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

I applied online for a secured credit card with Navy Federal Credit Union on XXXX. On XXXX, during a telephone call, a Navy Federal Representative told me that I was approved for the credit card between/ around XXXXXXXX XXXX to XXXXXXXX XXXX pacific standard time. Later during the XXXX of XXXX, I discovered an email in my inbox from Navy Federal that stated I was not approved for the credit card ; upon discovering this, I called Navy Federal to address this issue and spoke with a manager, the call was nearly 30 minutes and was not resolved ; the manager did not take the time to throughly listen to the phone call, she indicated that there were other customers that she needed to assist ; I expressed my level of dissatisfaction to her ; still no resolution. I called Navy Federal again this XXXX  XXXX and was pretty much told the same thing - there are other customers that they need to assist - again, I expressed my dissatisfaction because Navy Federal failed to look into this. I don't appreciate them moving this to the bottom of the list - my already weak credit score is now going to be negatively impacted because of this adverse action/negative inquiry. I disappointed that Navy Federal told me that I was approved over the telephone, then sent an email stating otherwise. They don't seem to care enough about this issue and that is why I am reporting this matter to the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting or other personal consumer reports

Ford Motor company lease account # XXXX XXXX XXXX XXXX. On XX/XX/XXXX I signed a lease extension on my Ford Escape Document attached All payments were made and up to date. 
On Sun XX/XX/XXXX in the middle of the night Ford incorrectly repossessed my vehicle. 
I reported it as stolen and was later notified it was at a car auction in NJ XXXX XX/XX/XXXX Ford Motor credit Company took me to court for mileage and damages. 

It's pretty obvious that the judge ruled in my favor. Document attached. 

Please please help me! Ford continues to report inaccurate information to XXXX, XXXX XXXX XXXX. I have spent months disputing this with the credit bureaus & Ford has refused to remove this negative information from my reports. 
I was denied housing due to this negative information. 

I need Ford to remove all incorrect, damaging information from my credit reports. 

Thank You!!!!
Product: Credit card or prepaid card

My PNC Bank credit card was compromised and my card balance is pretty much maxed out! PNC advertises a zero fraud liability, I am disputing all transactions on my account with the exception of the XXXX Office transaction for {$27.00} on XX/XX/20. 

All transactions made after the XXXX Office transaction for {$27.00} on XX/XX/20 are fraudulent. 

I have tried to contact my bank several times, but I can't get through to anyone because the automated voice system requires me to know my full 16 digit credit card number in order to file a claim! 

My phone and wallet with my photo ID and social security card were also stolen around the time my credit account was compromised, I am only becoming aware of the transactions today because my phone was stolen and I have paperless notifications about my account. 

This is so unfair! If someone has been calling in to verify these transactions, it is not me! They are fooling PNC to believe that they person with me card is me, and leaving me to pay the balance!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX and I'm submitting this and this isn't any influence and this is not a third party. XXXX, Experian and XXXX has low and unfair credit number for me in their reports. I have complained. The problem has not been resolved. my fico has me at a credit score over 719 XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a low life 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 and I made this clear for 60 days straight with XXXX, Experian, and XXXX when I spoke to a representative agent for XXXX name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rep 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 XXXX. 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 and remove the inquiries and its been 60days and they record the calls and admitted they had my police report, ftc, and affidavit. That was after attempting to contact XXXX more than 21 times. XXXX 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 and now I'm XXXX  and can't provide for my children PLEASE HELP ME PLEASE and I'm XXXX  now.
Product: Debt collection

National Credit System continues to ignore my request for debt validation. They have not responded and the items must be removed from my credit report of alleged debt of {$1100.00} ans {$520.00}. The information appearing on my credit report is inaccurate and is damaging my character, credibility, or ability to obtain credit, I am now seeking Injunctive Relief through the courts. This is poor reporting practices of " obsolete, inaccurate, irrelevant, outdated, misidentifying, incomplete, incorrect, erroneous, and misleading '' information on my credit report. Defamation of character and willful injury
Product: Credit reporting or other personal consumer reports

Experian is reporting a Post Office location as a Multi-Family housing.
Product: Credit card or prepaid card

XXXX/XXXX Capital One Statement balance is XXXX XX/XX/2018 I took part in a Capital One Promotion to transfer a balance from a credit card to Capital One ( no transfer fees ). I wrote a check for {$8000.00}. 

