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

In XXXX of 2022 I began receiving billing statements via email to my non business email address from a company called Kikoff. I researched and found out they are a credit boosting company and they claimed I owed them a balance of {$10.00}. I believed this to be an error but the service looked interesting and so I tried to contact them to get customer service or resolve the outstanding bill. On trying to contact them I found that it is impossible to do so as they have no customer service number. I considered that i may have auto-filled information and may have forgotten and perhaps that is how they obtained my information. I tried to log into an account they said I opened but I could not as no password I would ever use worked. I became more suspicious and I emailed the company explaining my situation. Eventually they emailed back and XXXX flagged the response as a suspicious email. At this point it became evident to me that I was dealing with a fraudulent and possibly fictitious company. I disregarded the emails as spam that was fishing for my personal information. Every month after I kept receiving an email bill of {$10.00} per month. Eventually XXXX credit monitoring contacted me and reported that kikoff flagged my credit and that is when I realized that they had access to my personal information including my social. Those had an extremely negative affect on my credit, dropping my score over 100 points for a {$30.00} balance. I wrote the company again threatening legal action and I've received nothing but patronizing responses from their " support '' team. I disputed the claim through XXXX and my dispute was refused. I am extremely frustrated and my life has come to a halt as the timing of this situation is just as I was intended to leverage my credit for a large purchase. Please advise. Thank you. 

I have currently filed a police report in XXXX XXXX, Florida case # XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices which violation 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
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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/year>
Product: Credit card

My business credit card account has been closed and the bill has been paid in full which they had no right to close the account when I am the beneficiary owner of the account and the one who created the credit with my signature so since the account is closed and I'm sure they wrote the account off and it's still actually showing open and there's still getting paid off the account that I can not use I would like my 1099-C form from US Bank pertaining to the business credit card account the have closed from me using it but still have it open drawing funds from the account.
Product: Credit reporting or other personal consumer reports

My husband and I sent in dispute letters to each of the three credit bureaus and XXXX with a full size page copy of our driver license and utility water bill for proof of who we were and where we lived. Plus a letter from the bk court. I sent it in a XXXX envelop certified mail. I was disputing old information that is no longer valid and asked that they only have current information pertain to my name, address, phone number, useful information if someone is trying to get a hold of me NOW. I also asked for them to remove the BK info because the bankruptcy court sent me a letter informing me that they do not report to the credit bureaus that it was done by a third party non affiliate whom I did not give permission to. This information is damaging and is causing me stress. None of them took off the BK information XXXX, XXXX, or Equifax and they sent me back a letter requesting everything that I had sent them stating it wasn't clear. It is VERY clear and easy to read. Last year we sent all of these bureaus requesting the same information to be updated correctly and we are still trying to have them do it a year later. I am tired of asking for my information to be correct and up to date.
Product: Vehicle loan or lease

This letter is in reference to my complaint regarding numerous late fees charged to me by Regions Band on my automobile loan. The total late fees charged were {$600.00} which amounts to XXXX late payments at {$22.00}. The original loan date was XX/XX/XXXX. The first late charge appeared XX/XX/XXXX. A second was charged XX/XX/XXXX. No other payments included a late charge until XX/XX/XXXX. From then on for the next XXXX payments a late fee was charged. The total was {$600.00}. In most months I made payments around the XXXX of the month. 
I check the status of my credit cards and loans through looking at my credit reports on a regular basis. My credit score is in the high XXXX or low XXXX and the Regions loan shows 100 % of the payments were made on time. ( I can provide this documentation if necessary ). When I discovered that there was this large late fee due, I contacted Regions. This was on XX/XX/XXXX. I was told that a ticket was being opened. I heard nothing further from this call. I did, however, make an additional payment to be sure no further late fees would be charged. In late XXXX or XXXX XXXX, XXXX I called Regions to get the payoff. I was informed that there was an issue and that I would have to contact another office. After multiple calls and/or transfers I was told that they were authorized to write-off a maximum of {$35.00} and that anything else had to be done through a branch. The closest branch was in XXXX XXXX, Texas, XXXX miles away. I went to the branch and spoke with the branch manager who was very kind and professional but explained that he understood my position but that if he were to make the decision to write-off any amount on the loan, he would be in grave trouble with his boss and the write-off would go against his branchs profitability. As a result, he was unable to do anything for me. 
My issue with Regions is XXXX fold : XXXX. I was unable to contact anyone who, even if they agreed with my position, had the authority to make a decision without ramifications from senior magement. 
XXXX. There was no attempt to contact me regarding the late fees other than as they appeared on the monthly statements. ( No separate late notice, no email, no phone contact ). 
XXXX. Having made monthly payments regularly for XXXX continuous months yet continue to add {$22.00} each month, in my opinion, is unfair and a poor business practice. 
XXXX. Not addressed above, but when I called for my payoff, I received three differing amounts after being transferred from one office to another.

