23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX provided incomplete and improper information in their XXXX  application which lead to to my account being put in default ( over a {$3.00} charge ) due to the fact that the application listed no balance on the account. 

What was not apparent ( and in no way visible using their XXXX  application, which is the primary way I interacted with XXXX XXXX ) was that they were calculating interest AFTER the amount shown as the total amount due, but NEVER UPDATING the amount due on the app. 

So, the user would see a XXXX balance, even though they were calculating a small amount of interest ( XXXX XXXXXXXX {$3.00} ) and applying it to the account. 

How can you possibly pay an amount when you don't know what the amount is, and the amount due is shown as XXXX? 

This ( in my opinion borderline fraudulent ) practice, led my personal credit score to decrease by about XXXX points. 

Over {$2.00}!!! 

The bank was completely unapologetic regarding their application ( in fact their representative said during a presumably recorded phone call that the app does not provide the full information regarding the account status ) failure to provide complete information. 

I have since closed my accounts with XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Someone has been using my name and social security number trying to apply for different accounts
Product: Credit card or prepaid card

Capital one doesnt offer suitable arrangements for clients who have suffered financial lost due to XXXX XXXX issues. They do not offer any suitable way to lower the interest on the credit card after informing them of repeated XXXX issues and the options of XXXX  assistance do not help rectify the account. Therefore, I am requesting all telephonic communication on the credit card account to be put on a cease and desist and all communication or correspondence on this debt to be mailed to my address on this account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, Nh ( XXXX ) XXXX -WFBNA-Wells Fargo ( never heard of them ) -XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Nh ( XXXX XXXX XXXX XXXX Did not authorize to go against my credit nor warned!
Product: Debt collection

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP HARASSING ME IMMEDIATELY!
Product: Credit card or prepaid card

I made a purchase at Best Buy using my Best Buy Card and accepted their promotion to receive 0 % interest for 12 months. What they do not make clear, is that NONE of your payments will be allocated to this promotional balance, but instead they go to your revolving line of credit. This is a very deceitful and underhanded way of treating this " promotion '' ( SCAM, more like ), and it has just caused me to be hit with a {$280.00} interest charge. And that 's not to mention another one of these scams that I would guess cost me previously, as I did not discover this until just now. I have contacted their credit management team, spoke to a rep named XXXX, and she offered to " allow me to pay off the remaining balance of the promotional credit '' and have the charge reversed. Well, that is not OK, because I was already under the impression that I HAD been paying this off, and I did n't have an extra $ 400+ to pay right now. Utterly scandalous cash grab by a large corporation ( Citi ) against the consumer, and I will likely never get an acceptable resolution. I understand that credit card companies like Citi have the cards stacked in their favor, lawyers and accountants scheming clever ways to mislead their customers, and I am sure this will all be deemed acceptable in the end. However, when I am acting in good faith and making monthly payments, an EXPIRING promotional balance should be the FIRST to have my payments allocated to it - NOT the revolving line of credit. Here I was thinking I am getting a " deal '', only to wind up being deceived and overcharged in the end. I will be striving to close this account and allow Citi to receive as little more money as possible from me. This will also affect how often I shop at Best Buy in the future. Very disappointing.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN PAYING TO LOOK AT MY CREDIT AND IT IS BLOCKED IVE SENT IN MULTIPLE REQUEST BUT STILL NO RESOLVE INCLUDED ARE MY IDENTITY DOCUMENTS WHICH ARE MY ID MY SOCIAL SECURITY CARD AND FTC FOR FURTHER ADDRESS
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on dozens of times asking the the three credit bureaus to remove negatives reports on my credit report. Such as collections, hard in inquiries and late payment etc.and nothing has been done.such as XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is currently updating an account on a monthly basis that was XXXX in a Chapter XXXX Bankruptcy over XXXX years ago, on Experian and XXXX  XXXX reports XXXX which violates the Fair Credit Reporting Act.
Product: Checking or savings account

This is the third time I am writing to complaint about Bank of America. They have not responded to my claim in the past. The only response is that the case is closed. They have not credited the total amount that was stolen from my account. 

I took the time to check all the withdrawals that were made when my identity was stolen and we have an US {$11.00} in my favor that was not credited and in consequence was not reimbursed. 

