23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

My Husband and I have been a member of Navy Federal CU since XXXX and shortly after opening an account we applied for an Auto loan and Credit Card. The loan was approved for our XXXX XXXX XXXX and we received our credit card. I have never been late on a payment past the 10 day grace period, Maybe a day or so, due to the way our paycheck fell in accordance with the due date. 
If the payment was n't made on or before the actual date Navy federal would lock down all account access online even our debit cards & credit cards. We had no way to get funds from our checking account leaving us no funds to access and care for our XXXX children until the loan was paid one to 2 days later. I would call begging for them to lift the block and was told that they could n't until the loan payment was made. On a couple of occasions my child was sick and I needed to pay for a prescription and was turned away by Navy federal. Another occasion I was about to run out of gas coming back from a long trip and call an was also turned away, each time there were funds in my account just not enough to make said payment that was due. Although, When a Direct deposit was made to the Checking account Navy Federal transferred automatically to the Auto account or Credit account without our consent. This is the reason why I closed my checking account with Navy Federal CU. I strongly feel that my family and I should be compensated for the mishandling of our accounts.
Product: Credit card or prepaid card

I have been in contact with AMEX since XX/XX/XXXX because of concerns paying my account. I was told to contact them after XX/XX/XXXX to arrange a payment plan. I was not offered a lower payment or interest rate, and when they asked for a payment up front I had just paid my bill 3 days prior, so they told me to wait until XX/XX/XXXX to call back and setup the plan before my next payment. I contacted them today and said I was told to ask for the lower interest rate that the previous person told me about. They told me it was not available. My other creditors have put me on liquidations plans of XXXX months with no interest. I am experiencing a financial hardship and I'm in crisis and need to make arrangements for this account.
Product: Credit card or prepaid card

XX/XX/XXXX I initiated fte payment from my XXXX XXXX to wells fargo in amount of XXXX. It arrived into wells fargo on XX/XX/XXXX. They have placed a hold on the payment for 14 days they state amounts over ( a certain amount ) are held for 14 days before release into the account. This amount was removed from my XXXX acct and credited to wells fargo - they acknowledge having it but will not clear my account. I have escalated this to senior customer service at wells fargo none of whom speak clear english I never did get an answer as to why it takes 14 days or what the magical number is that then indicates they place your money into the hold. Wells fargo clearly have not learned anything from thier recent bad press about customer service!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ford motor credit continues to report a default from over 20 years ago. 
They need to remove this all together
Product: Credit card

I contacted Dell Commenity Bank in XXXX of 2023 concerning an inaccuracy in my bill. They resolved the matter by adjusting the bill by approximately {$2000.00}, leaving a {$400.00} balance I did not owe ( see XXXX XXXX XXXX ). I contacted them several times, explaining that the plan they are charging me for is for items that have been returned. Providing multiple documents showing the returned items. Even with the proof, they insist the charges are mine, and the billing is correct. They then go on to say that credits that were given were given based on two reasons : 1 ) at the time of the return, I did not select returning the shipment fee, which is not an option to select 2 ) the credit was given based on the contingency that I would pay the next months bill which was not true thus causing the reversal of the credit. In XXXX, I noticed that one of the plans that had a {$87.00} balance ( see the first plan in each bill... there is not original date or purchase but you can see that there is a decrease in the billing until XXXX where a significant increase occured ) had increased to a {$420.00} balance... again I disputed this and again I received the same boiler plate letter and denial. I am convinced they are not investigating this matter but instead hoping I give up. With this, I've decided to only pay off the correct plans. They responded that they have disclosed how my payments are allocated even though I have given specific instructions on how my payments should be applied.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S. Code 1681 Section 604 ( a ) ( 2 ) States that I have the right to privacy which has and still is constantly being violated 15 U.S. Code 1681 Section 604 A Section 2 It also states that a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports 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: Mortgage

I am writing as a loyal XXXX XXXX customer of Bank of America to express my deep disappointment and concern regarding the handling of my adjustable-rate mortgage ( ARM ) account. 


