23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I started to receive calls from XXXX. I called back got a recording " XXXX attempting to collect a debt. '' I have not been 30 days past due on anything nor received notices. Finally got a Rep on the line. First thing she mumbled her name, recording, Synchrony Bank, and this was attempt to collect a debt. The XXXX immediately requested my SSN on to which I refused. After great difficulty it was determined they were a bank backing XXXX XXXX XXXX credit card. That it was a bank not collection agency. They started calling because I had missed my XXXX/XXXX/2016 min. payment. She insisted I was 34 days late. Noted that she did not know the Credit Card XXXX or much about XXXX. She did finally agree to put my complaint in the tracker as mandated by XXXX XXXX. There was a very frustrating conversation where in which I requested to speak to a supervisor. After calling back I spoke with XXXX XXXX who confirmed that it was bank not a collection agency, and that I was not technically 30+ days late as the previous rep had insisted. I told him that I agreed I had missed my due date. By getting phone calls prior to even being 20 days late I consider to be somewhat harassing. It was concluded that he too did not completely know about the Card Act, XXXX, or other XXXX. I asked him to also enter the call into to their complaint tracker which he said it was already. I then advised him that I would be issuing my own complaint. I am attaching the credit card statements. On to which it states I needed to pay the full amount ( which included the past due amount ) by the next XXXX. Since the account was not 30+ days past the due date and late amount was now expected by the next due date, these phone calls were unwarranted. Also, Synchrony Bank used the tactic of " attempting to collect a debt '' was deceptive in trying to threaten me into making a payment although I now know it clearly reflects I did not.
Product: Credit reporting or other personal consumer reports

This company ( Synchrony Bank ) is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX I recently obtained a copy of credit report and XXXX is reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I have requested that they allow me to validate the alleged debt. To provide me a breakdown of all charges, dates of service, and procedures given including fees associated. 
Addictionally, I am allowed under the HIPPA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for ( XXXX XXXX XXXX XXXX ) to release my medical information to a third party I am aware that the HIPPA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization, therefore my requested is twofold and as follows ; Validation of Debt and Hippa Authorization -Please provide a breakdown of fees including any collection cost and medical charges. 

-Provide a copy of my signature with the provider of service to release my medical information to you -Cease any credit bureau reporting until debt has been validated by me To send this information to my mailing address listed above and accept this letter as my formal validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt be HIPPA complaint can be a violation of the FDCPA because you will be deceiving me after my written request. I requested FULL documentation of what they received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. 

All accounts in dispute : TAB SERVICES THANKS
Product: Checking or savings account

I had a checking account with this Citizen bank. The only ATM the bank offer is approx. 50 miles away from where I live, and there is no other ATM in 300 miles radius. I do not want to pay fee to withdraw money from other ATM. Also they do not service the only ATM here, so most of the time I drive 50 miles to learn the ATM is out of order. Also usually the paycheck that is paid by my employer does not show on Friday, Citizen credit the amount on next business day. I called the customer service line to close my account twice. They assured me the account will be closed and the balance will be mailed to my home address. However I never get that check, instead of check I have got this letter attached. They have the audacity to play with me. They never closed my account on time. Waited 2 months, added service charge to the account. Took my money that was supposed to come to my address as a check, made the account negative. After doing all this, they closed the account. I want my money back without shenanigans. I wish I have seen all XXXX reviews about this bank before opening an account there. Thanks.
Product: Checking or savings account

I finally trusted Venmo and had my entire paycheck direct deposited into the acct today. All day I've tried access my funds so I can pay bills, get gas and buy food my children. They denied every transaction when I have about {$1500.00} almost that was direct deposited. I started calling, chatting online and emailing at XXXXXXXX XXXX  est with no results, then at XXXX i received they froze my account. I can not reach anyone that will help me, every one tells me they cant help it is a different department but will not put me in contact with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank continuously keeps charging me late fees when their payment methods are not functioning properly online or over the phone. Their customer service representatives are very rude and disconnect the phone on you when often. Comenity Bank has reported inaccurate balances and late fees to the credit bureau to damage my credit.
Product: Mortgage

USBANK received a check on XX/XX/2022. The amount was for XXXX. USBANK incorrectly processed as XXXX. 
On XX/XX/2022 I found the error in my checking account at XXXX XXXX XXXX  XXXX. They immediately contacted the Federal reserve reference number XXXX which proves the XXXX was put in the USBANK account. 

