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

Hello, Our earned AMEX Rewards points were taken from our Rewards Account and our Rewards Account was closed due to an accidental cancellation on XXXX/XXXX/XXXX of our card ( which was reinstated within a day or two ). I noticed there were no rewards points on our statement and called AMEX on XXXX/XXXX/XXXX ( and possibly before this date ) when I was told they would be reinstated and I was lucky to catch it before 30 days from accidental cancellation. I also asked for credit of the points accrued since XXXX/XXXX/XXXX and they were unsure as to those being eligible for credit of points. At this time I was told we had over XXXX points earned and XXXX or so accrued. On XXXX/XXXX/XXXX I called again and asked for the points to be reinstated. According to AMEX the call was incomplete because it ended before all the disclosures were made. AMEX never tried to call me back, nor did they send a notice. I thought the call was complete. On XXXX/XXXX/XXXX our earned points were swept out of the Rewards Account and the Account was closed.- I was not aware of this until XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I called again and was told points were gone and they would check into it. 

Today, XXXX/XXXX/XXXX, I spoke with the " Supervisor of Membership Awards '', XXXX, employee # XXXX. XXXX confirmed the above dates and was unwilling to consider my request for reinstatement of earned rewards because the XXXX/XXXX/XXXX call was " incomplete '' on their end even though her notes did indicate the request for earned point reinstatement. She said after the points are swept there is nothing they can do and my complaint/request was closed. She said there was no one else for me to talk to since Corporate closed it. 

Attached are email confirmations after each inquiry ( the XXXX call was dated the next day but AMEX confirmed it was XXXX ). We are a small business and we count on the rewards points to cover expenses. To our company this is a significant problem. It was n't until my call on XXXX when AMEX informed me that I needed to open a new Rewards Account in order to accrue points for transactions from that point forward. No one informed me prior to that I needed to open a new account so we missed credit for everything since the original earned points were taken. 

I do n't believe customer service in the Membership Rewards group is interested in giving back points and wonder if there is incentive to do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called XXXX at least three times to have all fraud and freeze alerts removed. 
I called XXXX on XXXX and advised him to remove the fraud/freeze alert, suggested it was done, and got a postcard showing that it was added on XXXX. I called the same number on XXXX again and spoke to XXXX, was advised that I was done, and just got a letter today dated XXXX that it was added and that Equifax and XXXX would be alerted to add it as well. I called today same number and spoke to XXXX, I asked for a manager, but he never got one, and he was insulting and over-talking me ; he stated he did not show one and said I would get a letter saying it was one, although it is not. I have the notes, postcards, and file numbers that I will attach. I want to ENSURE that there is NO FRAUD/FREEZE on my credit file at any credit reporting bureaus. I have been challenging old and wrong items on my credit and keep getting pushed back since XX/XX/2023. This has caused me time and money on postage, printing paper, ink, and sanity. I want a letter via regular mail from all three advising me that this has been taken care of and the customer service agents WROTE up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX through XX/XX/XXXX ( Current day ) I have been trying to get my Name and Address information corrected with the credit bureau, Experian. I have sent letters, submitted verification documentation, submitted online disputes and made numerous phone calls from XX/XX/XXXX to XX/XX/XXXX in an effort to get this information corrected. They will either change the information or make it completely erroneous. This has seriously impacted my ability to obtain good credit and credit ratings. At this point, I am requesting to have all of the incorrect names and addresses removed from my credit bureau report. See one of the letters sent ( attached ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX/XX/XX/XXXXI received a statement from CITI and paid off the balance, as far as I was aware the account was paid off at that time. For whatever reason ( which I now believe to be fraud ) CITI continued to take {$100.00} per month for 4 years from a banking debit card. At some point my debit card was compromised at another store and I was later called by CBNA asking why a bill was n't being paid. At that time I was shocked to hear that I owed CITI anything and requested more information and an investigation about why or how I owed any bill. After being told by a CITI representative that there were no purchases made on the account I requested that the monies be returned to me which CITI initially agreed to do but then did n't. Later I found that the bank reported the derogatory information to my credit bureaus. I then spoke with several people at the bank for several hours and ultimately got nowhere. I ask CITI to show what was bought within the last 5 years and the bank confirmed that no purchases were made during that time. I never found out where the {$100.00} monthly payments were going 4 years after I made my payment in late XX/XX/XXXX early XX/XX/XXXX. Now I am left with a derogatory mark on my credit for a debt I do not owe and actually should be receiving a refund for. I requested CITI to delete the derogatory account from any and all credit bureaus and to refund me the {$4800.00} that I overpaid them ( {$100.00} per month for 4 years. ) If this issue is not fixed I will be forced to hire an attorney and sue CITI for the egregious error they have made on my credit record. I had no derogatory information listed from CITI on this account ( no late payments, no charge off listing, no settled account ) before this issue arose. This is the last time I will make this request before I pursue a legal remedy.
Product: Debt collection

