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 incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settle me with insufficient balances 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

Experian Credit Bureau re- inserted a fraudulent account bank on my credit a year later after they removed it while I was in the middle of refinancing my home. 

The account was manufactured in my name and they have a copy of my police report and fraud affidavit in there database. I find it immensely frustrating that they would re-inserted the unknown account back on my credit an year later without notice/warning. I have filed a complaint with the FTC an the AG office as well. Also is says the account was included in BANKRUPTCY when I have not filed for BK- in addition it says the BK occurred in XX/XX/2013- if that is the case why would they re-add it 7years later!! 

Account name XXXX XXXX XXXX Account number XXXX .... 
Debt included in Chapter XXXX Bankruptcy on XX/XX/2013 XX/XX/2013
Product: Debt collection

Resurgent trying to contact me after I asked them not to contact me only by mail to provide me with something that I don't own them Account Number : Ending in XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX. 

Current Owner : LVNV Funding LLC Resurgent ID : XXXX Current Balance : {$2700.00}
Product: Debt or credit management

I have emailed this company to update my address for the lawsuit and I did not receive a response get a response during the window frame it was open.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removal of the inaccurate information about my accounts has been diligently neglected by the 3 Credit Bureaus. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date, XX/XX/2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, they have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting unverified information. Below is the account that still reporting on my account : XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00}
Product: Checking or savings account

i opened an account through the XXXX XXXX XXXXXXXX, managed by PNC Bank on or about XX/XX/2022. On XX/XX/2022, i wrote myself a check for {$8.00} from my personal checking ( XXXX XXXX XXXX to " test '' out the App. The funds were deposited in my XXXX account and withdrawn from my XXXX account. On XX/XX/2022, the check was allegedly " returned '' according to the information available in the XXXX XXXX. However, this check was not returned and was successfully cashed against my XXXX account. 

On XX/XX/2022 I contacted XXXX through their messaging service in the App advising them of this mistake and requesting an explanation for this error. Thier reply was that the " check was never deposited, and was returned '' and that i should " work with the issuing bank. '' I rebuffed their response and was subsequently ignored. 

On XX/XX/2022, I contacted XXXX and verified that the check was successfully cashed by XXXXPNC and obtained a copy from my account records. I also verified that the funds were never returned to XXXX by XXXX/PNC and that the funds in my XXXX account were more than sufficient to cover the {$8.00} check at the time of issue. 

That same day i called XXXX and detailed the facts above. The first representative was unable to assist and simply repeated that i should work with issuing bank. I asked to be escalated to a manager, who again repeated the same position, despite my insistence that i had contacted the issuing bank and confirmed XXXX was the one at fault. He advised that the matter would be escalated and i would get a response soon. 

Several days later i did get a reply, it was the same reply that i had received during every encounter with XXXX, that the check was returned and i should work with issuing bank. 

Since then i have exchanged several emails with XXXX, providing them with a copy of the cashed check, and my XXXX & XXXX XXXX statements reflecting the withdrawal of the funds and absence of any return. To date, the matter is still unresolved.
Product: Credit card or prepaid card

Opened account with PayPal Credit in XX/XX/XXXX web checked my account and it disappeared XX/XX/XXXX with account in good standing and no missed payments. I called the company twice and got the same answer, " the system identified your account as part of a bankruptcy and has been charged off to collection '' I asked to escalate my compliant to resolve any issue and they denied any such action. Their has been no bankruptcy attached by me or any bankruptcy in the year this account was opened. There were no notices via web, mail or phone.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Ga XXXX XXXX XXXXXX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Deletion of [ XXXXXXXX XXXX XXXX XXXXXXXX ] from My Credit Report Dear Experian, I am writing to formally request the immediate removal of the [ XXXX XXXX XXXX XXXX XXXX from my credit report, which is listed under the account number [ XXXX ]. 

I dispute the accuracy and validity of this item, and after extensive attempts to resolve the matter directly with the company, no satisfactory resolution has been achieved. I have filed complaints through various channels, including the Consumer Financial Protection Bureau ( CFPB ), and have not received a meaningful or timely response. Given the failure of the company to provide evidence or a resolution within a reasonable time frame, I am requesting the removal of this item from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate or unresolved information on my credit report, and I demand that this account be deleted immediately due to the lack of evidence supporting its validity. 

Please confirm in writing within 30 days that this item has been deleted from my credit report. If this request is not fulfilled, I will be forced to escalate this matter through further legal or regulatory means. 

Thank you for your prompt attention to this matter. I expect a swift resolution and look forward to receiving confirmation of the removal. 