Today XX/XX/2022 USBANK has failed to reduce our mortgage by the XXXX. They are " investigating '' still. I have reached to escalation and they have failed to do anything. 
I reached out to the USBANK fraud department however they only investigate credit card or bank account fraud. NOT fraud they commit in the Mortgage department. 

The federal reserve, USBANK and XXXX XXXX XXXX XXXXXXXX have been unable to resolve the matter. USBANK is the entity that refuses to correct their error. 

Please provide next steps on resolving this issue. 

Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute online to have items removed from my credit report which are incorrect and they continue to appear. One particular item was confirmed as being deleted on XX/XX/2020 but is still appearing on my report. 

XXXX Acct # : XXXX deleted XX/XX/2020 per credit bureaus but is still appearing on my account. 

Incorrect name : XXXX XXXX XXXX employers : XXXX XXXX umemployeed Unauthorized inquiries : XXXX XXXX XXXX XXXX No knowledge of account/ account not mine : XXXXXXXX XXXX XXXXXXXX Acct # : XXXX XXXX & XXXX Acct XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX reported inaccurate, negative information on my credit report to the big three consumer reporting agencies ( Equifax, XXXX, and XXXX ) for a debt that does not belong to me. The collection ( opened on XX/XX/year> for {$490.00} ) purportedly involves a XXXX XXXX account. 

I called XXXX XXXX years ago when it first attempted to collect this debt. XXXX confirmed the account neither belonged to me nor did it have any record of an outstanding balance associated with my name. At the time, XXXX 's collector discontinued collection efforts and returned the account to XXXX. Additionally, XXXX confirmed that the account in question belongs to a consumer who has a Maryland address. I've never lived in Maryland. 

Please discontinue this collection attempt and remove the negative information to the the big three consumer reporting agencies.

For policymakers : Consumer reporting agencies have created a system that facilitates collectors ' Illegally parking of inaccurate information on consumers ' reports. It is, therefore, little wonder why the big three consumer reporting agencies have earned the reputation of being a " cartel '' and a " tool of coercion '' for companies ' illegal collection activity. Policymakers should treat consumer reporting agencies as utilities.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  AND XXXX  HAS AN ACCOUNT ON MY CREDIT THAT IS NOT MINE. IVE DISPUTED THIS ACCOUNT SEVERAL TIME AND THEY HAVE REFUSED TO DELETE/REMOVE IT.
Product: Debt collection

XX/XX/2022 I got a bill from XXXX stating I owed them {$470.00}. I had done no business with them so I contacted them and told them some used my name Please stop the account immediately. They did nothing so the thief charged {$3000.00} more in XXXX. I kept calling them and had enter a fraud case which is # XXXX. At the {$470.00} point they had XXXX  XXXX  try to get me to pay. Then XXXX XXXX attorney at law llc and now the worst AmSher who calls and I have told them over and over it is not mine and returned a slip they sent on XX/XX/2022 disputing the debt. XXXX sent me 2 copies of what someone ( not me ) owes in XXXX claiming I requested them which I did Not. Please get XXXX and their collectors to leave me alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX maliciously reported my payment history for XX/XX/2022. The payment was due on XX/XX/2022. I requested for an extension and was granted on XX/XX/2022. I was told I had 10 days to sign this extension and make the payment. I chose to pay and sign the agreement on the same day XX/XX/2022. I received confirmation from XXXX on the executed agreement and payment receipt on XX/XX/2022. A few days later I was notified from my credit monitoring services, XXXX reported I didn't make payment so they added a 30 day marker for XX/XX/2022. I spoke with their representative on XX/XX/2022 and file a complaint and investigation into this error. On XX/XX/2022, I was advise they don't care whether it was less than 30 days late or not. As long as it is close to 30 days late, they can add the 30 day marker. I expressed repeatedly it was not a full 30 days because XX/XX/2022 is not a full 30 days. XX/XX/2022 was actually 28 days. They were suppose to wait till XX/XX/2022 to see if I was 30 days late. 

This malicious action has cost me Big and is affecting my livelihood. I need to be able to work in order to make my payments. My score dropped about 50 points. I worked so hard to maintain good credit and in one shot XXXX destroyed ME! 