On XX/XX/XXXX of 2023, I received a letter in the mail from XXXX XXXX XXXX XXXX Account Number- XXXX they have attempted to state I owe them a debt incorrectly. As of XX/XX/2023, I am contacting them to inform them of my consumer rights under federal code 15 USC 1692k and 1692CA. This company is more interested in verifying my information instead of understanding my federal rights. I have never given consent to this company to contact me over a debt and there is not a good time to discuss this debt. I want this company to cease and desist from contacting me and not report to any credit reporting agencies, and I want to know how they got additional information 15 USC 1692B. I am also requesting a visual contract with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2016, I was shopping in XXXX XXXX XXXX. I stopped at the food court and bought a meal. After I finished eating, I went into XXXX XXXX to try on a couple of suits. I didn't see anything I liked or that fit me quite right, so I decided to leave the mall. When I got back to my car, I realized that my wallet was missing. I immediately ran back into the mall and retraced my steps to see if I could find it. I checked the food court and the dressing room where I tried on the clothes. I couldn't find it and no one else had seen it either. I cancelled my bank and credit cards and made plans to go get another social security card and license. Recently, I had my credit pulled because I'm trying to purchase a home and noticed some accounts and inquiries that didn't belong to me and that I didn't authorize to be opened. XXXX XXXX ( from XXXX XXXX ) and XXXX accounts from XXXX XXXX XXXX. I never opened those accounts nor did I sign or authorize anyone to open those accounts on my behalf. I believe those accounts are the direct result of me losing my wallet in 2016 at the XXXX XXXX XXXX. I also see that someone applied for a car in my name resulting in various inquiries on my report. I did not apply for a vehicle, nor did I authorize anyone to run my credit and I surly didn't sign for anyone to run my credit. Here is a list of the inquiries that appear on my credit that were not authorized : XXXX XXXX CO, XXXX XXXX and XXXX XXXX XXXX The above is a list of all the accounts and inquires that resulted from identity theft. I am requesting that all three of these accounts and all three of these inquiries be removed from my credit reports with XXXX, Transunion and XXXX immediately. I have tried to resolve this matter with these companies as well as went through the normal dispute process offered by XXXX, Transunion and XXXX with no success. Im also including a copy of the police report that was filed for the identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letter to XXXX Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XXXX, 2022 and still nothing from them. That means XXXX has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance : {$860.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

STUDENT LOANS ARE NO LONGER WITH XXXX  PER XXXX  ALL MY STUDENT LOANS WERE TRANSFERRED TO XXXX XXXX AND ALL 20 SEPARATE LOANS WERE PAID IN FULL PLEASE REMOVE XXXX OFF MY REPORTS OR WILL BE SUEING, CREDIT REPORTING COMPANIES ARE NOT INVESTIGATING, ESPECIALLY XXXX, KEEP REPORTING THE SAME INCORRECT INFORMATION, ATTACHING DOCUMENTATION ONCE AGAIN PROVING THAT XXXX DONOT HANDLE MY STUDENT LOANS & THAT ALL 20 SEPARATE STUDENT LOANS ARE PAID IN FULL WITH XXXX XXXX THAT HANDLES ALL 20 OF MY STUDENT LOANS, PROOF SENT BY XXXX.
Product: Vehicle loan or lease

Ally charged we for excess wear and tear. However ally could not provide documentation they replace the tires before the sale. The charges are not consistent with ally documented charges. I would like a itemize document or Receipt showing what was replaced or fixed
Product: Credit reporting or other personal consumer reports