The day XX/XX/2020 I received the documentation from Bank of America regarding my case No XXXX concerning the bank fraud and identity theft over my Money Market No XXXX XXXX XXXX where the sum of US XXXX was reimbursed to me. The additional sum of US {$11.00} was not credited to the account and in consequence was not reimbursed to me. 
After checking the information given by the bank I discover certain aspects that were not taking into consideration : The claim of XX/XX/2020 was over the total of transactions that took place in XXXX and not since XX/XX/XXXX as the bank affirms. The identity theft took place on XXXX. The bank is not taking into account the withdrawals for that period that are US {$1800.00}. 
There is no explanation of why the bank did not credit the withdrawals of the following periods if they correspond at the same bank fraud and identity theft : XX/XX/XXXX to XXXX XXXX {$38000.00} XX/XX/XXXX to XX/XX/2020 {$20000.00} XX/XX/XXXX to XX/XX/2020 {$6.00} XX/XX/XXXX to XX/XX/2020 {$920.00} XX/XX/XXXX to XX/XX/2020. {$2.00} Regarding this situation, I ask your intervention on my claim that was caused by Bank of America. The Bank issued debit cards to people that stole my identity and send those cards to addresses that were not registered by me. I had this account for over 30 years with the same address and never has asked for a debit card under my name of other names.
Product: Credit reporting, credit repair services, or other personal consumer reports

Problems with my credit report due to unverified misleading inaccurant information
Product: Mortgage

Purchased a home in XXXX was given a subprime loan ( I was not informed that it was a sub prime loan. ) The builder representative introduced us to the lender broker ( targeted ). In late XXXX the original lender went out of business and as a subsidiary of XXXX XXXX it became part of XXXX XXXX XXXX during the merger. 
In XXXX Bank of a XXXX began foreclosure action. I continued paying monthly payment while trying to dispute the foreclosure activity ( the balances on the paperwork were incorrect and did not match my payments XXXX. In XXXX of XXXX, XXXX XXXX XXXX refused to accept any more payments from us. However, XXXX XXXX XXXX suggested we request a modification. I was in the the modification process from XXXX to XXXX and never given a modification. During this time my husband sought to file bankruptcy in XXXX. While is the bankruptcy attorney 's office, the foreclosing attorney 's office was called on speaker phone in our presence. The clerk stated that there would not be a foreclosure because there was missing paperwork. In XXXX XXXX XXXX XXXX sold the loan to XXXX and I attempted to request a modification and XXXX would not allow me to apply. 
In XXXX XXXX, I contacted TN XXXX office hoping to get some help. I provided basic modification paperwork to the assistant attorney general, and he contacted the bank. I also informed him that my pending foreclosure was not properly documented and my cases resembles the cases presented National Mortgage Settlement, he stated since my home did not foreclose it was not member to the settlement. I did not get a modifcation with XXXX and they moved forward with foreclosure. The prevent the foreclosure I submit a legal action in XXXX XXXX XXXX XXXX ) which was dismissed due to I did not present a claim or relief properly. The merits of my cases were not reviewed. However I did learn of a fraudulent assignment on my note were there are XXXX different dates, robo-signed, and the perjury line is crossed out by the notary. 
Currently, I am in appeal of a XXXX, which the issuers do not have standing due to the fraudulent assignment. I am concerned that the issue of the fraudulent assignment and not mention the missing assignments will not be heard in court. The bank attorneys are doing everything in their power to overlook the bank failures. As a consumer, I have found little to no assistance with my case. In other states such as MA and MI the XXXX leaders have be much more proactive. 
The principle, the broken chain of title is illegal and must be addressed. The banks have been allowed to perform injustices to consumers and as a consumer I have been placed at the mercy of the bank to do the right thing. As a consumer I have not been given any recourse to correct or resolve the injustices performed by the banks with regard to my mortgage.
Product: Credit reporting

I recently received my credit report via a loaner, and realized the report includes unknown person 's name.
Product: Money transfer, virtual currency, or money service

My Venmo username is a common first name. This has resulted in, from time to time, unknown people sending funds to my account. Venmo does not provide functionality to block payments from unknown users or users you are not connected with. I have engaged with support on this in the past and so they are aware that this happens and that I have cooperated with them previously to resolve this. One such transfer occurred recently and instead of engaging to resolve the issue, Venmo froze my account. I provided the company with the requested information - a statement that I was not violating the user agreement and a photo of my drivers license. They responded that they were closing my account permanently and refused to provide any further details.
Product: Checking or savings account

Wells Fargo XX/XX/XXXX entered a {$500.00} check that will be delivered on XX/XX/XXXX per the on line electronic delivery system. the check arrived XX/XX/XXXX. 
on XX/XX/XXXX a check for XXXX was entered into the same system that promised delivery by XX/XX/XXXX. the check arrived XXXX both of these checks are local in the same county as the bank that i use, Wells Fargo XXXX XXXX. 
i attempted to discuss this with someone at WF on XXXX and was unable to connect to any live person after listening to " options for XXXX minutes, selecting a choice and having the same options given. i never was able to speak to a live person. i then went on line to XXXX and listed the problem. instead of written response, i had to give my name an tel so that someone could contact me. i received a call on the XXXX and did not return the call as it was too late in the XXXX. received another call on the XXXX which i returnned. the basic response is that i had not given enough time for the check to arrive. i have been paying this vendor since XXXX with no problem with delivery and it has been actually early most of the time. my conversation resulted in the WF rep indicating that they are not responsible once i input the information. there was no concern that maybe there was a problem with their delivery service as these checks are not arriving, just that they are not responsible for having a secure system for delivering checks.
Product: Mortgage