Sincerely,
Product: Money transfer, virtual currency, or money service

I am filing this complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Customer 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 cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the account has Violated my Rights 15 U.S.C 1681 section 604 A section 2 : It also states that a consumer agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

See my previous case ( XXXX ). I have mailed in the requested documentation to Equifax MULTIPLE TIMES by certified mail, and they STILL will not lift my security freeze. There is no office to visit to escalate this, there is no human being on the other end of the customer service line there is just the same letter being mailed to me in response to me mailing all of my documentation, at my own expense via certified mail, stating that Equifax will not lift my freeze. THIS IS ABSOLUTELY BLATANT FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported all XXXX major credit bureaus XXXX, Equifax, and XXXX that the collection from XXXX XXXX for XXXXXXXX XXXX XXXX has many inaccuracies. 
XXXX and Equifax reporting a high balance of {$1500.00}, and XXXX is reporting a high balance of {$1500.00} which is different from XXXX and Equifax. 
Balance owed XXXX and Equifax reporting {$1600.00}, and XXXX is reporting {$1600.00} however the Balance owed is higher than the high credit and amounts are different as well. 
Account number for XXXX and Equifax are different from XXXX. 
Date of last activity for XXXX is XX/XX/XXXX, Equifax is XX/XX/XXXX and XXXX date is XX/XX/XXXX all XXXX dates are different from each XXXX bureaus. 
XXXX is reporting on account status as open which is if its in collection account status can not be listed as open account. Equifax and XXXX account status is listed as closed again all XXXX bureaus reporting inaccurate information on my file credit. These inaccuracies are causing me emotional mental distress due to the fact I can not I apply for credit to make major purchases for myself without paying having to pay high interest due to these inaccuracies. 

XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX -- XXXX High Balance : {$1500.00} -- {$1500.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX -- XX/XX/XXXX Date Reported : XX/XX/XXXX -- XX/XX/XXXX Date Opened : XX/XX/XXXX -- XX/XX/XXXX Balance Owed : {$1600.00} -- {$1600.00} Closed Date : -- -- -- Account Rating : Derogatory -- Derogatory Account Description : Joint -- Joint Dispute Status : Account not disputed -- Account disputed Creditor Type : Collection Services -- Other Collection Agencies Account Status : Open -- Closed Payment Status : Collection/Chargeoff -- Collection/Chargeoff Creditor Remarks : Account informationdisputed by consumer, meets FCRArequirements -- Consumer disputes thisaccount informationSubject has not XXXX. 
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Last Payment : -- -- -- Past Due Amount : {$0.00} -- {$0.00} Account Type : -- -- -- XXXX XXXX XXXX XXXX Account # : -- XXXX -- High Balance : -- {$1500.00} -- Last Verified : -- -- -- Date of Last Activity : -- XX/XX/XXXX -- Date Reported : -- XX/XX/XXXX -- Date Opened : -- XX/XX/XXXX -- Balance Owed : -- {$1600.00} -- Closed Date : -- -- -- Account Rating : -- Derogatory -- Account Description : -- Joint -- Dispute Status : -- Account not disputed -- Creditor Type : -- Other Collection Agencies -- Account Status : -- Closed -- Payment Status : -- Collection/Chargeoff -- Creditor Remarks : -- Customer disputedaccount - reported bysubscriber. 
-- Original Creditor : -- XXXX XXXX -- Last Payment : -- -- -- Past Due Amount : -- {$0.00} -- Account Type : -- -- --
Product: Credit reporting or other personal consumer reports

Kindly eliminate these inquiries. I possess no relevant information on them, and they were conducted without my authorization by the company.
Product: Credit reporting or other personal consumer reports

Equifax reporting my credit without written consent as well as my social number being locked. 
XXXX account that's paid and closed still reporting my credit. 
XXXX reporting my credit without written consent. 
XXXX reporting my credit without written consent. 

All these are violations under consumer law. 

All these companies operate under the Security Exchange Act In which I've only received inquiries, not credit.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it. 
XXXX Inquired on XX/XX/XXXX, XXXX XXXX  XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX  Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX  XXXX Inquired on XX/XX/XXXX, XXXX  XXXX Inquired on XX/XX/XXXX, XXXX  XXXX Inquired on XX/XX/XXXX, XXXX Inquired XXXX XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX  XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX & XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX
Product: Credit card or prepaid card

The complaint concerns US Bank Credit Card. My mother passed away and I paid her final bill and realized she had unused points. On XX/XX/2020 I called the US Bank credit card customer service line and was told I could have the points transferred to my US Bank  credit card but first I needed to close the account and then needed to call them back once I closed the account. I was transferred to that department and closed the account. I called back and spoke to a different person in the customer service department and she told me that BECAUSE I closed the account, I could no longer transfer points. I spoke to a supervisor who told me if I immediately faxed in the papers which showed I was the executor of the estate which I did on XX/XX/XXXX. I called back on approximately XX/XX/XXXX and was told it was never received and further the account was in " collections ''. This could not be as there was ( is ) a XXXX balance. I asked for a supervisor. This person said the fax was received and it would be 5-7 business days before the points ( XXXX points- with a cash value of {$340.00} ) would be transferred to my account. I called again on XX/XX/XXXX as I received a letter saying they needed the executor papers. I spoke to a customer service agent and then asked for a supervisor. He said he found all the papers and that the points would be transferred within 7-10 business days- there would be no further problem. I called today XX/XX/XXXX and no one seems to have or know anything. I spoke to a supervisor and he said basically there is nothing he can do. I am on hold now to speak to the supervisor 's supervisor but I hold no hope of anything being resolved as now they are saying they have no record of any of this except my call on XX/XX/XXXX to check on this. I was told to cut up my mother 's credit card, which I unfortunately did and now I do not have her credit card number. What can I do? I have spent many many hours on this, doubled my frustration because I have lost my mother and now I am being told there is nothing anyone can do.
Product: Mortgage

