23daVinci/CFPB_Complaints huggingface dataset:
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 the lagged posting of charges and credits. This issue aligns with recent CFPB findings against Navy Federal for similar practices, where transactions are settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

I had informed the collection agency the alleged debt was in dispute with XXXX and not owed. Further, I told the agency that no adverse credit bureau reporting should occur until such time the dispute was either resolved or sent to arbitration for ruling. 
The credit agency responded by providing assurance they would speak with the creditor and contact me with a reply. I never heard back from the collection agency or creditor regarding my assertion the debt was not owed or my request for arbitration. The collection agency proceeded to place a negative account unpaid on my credit history with the credit bureaus. Since that time I have been in contact with the collection agency and conveyed demand they remove the negative account information immediately. I was told the account had neen sent back to the original creditor ( XXXX ) and Diversified would no longer be of assistance in the matter.
Product: Debt collection

I received a letter on XX/XX/XXXX from Southwest Credit Systems that they were collecting {$30.00} on behalf of XXXX. I called XXXX today ( XX/XX/XXXX ), and their Collections department confirmed I had an outstanding balance of {$30.00} on a recently closed account ( XX/XX/XXXX ), but that the {$30.00} was still showing on the account, and it had not been assigned to a collection agency. I paid XXXX the {$30.00} directly, and received a payment confirmation. When I called Southwest Credit Systems back to explain the money had been paid, they said they were waiting for confirmation from XXXX so they could close their account. But why would XXXX contact them, if they never contacted Southwest Credit Systems to begin with? When I asked this question, the Southwest representative simply said " there 's no way that could happen. '' Needless to say, the whole situation seems fishy.
Product: Credit card or prepaid card

I paid the entire balance on the account on XX/XX/XXXX. Even though the late charge was levied the day before, the credit card company is telling me that it is not included in the entire balance due. ( Huh? I call to pay the entire balance but there is a late fee that is there but it isn't? ) As a result I am thinking that the entire balance is paid and no purchases have been made on the account. So, I don't make a payment in XX/XX/XXXX. However, the charges then appear on the account. Now I have another late charge for XX/XX/XXXX. This credit card company is in the business of making money on late charges. It is trickery and unethical. I try to pay the entire balance but they wont even let me do that and then I get further penalty. Please help. See an excerpt below from my payment history on my account.

XX/XX/XXXX MINIMUM INTEREST CHARGE {$1.00} XX/XX/XXXX LATE FEE {$25.00} XX/XX/XXXX FINANCE CHARGE {$2.00} XX/XX/XXXX PAYMENT-THANK YOU - {$140.00} XX/XX/XXXX LATE FEE {$32.00} XX/XX/XXXX FINANCE CHARGE {$2.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE CRIMINAL COMPLAINTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XX/XX/XXXX and Experian CRA. On XX/XX/2020, I mailed XX/XX/XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

I have been working to clean up my credit with the help of XXXX XXXX and XXXX XXXX on multiple collection companies that have reported on my credit report. None of these are mine to my knowledge and it seems may have been multiple reported from the same debt. There is a credit collection company named Calvary Portfolio Services that is on my credit report in the amoun of {$5300.00}, XXXX XXXX  {$3900.00}, XXXX XXXX XXXX {$3100.00} and {$1600.00}. As to my knowledge these are not my debts and I have repeatedly requested through those services listed above and directly with XXXX and XXXX to send me proof of this debt. XXXX XXXX submitted in XX/XX/year> and XX/XX/year>, and I have continued through XXXX XXXX and the credit bureaus as well. No response from any of the collection companies listed. I do not want to contact these company directly and give any personal information to them without any knowledge of what this is in fear of more fraudulent activities. I do not want to give any social security info or personal info to them because I do not know who they are. Everytime I have disputed online the only thing that changes on my credit report says " customer disputed, account verified '' but never any correspondence showing the proof of debt belonging to me. I am requesting these all to be removed as soon as possible, due to the fact they have not responded in the 30 days required by law with proof.
Product: Checking or savings account

I had opened Checking and Savings account on XXXX night. I initiated ACH transfer from XXXX XXXX XXXX XXXX account to fund my new accounts. 

