23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My Account with XXXX XXXX  was charged off. XXXX agreed to settle my account in full for a payment of {$3300.00}. Once payment was received they agreed to report to all XXXX Credit Bureaus as a XXXX balance settled in full status. On XX/XX/2022 It was paid in full with cash at the XXXX XXXX MD branch for the amount of {$3300.00}. The teller was on the phone with XXXX representative and confirmed I paid cash and that everything was complete and settled attached I have the settlement letter and receipt of payment. I want them to Update to a XXXX balance as settled in full to all XXXX credit bureaus. They said everything cleared at the branch I dont want to wait XXXX days for an update on my credit report when they know its clear on their end.
Product: Debt collection

They call me all day making their area code to match that of my area code when I ask them to remove my number off their list they hang up immediately they call me all day and it is harrasment considering I asked them to stop. They call from numerous different numbers but all with a XXXX area code
Product: Debt collection

I have tried reaching out to the company regarding this debt they claim I owe and have not received no validation of debt. Company has placed this account on my credit report that does not belong to me. They have not submitted proper documentation within FCRA guidelines within the allotted 30 days.
Product: Debt collection

Threats to put this on my credit report as well as trying to get me to forcefully pay an amount that I do not owe.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes do not recall each date submitted but i have sent certified letters and emails, my letter was completely disregarded with no action, they will remove the record then report it again i also have the same record listed 2 times on my credit report.
Product: Prepaid card

I was given XXXX {$250.00} gift cards, along with my wife, from XXXX XXXX after volunteering to take a later flight. 

The gift cards arrived with an expiration date of just six months after issuance ; they were issued XX/XX/XXXX, and expired XX/XX/XXXX. 

None of the four gift cards were ever used.

The cards are issued by XXXX, pursuant to a license from XXXX, and the value is to be forfeited if not used by the expiration date. 

Never in a million years did we think that the expiration date would be just six months after issuance. All {$1000.00} dollars were left unused. 

When we attempted to get our money back, the phone number provided by MyPrepaidCenter.com tells us to go to the website ; we can not contact a real person. The website will not allow us to enter in the card information, as the cards are expired. 

XXXX washed their hands of the matter, saying that they can " only assist with inquiries about the value of the Gift card or your Gift Card order status. '' We want our {$1000.00}. 

The card numbers are as follows : XXXX XXXX XXXX XXXX, exp XX/XX/XXXX, code XXXX XXXX XXXX XXXX XXXX, exp XX/XX/XXXX, code XXXX XXXX XXXX XXXX XXXX, exp XX/XX/XXXX, code XXXX XXXX XXXX XXXX XXXX, exp XX/XX/XXXX, code XXXX. 

We would like our money back, please. We are counting on the CFPB to do for us what we lack authority to do, to take the money that was given to us back. 

Thank you so much for your time.
Product: Debt collection

I have been making payments to the debt collector and informed them how much I would pay. They have either filed two different times in court or the first time was a fake court letter. Second time the fees for a processor was included and in the state of michigan a defendant is not liable for any costs or fees to collect a debt. Even the county clerk and judge signed off on the additional fees. At first the debt collector even refused my first money order and they stamped it themselves twice. I sent it back with a second payment and they have not returned it.
Product: Credit card or prepaid card

Yes Captial One closed 2 of my credit cards because i added my 4 kids as authorized users. once i sent in their ID and ss card they came back and still closed my accounts but later on i applied and they open 2 new accounts so i haven't added no authorized user to those accounts, but the palatium secure card i deposit XXXX XXXX and has yet to receive my XXXX back in a check form. But every time i spoke with a agent they mention it was sent out but today i called now they say that i cant get my XXXX back. I need my XXXX i made on the secure card ending in XXXX. The saying the account is restricted but never made any illegal transaction. They closed it because i email the CEO over XXXX times asking why i cant get a line of increase over the 3 years i been with them then i send the information they ask for they still close accounts. I JUST WANT MY {$200.00} BACK IN A CHECK FORM ASAP OR I WILL FILE A LAWSUIT AND SUE FOR MORE AND ATTRONEY FEES.
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 lagging 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 transactions are unfair and request an investigation into my account transactions.
Product: Mortgage

