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

False Advertising on my XXXX Saving from Capital One XXXX
Product: Credit card or prepaid card

I had opened a dispute with the company because of an item I received defective, I opened a dispute with American Express. I provided to them all the detail on the damaged goods and the tracking number to return the item back to the seller and they still couldn't resolve the dispute in my favor. For some XXXX reason, I have no ideas why my case would be denied. 

Inquiry number : XXXX
Product: Debt collection

XX/XX/XXXX receive XXXX XXXX statement showing that I owe {$56.00}. I email them to say it was paid. I receive and email saying that the balance is XXXX and to disregard the statement. 
XX/XX/XXXX receive another XXXX XXXX statement showing that I still owe the amount. I email them again and they say to disregard and the balance is XXXX. I spend about XXXX minutes on the phone with quest. 
XX/XX/XXXX, receive XXXX XXXX statement showing I owe the same amount. I email again and am told they will look into it. I spend about XXXX minutes on the phone with quest. 
Summer XXXX begin receiving letters from CCS XXXX attempting to collect the debt. I call CCS and they say they cant use the emails I sent. I reach out to quest, and never get a reply. 
I upload documentation to the CCS website, the documentation from my bill pay platform showing the payment. I also include the emails showing the balance of XXXX. 
I get another letter from CCS not addressing the documentation I uploaded just a copy of the original bill from quest. 
I called CCS in XXXX and they said that my documentation was not legit enough and they need my bank statement. I email the bank statement and they say that is not enough and they need a copy of the canceled check. 
I request the canceled check from XXXX XXXX XXXXXXXX. Taking even more time because it is from over 1 year ago now. 
I upload the canceled check and still am receiving letters from CCS.
Product: Debt collection

They started reporting this the last three months to my credit report. They bought the debt from XXXX. I have not even been to the XXXX to get my blood work done. I called XXXX who did not ever send me the paperwork and then they said that they agreed it wasn't my responsibility but someone else as I have insurance and didn't even use them. They said that they can't fix it as the debt was purchased by the collection agency and the collection agency is impossible to reach and the one time I did they were unreasonable and hung up on me. 

NameCREDIT COLLECTION SVCS I Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusCollection account. {$480.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$480.00} Balance UpdatedXX/XX/XXXX Recent Payment $ XXXX   Monthly Payment {$0.00} Original Balance {$480.00} Highest Balance {$0.00} Terms1 Months On Record UntilXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

National Credit Adjusters LLC is constantly harassing and oppressing me after I told them to not contact me and is violating my rights under the HIPPA law because I didn't consent my information to be shared, also violating the FDCPA constantly harassing me through phone and emails and the FCRA this is a lawsuit and I will pursue for harassing me.They are using abusive, unfair and deceptive practices and also will report to the Federeal Trade Commission
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the THIRD complaint Ive filed against Experian. The previous TWO complaints stated that Experian has failed in its responsibility to remove my bankruptcy from their file. It was agreed and ordered that this bankruptcy was to be removed from my credit file after a five year period per court order. XXXX and XXXX XXXX have followed this order. 
In the multiple attempts to dispute this bankruptcy with Experian, Ive failed in have this stricken from their file. Every time they claim that the bankruptcy is to remain on their file, it states that theyve used a third party to verify public records and that I may contact them. Back in XXXX of 2020 I did just as they suggested. 
XXXX conducted an investigation and deemed that the bankruptcy was to be removed from their records. Ive provided multiple uploads as well as copies via mail stating the aforementioned by XXXX. It has the consumer number of XXXX and case number of XXXX. 
Ive contacted the dispute department of Experian after multiple hang ups or no option given for this type of a situation. This is the most frustrating part of dealing with Experian. Everything is automated and no one knows where to direct me if I get lucky enough to speak to a human. 
In the few times Ive gained the disputes department, Ive requested a manager. 
After telling them the same story time and time again, I get different suggestions to what I should do next. 
At one point I was told that XXXX has access to their system and that XXXX can update. 
Ive called XXXX and they werent sure what Experian was talking about. This whole process is a three ring circus. Please get involved with resolving this matter in dealing with Experian. They dont do their jobs and seem to just run algorithms/ protocols on disputes and dont really have a human contact XXXX for verification of their investigation of which Ive enclosed multiple times. 
Finally, after every dispute, Experian never includes any documentation supporting their decision. Id like a copy of XXXX starling the opposite of what I have in a letter stating it should be removed form XXXX. I have to provide documentation and curios as to why the dont provide supporting documentation. The only answer I get is that its to REMAIN via a third party provider and to contact them.
Product: Credit reporting or other personal consumer reports

I am writing regarding the account and vehicle financed through Bridgecrest Account # XXXX involved in an accident on XX/XX/2024. The vehicle was declared a total loss by my insurance provider, XXXX. 

