23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I specifically do the math beforehand to make sure I have sufficient funds in the account and for some odd reason there is never the correct amount. It's been going on for years. I would just appreciate if someone could take a look into this and make sure because it's been constantly happening and it's frustrating because it continues to happen and I do the math correctly and do it twice to make sure it's correct and wellsfargo continues to take more money than I thought
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Well it started when I asked XXXX to look into my XXXX XXXX account, which was closed and had erroneous information on it. It said that the account had been sold to another lender. Well they reaged the account that has been closed since 2013, and Equifax has it not showing a closing date. I try to fix one thing and they try to get me on another.i managed by to take photos of the old XXXX account before they doctored the results. Equifax has it wrong to.
Product: Mortgage

I was current on my loan till XX/XX/XXXX, in XX/XX/XXXX Ocwen ask me to re-modify my loan lower my interest rate, told operator i would be making XX/XX/XXXX's payment later that week Ocwen 'said does n't matter if month behind or 2 yrs behind we 'll re-modify your loan lower your interest rate and make your house more affordable I GUARANTEE IT we 're Ocwen this is what we do keep homeowners in their home. After 10 months of updating turn me down wanted XXXX , offered XXXX $ said all or none.
Product: Credit card or prepaid card

In XX/XX/2017, Chase closed all of my credit card accounts with no reason given. I appealed the closure of the accounts but they were not reopened. 

On several of the accounts I paid annual fees for the use of those cards. Those annual fees were not returned to me even though I was no longer able to use the cards.
Product: Payday loan, title loan, or personal loan

I got a loan with Nertcredit last year for XXXX and from the time of me having the loan, I have only paid down to a couple of hundred dollars. The interest on this loan is extremely high. When I read about NetCredit Loans, apparently there has been a lawsuit against this Company because of charging people high-interest rates. I was unaware of the interest at the time. With the interest rate, I'll be paying back XXXX. I have been trying to contact them about this. I would love to settle this and stop paying on this high-interest rate loan.
Product: Credit reporting

I have a car loan through XXXX bank. I have paid monthly payments on this car loan for 5 years. This loan isnt showing up on my credit report through XXXX nor Equifax. Not having this information is effecting my credit report. I need to get this information on my report as it is effecting my overall credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by a representative that the payments were not late and no late fee charged, but credit report states two late payments.
Product: Credit reporting or other personal consumer reports

See attachment. I want my personal information updated on my credit report. The attached letter will outline my request.
Product: Credit card or prepaid card

I can't remember specifics. I just want to make CFPB aware of predatory practices by BoA. Their autopay system does not take into account any payments made prior to statement balance autopay date, and debits your bank account the last statement balance regardless of current balance. Furthermore, there is no option to autopay current balance. This is clearly being done to prey on those not savvy enough to catch on. I'm hoping for their tactics to end, and for their customers to be treated fairly. I've never dealt with a credit card company with such a glaring defect in their autopay system.
Product: Mortgage

On XX/XX/24 I had not gotten my mortgage statement and did not want to be late on XXXX payment so I called XXXX and XXXX for payment address was given XXXX XXXX address. On XX/XX/24 morgage statement came due on XX/XX/24 I thought by law you were to have it XXXX weeks before due date plus it was holiday weekend. When I seen it was suppose to go to Texas I called and stated I was given wrong mailing address on recorded line and statement arrived on XX/XX/24 was told yes they were late I asked if they would credit the stop payment due to the wrong address they couldnt comment to it. I mailed new check. My Bank is showing funds transferred XX/XX/24. I get letter XX/XX/24 from XXXX stating I was late and chg {$20.00} and would be turnover to credit agency XX/XX/24 if payment was not there. By I called XXXX and payment has not credited yet and funds in there hands XX/XX/24. I always pay extra {$100.00} for principal.
Product: Debt collection

Lvnv funding is reporting two fraudulent accounts in my name to the credit bureau I sent correspondence that was notarized and a police report verifying fraud they will not comply at removing the fraudulent accounts and keep reporting false info to credit bureau the credit bureau keeps removing and adding theses accounts after I dispute them
Product: Credit card or prepaid card

On XXXX XXXX, I moved into a house I had just bought. Since I will need to purchase a lot of home improvement supplies, I signed up for the Lowe 's Hardware credit card through Synchrony in XX/XX/2018. Synchrony sent me a letter asking me to call them to verify my identity. They asked me questions supposedly from my credit report. They then sent me a letter saying they couldn't verify my identity. I sent them an original of my credit report to prove my answers were correct. XXXX XXXX at Synchrony sent me another letter dated XXXX XXXX saying they still could not verify my identity, which is impossible because I am me.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXX XXXX  Balance : {$21000.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX Balance : {$530.00}
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS IS NOT MINEEEEE. 

XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX I NOT AUTHORIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent Experian a certified mail letter disputing the completeness and accuracy of the following information related to accounts on my consumer report. I have attached supporting documents to back this up.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cah App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CPA ). Specifically CASH APP, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Payday loan, title loan, or personal loan

Wells Fargo has done this to me once back in 2020 saying i never made a car payment. They took the money out of my bank account but never applied it to the loan : this made my credit score drop 40 something points back in XXXX of 2020. Wells Fargo did this again to my last car payment for this loan where they took the money out of my bank account and they never applied it to my final loan payment. I have not yet received my pink slip for the car and now my credit score has once again dropped 42 points. They never resolved the issue of my credit score they only apologized. Being a XXXX XXXX my credit score means a lot because I want to be able to buy a nice house or move into a better apartment and seeing how they need to have a credit score at a certain number Wells Fargo has tainted that for me. I do not qualify to apply for a new apartment since the credit scores ask for a score of 650 or higher. I would really hope you can resolved this as I have bank statements and receipts of payment for every single car payment I made to them. I was never once late for this car loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.XXXX XXXX {$390.00} XXXX XXXX XXXX {$11000.00} XXXX  XXXX  XXXX {$460.00} XXXX  XXXX  XXXX XXXX XXXX {$6400.00} XXXX XXXX XXXX XXXX {$400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have experienced an ongoing issue with the credit reporting bureaus regarding noncompliance with the Fair Credit Reporting Act. I have initiated investigations and disputes both electronically and via us mail. I have not received a response or the investigation summary results regarding any of the investigations and disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted the following : XX/XX/2021 Letter to XXXX updating personal information and removing names I am not associated with. XXXX is still reporting false names. 
XX/XX/2021. Letter to XXXX updating personal information and removing names and addresses I am not associated with. XXXX is still reporting false names. 
XX/XX/2021 Letter to Equifax updating personal information and removing names and addresses I am not associated with. Equifax is still reporting false names. 
XX/XX/2021. Letter to XXXX and XXXX regarding Fair Credit Reporting Act, asking to validate a debt. ( XXXX ) I have not heard back and is still reporting on my credit report. 
XX/XX/2021 Letter to Equifax asking for Debt Validation. ( XXXX ). No response as of today. 
XX/XX/2021 Letter to XXXX to verify a debt. ( XXXX ) No response as of today. 
XX/XX/2021 Letter to XXXX, XXXX and Equifax to validate information on the report. ( XXXX ) No response as of today.
Product: Credit reporting or other personal consumer reports

I'm a survivor of fraud. I'm writing to demand that you block the accompanying deceitful data from my credit report. I'm currently applying for another advance and these mistakes are causing an issue with my FICO ratings detailing appropriately, so any assist you with canning give me with refreshing this data quickly would be incredibly valuable. We are hoping to purchase a house. If it's not too much trouble, help
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to EquifaxXXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$870.00}
Product: Student loan

Over the years I have paid thousands of dollars, only to continue to have the same remaining balance. When I would call to ask why this was happening. I was told my interest rates are variable. I find it extremely convenient for Navient that my interest varies every month to prevent me from paying off my balance. If this continues I will pay off 3 times or more what I borrowed for my XXXX degree. I have also tried to consolidate and get fixed loans or offer a large lump sum payment to settle and I was told that is not an option with Navient. Something does not seem right with there accounting and as someone who does n't know the in and outs of my loan calculations, I tend to take what they say I owe for face value. I feel cheated by there system.
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$1700.00} XXXX  XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$6400.00} XXXX OF XXXX XXXX XXXX : {$4300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$990.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The problem began when I noticed that the same student loan is being reported more than once on my credit report. I have contacted my loan servicer multiple times, but the issue has not been resolved. Despite my efforts to clarify the situation with them, they have not corrected the erroneous entries, and as a result, my credit score has been impacted. 