I ask that Regions credit my account for {$600.00}. If it is believed that I should have been charged for three late fees, then the credit should be {$530.00}. If required, I will provide documentation.
Product: Debt collection

I have received phone calls at all hours of the day from Sunrise Credit Services , Inc XXXX They claim to be collecting a debt of {$140.00} from XXXX XXXX XXXX but I have never used XXXX XXXX XXXX and they refuse to provide proof that I owe that amount. They have also entered a debt collection entry on my credit report which has negatively impacted my credit.
Product: Checking or savings account

On XX/XX/year> I paid two bills through bill pay at TDbank. One bill was paid. I received a bill from the other company including the payment I believed I had already made. I looked at my account and discovered it had not been paid. I called the bank and customer service confirmed that it had not been paid although I had a confirmation. There was nothing else for the agent to do except report it further. 
Clearly, there is something wrong with their XXXX which has now caused me a problem. I have had a problem similar with this bank in the past. 
Others should be made aware of the issues with this bank 's bill pay.
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 do 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 despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert that a collection account had been added to my credit report. I pulled my credit report to find out what this collection account was for. Well the collection company is trying to collect for an online payday loan that they have no legal authority to collect on as the loan was not legal and the State of California issued Desist and Refrain Order and Order Voiding Transactions and to Disgorge All Charges and Fees.
Product: Credit card or prepaid card

I WAS ABLE TO CORRECT MY PROBLEM, BUT I BELIEVE THEIR PRACTICES ARE UNCONVENTIONAL AND NEED TO BE OVERSEEN. 
THE XXXX CREDIT CARD PROGRAM-COMENITY BANK. 
I PURCHASED ITEMS XXXX AND XX/XX/XXXX. I WAS READY TO PAY WITH MY CREDIT CARD, BUT I WAS INFORMED THAT THEY HAD A PROMOTION FOR 0 % INTEREST. I SET UP RECURRING PAYMENTS ON MY CHECKING ACCOUNT, SO COMENITY BANK WAS RECEIVING MONTHLY PAYMENTS FROM ME. I NOTICED THAT I HAVEN'T BEEN RECEIVING STATEMENTS FROM THE CREDIT CARD COMPANY AND WANTED TO SEE HOW MUCH I STILL OWED. I FOUND OUT THAT THE XXXX BANK STATEMENT WAS RETURNED AND THEREFORE THEY STOPPED SENDING ME STATEMENTS. I CALLED UP ON XX/XX/XXXX. I WAS TOLD THAT THEY WILL SEND ME THE NEXT STATEMENT ON XX/XX/XXXX. 
I BEGAN TO ASK QUESTIONS AND DISCOVERED THEY ADDED ALL THESE PROMOTIONAL CHARGES, AND INTEREST FEES OF 30 % SINCE THE PROMOTION ENDED AND I DIDN'T PAY OFF THE TOTAL AMOUNT. THEY TOLD ME THAT THEY REMOVED THEM. THEY WOULD NOT SEND ME THOSE PAST STATEMENTS SO I CAN RECONCILE THE AMOUNTS. I WAS TOLD TO LOOK ONLINE. I WAS TOLD THAT I HAD TO PAY OFF {$1200.00} DURING THAT PHONE CONVERSATION OR ELSE THEY WOULD NOT REVERSE THE CHARGES. I DID THAT UNWILLINGLY BECAUSE I HAD NO WAY OF KNOWING IF THEY ADDED EXTRA CHARGES OR FEES. I WAS PAYING BLINDLY. AFTER THAT CONVERSATION I OPENED UP THE ACCOUNT ONLINE FOR THE FIRST TIME AND I SAW THAT THE STATEMENTS WENT UP TO XXXX XXXX. TODAY I CALLED AGAIN ASKING FOR THOSE PAST STATEMENTS AND " THEIR SYSTEM COULD NOT ACCOMADATE IT '' THE REPRESENTATIVE ON THE PHONE WAS ALSO NOT ABLE TO SEE THE XXXX TO XX/XX/XXXX STATEMENTS. 
I CAN'T UNDERSTAND WHY A BANK WOULD NOT SEND MORE STATEMENTS OR POST THEM ONLINE AFTER ONE STATEMENT WAS RETURNED TO THE BANK! THEY COULD HAVE CONTACTED ME THROUGH EMAIL OR PHONE OR MAIL. I NEVER MOVED. SOMETIMES MAIL GETS LOST. I WANTED TO HAVE THIS ON FILE SO OTHER CUSTOMERS DONT HAVE TO GO THROUGH WHAT I DID.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX,. XXXX XXXX XXXX, XXXX XXXX IS FRADULENT, XXXX/XXXX XXXX XXXX,. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX,. XXXX XXXX, gave me two letters of release stating the debt wasn't mine XXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX IL XXXX My name is XXXX XXXX XXXX XXXX My phone number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX and XXXX.. inquiries on my credit report that I did not do.. I talk to the representative at XXXX XXXX told her that I spoke with these companies and they had no information about me ever applying I asked her to remove them and she told me that she couldnt do that..
Product: Mortgage