Checking Account - XXXX funded with {$25000.00} XXXX Account - XXXX funded with {$25.00} However Very next day Citibank locked my account suspecting some fraudulent activity. Though Citibank locked my account still my ACH transaction to fund new account went through on XXXX. 

Then on XXXX Citibank closed my both account but didn't refund me any balance in my accounts even though 60 days passed. I had to spend hours on Citibank call center without any help. 

Finally I raised case with CFPB ( case number - XXXX ) and Citibank refunded me my Checking Account balance {$25000.00} after 90 days. Also they didn't provide any explanation on, 1. Why Citibank didn't reject fund transfer to locked account? & 2. Why it took Citibank more than 60 days to refund funds from closed account? 

However Citibank still didn't refund me the Savings Account balance- {$25.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$11000.00} ; XXXX XXXX : {$0.00} XXXX XXXX  XXXX : {$0.00} ; XXXX XX/XX/2022.
Product: Payday loan, title loan, or personal loan

Fraudulent application of payments. 


I took out a personal loan in XXXX XXXX and I enrolled in automatic payments. In XX/XX/XXXX, I made additional payments of {$200.00} but the principal balance showed the wrong balance. I also made another additional payment of {$500.00} and still the balance reflected wrong. 

When I noticed the errors in XX/XX/XXXX I made a call to discover bank to make a complaint, and they told me there was a problem with their system so it not did apply the automatic deductions to both principal and interest and they were going to fix it. 
In XX/XX/XXXX, nothing had been done, I made another call and they promised another review. Still in XX/XX/XXXX, the same problem was still occurring and I was prompted to make another follow up call. I was given the same lame excuse. I finally asked them to explain to me in writing what happened and also tell me how they are going to fix it. 
Fast forward XXXX, XX/XX/XXXX. I see the same problem, My principal balance has been static on the same amount for 6 month. I made the last call today and Informed that I will be filling a complaint with CFPB. 

My major problem with Discover personal loans department is that, Interest is computed based on the daily running balance. So for them to present me with a wrong running balance since XX/XX/XXXX and a static balance since XX/XX/XXXX means they are charging me more interest. They also never alerted me of the error even after discovering it, they never presented their explanation as requested in writing. 
This to me is kind of a fraudulent application and representation of the loan. 

It is for this reason that I am filling this complain to have it resolved. 

Thank you. 

Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and noticed an error in my personal information. My correct name XXXX XXXX, but the credit report currently lists it as XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, 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: Debt collection

Discover Bank has not tried to resolve or answer my concerns. Discover Bank has prohibited me from using the credit card. Discover Bank continues to violate my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act, this creditor has violated my rights. 15USC1681 Section 602 States I have the right to privacy. 15USC1681 Section 604A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B states A creditor may not treat a payment on a credit account under an open end consumer credit card plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Gathered my free annual credit report from XXXX XXXX XXXX. Went over information that was incorrect and called Experian to correct it. In the meantime I went over the inquires on my account, on my credit report the report shows no inquires that others can see, on Experian the report shows XXXX inquires that Experian and other creditors could see. I asked why it was only showing on their end, customer service rep said he did n't know, I asked to speak with a supervisor and asked the same question but they did n't. I asked if they could remove them from the system and the supervisor said although you can not see them, they will remain. The supervisor thought that there was an issue with the website I was on, she then asked me to look up my report on the Experian website, I did as such and it showed the same, no inquires. Supervisor said there is nothing we can do..
Product: Credit card

I have been a Wells Fargo customer- both for credit cards and checking and savings accounts for 20 years. I opened a Wells Fargo Rewards credit card in 2014 with a XXXX limit. My credit limit as of 2 days ago was XXXX and I have not charged to the card in over a year in an effort to pay down the balance, which is currently at {$11000.00}. I went to check the card today and my credit limit had been dropped to {$11000.00}, so I have barely {$300.00} of open credit now. While I am not looking to charge to this card, I am trying to build up a better a XXXX XXXX and having some open credit is obviously a large part of that. This card has an astronomically high interest rate in which I have tried to get lowered over the years with no luck. So my only hope is to pay it down and keep open credit with it. I have paid over the minimum payment for years now and have never been charged a late fee.I have a lot of debt in general, but am extremely careful with my XXXX XXXX - I have no late payment or derogatory remarks on my credit file, just a lot of debt that I am working to pay down. 