XXXX has maintained constant communication with Bridgecrest regarding the settlement payment. They confirmed that the settlement process is underway, and payment has already been sent. Documentation for this process, including signed forms, is available for verification. While there were delays caused by USAAs internal paperwork issues, these delays were entirely outside of our control. 

Despite the progress in settling this claim, I have continued to receive calls and correspondence from Bridgecrest, including a recent notice regarding repossession of the vehicle. This vehicle has already been towed and is no longer in my possession due to its total loss status. Such actions by Bridgecrest are unnecessarily aggressive and unfair under the circumstances. 

Additionally, XXXX  reported my account as 6090 days late on payments, despite my consistent history of timely payments on this and other loans with your institution. This mark is inaccurate and unwarranted, as I have fulfilled all obligations within my control during this process. Penalizing me for delays caused by my insurer creates undue stress and financial harm. 

This issue is significantly impacting my familys financial situation, as we are currently in the process of applying for college financial aid. The erroneous late marks on my credit report are affecting our ability to secure aid, which could have lasting repercussions on our financial well-being. 

I respectfully request that Bridgecrest immediately : Remove any late payment marks from my credit report related to this account. 
Cease further collections activity on the account while the insurance claim is being finalized. 

My family and I have taken every action possible to ensure a timely resolution. We have trusted Bridgecrest as our lender for multiple auto loans, and I hope you will extend the same professionalism and fairness we have demonstrated. 

Thank you for your attention to this matter. I kindly request a prompt response to confirm the resolution of this issue.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> : As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

I have a checking account at ICBC USA, and on XXXX XXXX I mistakenly initialized a transfer without sufficient funds on my account. 

ICBC first charged me a XXXX overdraft protection fee ( which was later reversed ) on XXXX XXXX, and since the transaction was returned, ICBC later harged me a XXXX refund item fee for this transaction on XX/XX/XXXX. So in total I was charged XXXX dollars return item fee. 

I wrote to ICBC a couple of time to seek a solution to this issue but did not received any reply. I also called ICBC USA 's  customer service representative on XXXX XXXX to ask if she can turn off overdraft protection for me, and her answer is no, their system does not have this feature. 

According to the rules regarding overdraft service XXXX https : XXXX ), all financial institutions must clearly provide customers a notice if overdraft protection is needed or not at the time of account opening, and at any time, a customer can choose to opt-in or opt-out.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS I WENT TO MY TAX PROFESSIONAL TO GET MY TAXES FILLED, MY CONSULTANT TOLD ME THAT I WAS NOT ABLE TO FILE MY TAXES DUE SOMEONE USING MY IDENTITY. AS I'M TRYING TO GET THAT TAKING CARE I DECIDED TO GET CREDIT REPORT PULLED. WHEN I GOT MY CREDIT REPORT THERE WAS A NUMEROUS LISTOF THINGS THAT I HAVE NEVER APPLIED FOR IN MY LIFE. PLEASE REMOVE THESE OFF MY CREDIT AS SOON AS POSSIBLE. XXXX XXXX {$3700.00} XXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information.
Product: Credit reporting or other personal consumer reports

Thank you for removing some items from my file caused by incorrect credit report details. However, there are still items that need to be addressed. According to FCRA section 605, you are required to remove any items listed on an ID THEFT REPORT. I am submitting Identity Theft Report # 173580140. Under FCRA section 605B ( a ) ( 1 ) ( 2 ), you must remove any information in my file resulting from erroneous credit information within 4 business days of receiving ( 1 ) appropriate proof of my identity and ( 2 ) a copy of an identity theft report : XXXX : XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXX XXXX Balance Owed : {$720.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXXXXXX Balance Owed : {$720.00} XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXXTransUnion : XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX TN XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$720.00}. You have 4 business days to remove these items from my credit file. I do not consent to E-OSCAR or any automated verification methods. I expect your immediate attention to this matter and a response within 4 business days.
Product: Bank account or service

I was just looking over my bank statement for a mortgage and found the following issues. With all the rules on banks you would think this one is a simple one to adhere to! I 've had this mortgage for a long time and I think it used to show this, but now it does not. 
1 ) The amount of interest charge for the period. It shows the amount applied but it is impossible to discover if that covers the mortgage since there is no indication of the interested accrued for that period. 
2 ) All three columns indicating Interest due, Full Principle due, and full principle and interest are blank, or show XXXX. 
It is clear from the attached statement under option XXXX that you may not be making enough of a payment to cover your interest however there is no place on the form that indicates what that payment should be. 
Is n't it a requirement to show what one is actually paying and or required to pay to cover the mortgage. 
BTW this is Chase Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # XXXX I was never late 30 days XX/XX/2020 XXXX not sure how this happened, I have always made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.
Product: Prepaid card