Please help, they can't violate me and get away with it.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees occurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. 
This issue aligns with recent CFBP findings against Navy for similar practices where transaction settled with insufficient balances, despite initially available funds. I believe that these practices were unfair and request an investigation into my account transactions.
Product: Mortgage

Received letter dated XX/XX/year> advising my " wind '' insurance expired XX/XX/year>. The letter stated Mr. Cooper will " force '' me to acquire " wind '' insurance which is not required in Colorado. I didn't even know I had this type of insurance and is not noted on my policy. There is NO mandate in Colorado to have this. I have read multiple reviews on this company and they are " shady '' at best. The letter didn't have a time as to when I need to acquire this insurance. We don't have HURRICANES in Colorado. I want to know what recourse I have to avoid this requirement. This is the 3rd time this company has stiff armed me regarding insurance. They're also responsible for " ILLEGAL '' foreclosures and I can't believe these companies still exist. I HONESTLY BELIEVE I'M BEING SCAMMED FOR MORE MONEY!!! How do I prevent being forced to get the " wind '' insurance? 

Thank you, XXXX XXXX XXXX XXXX
Product: Debt collection

Mortgage debt was discharged in XXXX of 2014. Selene Finance bought the discharged debt from XXXX XXXX and has been harassing us ever since. They most recently reported the closed account as open and past due causing my credit to drop XXXX points. We've notified them by phone and in writing by providing the discharge papers and they continue to call, send fraudulent insurance request paperwork, and make harassing phone calls. Ive disputed the debt though XXXX and they refuse to remove the item from my credit saying the debt has been validated even though I provided the discharge paperwork.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, inc. ) due to inadequate custom services and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Consumer Loan

I entered into a vehicle lease for a XXXX Volkswagen Jetta at XXXX XXXX Volkswagen in XXXX, XXXX in XXXX XXXX. The lease was supposed to run until XXXX XXXX. However, I received XXXX in XXXX XXXX. I was XXXX for a total of 184 days. While at training, I attempted to terminate my lease under SCRA, but Volkswagen denied my application because they said SCRA would not apply if I was not XXXX out of the U.S. I applied twice more after that and still continued to be denied. Eventually, in XXXX, the dealership told my mother they would take the car back and she turned it in without issue. However, in XXXX I received invoices from the dealership stating that I was behind two payments for XXXX and XXXX XXXX. After calling the dealership, they told me that they had not completed the process for turning in the vehicle and that those two payments would be taken off of my account. However, in XXXX XXXX I received a statement from the Volkswagen credit department out of XXXX saying that I owed {$13000.00} for the remainder of the lease. I went to the XXXX XXXX legal office for help. The XXXX called the credit department informing them of my rights under SCRA and they told me to reapply to them since they are the ones authorized to process vehicle turn-ins. First, they gave me a fax number which did not work. Then the XXXX was able to email my paperwork to the credit department and I received a receipt that they received the email. However, after a week went by, they said they still had not received my email, even though they sent me a receipt notice. After re-sending the paperwork, they denied my application again citing that SCRA did not apply to me because I was not out of the U.S. and I was not on XXXX XXXX for more than 180 days, even though my orders show I was. The XXXX again called the credit department to inform them that they were incorrect and told the XXXX that they would look at it again and contact us when they reviewed it. I have still have not heard back, even though they are continuing to send me invoices. The XXXX and I feel that Volkswagen is being completely unresponsive and is not honoring my right to legally early terminate my lease under SCRA and at this point want to seek assistance from the CFPB.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Subject : Unauthorized Credit Inquiries on My Credit Report Dear Sir/Madam, I am writing to file a formal complaint regarding unauthorized credit inquiries on my credit report. I recently discovered multiple inquiries made by financial institutions, namely XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX to my Experian credit report.These inquiries were made without my authorization, and I believe this constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and also violation of 42 USC 408 in regards to the use of social security number being used without my permission and for the use pertaining to any loan or credit. 

