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

I had this card since XXXX with all payments on time & in full. XX/XX/XXXX I received a letter via the postal service-Dated XX/XX/XXXX- ( Bank of America CC had me go paperless in XXXX. After that all communication, bills and payments were done online, ph or email ). It stated that I haven't used my CC in 2 years & to keep it open I needed to used it by XX/XX/XXXX-Or they would close it on XX/XX/XXXX. I tried to remember. But, was dealing with the death of my Mother ( XX/XX/XXXX ) & dealing with my grief & the Estate duties. I saw the card in my wallet & used it on XX/XX/XXXX ( I couldn't remember the dates the letter mentioned & assumed it was by the end of XXXX ) The purchase went through, so I assumed I was correct, XX/XX/XXXX I got the e-bill & paid online on XX/XX/XXXX. XX/XX/XXXX I received an email from XXXX stating there was a change in my credit. I received nothing from Bank of America. XX/XX/XXXX-I received a paper bill in the mail with a due date of XX/XX/XXXX-for the already paid bill of {$13.00}. I called Bank of America on XX/XX/XXXX & they confirmed my account was closed for inactivity & couldn't restore that card. Now after a lifetime of stellar credit. My credit score has dropped to " Good '' & I am treated like I have bad credit. They need to reinstate a CC from my original date to restore my credit. As of XX/XX/XXXX-I just learned I have NO FICO score. XX/XX/XXXX-Filed with the XXXX. XX/XX/XXXX-Received email from a BoA resolution agent-I then called XX/XX/XXXX & XX/XX/XXXX-Got vm, left msg. XX/XX/XXXX-XXXX  called me back , we spoke for 7 min.XX/XX/XXXX-I emailed & asked for an update ( He to this date XX/XX/XXXX hasn't replied to the email ) .XX/XX/XXXX I cc, lvm,XX/XX/XXXX I called 2X. he returned my call minutes before he said he was leaving-I cc, lvm. XX/XX/XXXX-XXXX  called at XXXX & said he was just waiting on 1 more thing & should soon have an answer. XX/XX/XXXX & XX/XX/XXXX-cc, lvm. I have also sent XXXX  multiple emails asking for an update-with no reply. XX/XX/XXXX-I filed a complaint with the Attorney Generals office-who has now sent 2 letters to BoA & suggested I reach out to you. This was my only credit card ( obviously I am not the type to like using these ). And now after 29 years of having, using & promptly paying with this credit card. Their uncalled for actions have totally ruined my stellar credit. This wasn't cancelled for irresponsible use-But rather, they are choosing to punish me for not charging enough.
Product: Credit card or prepaid card

The company did not clarify that they were doing a credit pull, and I was unaware of this until I received a alert on my phone. Fraud and deception took place on XX/XX/2021. I want this removed expeditiously I went back to speak to the representative and complained to her. She stumbled and said its a soft pull. I never authorized my credit to be pulled
Product: Checking or savings account

On XX/XX/2022, the Chime app notified me of XXXX charges of XXXX and XXXX at XXXX XXXX XXXX in XXXX, PA, on my checking account using my debit card while i was at work ( In XXXX XXXX, PA ) totalling XXXX. I checked my wallet and my debit card was in it, making this impossible. I immediately cancelled my debit card knowing that someone had my debit card number. No more than an hour later, I put in a dispute on both charges on my Chime app, in which I stated that I was at work with my debit card. On XX/XX/XXXX, I received an email stating that my dispute was denied because both charges were authorized. I called Chime member services the same day, and they stated that I would need to start a rebuttal and provide " more details ''. On XX/XX/XXXX, I responded via Email with more information. I provided an incident report from the XXXX XXXX Police Department, and the merchant location and information provided to me by the XXXX XXXX XXXX XXXX Department. The XXXX XXXX XXXX Department refused to release any charge or footage without law enforcement authorization. The XXXX XXXX Police Department has XXXX officers on duty and still has not called Redners to this day. I provided Chime with enough documentation that my debit was used without my knowledge. On XX/XX/2022, after XXXX weeks of phone calls with Chime XXXX XXXX, I closed my account and still have not been given the {$290.00} back.
Product: Mortgage