I currently have Three accounts and inquiries appearing on my credit report. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My husband and I are on a routine weekly payment for our lease on our XXXX XXXX XXXX of approx. {$130.00}. For the past consecutive weeks, we have been making payments ( but have been 5 days late ). Regardless of being late by 5 days, we have paid up to where it's appropriate. XXXX XXXX XXXX about XXXX times every day. I spoke with our account representative on XX/XX/XXXX and disclosed that I specifically handle international and onshore video interviews for my employer, to where I can't answer any calls unless it's from XXXX or any time after XXXX. This was not taken heed to, and they consistently call at any hours BUT that time frame. When we've answered, they specifically state we have to come to a location to sign documents about when we can pay. They say this every single time and demand it. We only have that car. It's our only transportation, and when my husband gets off work, they are closed. It isn't conducive. We completely understand the reference to paying late by 5 days but we ALWAYS pay. They also have been calling my husbands phone to contact him, which is understandable. However, they have chosen to take tactics to contact his employer now. We now have chosen to document the experience as well which we believe is uncalled for and extremely aggressive. On XX/XX/XXXX, XXXX chose to call my husband 's employer and left a voicemail message to an outdoor sales manager. We have it documented in an email on XXXX XXXX. My husband spoke with XXXX the same day and made the payment of {$130.00}. He was told that we had a few late fee payments to make as well, but we couldn't commit to the difference of {$25.00} ... because the total they quoted him was {$160.00}. Today, XX/XX/XXXX, XXXX called my husband 's employer regarding the difference owed. This is entirely unreasonable and we want to request a cease and desist for such aggressive nature.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

A fake charge from XXXX XXXX appeared on my credit report numerous times. The first time, I disputed online. It offers a section to upload documents but they're all either too big or the wrong format. Then it says the online dispute center is unavailable and you have to call. I had to call multiple times as each time I was on hold for way too long. The charge should be in dispute yet it came back. While Experian mailed me a copy of my credit report- which is about XXXX pages of perfect credit history, never carrying a balance, never late, all large loans paid early- they never provided any proof of an investigation whatsoever. My XXXX XXXX had THREE fake charges on it within the year. I paid the first two because I couldn't get a hold of their customer service but the third was a huge charge and enough is enough, this is criminal on their behalf. And neither XXXX nor Experian has provided me ANY evidence of an investigation or why they keep putting the charge back, when I have sent document after document showing that it's a scam company that charged me. I have not gotten a SINGLE piece of paper, document, explanation, nothing. So why is this charge there? Only thing I can think of is XXXX does this on purpose because since I always pay my account in full and never carry a balance they can't make money off me otherwise. I would like the credit bureaus to do a PROPER investigation into the fake charges, not just listening to whatever the criminals at XXXX say, and provide me of evidence of the actual investigation - because if anyone with half a brain investigated they'd see it's a scam company that made those charges. Please correct my credit report and stop allowing criminals like XXXX to invent charges and cause this much headache to hardworking people with nearly perfect credit scores.
Product: Checking or savings account

Hello CFPB my bank account has been going from the positive to the negative. One moment is in the positive the next moment its in the negative yesterday. On XX/XX/XXXX I had a balance of zero I called the bank yesterday. They said that everything looks like its been updated and that you have a positive balance of {$2800.00} and that you are in the positive, I told her on the phone that I dont trust the bank anymore. Everything had already mostly cleared. I had a positive balance of XXXX dollars the lady informed me that this would not go back into the negative. This is the most horrible experience I have ever had. I have been with the bank since XXXX now I can never trust Wells Fargo again right now my account is overdrawn by {$3000.00} because I thought that money had finally come back to me after since the beginning of the month of XXXX this balance has been going from negative to positive over and over and over and over and over again. I have made a lot of transactions but I never put the account in the negative and I also made sure to replenish any funds so my account is done and unless Wells Fargo fixes this which I feel as discrimination at this point because I had a positive balance of over {$3000.00} for three years I dont think Wells Fargo is going to help me in the situation and I think its horrid and scary that these banks can just flip-flop the accounts charge multiple overdraft fees when Ive had a positive account with them for over three years and its been mainly positive since XXXX now I have to switch to another bank and get my money back I actually have an account to use it does not make sense. Nothing adds up to me at least can you go for a positive {$3000.00} suddenly {$3000.00} negative in one day when there wasnt even any pending withdrawals that would add up to that balance. This has been happening for weeks. If anybody can help me that would be great if not if Wells Fargo can not help me in the situation, then I shouldve never banked with them to begin with.
Product: Mortgage