ON XX/XX/2021 MY LOAN WAS TRANSFERED TO XXXX AND THEY PAID RUSHMORE THE AMOUNT OF {$400000.00} BY A WIRE TRANSFER ON XX/XX/2021. XXXX REQUESTED IN SEVERAL OCCASIONS THE PAYOFF AMOUNT FROM RUSHMORE SINCE XX/XX/2021 ; THEY SUBMITTED THE PAYOFF AMOUNT TO THEM AND RUSHMORE NEW THAT OUR NEGOCIACION WITH XXXX WAS SCHEDULE TO BE COMPLETED BY THE FIRST WEEK OF XX/XX/2021. FOR OUR SURPRISE RUSHMORE TRANSFERED THE MORTGAGE TO XXXX XXXX XXXX XXXX KNOWNG THAT OUR NEGOCIATION WITH XXXX WAS FINILIZED. THAT IS WHY I SAID THAT THERE WAS NOT A GOOD FAITH TO TRANSFER THIS MORTGAGE TO XXXX. I PAID ALL INTEREST AT THE MOMENT THIS TRANSFER TOOK PLACE. 
THE AMOUNT ON MY SCROW ACCOUNT WAS {$4000.00} ( SEE PARAGRAPH 5 OF THEIR RESPONSE ) ALSO ON PARAGRAPH 2 OF THEIR RESPONSE THEY ARE STATIING THAT THE PROJECTED INTEREST AMOUNT WAS GOOD UP TO XX/XX/2021. IF THEY RECEIVED THE WIRE TRANSFER ON XX/XX/2021 THE PROJECTED INTEREST WAS OVERSTATED FOR 17 DAYS THAT I AM REQUESTING FOR THEM TO REFUND ME. THE TOTAL AMOUNT OF SCROW AND OVERSTATED INTEREST IS {$5700.00}. WE RECEIVED A CHECK FOR THE AMOUNT OF {$3800.00} ; THE REFUND DIFFERENCE IS {$1900.00}. 
THANK YOU FOR YOUR SUPPORT.
Product: Checking or savings account

I tried to withdraw money at a XXXX  ATM Terminal XXXX at XXXX XX/XX/2024! It charged my bank account but it didnt dispense my money which I have proof in my receipt saying withdrawal {$40.00} dispensed {$0.00} even after showing proof and opening a dispute my bank 22 days later!! Denied my claim saying that this transaction is valid and refusing to give me any proof! I want the ATM log and footage! I 3 receipts in total showing the same thing but {$40.00} withdrawals {$0.00} dispensed which 2 it was automatically reversed by the bank a few minutes later and the one Im disputing did not! How they didnt check their system before denying my dispute? They are completing ignoring my proof and the facts!
Product: Credit card

I received a text on XX/XX/2024 XXXX PT from ( XXXX ) XXXX claiming I had opened a WELLS FARGO CREDIT card and charged a purchase on this credit card. I received an ALERT from Wells Fargo Alerts bank that this card was used at XXXX and a charge of {$440.00} was made on the Wells Fargo Credit card. I was instructed to click a link to see more information regarding the credit card and the purchase. 



I do not have a credit card account at Wells Fargo Bank. I did not click the link provided in the text to see the charge made on the credit card. I reported the number to my phone carrier. However the individual ( s ) fraudulently claimed to represent WELLS FARGO Credit monitoring and accused me of having a Wells Fargo Credit card and using it to make a purchase XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Violation of Fair Credit Reporting Act by XXXX XXXX XXXX To Whom It May Concern, I am writing to formally report a violation of the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX XXXX. According to the FCRA, specifically Section A, a person shall not furnish any information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate.

Additionally, under Section B, it states that a person shall not furnish information to any consumer reporting agency if they have been notified by the consumer that specific information is inaccurate, and the information is indeed inaccurate. 

I contacted XXXX XXXX XXXX regarding inaccuracies in my credit reporting. Unfortunately, the representative I spoke with was unhelpful and did not address my concerns adequately. I emphasized that credit card accounts remain on a credit report for seven years and that I have maintained this account in good standing for over a year. Despite this, XXXX XXXX XXXX has not updated my information with all three credit bureaus without correcting the inaccuracies. 

I kindly request that your offices investigate this matter and take appropriate action against XXXX XXXX XXXX for their non-compliance with the FCRA. It is essential for consumers to be protected from inaccurate reporting that can negatively impact their creditworthiness. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from XXXX XXXX XXXX, and I have always made my payments on time. I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX XXXX with no successful resolution. XXXX  Equifax, and XXXX  reporting me 30 days late in XX/XX/2020. There was an error on their part. I was never 30 days late.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, 15 USC 1681 Section 602 ( a ) ( 4 ) states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. I am the consumer and XXXX, XXXX and Experian are the consumer reporting agencies. I as the consumer have the right to protect my private information and ensure that it is not being shared, which also aligns with 15 USC 1681 ( s-2 ) which states that 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. A person shall not furnish information relating to a consumer to any consumer reporting agency if he person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and the information is, in fact, inaccurate I have contacted all 3 credit reporting agencies via certified mail on XX/XX/2023 about the reporting of the inaccurate information on my consumer report. No correspondence nor corrections has been received for either of the 3 credit reporting agencies. I have attached proof of my only mailable address to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # 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
Product: Money transfer, virtual currency, or money service

We completed a HELOC transaction with XXXX XXXX on XX/XX/2021 and the money was received the morning of XX/XX/2021 by USAA Federal Savings Bank. The money has NOT been deposited into my USAA Checking account as of close of business on XX/XX/2021. XXXX XXXX, the lending agency provided confirmation that the transaction processed and the money was received by USAA on XX/XX/2021. 

On XX/XX/2021, I contacted the wire department at USAA and spoke with representative, XXXX who confirmed the deposit was received on XX/XX/2021 and that USAA was experiencing a technical problem with processing. They were aware of the issue and currently resolving the problem. He then proceeded to assure me the funds would be available by XXXX XXXX on XX/XX/2021. At XXXX, there was no deposit. The funds were received over 36 hrs ago as confirmed by both the sender and USAA representative, XXXX. 