Greetings, The problem company is Specialized Loan Servicing LLC. The problem goes back for years right now I am not in liberty with the exact dates but I do have current dates. In XXXX of XXXX, I mailed a payment of {$1300.00} to SLS. They claim that they never received the payment. So I stopped payment on the check. On XX/XX/XXXX, I submitted an electronic payment to SLS and I was current afterwards. In XX/XX/XXXX everything was fine with the payment but my wife had panicked and mailed SLS a payment for XX/XX/XXXX and I also paid SLS Loan servicing electronically in XXXX, With XXXX 's payment ( XXXX ) check already cleared by my bank of XXXX XXXX, that meant that my wife 's payment was for XX/XX/XXXX, this current mortgage payment. SLS only applied {$500.00} to the XXXX payment. My wife mailed 3 money orders to Specialize Loan Servicing. Two {$500.00} money orders and 1 money order for {$360.00}. 74, when we spoke to SLS about a week ago they told us that they didn't receive any payments. After a heated discussion on my behalf they finally told my wife and I that they have a {$500.00} money order payment and the other {$500.00} money order plus the additional {$360.00} dollar money order had not been applied to the account for the month of XX/XX/XXXX. We were told that only one money order was scanned and that the other money orders were not scanned. In which I personally believe that fraud is involved with the additional money orders. It makes no sense to receive three money orders in an envelope for a mortgage payment and only apply one of them to the mortgage payment. Specialized Loan Servicing holds our mortgage payments in order to get money from late charges. I had been using Priority Mail from the USPS in order to track the mortgage payments through the mail. I have much more details about SLS but the character input on this website are limited. Please help. I'm sure I am not the only SLS customer to be defrauded in this manner.
Product: Debt collection

15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Debt collection

I have sent written notification asking that this debt be validated not verified. I have not received a contract with my signature stating that I am responsible for this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both companies, XXXX and Experian, are now trying their best to hide the fact you can get a one-time security freeze. Freezing your account now requires a paid premium monthly membership to freeze your credit report.This is not true, but I was specifically told by a XXXX that this was the case. Going to their website, you are now unable to find out where and/or how to freeze your security without the premium monthly membership. I feel this is nothing more than an attempt to increase sales after the major XXXX breach, taking advantage of people like me who had their credit compromised due to the breach. Both company 's phone systems are obfuscating a one-time credit freeze as well.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Experian is reporting wrong address on my report in which i never have lived at. They refuse to remove them. XXXX has already removed from my report. 

Address never lived at. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit card or prepaid card

I purchase {$500.00} gift cards using my SEARS Citi Master Card from XXXX XXXX XXXX. 
My card has be declined on at least ( 5 ) times and I was assure that this would not occur again. We live in a small community and it is very embarrassing to have your card declined in a check out line where we own a business and a lot of people know us. 
When we contacted Citi and explained this problem that only occurs at XXXX XXXX, they stated that they would note this and we will not have this recurring problem again and gave me a {$25.00} credit for our problems. On XX/XX/XXXX I planned to purchases ( 2 ) two {$500.00} gift cards and to avoid any problems I called the fraud division @ XXXX and tried to explain that was going to make the aforementioned purchase and was having difficulty understanding the person who also was inquiring about my Home Depot credit card which had no bearing on my Sears Card. I believed I had called a fraudulent phone number. Upon calling back I spoke to an XXXX who had all my security information including phone numbers, passwords etc. and then demanded my personal banking information and account information before she would discuss anything with me. I was having great difficulty in understanding was she was saying do to the fact she had a foreign accent. I believe I was discriminated against because I was unable to understand her and she blocked access to my card for retaliation and for threatening to file a complaint. I requested to speak to a supervisor, I was then placed on hold and upon entering XXXX XXXX I was disconnected from Sears Citi Card. I did not receive any texts or calls and when I attempted a {$49.00} purchase my card was declined. My account was up to date, I just paid the entire balance of {$7600.00} on XX/XX/XXXX my credit limit is {$20000.00}. I'm totally IRATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife has an account on her report that she had some issues with and returns, however I am not associated with that! I was denied check writing privileges under my name, my social, my dl because they say her being a authorized signer on my bank account hurts me writing a check!!! that is completely false, I had no connection with the account she had issues with and I should not be punished when I personally write a check whether she is on that account or not, she is not writing the check, I am under my personal information. to associate us together and punish me for using my personal information to write a check is completely illegal.
Product: Debt collection

Debt Collector National Credit Systems ( NCS ) claimed that I owed an Apartment Complex in XXXX TN rent without providing any supporting documents. XXXX also reported to the XXXX Credit Agencies about this faulty debt collection account, which caused major damage to my credit score. I called XXXX and told them that I never lived in that apartment because I have been living in CA. I sent out a debt validation letter to XXXX on XX/XX/2022 asking for supporting docs and how the debt is tied to me. XX/XX/2022 I received response via mail from XXXX. The supporting docs they have is a copy of lease agreement. I read through the lease agreement and did not find any ID or SSN that was pointed to me. The tenant used my name and initials. The signature was e-signature instead of handwriting signature. This is not sufficient to claim that I owe the debt. XXXX should have done a thorough investigation before they claim debt and report to my credit account to ruin my credit score. 