On XXXX XXXX my husband XXXX XXXX received information that our house was set for auction on XXXX XXXX 2016 if we did not pay the past due balance. Her contacted our mortgage company RoundPoint Mortgage and was told to pay XXXX by XXXX XXXX to stop foreclosure. We issued and mail a cashier check and overnighted it to the company in the amount of XXXX they received the check on XXXX XXXX @ XXXX. the cashier check was returned to us on XXXX XXXX. post marked XXXX XXXX saying it was n't enough money. He called the company on XXXX and they apologized and could n't give us any explanation as to why the check was returned and told us to wire them the funds due to time restraint! I wired the funds yesterday at XXXX my husband called today and XXXX said that he was manually entering the funds to our account to call him back within the hour! My husband called and they said it was n't enough funds that we need XXXX then went to XXXX! XXXX would n't speak with my husband, my husband asked for a supervisor and was placed on hold for 15mins and then they told him that the supervisor would have to call him back! I have never in my life dealt with a company like this!
Product: Credit reporting

I have contacted the agency,  Berlin-Wheeler several times about removing the incorrect information from my credit report and  they refuse to. I have contacted the company,  XXXX   XXXX , about my account with them. They say my account is paid in full but refuse to give me anything that shows it 's paid in full or r eport it to Berlin-Wheeler a s being paid in full. I have paid this collection several years ago and they still reporting it as not being paid. I have contact the credit report agencies   XXXX   XXXX    XXXX   XXXX  and they still have n't done anything about other than it takes 30 days and it 's still working.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had Four late payments on my XXXX XXXX account Dated XXXX with the account number XXXX that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for my XXXX XXXX account. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand that these payments be updated to on time as they should be, as I was never late. Thanks.
Product: Credit card

cancelled training course smarter than XXXX but not getting refund from credit card company, On Sun, XX/XX/year> at XXXX XXXX  XXXX, XXXX XXXX wrote : Hi XXXX, As mentioned in the training, before purchase emails, on the sales page, on the order form and in your contract - we do not offer refunds outside of our policy which is very clear : XXXX -- XXXX As such until you've gone through 3 certifications and completed all assignments as well as exams, we can not offer a refund. 

None of it is in the fine print, it's all quite blatantly shown and explained over half a dozen times before purchase. 

But as mentioned, if a resolution is not reached we'll have to revert to our standard operating procedure. 

Best, -- XXXX XXXX Support Team XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX On Sun, XX/XX/year> at XXXX XXXX XXXXXXXX, XXXX XXXX XXXX wrote : Your course has deceptive advertising said once can opt out in three months but later show fine print Not legally binding On Sun, XX/XX/year> at XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX wrote : I lost my job so can't pay or purse this program I told you I don't have time or money for this XXXX
Product: Credit card or prepaid card

I have made all my payments on time and above the minimum payment every time. However, some of the payments I have made have not been applied to my account for months now. On the other hand, there are some withdrawals from my bank account by AMEX that I did not process and they are not applied to my account either. A dispute has been opened for one of the {$40.00} payments for over a month now. A new investigation has been opened for the others, but no explanation as to why or how were the payments process/withdrawn from the bank account without our request. 

The payments are made using my mother 's bank account as she is my account. 

XX/XX/2019 AMERICAN EXPRESS ACH PMT XXXX WEB ID : XXXX - {$100.00} XX/XX/2019 AMERICAN EXPRESS ACH PMT XXXX WEB ID : XXXX - {$70.00} XX/XX/2019 AMERICAN EXPRESS ACH PMT XXXX WEB ID : XXXX - {$50.00} XX/XX/2019 AMERICAN EXPRESS ACH PMT XXXX WEB ID : XXXX - {$40.00} XX/XX/2019 AMERICAN EXPRESS ACH PMT XXXX WEB ID : XXXX - {$36.00} XX/XX/2019 AMERICAN EXPRESS ACH PMT XXXX WEB ID : XXXX - {$40.00} Total taken from my account and not applied : {$330.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

COLLECTION BUREAU OF A Original creditor : XXXX XXXX XXXX XXXX XXXX - Balance updated XX/XX/2019 This Account was Apid in full, yet it still shows on my credit report as in collections.
Product: Credit reporting or other personal consumer reports

" The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable XXXX XXXX XXXX ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX FINANCIAL, NCCINC/ATLANTA LUXURY MO, XXXX XXXX XXXX XXXX XXXX XXXX DEALER SERVICES, CITIZENS XXXX AUTO FINANCE, TRUIST DEALER SERVICES, ASSOCIATED CREDIT XXXX XXXX