I believe that the duplication of these loans is a mistake, and I am seeking assistance from the CFPB to investigate and resolve the issue. Specifically, I would like : XXXX. The duplicate loan entries to be corrected or removed from my credit report. 
XXXX. My credit score to be adjusted accordingly to reflect the accurate loan information. 
XXXX. Confirmation that my student loan servicer will take the necessary steps to prevent such errors from occurring in the future.
Product: Checking or savings account

I was to receive my payroll deposit on XX/XX/year> for {$100.00} with an XXXX XXXX of XX/XX/year>. I have not received it yet and they aren't answering calls now and the phone hangs up when you try to call.
Product: Credit card

On XXXX XXXX, I requested an investigation into a charge on Wells Fargo credit card. This charge was for a rental car that I did reserve but I was charged an additional {$300.00} " vehicle inspection fee '', a charge that I did not authorize and one that was over 3 times the amount of my original bill. When I filed the dispute with Wells Fargo, my credit card account was immediately restricted and I was no longer able to access my online credit card account. After following up with a Wells Fargo representative about regaining access to my online account and statements, the representative told me that " sometimes this just happens '' but he does n't know why. 

I eventually found out that my dispute was denied by Wells Fargo even though I did not and still do not authorize the {$300.00} vehicle inspection fee. I was told that the dispute was denied because the purchase was " verified '' by the company. I never asked for verification of the entire purchase. 

I recently opened a second dispute for this same unauthorized charge but I am still barred from using my credit card and I do not have any access to any of my account details or statements because Wells Fargo has deleted removed this account from online profile. 

Wells Fargo has infringed upon my FCBA rights forcing me to pay this unauthorized charge of {$300.00}. Wells Fargo has also infringed upon my FCBA rights by restricting my credit card account during 2 separate disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

AMERICAN EXPRESS Inquiry : XX/XX/2019 add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On X/X/2011 I paid off XXXX XXXX XXXX XXXX {$7700.00} for a truck loan and received the title. Upon checking my credit report I discovered XXXX XXXX XXXX XXXX had a remaining balance on my account for the amount of {$560.00} and was coded as a charge off. Please see attached supporting documents that dispute this report as well as a copy of the report.
Product: Checking or savings account

I filed a fraud complaint for unauthorized use of my debit card with Citizens Bank on XX/XX/2023 for a total amount of {$1800.00}. These charges were made between XX/XX/2023 and XX/XX/2023 at multiple businesses including XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX. There were a total of XXXX charges ( Ive included a pdf of highlighted disputed charges ), and some were charged multiple times in one day. I do not use any of these businesses. 

I received written notification that my claim was denied dated XX/XX/2023. 

I called Citizens customer service to obtain more information about why my claim was denied and the representative told me someone from the fraud department would call me and explain why my case was denied and that after this call, my case would be reopened and reinvestigated. I never received a call from Citizens fraud department. 

I received a written notification dated XX/XX/2023 that the additional review of your claim and the original decision stands and the claim remains denied.

I should mention that this is the third fraud claim I have filed with Citizens this year because my debit card has been compromised. The two other claims were determined that fraud did indeed occur and I was issued a credit to my account for the total amounts of the claims.
Product: Vehicle loan or lease

In 2015 I was placed into a car loan with a 24.99 % rate on a XXXX vehicle. leaving me to pay more than double on a car. locking subprime borrowers into auto loans it knew, in some cases, carried default rates of greater than 70 %. I was not offered any other option to finance a vehicle, I was unaware that an internal score was used to approve me and not notified. I am now upside down due to trading the vehicle in. A settlement was approved for {$200.00} that I have not received and that is not enough for the amount of the payments I made and the equity I am now in.
Product: Checking or savings account

I Am Wanting 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 Transactions Settled With Insufficient Balances Despite Initially Available Funds. I Believe These Practices Are Unfair and Request an Investigation Into My Account Transactions.
Product: Credit reporting 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. 

XXXX XXXX XXXX XXXX. 
ACCT : XXXX DATE OPEN : XX/XX/year> BALANCE : {$1300.00} 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 a 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.
Product: Mortgage

I submitted a request for a loan modification on XX/XX/2021. I have called CHFA multiple times since then for an update. Every time I call they say that it is under review. Today is XX/XX/2021. No loss mitigation option has been given to me. How does someone who is needing a loss mitigation option supposed to save their home from foreclosure. Other mortgage companies complete this process in a week.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I think I was over charged by Wells Fargo when loan was paid off
Product: Mortgage

I have called Mr Cooper constantly trying to get back on track with paying my regular payments. When I first called & was put on the forbearance plan the agent told me that I would have options when coming off & never told me I would need legal documentation. There is an agent on a recorded line that also explained that the information was misleading. I am now being told that I have to pay a lump sum while in the process of trying to do a modification in order to get back on track! This company has been nothing but horrible. What was meant to help out has caused more trouble