To summarize, without sufficient evidence, this company tries to collect debt and ruin people 's credit. Based on some e-signature, they turn me an innocent people into a victim and a debt owner. This is ridiculous. Anyone could use someone else 's name and forge the e-signature to get a lease. Is it enough to collect debt from people who use the same name? No. 

I have reported ID theft to the police office ( case card attached ).
Product: Debt collection

XXXX XXXX wrote of sums of money and sent it to Kenneth, Eisen & Associates, Ltd. 
Physical Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX who place XXXX debt collection on my credit report. Only to find the amounts and monies owed to XXXX XXXX were erroneous, there has been no pre validation attempts by the above mentioned Debt Collector nor a 30 day dispute process the information was automatically just posted to my Credit report. After speaking With XXXX XXXX it was their error that this went into this state of collections. This collection agency needs to remove BOTH collection records on my Report.
Product: Checking or savings account

Good day.   I am filing a complaint against Navy Federal Credit Union in what I believe to be illegal and false loan practices.     I had several credit accounts with  Navy Federal ( cr edit card, line of credit, overdraft protection ) that fell behind due to illness. Although I made small payments, the accounts were still behind. I received a call from  Navy Federal in e arly  XXXX   XXXX  asking if I would be interested in a consolidated loan for all the accounts. As I had returned to full-time work in  XXXX , I was excited and eager to get everything back on track.     After speaking to the gentleman on different occasions, I was happy to agree to the loan as long as there was disability/death protection coverage, as well as the interest rate couldnt be higher than whatever was the highest rate on my various loans/credit cards. The gentleman assured me that wouldnt be a problem, and that I had been approved. He advised that the promissory note coming would provide that information, as well, that until I signed and returned the promissory note, the loan was in a temporary approval.     I received the promissory no te ( attached ) and the interest rate was wrong, and more importantly, no disability/death insurance was included. I immediately started calling Navy Federal to advise my concerns, and that I didnt w ant the loan. I was placed in someones voicemail, and assured that someone would call me back. I did NOT receive any calls regarding my complaint, and desire to void the loan. Each call was to advise that I missed the first payment, and wanted to know if I wanted to make arrangements for the payment. Each time I advised that the loan was INCORRECT, and I never agreed to the terms of the loan. Each time I was PROMISED the original loan agent would call, and to this day, Ive NEVER received a call from this individual.     The only person who has at least attempted to resolve this issue has been a  XXXX   XXXX  at  XXXX .  XXXX   XXXX  was able to provide the following dates that I called :  XXXX   XXXX ,    XXXX   XXXX   XXXX   XXXX   , and  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX , and  XXXX   XXXX . I also have an email that I sent on    XXXX   XXXX   XXXX  ,   regarding the loan, that I never received any response. Im sure there are more calls, but I cant prove this. Additionally, Ive asked to have a copy of the recorded calls released to me, which  Navy Federal has refused.     Navy Federal has deduc ted and replaced funds from account on   XXXX   XXXX   XXXX   XXXX   XXXX   , and the lat est was  XXXX   XXXX  which they are refusing to return.     At this point, this loan should be voided, as well as removed from my credit report. Im not sure what can be done regarding compensation, but clearly this is all illegal. The only resolution they are offering is to place me in a voice mail where no one returns my calls.
Product: Checking or savings account