XX/XX/XXXX, I paid my previous statement balance ON TIME and in FULL XXXX XXXX/XXXX  statement shows charge of XXXX ( transfer ), regular charge of {$39.00}, and interest of XXXX. Total statement balance XXXX XX/XX/XXXX Paid FULL and ON TIME amount XXXX XXXX/XXXX  statement and payment XXXX had an XXXX credit of XXXX and regular charges of XXXX. PLUS interest charges of XXXX. 

I called to explain that I wasn't subject to interest because I had paid balance in full. They explained that they apply the payment to higher interest rate items first. However, they are including the new purchases as 'higher interest rate ' when, in fact a new purchase is 'no interest ' if it is paid in full before the 30 days. 

So I continue to have a balance on this 'low interest rate ' transfer even though I continue to pay my bill in full. 

THIS IS ILLEGAL!
Product: Checking or savings account

{$140.00} was stolen from account and the company responsible ( XXXX a know fraudent enterpise ) has attempted to refund this but the bank ( capital one 360 ) is not allowing the refund to post to my account. 

They have also offered to send a check which the bank is preventing. I was told by the bank to seek resolution from the company which I have done so I am confused as to why they don't accept the refund back to my account. 

I have been mailed papers from the bank that don't relate to my issue since these charges were fraud and continue to be shocked by the bank 's behavior on the phone and unwillingness to rectify this after telling me to seek resolution from the offending company which I have done. I continue to be owed this refund and the bank seems complicit in this fraud. I have been a bank customer since 2003 and have never had a problem before this.
Product: Checking or savings account

Complaint made to Popular Bank regarding deceptive advertising regarding unreceived promotional offer of {$200.00} for establishing a savings account and maintaining a monthly balance of {$8000.00}. On XX/XX/XXXX I opened my account with {$8000.00} with XXXX XXXX XXXX ( sales and service associate ) at the XXXX XXXX, NY branch. 
My discussion with him upon opening the account was to make sure I will receive a monthly mailed statement and he confirmed I woulld with my promotion to be received in XX/XX/XXXX. 
After receiving my initial statement cycle on XXXX XXXX XXXX I became aware that I did not receive a monthly statement for XXXX. Upon my inquiry to this, I spoke to customer service toll free number and was informed contrary to my discussion with XXXX XXXX, that I would need to show activity on the account in order receive a statement ( earned interest is not considered activity ) .This in effect has caused a months delay in receiving the promised promotion. 
Nowhere does it say that activity is required to receive a statement nor does the promotion indicate that a statement cycle is quarterly without activity. 
Upon calling the bank to speak with XXXX XXXX I was informed that he no longer works with the bank branch. 
Upon speaking to XXXX of the branch on Thursday she assured me to call me back the following day however no call was received. When I called on Monday I was informed she is unavailable for a week as she is in training. 
I have lodged multiple complaints with customer service # XXXX and XXXX without promised return calls. At this point I feel if I withdraw my funds I will forfeit my deserved promotion that the bank has acted deceptively in their advertising. 
As of XX/XX/XXXX no response from the bank and no promotional deposit in my savings account.
Product: Credit reporting or other personal consumer reports

I sent them a letter on XXXXXXXX  requesting my full file disclosure per 15 USC 1681g ( a ) ( 1 ) and they never responded. I also requested to opt out, freeze their account and set up fraud alerts and they have ignored my requests. 
XX/XX/XXXX  Sent via US Mail Early Warning Services , LLC Attn : Consumer Services Department XXXX XXXX XXXX XXXX XXXX, AZ XXXX To Whom it May Concern : I am writing to request that you send me EVERYTHING in my consumer file at EARLY WARNING SERVICES , LLC and any of EARLY WARNING SERVICES, LLCs subsidiaries and stored by any of its subsidiaries or any other entities maintaining data on behalf of EARLY WARNING SERVICES , LLC and its subsidiaries as of the date that you receive this notice regardless of the location it stored and how ; pursuant to 15 UC Code 1681g ( a ) ( 1 ). Please black out the first five ( 5 ) digits of my social security account number in all correspondence you send me to safeguard my privacy. 

