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

I received the below email regarding change of email address on this account I never opened up nor have any knowledge of. I called the number and was informed the account was placed on a block order per my request. The number raised my alertness as its requesting an SSN to verify your account. I didn't provide this but none-the less was advised the account will be blocked on their end. 

Dear Netspend Cardholder, This email is to notify you that your email address XXXX was changed to XXXX today through the Netspend Web site, XXXX. 


If you have any questions or concerns about this change, please contact us immediately at XXXX. 

We appreciate your business and look forward to serving you in the future. 

Sincerely, Netspend Customer Service Team This message was sent to you because of changes, updates, or transactional activity on your Netspend Prepaid Card account. Netspend is required to send you such notifications regardless of your unsubscribe status. Please do not reply to this message. 

E-mail XXXX XXXX XXXX intended for : XXXX. You may update your profile at XXXX  : XXXX 


Netspend Corporation XXXX. XXXX XXXX XXXX, TX XXXX
Product: Checking or savings account

I opened an American Express Business Checking account under a promotion ( https : //www.americanexpress.com/en-us/business/checking/ ) that would pay me XXXX points after opening, depositing {$5000.00} and maintaining that balance for 60 days, and doing 10 transactions. 

I completed all of the terms, but the points were never delivered. 

I want the company to honor the promotion and deliver the points, and additionally give me treble damages of an additional XXXX points as a result of their misleading, deceptive and predatory practices of offering rewards and incentives and not following thru even when customers complete all terms of the deal.
Product: Checking or savings account

I am have been a customer of Regions bank since XXXX. The bank has been charging me an analysis fee for the pass seven year for a service that I was not receiving. XX/XX/XXXX the fee was {$15.00} per month. XX/XX/XXXX the fee has increased to {$40.00} per month. 

I went into my local branch and talk to the branch manager. He told me the bank no longer provides this serves and he would put in a ticket concerning the monies withdraw from my account. The branch manager called me the following week with an update. He stated my account would not be charged an analysis fee any more and that the bank would be refunding me the last three months of the fee that were charged to my business account. 

On XX/XX/XXXX I sent the branch manager an email. Explaining my concerns of being charged the last seven years a fee for a service I was not receiving and I did not think it was fair for the bank to only refund me for three months. I receive no response to my email so I sent another one on XX/XX/XXXX still no response. 

I am a small minority business owner that was blessed to keep my business opened after the challenging times of the pandemic. Your assistance with this matter will be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX acct XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) In accordance with The Fair Credit Reporting Act, Public law 95-506, Title VI, Section 611, Subsection A-D, please provide the name and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
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 due 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 balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card

Dear representatives of The Consumer Financial Protection Bureau, I hope you are doing well in The State of Iowa. 
I 'm writing to you because I would like to request your helpful cooperation. I 'm experiencing some very serious difficulties with the Financial Institution " Citibank '' and their credit card " My Best Buy Signature Master Card ''. I have been so patient with them but I ca n't take my problems with this credit card company anymore. 
Last night, I called this credit card company for a fourth time. The person who I got on the phone when I called was very rude and not helpful with my situation. I had the same situation around 4 days ago when I called them to follow up. 
I believe I have also been discriminated by them because I 'm a foreigner. I was born in XXXX even I speak English very well but I have a little accent when I speak English. Some of their representatives sounded very prejudist and probably they are acting like this with me because I 'm a foreigner. 
I have also tried to respond to Miss XXXX XXXX message and letter, I called her telephone number that was provided in her letter sent to me several times and I have left several messages for her but she just does n't answer my voice messages to talk about this problem that we have about the XXXX certificates that were issued to me by the credit card company directly ( Not BestBuy ) XXXX certificate was for {$10.00} and another XXXX for {$5.00}. I have also called her telephone number that was displayed in my caller ID when she tried to call me on XX/XX/2016 but she did n't leave me a message when she called me. 
The company Best Buy also confirmed to me that was the credit card company who issued me these certificates and not Best Buy Rewards. 
Several customer service representatives promised me several times that a supervisor of The Citibank Office of the President was going to call me to address this issue. I was waiting for the phone call for many weeks. 
Every time I called them to follow up, they just answer me with excuses and more excuses. I got also many false promises that a manager of The Office of The President was going to call me but nobody called me. 
I do n't know why they say that they ca n't reach me. I always answer the phone or I call back if they leave me messages. I 'm a professional lawyer, interpreter and translator and I deserve to be treated with respect by the credit card company as a good customer that have been of her credit card company Best Buy Visa signature Card of Citibank All done concerning to this matter will be greatly appreciated. I will be glad to send you records of my phone calls that I made to them trying to reach XXXX XXXX XXXX. 
Thanks. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I became aware of late payment history associated with a student loan account on my credit report when I received a copy of my credit report in  XXXX   XXXX .  XXXX  and  XXXX  delinquencies were reported in  XXXX  and  XXXX  of  XXXX , respectively, by    XXXX   XXXX   XXXX   XXXX   ( "  XXXX  '' ).       An address change request was sent by U.S. Mail to loan servicer   XXXX   XXXX   XXXX  , LLC ( " UAS '' ) on   XXXX   XXXX   XXXX  4. The address information in the request pertaining to this account was not updated properly, resulting in account statements sent to an invalid address. Because the account was in deferral status at the time the change of address request was sent, no payment was expected or required . Statements for   XXXX   and   XXXX   XXXX   XXXX   indicating a payment amount due were sent to an invalid address. Thus, no payment was made for these  XXXX  months.     After extensive travel and upon learning of the matter, I personally ensured the correct address information was reported and all past due payments were made. Since then, the account status has remained current and in good standing. However, the credit report currently reflects negative late payment information caused by the  XXXX  failure to update address information per my request.     The credit reporting agency did not contact me to supply information related to this dispute. These errors should be removed from the credit report on both an inaccurate factual basis and goodwill grounds, due to the circumstances from which they arose.
Product: Debt collection