Details of Unauthorized Inquiries : XXXX XXXX : XXXX XX/XX/2023 XXXX XXXX Auto Finance : XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 I did not provide consent to any of these institutions to access my credit report, and these unauthorized inquiries have adversely affected my credit score and financial standing. I have not applied for credit or loans with these institutions, making these inquiries unauthorized and unwarranted. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly. I have attached a copy of my credit report highlighting the unauthorized inquiries for your reference. I urge the CFPB to ensure the removal of these unauthorized inquiries from my credit report. I did attempt to call phone numbers to speak today raid department but all attempts failed. 

Thank you for your prompt attention to this matter. Please feel free to contact me if you require any further information. I appreciate your assistance in resolving this issue. 

Sincerely, Consumer
Product: Student loan

Contacted Navient on Monday XX/XX/XXXX regarding a payment I mailed on XX/XX/XXXX. The person I spoke with indicated that the payment had not been received and would not be accepted because the payment was mailed to the wrong address/department and that the check would be mailed back to me. I attempted to cancel the first check and mailed a new check to the correct payment address on XX/XX/XXXX. I checked my bank balance on XX/XX/XXXX and noticed that Navient had cashed BOTH checks. I contacted Navient on XX/XX/XXXX regarding the payments and they could or would not provide any details about which checks were cashed or why. I called Navient customer service three times on XX/XX/XXXX regarding the issue and was routed to their fraud department through their customer service number. I waited on hold for over an hour each time to speak with someone from the fraud department, however no one at the Navient fraud department would answer. Also, when I called back the customer service number, I asked if someone would be able to contact me regarding the issue and they indicated no. I 'm not entirely sure what to do at this point.
Product: Debt collection

I made a payment on my Citicard account on XX/XX/2021. The payment was adequate to bring my account current. Today is the XXXX and I am still receiving phone calls about paying the bill. I received 4 phone calls yesterday for an account that is current. This is harassment.
Product: Checking or savings account

About four or five months ago the ATM card started to fail on the first try at a specific ATM location. About two months ago the ATM card started to completely fail at all locations. I called the bank 's customer service number. They said there was a fraud alert and they couldn't do anything about it, or even why the fraud alert was there. I then went into the bank branch nearest me, and they thought it was a defective card. I was sent a new card and it worked until XX/XX/2023 when it failed again. I went to the nearest bank branch then and they said there were holds placed on the the ATM usage. The individual I spoke to said the problem will go away in two hours. It did not. Two days later the card failed. I called the bank 's fraud line and they said there was a hold on the ATM due to fraud. They claim there is nothing they can do to change this fraud hold on my ATM card usage. Essentially they can not stop the A.I. from putting up these false positives on my ATM portion of my account. It renders my account useless. The bank is M & T Bank of XXXX, New York, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX, I submitted a CFPB complaint against National Credit Adjusters and how theyre reporting a debt supposed it owed to them incorrectly. I disputed that the open date is showing incorrect on my XXXX, XXXX and XXXX of an incorrect open date of XX/XX/XXXX, which is incorrect! According to what they sent youll via response showed that the supposed date of last payment was XX/XX/XXXX, not any dates in XXXX. I am asking that this account be deleted due to inaccurate reporting immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a minor, I was given a credit card under my mothers name - no information about me was given nor was I an account holder. The company - Barclay credit card - added me onto the account as a holder and it is now effecting my credit score when I have not been on the account for over a year and is continuing to show up on my credit report.
Product: Debt collection

Several times this company has called me on attempts to collect a debt that I have never heard of. I asked them to please send proof that it is me who requested the loan. They will not send proof and keep calling me.
Product: Credit card or prepaid card

I received a " debit card '' through goprogram.com in the mail on XX/XX/XXXX. The card is making it " look like '' I have to use it for child support payments by placing a " Michigan Child Support '' logo in the top right corner. The misleading promotional info made me mistakenly register the card. Now it says it's going to charge me {$1.00} a month if I don't use it. I didn't realize it wasn't actually for child support and that I didn't have to use it. I called the toll free number many, many times, and there is absolutely no way for me to talk to a human to cancel it because I only activated it because they misled me. But now they're making it impossible to cancel. Same for the website, it only leads you to the XXXX number with no human option. So basically they tricked me, will be taking {$1.00} a month from me for non-use, and now I have way to cancel or close the card, which will ruin my credit score. There is absolutely no way for me to speak to a human. They basically preyed on a new single mom who has no idea what she's doing. : (