I paid my mortgage payment of {$1200.00} on XX/XX/2020 electronically, the same way I do every month. On XX/XX/2020 I received a call saying my payment was late, and had not been received. I talked to their representative who told me they show receiving the paymental on the XXXX but sent it back to me on XX/XX/2020. They told me a supervisor would contact me. After many attempts I was able to speak with a supervisor 1 time, she told me the account number they sent the money to did not match the one I sent it from. She also said that to the best of her knowledge, it didn't look like it was sent anywhere. She requested a copy of my bank statements for the month before and all time since the transaction. I did this and also had my bank send copies directly at a later date. They side they received them and have promised to have a supervisor get in touch with me but I have never heard from one again. I have contacted the company many times over the last 6 weeks and gone through this with each associate I have spoken with but have had no resolve and have not gotten any response from a supervisor since. I paid XXXX 's payment because I don't want to get behind, it was received normally without problem but they credited it as XXXX payment. So I have informed them I will not pay again until they get my payment of XX/XX/2020 credited to my account with all associated interests paid and any late fees removed. They are now harassing me for " XXXX 's " payment but refuse to resolve their mistake. They told me they show that neither myself nor my bank ever requested a return of funds and that they don't understand why they would ever return a payment especially 11 days later. But right now they sent {$1200.00} somewhere and claim it was me. It was not me and don't understand how they can hold me responsible. It was their error. They received my money, they admitted that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve this account and I can't get any help from them. I've sent them 3 letters and I have gotten no response to my latest letter dated XX/XX/2019. It's been 2 months and I haven't heard anything, its a shame how company 's can just say they validated a debt but doesn't send you any proof or nothing, and the Credit bureaus are just as bad it's ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with the consumer reporting agencies that this account : HP SEARS should be removed from my report. This is a medical account that has been reported on my consumer report since XXXX. I have disputed both online and via XXXX certified mail as this account has been reported with inaccurate information on all three ( 3 ) of my consumer reports. 

HP SEARS sent a letter stating that the account # XXXX, has been canceled by the client, XXXX XXXX, and that HP SEARS will be DELETED from all consumer reports within 30 days. That deletion never happened. I have not received any other documentation from HP SEARS in regards to this deletion. I have called and got the run around as to why this account wasn't deleted. 

On XX/XX/XXXX I did an online dispute with XXXX at XXXX stating the account : HP Sears should be removed from my report, and the website wasn't allowing me to upload any documents in regards to this matter, as I had a letter from HP SEARS stating they were to remove this account from my consumer report. Nothing was done with this account on my consumer report as my dispute was closed. 

On XX/XX/XXXX I did an online dispute with XXXX at XXXX  to have the account : HP SEARS removed from my consumer report. The dispute was closed with no change to the report. 

On XX/XX/XXXX I did an online dispute with XXXX at www.experian.com for the account with HP SEARS to be removed from my consumer report. The dispute was closed with no change to my consumer report. 

On XX/XX/XXXX I sent a certified letter # XXXX to HP SEARS to to remove the account from my consumer report. No response has come in as of yet, but seeing that they sent me a letter on XX/XX/XXXX stating the deletion of this account from my consumer report. 

On On XX/XX/XXXX I sent a certified letter : XXXX to XXXX in regards to account # : XXXX by HP SEARS to be removed from my consumer account. 

On XX/XX/XXXX I sent a certified letter : XXXX to XXXX in regards to account by HP SEARS to be removed from my consumer report. 


On XX/XX/XXXX I sent a certified letter : XXXX to XXXX in regards to the account by HP SEARS to be removed from my consumer report. 

Here are the consumer rights that were violated various ways by all of the following companies : HP SEARS, XXXX, XXXX, XXXX. 

According to 15 U.S.C. 1681 Section 602 ( a ) states : I have the right to privacy According to 15 U.S.C 1681 Section 602 ( a ) section 2 states : a consumer reporting agency can not furnish an account without my written permission. 

According to 15 U.S.C. 1681 s-2 ( a ) ( i ) states : 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 information is inaccurate. 

According to 15 U.S.C. 1681 ( a ) ( 2 ) states : A notification that, if the debt is settled or paid by the consumer or an insurance company before the end of the period described under paragraph ( 1 ) ( A ), the debt may not be reported to a consumer reporting agency.
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 transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions. Ive been a member of Navy Federal Credit Union since XXXX when I joined the XXXX.