At XXXX XXXX, I contacted USAA Customer Service. I was informed the wire department was gone for the day. I politely asked to speak to a supervisor in hopes of elevating the issue and ensuring the case was documented. No supervisor was available. All I could speak to was an executive resolution specialist, XXXX could not provide any indication if/when the funds would be posted. She also explained that there were no supervisors available ( she inferred a supervisor might be able to access more information to explain why this was occurred ). 

I'm sorry, this is unacceptable. {$77000.00} is a lot of money and not being deposited in a timely manner is not in accordance with standard practices/regulations. USAA is a major financial institution and has mishandled this transaction in a gross and unacceptable manner.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Re : Dear Sr : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Equifax and XXXX Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

A soft inquiry on my credit bureau report lead to a review of my credit card and Wells Fargo determined that my inactivity on the credit report was a risk and needed to close my credit card. Called Wells Fargo to discuss the situation. Wells Fargo advised that I could apply to have the credit card reviewed for reopen but they would have to pull my credit information again to see about reopening it. This seems like unnecessary credit pulling.
Product: Mortgage

I ask for pay off at first they said it was in bankruptcy they received 3 faxes showing it wasnt., XXXX took his a name off loan, the renters where having it taken out of their account, then on 3rd try they said it was redundant to give me payoff. They mention Texas I have spoke to 4 companies. 3 didnt know about XXXX XXXX XXXXXXXX XXXX XXXX XXXX. Alowed mr XXXX to sign off. But Fay servicing is the one who is to give information. They are holding mortgage information, they are causing more stress than I need. My mental health is not good, neither is my health. I just want payoff so the renters can payoff and have house. Its simple but they are refusing to cooperate. There mean people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this debt with Indigo/Celtic Bank . They have yet to provide me with the original application as requested. This is my third attempt to remove as this was not my account nor can the company provide proof. I demand that this " charge-off '' in the amount of {$300.00} be removed immediately. This has been ongoing since 2018.
Product: Money transfer, virtual currency, or money service

Problem : Robinhood is not transferring {$8000.00} of my funds to the Verified bank account of mine they have in their system. This has been going on since XX/XX/XXXX. They did transfer {$2000.00} before fully locking down my account. I am unable to reach support despite trying every possible venue and following all instructions. 

Full timeline with screenshots is available, below is a summary of key events XX/XX/XXXX - Checking account was successfully added to Robinhood and verified XX/XX/XXXX - {$10000.00} was successfully deposited to Robinhood from this verified account XX/XX/XXXX - First attempts to withdraw money to Verified account added on XX/XX/XXXX. All Failed. No success via support. 
XX/XX/XXXX - XX/XX/XXXX - Failed attempts to withdraw money to Verified accounts. No success via support XX/XX/XXXX - Successful attempt to withdraw {$1000.00} twice to Verified account. Failed further attempts. No success via support. 
XX/XX/XXXX - In parallel, started an attempt to migrate account to XXXX from Robinhood via XXXX. 
XX/XX/XXXX - XXXX ( XX/XX/XXXX ) - Continued attempts at contacting Robinhood support and/or transferring funds, promptly fulfilling requests from Robinhood to sharXXXX statements etc. Only unhelpful automated responses and tickets opened that are reported closed when I promptly call Robinhoods support number.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance - XXXX  XXXX XXXX XXXX Balance - XXXX  XXXX XXXX  XXXX XXXX Balance {$36000.00} XXXX XXXX XXXX XXXX XXXX {$46000.00} XXXX XXXX  XXXX Balance {$46000.00} XXXX XXXX XXXX XXXX XXXX Balance {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX Inquired on XX/XX/2022 XXXX XXXX  XXXX Inquired on XX/XX/2022 XXXX Inquired on XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to remove a security freeze with Experian in XX/XX/2020. I mailed them my name, government issued id, and a utility bill from my current address. I can not access my PIN nor can I speak to a live person. 

I apply for new credit cards and they are denied because of this freeze that I want permanently removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On : Monday XX/XX/2018, I called Equifax to see if they can remove a Phone Number that I don't recognize on my Credit File with them dated on : XX/XX/2018, and update it with my Current Phone Number where my Current Address is with them on my Credit File dated on : XX/XX/2018 by : Equifax. Equifax couldn't don't do it! Because I needed to contact XXXX  on it!, but : Navient has my Current Phone Number on their Records already!
Product: Credit reporting or other personal consumer reports

I'm resending my dispute letters since I didn't get the full resolution to my concern. Again, YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681 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 Account # XXXX has violated my rights 15 U.S.C. 1681 Section 602 A States I have the right to privacy. 15 U.S.C. 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c ( 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 7 years, 15U. S.C. 1681 s-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: Debt collection

This contract was handled with the company directly and is not a correct debt. I have proven this on my disputes with 2 credit reports and this has been removed. Instead of sending me proof of the debt, they just try to verify it as " accurate '' with NO PROOF! 

Credit Collection Services is the company.