I am in the process of appealing now ). The information the merchant provided Citi was " Per our policy we can not issue a refund as the items were in the condition as described. The customer knew the condition he was purchasing this order in. '' This is false. The listing of the item was intentionally misleading and deceptive. Citi should have been able to see that, because I provided so much relevant information. I provided pictures of the listing, my initial request for a refund through the merchant 's customer service, what I received, how much I paid, tracking information, what the cost is to replace the earmuffs, and more information, too. The answer the merchant gave to Citi is not enough to determine if I am responsible for the amount or not. It is literally two sentences without any elaboration. I sincerely hope Citi recognizes this and overrules the dispute in my favor.

The files I've attached are some information on what happened. " XXXX  '' is what I submitted to Citi for the dispute. " XXXX, XXXX, XXXX, XXXX and XXXX '' are screenshots of my dispute portal on Citi 's online banking website. 

Also, it is worth mentioning that the merchant is a BestBuy affiliated website. They sell returned and other BestBuy items. My credit card through Citi is a BestBuy card. There may be a conflict of interest there as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

For months dating back since XX/XX/2023, Ive been disputing inaccurate information on my credit report as Ive learned through the FCRA. Due to my inexperience doing this I looked up templates online to help type up a dispute letter and what a dispute letter should say. 

Experian, XXXX and XXXX has denied me my civil right to dispute this information on my report. They wont even look into it. They continue to stall by sending letters saying they believe in a third party service etc etc. Everytime I responded by telling them it is me. And I wont even get a response. FCRA, states these companies have 30-45 days to investigate these matters and they have failed to do so, therefore they should be removed. 

I am trying to buy a house and this delaying the process. I can not wait another 2-3 months.
Product: Credit card

I deposited upwards of XXXX into Fanatics sportsbook. They then suspended/closed my account without no explanation and I have over XXXX of funds in my account. I have reported this to the gaming control and made multiple complaints to citizens bank regarding this and am constantly getting denied without no explanation. I have not received any documentation that Ive asked multiple times for. Ive asked them countless times to obtain documentation from the merchant regarding the closure of my account. They can not provide me anything. The merchant is in the wrong here and citizens bank is not doing their due diligence to provide me any documentation that suggests they arent!! This is ethically and morally wrong and it needs to be fixed! I have provided proof of the suspension of my account and citizens bank has proof of all the money that I deposited with that merchant. This needs to be fixed as soon as possible!
Product: Debt collection

On or aroundXX/XX/XXXX, I had fell upon very hard times and took out a payday loan from XXXX XXXX. I was unable to repay the loan according to the original terms and called XXXX XXXX to try and work things out. They told me the terms were no negotiable and my account would continue to be charged astronomical interest fees on a daily basis and be turned over to collections. As I was on fmla medical leave at the time with only a small portion of my normal pay I was unable to meet their demands. Several months later I received a mulitude of threatening emails, text messages, and phone calls from Ad Astra Recovery Services threatening to sue if I did not pay not only the original amount borrowed from XXXX XXXX  but a few thousand dollars more in accrued interest and that they would keep charging my balance interest fees monthly until paid in full. I made arrangements to borrow money to pay off Ad Astra Recovery In Full in XX/XX/XXXX with a promise to pay in full for deleting their reporting to XXXX, XXXX, and XXXX ( Pay for deletion ). I went to their lawyers office on XXXX XXXX in XXXX XXXX  and paid the original loan and interest in full as well as the additional accrued interests and charges they collected from me to prevent being sued. They were suppose to remove the remarks and account from my credit report but have not done so despite multiple and repeated credit reporting disputes. This account on my credit has caused me great harm financially and hurt my ability to secure a mortgage loan. I want Ad Astra Recovery, a third party collection agency to remove this information from all three bureau credit files permanently. They did not hold up their end of the bargain and I paid them over {$5000.00} for a loan that was thousands less than owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be in error : Please delete the following mis-reporting or not proven compliant, alleged information found on my credit report : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXXXXXX XXXX I did not authorize or sign for any of these inquires and by the provisions of the Fair Credit Reporting Act. I demand that these items be investigated and removed from my reports. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the address above. According to the act, there shall be no charge for this updated report. 

Thank you for your time and help in this matter.
Product: Payday loan, title loan, personal loan, or advance loan

Originally I tried to apply for an SBA 7a loan through Wells Fargo. I was directed to take a personal loan. Even though I met the credit score requirements and had a business account with the company I still was denied with an unclear explanation. No follow-up or reason for denial. I was told that there was no way to appeal the decision and all decisions were final. I felt that the Bank 's lending practices were racially biased because another individual with a lower credit score and similar time in business and similar business practice was approved. The only difference was that my business is a XXXX XXXX and he was not. Financially my company was strong but we didn't get an opportunity for any business loan. Wells Fargo Bank 's current business practices are very restrictive and I feel my rights were violated by redirecting my company to apply for a non-SBA product where discretion to deny applicants based on their own biased criteria. Wells Fargo doesn't offer the SBA loan online or at several local branches in neighborhoods of color. I tried to apply at several branches but was told at each branch they do not do SBA loans at the branch to try online. 