I had a 1st mortgage and equity line of credit thru FifthThird Bank. I paid these loans off via a wire on XX/XX/XXXX and XX/XX/2021. After numerous calls, emails, etc. to date I still have not received my escrow account refund of over {$3000.00} and an overpayment on the payoff of {$350.00}.
Product: Credit reporting or other personal consumer reports

My account with US DEPARTMENT OF EDU was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

US DEPARTMENT OF EDU never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

This company Portfolio Recovery Associates alleges I owe {$910.00}. I've asked several times to show me proof that they have my signature on file and can validate this being my debt. All they show me is a statement they have bearing no signature whatsoever and I've been communicating with them for months. Yet again, time after time, they've failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I am asking for the description of the procedure used to determine the accuracy and completeness of the information they say is my account. It is not and they fail to provide me with any credible evidence bearing my signature. Additionally, I want the name, address and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Again, I am formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount of {$910.00}. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. Should I not get this resolved in a timely manner and you continue your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws, I will pursue further action and you may be liable for your willful non-compliance. Failure to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will then be required to appear in court at a venue local to me, in order to formally defend yourself. Please advise immediately how you expect to proceed.
Product: Checking or savings account

I am ready to file a complaint against Navy Federal credit Union regarding multiple over draft 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 with transaction settled with insufficient balance despite initially available funds I believe this practices are unfair and request an investigation into my account transaction
Product: Credit reporting or other personal consumer reports

Its over the 4yrs statutory limitation in Pennsylvania but 7yrs has passed. XXXX has it on file for 8yrs. Also I dispute the accuracy of XXXX XXXX, dates and amounts are different on all 3 credit bureaus.
Product: Student loan

My loan has been serviced by Navient Solutions LLC for quite some time. I previously submitted a complaint in regard to their terrible customer service activities. I informed that as a borrower, I trusted Navient to provide me with fair and reasonable loan options that would allow me to finance my education. However, I was offered loans with exorbitant interest rates, far higher than what most consider is fair or justifiable, especially considering my financial situation and creditworthiness at the time. These high-interest loans have placed an undue financial burden on me, making it extremely difficult to keep up with the payments. I believe that Navient took advantage of my lack of experience and understanding of complex financial products to profit at my expense, which is a hallmark of predatory lending. 

My loans were supposed to then be transferred over to XXXX in 2024 for servicing. This has not been the case as my loans are still being considered under Navient Solutions LLC per my credit report. I have XXXX and Navient as a combined entity " Mohela/Navient '' on my XXXX report for all loans. My credit report also still contains old Navient data that was wiped off of the report then readded under the partnership. If Navient has been barred from servicing federal student loans, how are they in partnership with XXXX for the servicing of mine? They have the same mailing address on the documentation of both organizations. This appears to be a covert operation through which Navient is still operating as the student loan holder for these student loans, but are using the name of XXXX to service them legitimately. With XXXX being a primary servicer of federal loans, it would be wise to determine if they have been honest and thorough in their dealings as an organization, especially with Navient being banned from federal student loan servicing. 

Last but not least, I have received an email from XXXX admitting to providing me incorrect loan details in a previous email correspondence and have received very little information from them overall since they supposedly acquired my student loans. They placed my loans on random forebearance and never provided me sufficient information for processing. The entire process is very disturbing and continues to get even more disturbing as time progresses.
Product: Credit card or prepaid card

Hello, I was a victum of violent crimes and identity theft and my business was insolvent in the crimes and compromised. American Express was part of the fraud and identity theft and I tried since 2017, to resolve the issues. I had several cards opened in my social including American Express Cards. American Express instead of clearing the fraud they gave me new cards, and I was fighting the crimes.

I could never get to a customer service person or help. I felt like my phone number was going to a corrupt customer service person. Today, I received two statements for my business charges and they should be "  debt discharge '' and I getting huge fees and interest. 

XXXX-One Statement-Business Card-due {$2900.00} XXXX Second Statement-Business Card-due- {$7600.00} I do have a police report and signed affidavit for the fraud.
Product: Credit reporting or other personal consumer reports

Accounts doesn't belong to me I didn't give any permission to open account. I don't have any signed documents with these companies I'm a victim of identity theft
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. nor therfore any such debt in fact therfore exists. ( please remove these accounts before I seek litigation for defamation of character. ) XXXX XXXX XXXX XXXX  balance {$1900.00}, XXXXXXXX XXXX XXXX XXXX balance {$1900.00}, XXXX XXXX XXXX balance {$25000.00}, XXXX XXXX XXXX in balance {$900.00}, XXXX XXXX XXXX XXXX balance {$23000.00}