When I took out this mortgage, it included a 5-year rate lock, which is set to expire this month. Anticipating the need for clarity on what would happen next, I made proactive efforts to contact both the mortgage helpline and my local branch to inquire about the rate adjustment process. On multiple occasions, I was assured that the rate could only increase by 2 % at a time. 


Following this, I received letters notifying me of the rate locks expiration and urging me to call for options. Once again, I called the provided number and spoke with an associate who confirmed the same information : that the rate increase would be capped at 2 %, and there was nothing further I needed to do. 


To my shock and dismay, when I reviewed my accounts online, I discovered that the rate had increased by over 4 % in a single adjustment. I immediately called the mortgage helpline again, only to be informed that the earlier information I received was incorrect. I was then told that the rate can indeed adjust by more than 2 % in the first year following the locks expiration and that nothing could be done to rectify the situation. 


This misinformation has left me in a difficult position. Had I been given accurate information, I would have already secured a new mortgage product to avoid such a significant and unexpected rate increase. Now, with only a few days until the new payment takes effect, I am scrambling to find an alternative.
Product: Debt collection

Debt collection company Wakefield and Associates is trying to collect a medical debt I was told by hospital I was not responsible for when I signed for treatment. I was hit by driver and was informed by hospitals XXXX and XXXX XXXX aka XXXX XXXX that the driver that caused accident was responsible for payment. Also other issues with these debts is that I was warned by credit monitoring service that Wakefield has been adding interest onto the medical debts. This is without ever verifying the debts with me. Also how do you add interest on to medical debts. I have images of the added interest from the credit monitoring service it seems Wakefield is adding small sums onto each debt they have. My main complaints are that I was told by hospital that I would not be responsible for payments as the driver who caused the accident was. If I knew that would change there is no way I would agree to be the responsible party. Also Wakefield has reported this debt against my credit and appears to be adding interest to this medical debt without me ever acknowledging this debt.
Product: Credit reporting or other personal consumer reports

I have been trying to get a copy of my Lexis Nexis consumer report including my XXXX  report. They say I can get it online but it doesnt give it to me and then when i get it in the mail I can never get the report. There is always trouble with the code they give me to open it.
Product: Credit reporting, credit repair services, or other personal consumer reports

dscount auto never late XXXX XXXX ftc violation XXXX XXXX l ( all account could not fit o FTC report ) credit collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( HOW ITS LISTED ON MY REPORTS ) XXXX XXXX XXXX XXXX XXXX XXXX INQUIRES THAT NEED TO BE REMOVED XXXX/XXXX   XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

GmFinacial pulled my credit on XX/XX/XXXX ( Did not authorize this ) XXXX  XXXX pulled credit on XX/XX/XXXX ( Did not authorize this ) XXXX  pulled my credit XX/XX/XXXX ( Did not authorize this ) XXXX pulled my credit XX/XX/XXXX ( Did not authorize this ) XXXX  pulled my credit XX/XX/XXXX ( Did not authorize this ) XXXX pulled my credit XX/XX/XXXX ( Did not authorize this ) XXXX XXXX XXXX XXXX XXXX pulled my credit XX/XX/XXXX ( Was told i wouldn't get a hard inquiry ) XXXX XXXX pulled credit XX/XX/XXXX ( Did not authorize this ) XXXX/XXXX pulled credit XX/XX/XXXX ( Did not authorize this ) XXXX  pulled creditXX/XX/XXXX ( ( Did not authorize this ) XXXX XXXX XXXX pulled creditXX/XX/XXXX ( Didn't Know about this hard inquiry ) XXXX   XXXX pulled credit XX/XX/XXXX ( Did not authorize this ) XXXX XXXX pulled credit XX/XX/XXXX ( Did not authorize this ) XXXX XXXX XXXX  pulled credit XX/XX/XXXX ( Was told this wouldn't be a hard pull ) XXXX  pulled credit on XX/XX/XXXX ( Did not authorize this ) XXXX XXXX   XXXX pulled credit on XX/XX/XXXX ( Did not authorize this ) XXXX XXXX XXXX XXXX pulled credit on XX/XX/XXXX ( Did not authorize this ) I've tried calling, email and mailing! Phone calls get me nowhere, but told to call the credit agencies, which only tell you to call the company who did the hard pull! Emails get no response. And trying to mail request for removal of inquiries is hopeless.. the address are either old or XXXX XXXX Please help me resolve!
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT NUMBERS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602A STATE I HAVE THE RIGHTS TO PRIVATY.