As soon as I saw my credit limit had been lowered, I called and the customer service agent I spoke to claimed he had no idea the reasons for my credit limit being dropped and that I would receive a letter eventually. I was so upset, I just cancelled the card so at least that would look favorably on my credit to close it. This is now the XXXX time that Wells Fargo has lowered my limit. They will increase it, and then lower it not because of anything having to do with Wells Fargo, but bc they will claim they do periodic checks of my credit and bc my debt is high, they felt they had to lower it. 

I strongly object to a company doing this to a loyal customer. I am working so hard to build up my credit and pay down my balances- how can I do that when these companies make decisions that they believe are best for them, but yet just punish their customers when it comes to their XXXX XXXX? I have done nothing but fulfil my requirements of this credit card 100 % and they still do something that negatively affects my own personal credit. 

I know I am a small time customer with Wells Fargo and they look out to protect their own interest, but how can they do this to me when I have done nothing but try and pay down this card in good faith for years now? My record with this card will speak for itself. I am disgusted and upset that I try so hard to pay down the card and I still have these negative actions against me. It is horrible treatment towards a long standing customer.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

UNAUTHORIZED INQUIRIES : TXXXX XXXX/2025XX/XX/year>
Product: Credit reporting or other personal consumer reports

I did not authorize any of the hard inquiries listed in this letter. This is not an opportunity for you to investigate as I have provided an identity theft report listing all of the unauthorized inquiries.

15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report Failing to comply with deleting the hard inquiries listed from my credit report within 14 business days will result in violating the Fair Credit Reporting Acts federally protected laws meaning Trans Union will be liable to me for statutory damages for Trans Unions misconduct as per the FCRA ( 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) ). 
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

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 XXXX : 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 XXXX business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There is a FRAUDULENT accounts on my report which do not belong to me. 
All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. In addition, I demand the following fraudulent ACCOUNTS be deleted from my credit report immediately. 
Please remove the following fraudulent accounts from my credit report : ACCOUNTS : XXXX XXXX XXXXXXXX - XXXX XXXXXXXX XXXX XXXXXXXX - XXXX 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 XXXX year, at which point i XXXX request an extension of the block. During the block, you XXXX 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: Credit reporting or other personal consumer reports

I received an email from XXXX XXXX about a new XXXX XXXX approval on XX/XX/XXXX that I had not applied for. I had then checked XXXX XXXX email about a Hard inquiry had been made. It was not until I checked my XXXX XXXX  account the night of XX/XX/XXXX, that I realized someone had my information and had made 12 hard inquiries for credit card applications. I was unaware of this and did not sign up for any of these new credit cards. XX/XX/XXXX and XX/XX/XXXX, I contacted the 3 Credit Bureaus and put a freeze to them all as well as fraud alerts. I also contacted all of the inquiries made for those Banks and notified them that it was not me and marked them as fraud. I am afraid whoever this person is had my personal information as well as social security number. Below is a list of Banks for other Credit card applications. 

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 card

i checked my credit report for XXXX and XXXX and i see a KAY JEWELERS account that says " OPEN '' in XXXX XXXX, 2013 i just want it disputed for both bureaus bc i dont wan tit to keep saying is OPEN when i dont have an account at all
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15USC sec 1681sec 602 states have the right to privacy 15USC 1681sec 604 a sec 2 states a consumer reporting agency can not furnish a account without my written instruction. 


In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15USC sec 1681sec 602 states have the right to privacy 15USC 1681sec 604 a sec 2 states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  account XXXX In according with the fair credit reporting act XXXX  account # XXXX, has violated my right. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Debt collection

My debt had been paid in full on XXXX XX/XX/2023 and I still received a debt collection letter saying I owe money.
Product: Credit reporting

Transunion is currently reporting XXXX accounts for XXXX XXXX XXXX that the company agreed to delete. I filed a complaint with Transunion and they have not responded to my dispute. i have also disputed with the company and they are unable to verify or provide any proof that these accounts are mine. i did not open these accounts
Product: Debt collection

This company Pinnacle keeps reporting a debt collection attempt which is beyond the statute of limitations for the state of Massachusetts. This original debt date is 2006. It was removed from my credit history on XXXX and then put back on as a new debt XXXX. I have never heard from or spoken to this firm, yet I can see the information on my past credit history reports.why?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file :