Saturday XX/XX/XXXXmy boyfriend received a threatening call from XX/XX/XXXX trying to collect on an XXXX account that I have. They said I need my attorney to contact them immediately regarding this matter. They have served me any papers and why are they leaving this information on someone else line stating my name clearly?? they have left the same threatening messages on more than several occasions on my phone as well.
Product: Credit reporting or other personal consumer reports

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, Experian, XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity theft, I submit the police report my ID, proof of address, government id, basically everything they require and they still have not remove inaccurate items from my credit, even with the XXXX cancellation of debt due to ID Theft. I do n't know how companies investigate, I do n't think they read the information they request or they do n't properly investigate. Please see previous complaint ID # XXXX, XXXX, XXXX. I have been emailing proof that. <P/>XXXX Loan # XXXX this account is not mine, and XXXX verifies with XXXX with XXXX, at XXXX on a verbal verification that this account is not being reported, that it should be deleted. Even when they did the verification over the phone and the account is still reporting on my credit. It 's a shame they do n't follow laws and they do whatever they want with people credit. Please see letter from XXXX attached. <P/>XXXX account XXXX That account is not mine, is Fraud. XXXX Account # XXXX That account is not mine is Fraud. XXXX 's Account # XXXX That account not mine is Fraud, XXXX 's sent me a XXXX a cancellation of debt. Please see attached. XXXX XXXX XXXX This account is not mine, it was fraud, I received a Cancellation of Debt for this account.
Product: Money transfer, virtual currency, or money service

1 am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. This account must be removed in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not block this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible SANTANDER CONSUMER U XXXXXXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the following account Consumer Portfolio Serv. Please investigate to ensure there is no fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$34000.00} XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Sir/Madam, I am writing to inform you that the information is accurate and must be reported to XXXX, TransUnion, and XXXX as part of my credit report.

I have included the necessary documents to verify my identity and the accuracy of this information. Additionally, I must report that I have been a victim of fraud. This situation necessitates the utmost vigilance in ensuring the integrity of my credit profile. 
Please confirm receipt of this correspondence and inform me of any further actions required to secure my credit information. 
Thank you for your prompt attention to this matter. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this XXXX XXXX XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed, however, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed. The account status is wrong and should be closed. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I want you to correct this misinformation on my file XXXX XXXX XXXX XXXX
Product: Mortgage

I pay my Mortgage through Ocwen. My payment is automatically withdrawn from my paycheck every two weeks. I 've called them once before and asked that my payments be applied to principal and they told me I could only apply a full payment to principal and that it would be done automatically once I had paid a full payment ahead. Currently on my statement it shows that my next mortgage payment is n't due until XX/XX/XXXX. Which means they are holding my money and making interest on it until it 's time to apply the funds to my account. I called in today and they guy said he would apply the payment ( approx XXXX XXXX from XX/XX/XXXX to principal, and that it would be done automatically going forward. But that is not good enough as Clearly I 've paid XX/XX/XXXX 's statement in full already, but they are n't applying it to principal. How do I get them to stop stealing money from me. Is there someone that the consumer can petition to get them to properly manage my account?
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. I did not authorize this account. I am a victim of identity theft. I sent Experian, XXXX, and XXXX my FTC report along with my License.
Product: Credit reporting or other personal consumer reports

My personal information was stolen during the Equifax data breach resulting in accounts being opened in my name destroying my credit and putting me in debt.
Product: Debt collection