15 U.S.C 1681 SECTION 604A SECTION 2 : IT ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Checking or savings account

Im a victim of a scammer who called me using the number of my bank, which I have been a member of for almost 15 years.

I was told to send a transaction using Zelle to initiate a fraud dispute, which ended up being a scam. My bank, which is USAA says there is nothing they can do. I have also filed a police report. 
I didnt notify the bank that I am still receiving calls using the banks phone number.
Product: Debt collection

USAA Credit Card Services notified my employer of 19 years, who as a result of the debt took legal action against me, terminating my employment. USAA Credit Card Services, made no attempt to contact me directly, before disclosing the debt to my employer, nor did they follow procedures to provide me the opportunity to validate the debt, before sensitive information was disclosed to my employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm reaching out about a previous dispute investigation concerning the XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I made Equifax aware that the date of first delinquency filed is missing and the compliance code has not been updated to indicate that this account is in dispute. Is the account delinquent? When did it become delinquent? The missing details are not compliant with the industry standard XXXX XXXX nor the Fair Credit Reporting Act and Equifax had over 30 days to correct this therefore it must be deleted.
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC continues to unlawfully use the US Postal Service to transmit unlawful correspondence to my address. I am uploading proof of the alternate and mistaken names along with written confirmation of Equifax Information Services LLCs knowledge of my correct full name. As you will see from the most recent mistaken variations of my name, it appears the errors were intentionally made. There is no lawful or legitimate reason for this activity, and a host of concerns have surfaced regarding Equifax, Equifax Information Services LLC, and their affiliates creation and use of intentionally defective names/identities. In view of the concerns that have surfaced, all correspondence omitting my suffix shall be returned to Equifax/Equifax Information Services LLC unopened without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : {$16000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXXXXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX FINA Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX FINA Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX  XXXX  XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX OF XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

10. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

11. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine.
Product: Credit card or prepaid card

I disputed a charge on my account with Chase or {$34.00} because the seller said they were going to refund me. The seller would not tell me when I was to be refunded. I kept asking and the seller would dodge the questions. Because it felt like a scam, I disputed the charge. The seller has no indicated that the charge has been refunded. I do not see it on my credit card. However, if the seller refunded my credit card, I want the disputed canceled. I am not looking to win a dispute when I get refunded. 
I would have provided this information on the website but they don't have a good way of contacting the disputes department at Chase and the best way to have my interaction documented is to go through CFPB.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never missed a payment and my account is not past due but XXXX  XXXX XXXX notified Transunion that I am. 

XXXX  XXXX XXXX NA # : XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX We investigated the information you disputed and updated : Balance ; Date Updated ; Past Due ; Rating. Here is how this item appears on your credit report following our investigation. 
Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Line of Credit Account Loan Type : HOME EQUITY LOAN Balance : {$31000.00} DateUpdated : XX/XX/XXXX Payment Received : {$300.00} Last Payment Made : : XX/XX/XXXX High Balance : {$36000.00} Credit Limit : {$57000.00} Past Due : > $ XXXX< Pay Status : >Account 60 Days Past Due Date< Terms : {$330.00} per month, paid Monthly >Maximum Delinquency of 60 days in XX/XX/XXXX and in XX/XX/XXXX for $ XXXX<
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes.
Product: Credit card