I am requesting the following additional items be sent to me in the same package : Pursuant to 15 UCS 1681g ( a ) ( 2 ), all sources of information in my consumer file at EARLY WARNING SERVICES , LLC and any of its subsidiaries. 
Pursuant to 15 UCS 1681g ( a ) ( 3 ) ( A ), the identification of each person/company that procured a consumer report with my information from EARLY WARNING SERVICES , LLC and any of its subsidiaries. 
Pursuant to 15 UCS 1681g ( a ) ( 3 ) ( B ), the name, trader name, address, telephone number, email of each person identified under 15 USC 1681g ( a ) ( 3 ) ( A ).

Pursuant to 15 UCS 1681g ( a ) ( 4 ), the dates, original payees, and amounts of any checks in my consumer file at EARLY WARNING SERVICES , LLC and any of its subsidiaries used to adversely characterize me. 
Pursuant to 15 UCS 1681g ( a ) ( 5 ), a record of all inquiries received by EARLY WARNING SERVICES , LLC and any of its subsidiaries in the past one ( 1 ) year preceding the receipt of this request that identified me in connection with a credit or insurance transaction that I did not initiate. 
This is a request for my full file disclosure to include all obsolete and archived information on me as permitted by the Fair Credit Reporting Act. This is my first full file disclosure report request for this calendar year from EARLY WARNING SERVICES , LLC and any of its subsidiaries. I am NOT requesting a copy of my credit report. 

I trust that you will take this matter seriously and resolve it in a fair and expedient manner, but not later than 15 days from receipt of this request. I look forward to your immediate action and a prompt resolution. 

I am freezing any account you have opened in my name, please add a fraud alert and I am opting out per 15 USC 6802. You or any of your affiliates do not have my permission to disclosure, share or report anything about me or any account. 

Sincerely, XXXX XXXX Enclosed please find a copy of my drivers license, SSN card, and my utility bill for the purpose of verifying my identity and nothing more.
Product: Credit reporting or other personal consumer reports

To whom it may concern ; I have tried to get a copy of my credit report and was unable and to suppress my information to Everyone and all agencies or businesses but was unable. 
I would like a credit report as well as having all of my information suppressed for everyone please I have included a copy of my drivers license and Social Security card, but please dont allow this information to anyone Thank you XXXX XXXX
Product: Credit card or prepaid card

Eres un XXXX I got call and email from my bank. I can't pick up call but later I check my account online it shows ( XXXX XXXX IN XXXX CA ) they charge me {$230.00} from my account and then they refund it to me. Then I call to bank what's going on and they said we block ur card and we can send u new card in 6 days. I ask them how it's possible who try to use my card or online banker don't give me answer he said maybe someone try to fraud with u That's why I'm complaining about that I wan na know who trying to do this.
Product: Debt collection

They dont verify the debt correctly. I need - 1 Complete payment history on this account 2 Agreement with the creditor that authorizes you to collect on this alleged debt 3 Valid copies of the debt agreement without that information i will not pay anything without them validating the debt.
Product: Vehicle loan or lease

I have an auto loan with Tidewater Finance Company. My scheduled payment is {$490.00} a month. 

I pay {$150.00} weekly from my bank account using my bill pay feature. 

Payments are always sent on Monday ( unless a holiday ) and received on Friday. Tidewater used to post them on Saturday or Monday to my balance. 

This was until my last 3 payments which were not posted until I questioned it. This is allowing additional interest to accrue on the account as they dont go back and ost on the date received.

My last payment has not posted at all even though they received it a week ago and when contacted all they will tell me is my account is under review by management
Product: Debt collection

XXXX reported lack of payment to credit collection company American Coradius International. I did not open this account, and even the email used to open should raise suspicion. When I researched online, it appears this regularly happens with XXXX and ACI.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested on at least three different occasions for Santander Consumer USA to send me paperwork to validate the debt they claim that I owe on my XXXX  XXXX  and XXXX  credit reports. They still have not as of the date of this complaint send me any  paperwork to my mailing address which they have choose substantiates and validate the alleged amount of the deaths that they claim that I owe. As such, this is in violation of the fair debt collection practices Act as I have asked repeatedly for a validation of this alleged debts which they have failed to produce and this is also a violation of the Florida consumer credit protection act under the same guidelines in Santander Consumer USA has repeatedly stated before that I do not formally let them know what violations they are committing under both the fair debt collection practices Act and the Florida consumer credit protection act. As such, they have been negligent whether it is indirect or willful in my repeated attempts to have validation paperwork sent to myself via United States mail as they are not allowed to contact me via telephone at any for any reason per the cease-and-desist request that is already on file with them that bars them from contacting myself or contacting anybody related to myself via telephone.
Product: Credit reporting, credit repair services, or other personal consumer reports