Last month due to the inability to access my account through rush card for almost three weeks i occurred numerous late fees and penalties through my creditors. I have submitted XXXX bill for review through the upload and i will attach it to this as well showing that on the water bill i had a XXXX late fee/reconnect fee because my service was disconnected for non payment. Me and my kids ages XXXX and XXXX went 5 days with no running water in our home as a result to your company 's mishap. No to mention my landlord charge me a addition XXXX on the rent due to late fees that where accumulated. As far as rent goes I tried to pay my rent to my landlord and even he and I contact Unirush together and spoke to a lady from the XXXX and all she could do was tell me that there is a issue she cant pull up anything and hung up we called back three time following and each time they told us to hold and transferred us to the disputes department who does even handle that. My car note charge me an additional XXXX dollars for being late on my note they threaten repo and not only that my reputation with them is shot because i could n't give them a time frame on when my note could be paid. Unirush messed up so many people lively hood. While XXXX XXXX was at home eating with his family i had no money to pay for groceries for my kids due to his company had my money lock up. We ate noodles. I work daily and barely make it from pay check to paycheck now and then you hold my money causing me extra strife I do n't think its fair and i think you need to step up and cover the damages your company caused. At this point there may not be a XXXX cause i have to pay all this extra in late fees this outage was crippling to my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with all three credit bureaus for quite sometime. I just learned how to do so properly, including my police reports, FTC reports, etc. I have several accounts that are fraudulent including collections for an XXXX XXXX XXXX opened XX/XX/XXXX in the amount of XXXX , a fraudulent XXXX XXXX  XXXX  Charge off opened XX/XX/XXXX, XXXX XXXX XXXX which are in Charge Off Status all of which are on XXXX, I have two fraudulent collections on XXXX which are XXXX for XXXX $ and XXXX which is for XXXX $
Product: Credit card

I got a XXXX XXXX  credit card recently which is managed by wells fargo. I do not bank with them so in order to make real time payments I need to enroll in their online banking site. I have been unable to get past the first page. This is exactly what I do with XXXX. My bank is XXXX XXXX XXXXXXXX. I have gone into Wells Fargo in person twice. Second time I sat down with a banker and have a physical copy verifying I met with them. I have been on the phone for 2-3 hours a day trying to get this resolved. Each person/department tells me I need to do something else and transfers me to another department. I do not want to make payments over the phone. The online fraud department is telling me that the banker should have called them when I was in. Each person I talk to passes it to the next and so on... 

The online fraud department will not verify my account even though I went into the bank and verified my id in person with a banker. I have a record of this.
Product: Debt collection

Summit Collections has violated my Federally protected rights under the FDCPA. Pursuant to 15 U.S.C 1692a-3 I am not obligated or responsible to pay you for this alleged debt. XX/XX/XXXX at Summit Collections had a representative contact me on there behalf and I asked her to notate my account to Cease communications from me from all mediums and the rep hung up the phone and disregarded my demand. Summit then by sent me an alleged billing statement vial mail dated XXXX XXXX violating my Cease and Desist 15 U.S.C 1692c ( c ). Summit abusive debt collection practice has caused me anxiety, mental anguish, fear of not knowing if this company will continue harassing and trying to coerce me into paying an alleged debt. Attached is a written Notice and invoice for the violations under the FDCPA. Failure to comply will result in Legal Matters in Federal court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, and correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

I was a victim of identity theft and have unauthorized charges on the account. I wrote to the CC company five times formally requesting records of the charges so I could identify the unauthorized fraudulent charges. When I made the same request to two other CC companies they complied and we resolved this issue, but this third CC company continues to ignore my legitimate requests
Product: Mortgage

For several months we have tried to get in touch with our " lender '' ( our original lender was XXXX XXXX, who transferred the loan to selene finance, the company we are having issues with ). Daily calls are not returned, the one officer in charge of our case does not reply or answer despite messages left constantly. We are automatically patched to her number when dialing in, as she is in charge of the case, and also automatically patched through to her voicemail as she is never in the office during her stated business hours. We had an offer to buy the house over value and needed to get approval due to our status on the loan, and they did nothing until the buyer rescinded the offer. This is unacceptable. We should be signing documents to put the house under contract, but because selene finance would not follow through on their end we are back on the market without a buyer.
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. 

XX/XX/XXXX 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 finish 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: Checking or savings account

I am writing 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 issues aligns with recent CFPB findings against Navy Federal for similar practices. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account 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