Capital one close my credit card account sometime around XXXX with a past due balance owed. On XX/XX/XXXX there was an interest charged of {$7.00}. On XX/XX/XXXX when I logged in it said I had an outstanding balance of {$290.00}. At which time I paid the complete outstanding balance. On XX/XX/XXXX an interest charge of {$6.00} was added to the account. Why? How? On a {$0.00} balance? If a balance is outstanding and its paid then it should be over and done with. Not knowing the interest charge being there they fixed a late payment fee of {$6.00} for the non payment of the interest, then an additional XXXX in interest. When I called they tell me even though I paid it off I must continue to pay interest for up to two more billing cycles. XXXX?? How am I still having to pay interest on a {$0.00} balance for an account thats closed? They never even reported to the credit bureau that the balance had been paid. What they did however do, was continue to report late payments and a balance of {$12.00}
Product: Credit card or prepaid card

I have used my points from Chase XXXX Rewards to book flights from XXXX XXXX, CA ( XXXX  ) to XXXX, HI ( XXXX  ) for my family of XXXX on XXXX XXXX. The total value of the booking was approximately {$2000.00} and the tickets claim to have no change fees, which is also confirmed on the airlines website. 

We tried to change our inbound flight, which was priced at {$560.00} for a new ticket on both the Chase XXXX Rewards and XXXX XXXX. When I contacted customer service to make the change the wanted to charge me over {$1000.00} per ticket. This was almost double the price of just booking a new ticket. 

I then inquired about cancelling the flight and having my points returned to their original account or a travel bank for future use with the airline, but they advised me that I would forfeit all my points, even though that is not the policy outlined on website or the confirmation email.
Product: Bank account or service

The bank charged off the amount owed and then turned around and sold my account to a third-party called Portfolio Recovery. They call numerous times per day at my office when I have asked them not to. They have told me repeatedly that they can not sue me, but they continue to harrass me about the monies that were charged off. I was told by my attorney when we filed bankruptcy that a charge off is like a bankruptcy, it will stay on my credit report for XXXX years but not to pay anything on it, this all happened about XXXX years ago when I filed bankruptcy and paid the XXXX for about 12 months and then had it dismissed. I am in good faith paying my bills off XXXX by XXXX, however, my attorney said to ignore any of the ones that were charged off that they are moot. Between health problems, marital problems, having to move XXXX different times in the last XXXX years I absolutely can not take the stress these calls cause me and have asked this company to cease and desist all phone calls to myself and my husband as they are very disruptive when they call us during work hours.
Product: Credit reporting or other personal consumer reports

Despite our previous seven attempts, I regret to inform you that these items still persist on my record. As we enter this attempt to address this matter, I want to emphasize the critical importance of rectifying these discrepancies promptly. The presence of fraudulent items undermines my financial credibility and poses significant challenges for my financial well-being and future credit opportunities. I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. I understand that addressing such issues may require time and effort, but I urge you to handle this matter with the diligence and attention it deserves. Your assistance in rectifying these discrepancies is crucial to ensuring the accuracy and integrity of my credit information. Please help me remove these items immediately : XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A collection agency named SCA just reported a {$120.00} collection account on my credit report. I had no contact from SCA in any way, before they blindly placed this account on my report. They are supposed to notify me, and give me 30 days to answer for it, before reporting this. However, they did not gave me that opportunity.
Product: Credit card or prepaid card

as many americans, my XXXX shopping last minute. so i decided to multi task so i ordered somethings online XXXX XXXX XXXX XXXX. its XXXX XXXX and do you think XXXX will deliver? they promised it be here and its not. so its still my right to get cash given but no exchange pf goods snd or services agreed on. 
no reason to wakd the XXXX XXXX XXXX est on XXXX XXXX am i wromg?
Product: Debt collection

This doesn't belong to me with these authorities/leasers. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.
Product: Debt collection

XXXX reporting a debt I had no knowledge of I was notify about a XXXX debt in my name I dont owe this company XXXX never reach out about this debt to me added it to my credit report I need full accounting for this about a contract or proof I owe this debt or remove it form my credit report,