SEE ATTACHED NEW FRAUDULENT ITEM ADDED TO MY CONSUMER REPORT ON XX/XX/23. 

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

I trust this letter finds you well. I am writing to express my continued frustration and dissatisfaction regarding the unresolved issues related to both a persistently late open account and an inaccurate late closed entry on my credit file. Despite numerous attempts on my part, these issues persist, causing significant distress and harm to my credit standing. 

I have diligently pursued the correction of these entries through multiple attempts, as outlined below Initiated contact with your customer service department to address the late open account issue. 
Follow-up communication after the initial inquiry did not yield a satisfactory resolution. 
Submitted written documentation and evidence to demonstrate the discrepancy in the open account. 


Reported the inaccurately labeled late closed entry on my credit file to your institution. 
Submitted a formal written complaint, including comprehensive documentation and evidence supporting the inaccurate nature of the late closed entry. 
Engaged in follow-up communication, providing any additional information requested and cooperating fully in the investigation process. 
Despite these concerted efforts, both issues remain unresolved, adversely affecting my creditworthiness and financial standing. This situation is not only causing significant inconvenience but also eroding my confidence in the accuracy and reliability of the information on my credit file. 

I implore you to conduct a thorough and expedited investigation into both matters and take immediate action to correct the late open account and remove the inaccurately labeled late closed entry from my credit file. Additionally, I request transparent communication regarding the steps your institution is taking to prevent similar incidents in the future. 

If these matters are not addressed satisfactorily within the specified timeframe from the date of this letter, I may be compelled to explore alternative avenues, including reporting the issues to relevant regulatory authorities and seeking legal counsel. I am asking for your assistance to correct these late open account and remove the late closed accounts in my credit file : XXXX XXXX XXXX XXXX Balance Owed : {$320.00} - Please check the Payment History and Status information on this account and adjust accordingly. 
XXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - Please check the Payment History and Status information on this account and adjust accordingly.
Product: Student loan

I have sent several messages through the app, after trying to call and being on hold for over an hour every time. The app states that they will reply in 2-3 business days. I have never received a reply to any inquiry. Now they are " retiring '' the app. The app makes it easy to manage and pay my loan. They provided no explanation about why. They are making it harder in this hard world for people to make payments. Not everyone has a laptop to go on the website and some phones don't convert well to sites like this. This is a disadvantage for all those repaying a loan. And the horrible customer service and no reply is just adding to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit bureaus via mail, online dispute and phone, as well as the creditor. The information provided by XXXX XXXX XXXX is incorrect, and has not been updated in over 18-months, it should be removed immediately as it has negative affect on my credit and I have been trying to resolve for over a year now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a total of nine closed accounts on my credit report. Four of those accounts have been paid in full within the last 90 days. The other five were accounts That had been settled and should have dropped off of my credit report over the past 10 years. This in accurate information shows up on all of the big three credit reporting agencies, XXXX XXXX, Equifax, and XXXX. The information also shows up on my profile in two of the credit monitoring services, XXXX XXXX  and XXXX  XXXX.
Product: Debt collection

i am a victim of ID THEFT and an account from XXXX appeared on my credit almost two years ago, however it was removed. 

my complaint is that almost two years later while i am in the process of purchasing a home, Portfolio Recovery Associates have placed the fraudulent entry on my credit. Not once was ever ever contacted by them by way of phone or mail.
Product: Credit reporting or other personal consumer reports

I went online to XXXX and they said that there would be no credit pull for trying to be preapproved. I went through all that and come to find out they pulled my credit every day for about three days as hard pulls! I tried calling them, Ive emailed them and I sent a letter with tracking ( tracking # : XXXX XXXX XXXX XXXX XXXX XXXX ). And NO contact back!