Our journey started with LoanCare , LLC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, back in XX/XX/XXXX. My husband has a XXXX XXXX which affects his XXXX XXXX. We have been dealing with the XXXX since XXXX but with XXXX it has just made it a more pronounced XXXX. He had to prepare and have XXXX XXXX in XXXX and XX/XX/XXXX which costs {$27000.00} and {$24000.00} dollars. We did get delinquent on our financing on several items during XXXX and reached out in XXXX XXXX to see what could be done. Sent documents on several attempts to get what the next steps to proceed. Everytime we reached out, they just needed something else. Finally in XX/XX/XXXX we received a document indicating a Trial Period Payments. They were only about {$150.00} less than our existing payment but we made as agreeded! XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. No further documentation came regarding next steps. On XX/XX/XXXX called and spoke with XXXX, who said that they were working on the modification and we should be receiving the follow-up. She indicated " not to make a payment until we received '', it would just delay the modification. By XX/XX/XXXX we still had not received any information and no phone call. I called and spoke to XXXX. He said he didn't know why we had not received the payment was going to be {$920.00}, 1st payment would be XX/XX/XXXX, he said we should receive the information. Called back on XX/XX/XXXX and was told by XXXX that the package was still be worked on. First payment due XX/XX/XXXX. Still would not take a payment. Called and spoke with XXXX on XX/XX/XXXX still not completed modification, but she said " oh yes I will take a payment and I see where it is {$940.00}. She applied and I asked for a confirmation number and wanted to speak with a manager. She tried to transfer me but they were not available so she transfered me to a supervisor. Had to go through the whole story again with XXXX and he would look into it but also said he would call me back. I was pretty blunt and harsh, but guess what he never called me back. A package was prepared on XX/XX/XXXX, but not sent until XX/XX/XXXX and another package was sent on XX/XX/XXXX. Much to our suprise it is no help to us at all. We were not notified or called to discuss the terms. When we recieved our rate went from XXXX XXXX XXXX XXXX XXXX payment is only {$150.00} less than orginal and then there is also attached a Promissory Note to HUD in the amount of {$29000.00} that XXXX couldn't give us an explanation of total today when I called, This is not due and payable until the 1st mortgage is paid. The amortization of the modification was reset to a XXXX  year term. None of this was disclosed to us or we were not called to explain the terms or options. Again we are XXXX and XXXX XXXX XXXX why would we do this? All of this process is deceptive and non-compliant from a servicing process. At this point LoanCare should be penatilized and even pay our mortgage in full for simply causing us the additional stress and XXXX  which cause additional health issues. Thank you for your consideration in this matter. LoanCare needs to change their processes as I am sure we are not the only ones.
Product: Credit reporting or other personal consumer reports