On XX/XX/XXXX my car was broken into and my ssn card, DL, Debit card was stolen. Contacted police made a report with the XXXX Police XXXX # XXXX in TX. I called Chase bank to report my debit card being stolen. XX/XX/XXXX Received a call from Chase Bank in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX phone XXXX with XXXX XXXX. She stated if I am trying to make a deposit I stated no I am at home she said you are not tryting to deposit $ XXXX and make a $ XXXX withdraw I said " NO '' she made statement that someone is in drive thru trying to make deposit she alerted police. I told her not to process check. The criminal managed to flee the scene. I immediately called 1800 chase number to confirm the call was not also fraud they stated they were contacted to at this time they will make an investigation. I offered incident report with police on each call I have made after this day no one wanted to take it. I walked into chase bank institution the following day said what do I need to do. They advised to open new account while other will be investigated. In the course of the 90 days I had Chase bank do their own 3 attempts of misc withdraws from my new account to make old account positive. Which I was told the old account would be restricted. Several mistakes have been made if you look at the check my name is mispelled, no signature, I did not have $ XXXX funds in account to have that withdrawn. Chase bank has been negligent in allowing the check to process, seeing that I report a stolen debit card this did not alert them to process the check. Chase Bank has consistantly turned my new account negative for days then crediting it back. I have been in contact with Fraud department, recovery department, claims dept, research dept and customer service no one is able to assist me nor give me any information. They all state the its the other department resposible. I been left without answers without assistance and to this day my account stands negative. The instution has video footage and phone call recording yet they are still after 90 days are unable to make a resolution to the investigation. They closed my account after 90 days to make the negative account positive and instead of sending me to collections they tapped into my new account and will buy them an additional 90 days to find a resolution. While I stand here at a negative account as a single mother with XXXX children. All my utility bills are coming back stating my account has been declined. Monday is XXXX the bank will be closed I spent all day the bank today without able to get a temporary credit as they continue their investigation. This error also happened the day before XXXX holidays leaving me and my children on an American Holiday at negative account for days. The bank has been negligent with several errors and left me in the dark.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I request our free credit reports from the 3 bureaus every year since it first was offered. Our most recent request was XXXX XXXX, 2017. Neither of us have problems with XXXX or XXXX. My wife always receives her eperian report promptly.
However, I have a complaint about experian. EVERY year, they ask for " additional '' information on myself. Name, SSN, address, date of birth PLUS copy of government ID PLUS utility bill. They say they can not find me and offer " special offers ''. In other words, they do not want to give the free report, they want me to buy their products.
My wife and I have the same address and same accounts. I provided all requested info and document copies, but they still can not find me. This seems wrong to me. I have purchased my report in the past and they can magically find me. I think experian needs to be a more professional company. Of course, you ca n't call them and it takes so long to hear back when writing. Please help.
Product: Credit reporting

In XXXX XXXX my account was accessed ( not by me ) and my report was run. I asked equifax to provide the IP address that was used to access my account. I called and made this request in XXXX XXXX. I was told to call back every couple of weeks to check status. On XXXX XXXX I called and was told that the company found no fraud and that an IP address could not be provided without a subpoena. I asked for this in writing and was refused. I fail to understand how or why an IP address for a log into my secured account requires a costly subpoena. Terrible service. Additionally, agent hung up because I told him the service XXXX. Also, if you call and follow prompts to close your paid service you are locked out to a fast busy from the VRU. I asked the agent named XXXX for the name of the regulatory body that I would contact to file w complaint. He gave me the XXXX information. I informed him that they were a consumer advocate but not a regulator and he told me that is all he could provide. Misinformation and lies.
Product: Checking or savings account

I banked with Wells Fargo for over 15 years, within the last years my account was charged for overdrafts in excess. I asked bankers to not authorize payments if funds were not sufficient. Then in in XX/XX/XXXX, Wells Fargo closed my credit card account that I have had since XXXX without my consent. I used the card regularly and the last 4 months before closing it was paid off every month.
Product: Checking or savings account

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

I took out a payday loan with this company ( which I realize was a bad choice but I was desperate at the time ... I went back to look at my payment history to try and figure out when this " loan '' would be paid off and I learned that I had made 6 payments of {$XXXX} each and my principle loan amount had only gone down by a few dollars! I can not afford to keep paying this loan and learned that these types of loans are not legal in my state and I had already paid back what I borrowed plus interest. I asked them to stop debating my account and reported to them that they are not licensed to lend in my state and they attempted to offer me a settlement. This loan is bankrupting me!
Product: Debt collection

XXXX XXXX XXXX - opened on XX/XX/2018 - balance {$200.00} XXXX XXXX XXXX -- opened XX/XX/2018 -- balance {$100.00} I don't have a contract/agreement with the agencies above. I request for this to be removed from my credit agencies ( XXXX, XXXX and XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the team at Vitalchek to procure a certified copy of my birth certificate. I supplied them with the requested Driver 's License documentation in order to process my request. 

I placed the order using the name that matches the name on my Driver 's License and the name that matches the credit card that was used to place the birth certificate request. 

Since then, I have been bombarded with non-stop interrogations by Vitalchek 's Customer Service team regarding a name variation on my birth certificate. 

The name that I currently use is the same name that I have used from elementary school through college. The name that I currently use is consistent with the name that is on my social security transcript and consistent with my passport identification. 

Vitalchek should not be used as an extension of any local or state agency 's records processing team -- Their order processing team is dismissive and abusive to the public, at large.