As a XXXX XXXX XXXX XXXX  obtaining financing is critical to my company 's success and to the payment of my employees on time. Wells Fargo 's engaging in these discriminatory practices not only effects on my business but also the larger community.
Product: Credit card

when Macys changed their billing info to a different bank, they changed m account numbers, moved purchases bought on Macys Am Ex with a 16 % APR to Macys Store with a 25 % APR without telling me. They also shut me out of my account on line and as such after 8 months of phone calls could not get them to send paper statements. I paid each month by phone w/ no idea of what was in the billing. I was unable to return items in this period as they had changed the account numbers the billing and original receipts did not match, Many calls to customer svc then many emails to CEO XXXX XXXX, a XXXX called and got me on the web site and arranged for me to return the items had been unreturnable for more than 10 months. But XXXX went on vacation and after returning items ( with much hassle ) we demanded interest adjustments. XXXX denied claiming the interest charged paid on items never worn with tags pristine was rent for the item - ie one return had cost {$55.00} in XXXX and by the return time interest had accrued on it for an addition of {$250.00}. That 's just one of the items returned. We debated with XXXX who then accused my mother and self of having " taken '' stolen the items we were returning. We have the original receipts - and they Macys Am ex number charged on does not match the new account number Macys gave us to increase the interest 9 %! Even sending proof in email they refuse to deal with the real issues - Changing account numbers! Moving the XXXX to store account to increase interest from 16.9 to 25.8 % which elicited Macys XXXX of dollars in interest, Calling us thieves and slandering us, failure to credit interest adjustments, and when we placed the account inn dispute continue to charge interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is inaccurate because the date of last payment and date of last active is not reported the same with the reporting bureaus. Also the payment histories area different.
Product: Debt collection

I wasnt given proper notice of how much the bill would be and my insurance was suppose to cover the amount and the company didnt provide accurate information of how much I have to pay out of pocket. This bill is not accurate and they did not give proper notice to the consumer before the consumer decided to utilize the service performed. I'm asking for this information to be removed from all credit reporting agencies.
Product: Money transfer, virtual currency, or money service

I was unaware the card I get in mail was ever used, I did set it up when I received it, but did use it 3 times that day and that day only, maybe used {$100.00} all others transaction I'm unaware of, in till I Seen my credit report, I even reported that card lost and still see transactions after that
Product: Credit reporting, credit repair services, or other personal consumer reports

I used XXXX XXXX to check my credit report and I have several " hard inquiries '' that I don't recognize. How do I remove these from my report? 

- XXXX on XX/XX/XXXX - XXXX on XX/XX/XXXX - XXXX on XX/XX/XXXX - XXXX  on XX/XX/XXXX - XXXX on XXXX XXXX XXXX - XXXX on XX/XX/XXXX Thank you
Product: Mortgage

On XXXX/XXXX/16 XXXX paid off my Ocwen loan. XXXX sent Ocwen {$350000.00}, which left an overpayment of {$5000.00}. XXXX/XXXX/16 I received an email from Ocwen stating " Ocwen received a payment on XXXX/XXXX/16 for the amount of {$340000.00}. '' XXXX/XXXX/16 I checked my Ocwen online account information and it showed the XXXX payment made by XXXX and a " XXXX balance '' under escrow portion, next payment amount, unpaid principal balance and escrow balance. I called Ocwen XXXX, XXXX and XXXX and each time the customer service rep confirmed the amount of my pending refund, but said it had n't been issued because they have to make sure there are no fees owed on my loan before they issue the refund. When I explain my online account information shows nothing owed, they say, per RESPA, they have 30 days to issue my refund. XXXX/XXXX/16 I spoke to XXXX XXXX, Escalation manager and when asked why they are holding my refund, she said " we just have to finalize everything and get approval to send your refund. '' I told her it had been two weeks and my online account shows a XXXX balance owed, so I wanted something in writing, as to why they ca n't issue my refund. She said she would call and ask the payoff Dept to expedite my refund. XXXX called back an hour later and said the payoff dept told her to contact their cashier dept, but she has to email them and they take 3-5 business days to respond to emails, but she will email them daily until they respond. I told her this was unacceptable and asked to speak to someone above her. She said the supervisors were not taking phone calls and it would take a supervisor 24-48 hours to call me back.
Product: Debt collection

I was at work and the person never would identify himself and kept asking me to identify myself, and when I did, I informed him that I needed to know who I was speaking with, he got smart and said I told you who I was and stated XXXX XXXX from XXXX XXXX. As I told him it was put in writing not to contact me and you should not be contacting me, he stated that he was calling in regards to collecting a debt, and I stated again that XXXX XXXX and the collection agencies that they have hired know not to call and he acted like it did not apply to him and kept harassing me with conversation regarding a debt, I am at work and I hung up and submitted this complaint
Product: Bank account or service

I made a {$700.00} deposit to 5/3 Bank in XXXX NC on XX/XX/2016 at XXXX using the night deposit. When I checked my account at XXXX that evening they had not credited my deposit. Yet, they had charged me an overdraft fee at XXXX. My car payment will be drafted out tonight so it will bounce and I will be charged yet another fee. When I called customer service, the lady suggested I go to the branch. I am sorry, but I am not taking off work when they should be checking the night deposit daily. They need to refund these charges and write a bank error letter to my car payment company.