I paid off both of my credit cards before I headed on a trip around XX/XX/2024, so that I can use them on the trip. The payments went through and they updated my balance. I used the credit cards the whole trip which was about a week with no problem. When I got back from my trip I went to check my balance so that I know how much I would need to pay, there was still nothing wrong with my account. A couple days later I went to order something from XXXX, which wasnt a big purchase. My credit card had declined, which was odd since I still had a disposable balance the last time I checked. I logged into my XXXX XXXX account to be met with both of my accounts closed. I was completely in shock as to why. Ive always kept up with payments never late. So I call their customer service to see what the problem was. The lady on the phone said my account had been flagged for fraud. Im now extremely scared because I dont know who got access to my account. As she kept explaining, she said that they reverted a payment that I made on ONE of my cards for what every reason they decided. Without updating me on that decision, while continuing to let me use the card while I was on my trip. Ive now had my credit score drop a couple hundred points due to this and have struggled to get back on my feet now that I have no credit cards. Also credit wise I havent been able to get out of this involuntary slump I was put i.
Product: Credit reporting or other personal consumer reports

I Authorized XXXX XXXX XXXX  ( Finance ) to obtain a copy of my credit report with TRANSUNION on XX/XX/year> as well as XXXX XXXX to obtain a Trade Line, for a new home. I was advised at no other time would a hard Inquiry be place on my report. As I view my credit report, I discovered 3 unauthorized from XXXX ( Below ). And I would like for these to be remove off my report ASAP to reflect accuracy on my report. 

XXXX XXXX XXXX ( Finance ) XX/XX/year>XXXX XXXX XXXX XXXX  Credit ( Finance ) XX/XX/year> XXXX XXXX Credit ( Finance ) XX/XX/year> Thanking you in advance for your Immediate attention, Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for an investigation into incorrect accounts reporting on my credit file nearly 70 days ago. I sent a complaint stating the amount of time passed with no response as being highly unprofessional. The bureau replied stating that i was not me and that i had hired a credit repair agency on my behalf. that as far from the proof. I dont need anyones help to know what is mine and what isn't. These accounts are incorrect and need to be deleted immediately as per FCRA.
Product: Money transfer, virtual currency, or money service

Paypal closed my account for no reason and will not help me getting it back up and going. I am not sure if this is some mistake as i assume it has to be. I have not been able to get help from them for days but i just remembered i could file report on here as i feel they are not doing their job properly and it is effecting me a great deal as i used PayPal quite frequently. 

My email linked to my paypal is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple inquiries on my credit that I didn't authorized and its affecting my personal credit score. The companies that are on my credit report I don't know them and I've never done any business with them
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

Today, XX/XX/XXXX, I spoke with a representative from AES. We discussed options for natural disaster forebearance and later loan repayment options. I told her that someone called me yesterday, XX/XX/XXXX, and said I needed to use their services to consolidate my loan and get loan forgiveness if I made 3 payments. I started the process and went through the security questions. After which, I did not complete the call because my phone battery died. When he called back, it died again so he texted me repeatedly. I finally called him and there was no answer. He called me repeatedly again and when i did n't answer, started sending me threatening and inappropriate and unprofessional text messages which I have documented and sent me a screenshot where he had disabled my FSA ID so that I can not access my account. He continued sending me inappropriate texts and I did not respond any further.
Product: Credit card or prepaid card

Recently, I, XXXX XXXX, was denied an extension of credit by Destiny XXXX Card. On XXXX XXXX, I applied for Destiny XXXX Card. 

As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ) .Destiny has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XXXX XXXX is both a proof and evidence that I have been discriminated against, you are also criminally liable. Destiny should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 

Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 

BEST, XXXX : XXXX  Without prejudice, all natural inalienable rights reserved.