23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XXXX I went on vacation to XXXX, to the city of XXXX, and bought a package with an agency called XXXX XXXX XXXX XXXX, and paid with my MasterCard credit card, XXXX charged me for services that I already paid for and the charges were very high, and the person who assisted me made a flight reservation without consulting me, which resulted in another charge to my Mastercard, the fraud committed by the XXXX XXXX XXXX XXXX, was more de XXXX dollars when I was in XXXX I contact Navy Federal Credit Union, to let them know what happened to me, but never get a response from them, when I return to the U.S. I called them and let them know about my dispute I send all the papers that I received from the XXXX XXXX, but my dispute was rejected according to them all the papers had to be translated into English, I translate the papers and still my dispute was denied. 

saying " All documentation translated to English. This is a requirement for the Credit Card XXXX Mastercard. '' The case will remain closed until the necessary documentation is provided. 

XXXX never answered my call they use the platform XXXX, since I was in XXXX XXXX never provided me with the proper documentation. 

Please I WILL SUBMIT TO YOU, ALL THE DOCUMENTS TRANSLATED TO ENGLISH FOR ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts on my credit report are NOT mine. I have never applied for OR authorized anyone to apply for these accounts. This is a violation and the accounts need to be deleted from my credit asap. I have tried to call the creditors myself to resolve the issue but they can not find any account under my social security number. I believe the credit bureaus are misreporting these accounts onto my credit report when it belongs to someone else. Please investigate immediately. 

Old Navy XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX, XXXX has sent numerous collectors to my residence ( one banging on my front door viewed via my Ring doorbell camera ). To my knowledge I received a bill and after that their agents came to my house. I emailed them a cease and desist letter to their email address XXXX on XX/XX/2019. They continue to send correspondence dated XX/XX/2019. 
They claim I owe {$4700.00}. I was never given an opportunity to dispute this debt.
Product: Credit reporting

Equifax has not removed a fraudulent hard hit from XXXX dated : XXXX XXXX, 2015. I have requested this removal several times. XXXX XXXX stated that they have submitted the request multiple times as well. 

Equifax , please remove this hard inquiry now.
Product: Vehicle loan or lease

Starting balance for XXXX XXXX vehicle was {$32000.00}. According to the Toyota sale contract, my interest rate is 6.99 %. XXXX was the first month I needed to make a payment in the amount of {$540.00} with {$320.00} going into principal payment and remaining into interest. I made two ( 2 ) additional principal-only payments in the amount of {$4900.00}. Payments for these two principal payments of {$4900.00} were posted on XXXX and XXXX. Toyota financial incorrectly added an interest fee on XXXX for the amount of {$5.00} and an additional interest fee for the 2nd payment on XXXX in the amount of {$4.00}. I had to call both times to have them correct the mistake of the interest charges which the entire dollar amount should have been towards the " principles only payment '' as I explained when I made the payments over the phone. 

According to a billing dept rep that I spoke to at Toyota financial, I should only be charged {$3.00} daily for interest. 

Base off my calculation, my current balance should be {$22000.00} not including the {$3.00} daily interest charge. 
My account history statement shows a starting balance of {$32000.00} on XX/XX/XXXX. I don't understand how my current balance is now {$22000.00} as of XX/XX/XXXX. If the daily interest fee of {$3.00} is applied daily, the total cost should not have went up too {$22000.00}, the calculations do not match. 
I have tried contacting toyota dealership for an explanation multiples times and have been unsuccessful.

I requested an amortization fee schedule to justify what hidden fees toyota is charging me and to explain the daily interest daily fee but have been unsuccessful in obtaining the document to break down the charges. The 3 times I requested the amortization fee schedule charges, they provided me with a cover letter only, not giving me a breakdown on what fees they are charging me for. 
It seems like they are overcharging me with hidden fees and no one is able to justify these charges at Toyota financial. 

Can someone please help me out. 
thank you, XXXX XXXX XXXX
Product: Debt collection

My student loans ( like several others I 've talked with ) have been an absolute nightmare with XXXX XXXX ( Navient ). I was led to believe I was getting a loan with deferment and no payments while in school, and since I was desperate and needed something to finish my last year XXXX. Lo an behold, they started calling me excessively, sometimes even 5 times a day asking for money I was told I would not owe, and as a result I 've never really been able to catch up ( although I do make payments when I can ). They have been unwilling to work with me on a plan to get my payments back on track 3 times that I have tried, and as a result the excessive call continue. They usually call from XXXX of XXXX numbers, and would usually leave voicemails until my inbox was full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

ACCOUNT NAME : XXXX XXXX, ACCOUNT NUMBER : XXXX, ACCOUNT WAS OPENED : XX/XX/XXXX, ACCOUNT BALANCE : {$1200.00}. 

ACCOUNT NAME : XXXX XXXX, ACCOUNT NUMBER : XXXX, ACCOUNT WAS OPENED : XX/XX/XXXX, ACCOUNT BALANCE : {$400.00}. 

ACCOUNT NAME : XXXX, ACCOUNT NUMBER : XXXX, ACCOUNT WAS OPENED : XX/XX/XXXX, ACCOUNT BALANCE : {$110.00}. 

ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT NUMBER : XXXX, ACCOUNT WAS OPENED : XX/XX/XXXX, ACCOUNT BALANCE : {$110.00}.
Product: Checking or savings account

For account number XXXX. 
I made 3 disputes for the same transaction ( XXXX, {$790.00} ). Each time the dispute was closed for reasons not relevant to the original issue. I resolved the issue myself with the merchant with a full refund. However, my complaint with USAA is that : 1 ) I believe USAA is closing complaints without investigating or reading complaints. Each time the complaint was closed with a reason that did not address the original issue. The first dispute was closed because they said a billing error had not ocurred. However my complaint had to do with the item not being recieved - I recieved it 2 months after the order. 
The second dispute was closed with an incorrect amount - I returned the item and never received a refund. They closed the dispute because they said they sent me a form that I did not recieve or was otherwise unaware that I recived. 
The third dispute was closed due to the timeframe having elapsed- however I had filed 2 previous complaints at this point. The fact that the merchant did not send me the item until after 60 days is not my fault. 
2 ) I asked USAA to create escalated complaints several times, however I a complaint was filed nor investigated as I asked to be contacted by a manager, which never happened.

3 ) I was offered to speak to the customer resolution team, however I was put on hold for 30 minutes. I hung up. This is poor customer service and is resulting in customer complaints not being heard. 
4 ) I called XXXX  myself and they refunded the money on XXXX XXXX XXXX

FYI, I am a bank regulator with the federal government ( although I am not involved with USAA in any way other than as a customer ), so I know how banks should operate.
Product: Checking or savings account

XXXX XXXX XXXX, Vice President, Head of Customer Relations XXXX XXXX, Senior Vice President, Head of Customer Experience This is in reply to a XX/XX/XXXX letter from XXXX XXXX XXXX, HSBC Vice President, Head of Customer Relations. I have attached a copy of that letter. 

1. The letter stated that the Share the Experience Bonus of {$100.00} was already credited to my account. This is incorrect. The {$100.00} promotional bonus posted on XXXX XXXX, XXXX to my account was, in fact, for a second referral, XXXX XXXX, and she likewise got her bonus already. I have verified this with XXXX XXXX from the HSBC XXXX Branch. 

2. The subject of my complaint has always been the first referral bonus. Contrary to your letter, the referral bonus for the account belonging to XXXX XXXX which was opened on XX/XX/XXXX, has never been paid and is way overdue ( promised within 8 weeks XX/XX/XXXX then ). You have yet to honor the terms of the XXXX promotion. 

3. The above letter stated that within 4 weeks ( by XX/XX/XXXX then ) a credit of {$250.00} will be posted to XXXX XXXX account. To this date, no credit has been posted. 

4. In your letter you included two telephone numbers where Customer Relations ( XXXX XXXX ) could be reached but nobody answers that phone and although the message states that somebody will call back by the end of the next business day, NOBODY calls back. I have called those numbers numerous times, leaving a message at all times but I was never called back. 

5. Also, I have sent emails to the email address you provided in your letter and again NO REPLY. 

I am beyond frustrated dealing with HSBC regarding this matter. Your prompt resolution of this matter is immensely lacking on your part. It has been one promised resolution date after another.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 attempted to purchase a new vehicle. When dealership ran credit check my score came back a XXXX. Contacted Transunion in regards to the XXXX credit score and they verified my information and then told me nothing was wrong. Would not provide me further information or give me what my score was so that I would be able to complete the loan application for the new vehicle.
Product: Checking or savings account

I have called chase bank several times about them over charging fees to my account the fees annually add up to over XXXX dollars. I have been a customer for years and this adds up to almost XXXX dollars. I rarely believe they are over charging me and taking most of my money. Currently
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice before my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly about the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA. Upon reviewing my consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

Listed below are the Collections that are being challenged : XXXX XXXX XXXX - XXXX My information was impacted by the XXXX XXXX breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

XXXX XXXX XXXX - XXXX My information was impacted by the XXXX XXXX breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

XXXX XXXX  - XXXX My information was impacted by the XXXX XXXX breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE!
Product: Credit reporting or other personal consumer reports

This is my follow up complaint, I sent a letter on XX/XX/XXXX to remove accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX
Product: Debt collection

Due to misrepresentation of services and fraudulent practices, we are stuck paying {$4900.00} lump sum in future monthl payments for a product we do n't use Due to misrepresentation, we were stuck in a 48 month contract that did not perform like promised. Now, we are expected to pay {$4900.00} up front. We started working with XXXX XXXX in XXXX 2015. XXXX XXXX promised in writing a 1 % rate on all CC transactions and 0 % debit card transactions. It was never disclosed that we would be working with another company ( XXXX XXXX ) We were also promised a XXXX machine that would be compatible with quickbooks for accounting purposes. We were sent a different model of key pad, but I did not complain since we were going to be saving at least 2.5 % ( 1.5 % more than promised in writing ) on all transactions. For the first few months, I noticed we were getting charged anywhere from 5 % to 9 %. After trying to get a hold of XXXX XXXX, I finally got a hold of XXXX XXXX of XXXX XXXX ( XXXX )? We had to settle for 2.5 % that she refunded for a few months. Then it became difficult to get a hold of her, and we were not receiving any refunds for being charged 9 times more the percentage than promised in writing. I finally faxed a termination/cancellation letter to XXXX asking that we cancel with XXXX, XXXX XXXX ( I had just learned that they were involved in the actual contract ), and any other companies involved. I stopped payment being taken out from any companies that I did not recognize through my bank because we were n't using their services. I get a letter from XXXX XXXX about an amount owed. I called back and told them that it was cancelled due to non-performance and misrepresentation. They said that it was impossible to cancel. I was reported to the credit bureaus for non payment on personal and business and chased down by Hunter Warfield for the remainder balance for a service that was misrepresented and lied about in writing. I need this to be taken off of my credit report and debt forgotten.
Product: Checking or savings account

A CHECKING ACCOUNT WAS OPENED AT FROST BANK AS A RESULT OF FRAUD ; IT WAS NOT I THAT OPENED THE ACCOUNT NOR AUTHORIZED IT. I FOUND OUT ABOUT THIS MATTER AFTER RECEIVING A LETTER IN THE MAIL FROM FROST BANK IN REGARDS TO ADDING OVERDRAFT PROTECTION TO THE FRAUD ACCOUNT. WHEN I CONTACTED FROST BANK, THEY DID NOT WANT TO PROVIDE ANY INFORMATION, BUT ADVISED THE ACCOUNT WOULD BE CLOSED, AND THEY WOULD PASS ALONG MY COMPLAINT TO THEIR FRAUD DEPARTMENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone got a credit card in my name without my consent I want to find out who did it and want them to go to jail it was from Capital One
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX My name is XXXX XXXX, I am not an attorney or a third party, I am filing a CFPB Complaint on my own behalf because it is my legal right to do so. I have some accounts that were reported as late during the COVID Pandemic Shut Down. I was told to file a dispute due to the fact we ( U.S. Consumers ) were under the protection OF the CARE ACT. The CARES Act protections require creditors to follow these guidelines for all agreements made between XX/XX/2020, through either XX/XX/2020, that allows for accommodations. The following accounts were reported as late XXXX XXXX XXXX  # XXXX COVID LATE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/2020, XXXX XXXX XXXX SERVICE # XXXX, XXXX XXXX XXXX XXXX XXXX COVID LATE, XXXX XXXX # XXXX XXXX XXXX  COVID LATE.XXXX Please remove the late pay status asap. My income was affected due to the Pandemic shutdown from COVID-19. 
I have some issues with unrecognized addresses on my credit file please delete remove the following addresses : XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA,XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX have inculed my id and mail for proof of address.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Equifaxs Failure to Validate Debt Dear Sir/Madam, I am writing to file a formal complaint against Equifax for their failure to properly validate debts as requested, which is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ). This complaint pertains to their response to my requests for validation of the following accounts : XXXX XXXX XXXX  Account Number XXXX, opened on XX/XX/XXXX, with an alleged debt of {$1300.00}. 
XXXX XXXX, Account XXXX XXXX, opened on XX/XX/XXXX, with an alleged debt of {$4100.00}. 
XXXX XXXX, Account XXXX XXXX, opened on XX/XX/XXXX, with an alleged debt of {$890.00}. 
On XX/XX/XXXX, I sent Equifax a detailed letter requesting validation for each of these debts, specifying the necessary documentation required for validation as per the FDCPA, including but not limited to complete payment history, proof of my identity, proof of debt ownership, proof that the debt has not been written off as a tax liability, and proof of notification prior to reporting the debt to credit bureaus. 

To date, Equifax has failed to provide the requested documentation for any of these accounts. Instead, their communication has been inadequate, lacking the necessary proof to validate the debts as legitimately mine and not meeting the standards set forth by the FDCPA and relevant case law, such as XXXX XXXX XXXX. 

This failure not only questions the legitimacy of the alleged debts but also impacts my credit report and score negatively without just cause. I have attached copies of my letters to Equifax and any correspondence received from them for your review. 

I respectfully request the CFPB to intervene and ensure that Equifax complies with the FDCPA requirements by either providing the requested validation for these debts or removing the entries from my credit report if they can not substantiate their claims. Furthermore, I seek assurance that my rights under the FDCPA are protected and that such oversights are addressed to prevent future harm to my creditworthiness. 

Thank you for your attention to this matter. I am eager to resolve this issue and look forward to your prompt response.
Product: Checking or savings account

I deposited my IRS check of {$8100.00} on XX/XX/year> in Truist bank in XXXX. I was told that there would be some available funds XXXX would be available immediately and the rest would be cleared within seven days. On the XXXX of XXXX, I went in to withdraw some funds and was told the account was closed due to suspicion of fraud. I called the fraud department and they informed me that they would have someone call me within two days. No one called. I went down to the bank and called several times approximately 10 times between calling and visiting the bank myself. I was told that they were still researching the check and waiting for a call from the IRS. I received one letter on XX/XX/XXXX explaining that they blocked my account. They did not give a reason I was informed on XX/XX/XXXX through mail that they blocked and closed my account it explains that they have the right to close it for any reason without advanced notice. I then received a deposit statement of XXXX  showing it was in an account sent to me when I went down to the bank with it. They said that I had been a victim of fraud and that the check was actually fraudulent after they spoke to the fraud department on the line With a bank representative and that there were no funds available at all. I wrote to the fraud department and asked for an explanation and a detailed timeline of events I never received an email back. I did however receive a phone call today, XX/XX/XXXX. She explained to me that it was not fraud. She doesnt know why they said that to me that they would be holding my funds in the vault until they heard from the IRS I am aware that the IRS is not call banks and verify things like this, I have begged for an explanation. This is left me in a very difficult situation. She then proceeded to tell me that they would call me when they heard from the IRS.