On XX/XX/XXXX around XXXX my spouse was contacted by One Main Financial regarding an alleged debt. The company had contacted me numerous times and then seemingly stopped. However, the company again began contacting me and my wife constantly throughout the day, and before XXXX and after XXXX. I have requested they cease all attempts to contact me and they will not stop.
Product: Credit reporting

Requested fraud alert be removed, they removed it and reinserted it. I want it removed. XXXX XXXX XXXX account is still being reported, even though XXXX XXXX XXXX pulled it from collections and XXXX the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX, Transunion, XXXX XXXX has violated my rights. by reporting, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Bankruptcy chapter XXXX. AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States i have a right to privacy. 

15 U.S.C1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a accountant with out my written instructions
Product: Credit reporting or other personal consumer reports

XXXX XXXX  was removed off my report a year or 2 ago, it was an account that was opened under a fraudulent address email and other personal information as i was impacted in a data breach called XXXX data breach. This information is fraudulent and i have uploaded supporting documentation multiple times and there not giving me no response
Product: Credit reporting or other personal consumer reports

I recently discovered an account from XXXX XXXX XXXX XXXX on my credit report that I did not open or authorize. According to the information reported, the account was opened on XX/XX/XXXX, and is listed as " Collection/Charge-Off '' with a balance of {$0.00}. The date of last activity is reported as XX/XX/XXXX, and the account was last updated on XX/XX/XXXX. 

This account is the result of identity theft. I did not initiate or manage this account, and it has been reported inaccurately on my credit profile. Its presence has significantly impacted my ability to secure financing and has created unnecessary financial stress. 

I have not taken any action with XXXX XXXX XXXX XXXX directly to open or manage this account. However, I am disputing this account with the relevant credit bureaus ( XXXX, XXXX, and Equifax ) under the Fair Credit Reporting Act ( FCRA ).
Product: Mortgage

I own 2 homes. Historically I lived in one and had the other set up as investment property and rented it out. I am being transferred by my employer to within 20 minutes of my other house and have had no tenants since XXXX, so I was refinancing it to change it from investment property to a primary resident. With then the plan to either rent out or sell the home I have been living in. 
I provided the lender JW Wentworth with all of this information. I provided all of my paperwork to prove eligibility within 2 days. Several days later we were ask again to send in all of the same documents that we had provided. 
Both my husband and I have credit scores over 800 and income of over 200k. With no negative marks on our credit. This should have been an easy close mortgage. 
We agreed on a XXXX refinance at 3.75 % with no appraisal required as the home is worth over 600k. This loan was to be 30 years fixed and no points. 
When the federal reserve lowered the interest rate, we requested to use the option in our original documents and also requested a reduction. After a lot of stalling, the reduced the rate to XXXX %, still with no fees, no points and no appraisals. 

The loan came back from underwriting that we were fully approved for credit wise and house wise, except that they wanted us in the house before we would close it. As we wanted some cash out to finish a few repairs and to move, this was not really possible. We were told by the loan officer originally that a letter from my explaining the situation, a letter from my employer and proof that the homes were over 200 miles apart would be all that was needed to show that it was going to be a primary residence. All of this was provided in the original packet. We appealed this and sent in proof that we had already change the address on several accounts, at our bank etc. 
The appeal came back that we needed to list it as a 2nd home and they could approve us. We were told that nothing would change in the terms. 
After another 4 days. we were called and told that we would now need a full appraisal and the terms would be changes since this was different. 
This has put us in an awful position as we clearly told them from the beginning that we need this loan closed before XX/XX/31. We will now be starting completely over with a different lender.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX XX/XX/year> Midland Credit Management XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX RE : XXXX Dear Midland Credit Management, I am writing to formally dispute the validity of the charged-off debt listed under the account number XXXX in the amount of {$400.00}. After reviewing my credit report, I noticed this account was reported, and I would like to ensure the information being reported is accurate and in compliance with federal laws. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting validation of the debt. Specifically, I ask for : 1. Documentation proving that I owe this debt, including a breakdown of the original amount, interest, and any fees applied. 
2. Proof that you are legally authorized to collect on this debt.

3. Evidence showing the account is not past the statute of limitations for collection in my state.

Furthermore, since this charge-off is under {$600.00}, no 1099-C ( Cancellation of Debt form ) has been issued. Therefore, I also request clarification of how this account is being handled and reported in compliance with IRS regulations. 

If you are unable to provide proper validation of this debt, I respectfully request that the account be removed from my credit report and that no further collection efforts be made. 

Please respond to this dispute in writing within 30 days of receiving this letter. Until proper validation is provided, I will consider this matter unresolved. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX