23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called American Express seven times explaining that I can't make my monthly payments due to hardships from COVID-19. But I seem I don't have a voice because I can't pay my bill on time. The stress from American Express is so bad I am having panic attacks. Maybe if I drop dead then my problem will go away. Account Ending XXXX Past Due Amount : {$6000.00} and Account Ending XXXX Past Due Amount : {$780.00} on the second account. 

Any help would be nice. 


XXXX XXXX
Product: Mortgage

Clear Recon Corp initiated illegal nonjudicial Foreclosure against me on XX/XX/XXXX but Clear Recon Corp can not foreclose nonjudicially on a federally backed mortgage because its governed by federal law : XXXX XXXX Clear Recon Corp ( XXXX ) : A California appeals court ruled that Clear Recon Corp., as a foreclosure trustee, had no authority to conduct a nonjudicial foreclosure on a federally backed mortgage. The court found that the mortgage was governed by federal law, which preempted California 's nonjudicial foreclosure statute.
Product: Vehicle loan or lease

Dates around XXXX Fees including interest rates and credit reporting were inaccurate. We sold the vehicle to get away from Wells Fargo auto.
Product: Bank account or service

XX/XX/2015 I open a bank account at arvest bank in XXXX, oklahoma I feel that I was over charge for overdraft fees. The bank also told what amount I had in my bank account to a pastor who claim that I belong to his church and I only visit this persons church one time. I feel that arvest bank had no right to treat me like that.
Product: Mortgage

Date Amount To Whom Confirmation # XXXX. 
XX/XX/XXXX {$2000.00} XXXX | principal only Payment not transferred to SLS. Send message in SLS portal to inquire and email to XXXX at XXXX. XXXX website not working on XXXX XX/XX/XXXX {$1700.00} SLS for XXXX payment XXXX XX/XX/XXXX {$1800.00} SLS payment for XXXX XXXX XX/XX/XXXX {$1800.00} SLS Payment for XXXX XXXX XX/XX/XXXX {$1800.00} SLS Payment XXXX XXXX XX/XX/XXXX {$1800.00} SLS Payment XXXX XXXX XX/XX/XXXX {$1800.00} SLS Payment XXXX XXXX XX/XX/XXXX {$1800.00} SLS Payment XXXX XXXX XX/XX/XXXX {$1800.00} ShellPoint XXXX Payment XXXX Total Payments = {$16000.00} My " new dashboard '' continues to not reflect accurate information and the provider has indicated " they do not have the information ''. 

Dashboard only represents about {$11.00}, XXXX worth of payments made.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX # XXXX XX/XX/XXXX -- {$1600.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1400.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1600.00}
Product: Credit reporting or other personal consumer reports

I've submitted my dispute and didn't attached my report, I am asking that you forgive me for submitting twice. But please allow me another chance to review my complaint carefully. My identity was stolen and i need this complaint investigated immediately. Thank you for understanding, XXXX XXXX.
Product: Debt collection

I paid a judgment XXXX from beneficial finance served by XXXX and XXXX. this was the amount specified on he judgement from XX/XX/2010. However I have recently been servied a garnishment summons for interest in the amount of XXXX I am disputing this a d asking for verication of this debt
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees despite having insufficient funds. This issue aligns with the recent cfpd findings against navy federal for similar practices where transactions settled within insufficient balance despite initially available funds i believe these practices are unfair and request a investigation into my account transactions
Product: Checking or savings account

Over the past few weeks, I have encountered a series of unauthorized transactions totaling over {$7000.00} from multiple merchants. 

Initially, I filed a dispute with XXXX, the payment platform through which these transactions occurred. However, XXXX denied my claim, citing that the seller provided information indicating I had authorized these transactions. They mentioned that the seller referenced IP matching as evidence of my authorization, despite the fact that I did not receive any goods or services from them. 

In light of XXXXXXXX XXXX denial, I escalated the issue by filing a dispute with Chase Bank, my credit card issuer. To my surprise, Chase also denied my claim, explaining that XXXX, the card network, had conducted an investigation and concluded that I had indeed authorized these transactions. This decision was perplexing, given the numerous unauthorized charges involved. 

The situation has now become extremely frustrating and financially burdensome, as I am left with over XXXX transactions, each ranging from {$1.00} to {$99.00}, that I neither authorized nor received any benefits from. What compounds my concern is the apparent circular referral process, with XXXX pointing to the bank, the bank to XXXX, and XXXX directing me back to the bank. I find myself stuck in a disheartening loop of unresolved issues. 

I am reaching out to you in the hope of finding a resolution to this matter. These unauthorized charges have not only affected my financial well-being but have also eroded my trust in the security of online transactions. 

I kindly request your assistance in investigating and rectifying these unauthorized charges. Any guidance or support you can provide to help resolve this situation would be greatly appreciated. 

Please let me know the steps we can take to address this issue promptly. I can provide any necessary documentation or information required to assist with the investigation.
Product: Debt collection

This account was sent to collections without my knowledge. I received a notification from XXXX about a collections account that I know nothing of. I never received notification nor had I any knowledge of any debt accrued by the company listed. I dont even know what I was being charged for by the company. Its not only fraudulent, but definitely a misuse of my information.
Product: Credit reporting, credit repair services, 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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, *Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and saw a very very very old account from XXXX XXXX XXXX as a charge off on my credit reports from EXPERIAN AND XXXX - XXXX did not!!! this account been closed and settle since 2016!!! i never ever received any legal communication, correspondences from them all these years! they greatly damaged my credit worthiness! 

there is no apparent evidence of agreement! I definitely never been informed nor understand why this is reported wrongfully on my credit! its insane to me that credit reporting agency who are supposed to protect our privacy and rights don't even check if the info is correct or verify anything and just put it on my credit! I sent letters to EXPERIAN credit bureau via XXXX mail # XXXX, XXXX XXXX mail # XXXX and to XXXX via XXXX mail # XXXX and also filed a CFPB complaint # XXXX to demand them to rectify immediately this fraudulent reporting and incorrect reporting. 

I need this fraudulent closed account and reporting to immediately be removed from my credit report!!! it is clearly a full violation of my consumer rights. 

thank you for your help with this urgent matter.
Product: Checking or savings account

A business checking account was opened at US Bank under my name at the end of XXXX. Initially, a deposit of {$7000.00} was made from one of my XXXX accounts upon opening and everything was fine. Subsequently, I made two additional deposits of {$2500.00} each ( total of {$5000.00} ) from another XXXX account that I own within a week. US Bank then sent me a letter on XX/XX/2023 stating that my new Business account has suspected irregular activity and decided that my account will be closed and I would get my money back within 15 business days upon verifications. 

Today is XX/XX/2023 and I still have not received my money back, despite numerous inquiries with the branch manager and providing proof that the entire amount of {$12000.00} from three different deposits ( {$7000.00}, {$2500.00}, {$2500.00} ) came from my personal XXXX bank accounts. All three deposits were cleared in late XXXX XXXX as indicated by my own XXXX account statements
Product: Credit reporting

I properly requested via XXXX ( attached ) the method of verification Experian used to verify a disputed tradeline on my report. Not only did Experian not share information pertaining to my disputed tradeline as required by FCRA 611 ( a ) ( 6 ) ( b ) ( iii ) but they did not include the business name, address, or telephone number of any furnisher of information contacted in connection with such information. Without this information, there is nothing for me to be able to use to verify this invalid tradeline.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I mailed a first-class letter to Experian Information Services Stating I had found the following items to be in error reporting on my credit report, requesting they be removed under Consumer Laws that were relevant to my situation. They did not respond to me with any positive news in fact they told me they thought I had help with my dispute from a credit repair company ( which in all cases would not be illegal ) They asked me to go into the Experian website to dispute anything I needed. A letter I believe was sent to waste my time. I had attached a insurance Bill with my name and current address, A Drivers License even a copy of my Social Security card. All in color. Legible and Clear. 

A Balance for a XXXX XXXX was {$240.00} XXXX- Account opened in XXXX Still reporting unpaid- XXXX Incorrectly Reporting late payments For XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX I also have also Sent Certified Letters to Experian as well XXXX. 
No Response was sent me to as I requested. 
I sent another set of certified letters to Experian on XX/XX/XXXX and have not received any type of update on any one of the Errors I have tried bringing to their attention. I have spent hours of my time both on trying to correct the Errors Reporting and the misuse of my credit report. I have spent money on sending letters to them both first-class mail as well as certified mail. I feel I am getting taken advantage of. It's become extremely stressful and time consuming. I truly hope I can get someone to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEVER lived in South Carolina, nor do I know anyone at the address that appeared on my credit report. I do n't even know where this place is, nor have I ever traveled there. How did it get on my credit report as one of my addresses? Also, XXXX XXXX, 2016 ( about the time I noticed a South Carolina address on my credit report ) some company from Texas pulled my credit WITHOUT my permission, nor do I know what they are. It states on my credit report SARMA for XXXX XXXX. Please investigate both of these items and remove them asap.

In addition, XXXX XXXX XXXX is reporting two unpaid medical debts for my XXXX XXXX year old son on MY credit report! Please get this removed from my report asap.
Product: Credit card or prepaid card

Dear sir / madam, In XXXX this year, I opened a PayPal Mastercard account with Synchrony Bank. This resulted in a " hard '' check to my credit report, after which the card was approved. 

However, when I received the actual card, I could not activate it because of some technical glitch with the confirmation message system on Synchrony 's side. I received no further communication from Synchrony bank whatsoever. Due to the COVID pandemic, I was not able to follow up with the bank immediately. 

Subsequently I received a letter, dated XX/XX/XXXX, informing me that the account has been closed due to " restriction for suspected unauthorized use [ and ] subsequent inactivity in this account. '' No attempt was made by Synchrony bank to notify me of the upcoming closure. There were no charges on the account and the account was not delinquent. 

When I attempted to contact Synchrony directly to reopen the account, I was informed that it could not be reopened without a further credit check and is deemed " high risk ''. No reasons for deeming it " high risk '' were provided ( for context, I have excellent credit ).
Product: Credit reporting or other personal consumer reports

Formal Complaint Against XXXX XXXX XXXX  for FCRA Violations I am filing this formal complaint against I Think Financial and the credit reporting agencies for violating the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate and misleading information on my credit profile. 

The accounts in question are Account Number XXXX and XXXX, which currently shows a highest balance of {$3500.00} and {$26000.00}, each one, respectively, were last updated in XX/XX/year> with a status of XXXX through XXXX XXXX  XXXX and Never Late. Despite this, the account remains on my credit report, negatively impacting my ability to secure financing for a vehicle or home. 

Violations of the FCRA & Consumer Laws : Incorrect Reporting of Balance ( FCRA 1681s-2 ) These account still reflects a balance of {$3500.00} and {$26000.00} despite being discharged in XXXX XXXX XXXX Per FCRA and bankruptcy discharge laws, a discharged account must report a {$0.00} balance. 
Obsolete Information ( FCRA 1681c ( a ) ( 1 ) ) Negative accounts can only remain for XXXX  years from the Date of First Delinquency ( DOFD ). If this account exceeds that timeframe, it must be removed immediately. 
Failure to Report Accurate & Up-to-Date Information ( FCRA 1681e ( b ), 1681s-2 ( a ) ) The last update was in XX/XX/year>, which indicates failure to properly report the bankruptcy discharge status and correct the balance to {$0.00}. 
Misleading & Unverifiable Information ( FCRA 611, 1681i ) The account status states Never Late while still negatively impacting my credit report. This is misleading and violates the accuracy requirements under the FCRA. 
If the furnisher can not provide complete and verifiable proof of the accuracy of this reporting, the account must be deleted immediately. 

Sincerely, XXXX XXXX
Product: Credit card

I have been trying to access a website to convert my Capital One points that has taken me few years to collect, to XXXX XXXX ( XXXX ). To access this reward site, there is a 2 Step Verification step that fails to send me a text to verify my number. It gives an error and there is no alternative way, such as a call back or email for verification. 
It is the exact issue mentioned in this article : " Broken Capital One XXXX Locking Up Points '' https : XXXX Many people have been having the same problem for months and it has not been addressed. 
I have contacted Capital One but were told that there is not much they can do and I should just wait! 
I have had my phone number for years and I have had this Capital One credit card for several years. I have not had this problem before. Looks like their new verification system is denying access to some people with no solution!
Product: Credit card

In XXXX a XXXX XXXX credit card was opened fraudulently in my name with Wells Fargo. When I finally realized this account, it was completely maxed out and reporting as a charged off account. This was and still is hurting my credit score with all 3 major credit bureaus. I have been disputing this account with Wells Fargo since then with no luck even with a police report that I provided to them and added to my credit file with XXXX XXXX XXXX XXXX  as well as a fraud alert for future security so that creditors and I can make sure that it is in fact me applying for credit. Recently, I opened a credit card financed thru Wells Fargo, went thru the verification process identifying myself with security questions and was approved. One month after, I tried using that card and was declined. When I called to ask why my card was not working, a rep told me that my card was completely closed due to identity theft. After being transferred to over 5 different people, I was told that this card was opened fraudulently and they would not reopen this account. I explained what happened to me in XXXX  when an account was actually opened fraudulently and this was a mistake because I went thru the steps to identity myself to attain this card. Wells Fargo said there was nothing they could do but now I am blocked from ever getting approved financed from them going forward. The actual fraudulent credit card is still reporting negatively. They closed a legitimate card for no reason however kept reporting the fraudulent card. I have had a mortgage account in excellent status for over 12 years and was a part of the class action suit Wells Fargo was involved in regarding their employees opening fake accounts so this is unbelievable to me. Remove this account immediately from my credit file
Product: Checking or savings account

I'm trying to transfer my funds out of robinhood because I have documentation of them consistently defrauding me as part of their ongoing business operations. They are now lying to me about ACAT limitations and lying to the receiving bank about the number of shares in my account. When I connect with XXXX only my spending account is shown, but I can not connect my brokerage account. 

Robinhood is holding my funds hostage and continuing to charge me fees, even though they have defrauded me and are in violation of their terms of service.
Product: Credit card

I applied for a Barclaycard Arrival Plus Mastercard using my legal name on the application. Barclay could not give instant approval and communicated that the application was being processed. I did not receive any other communications or a request for additional information from Barclay. A card issued to my maiden name ( no longer my legal name, and never used on the application ) was delivered to me two days later ; I contacted Barclay to close account due to their inability to process my application accurately and my concern over their misuse of my information. When I contacted customer service I was never notified of any posted charges ( I contacted customer service the day after the card was received and had not set up an account online or activated the card ) and the account was closed. When I asked for confirmation that there was a XXXX balance on the closed account the customer service representative informed me there was a {$15.00} balance on the account for expediting the card. I asked for the fee to be reversed since the card was not issued correctly and the account was not set up using my legal name. The customer service representative said they were not able to waive the fee, and said they would submit my request for escalation.
Product: Credit reporting or other personal consumer reports

My personal information was compromised during years of XXXX XXXX. I am now accessing my credit report to report items that are not mine.
Product: Debt collection

I received a copy of my credit report and information is listed incorrectly, I do not have any agreement with nor have I ever had a contract with LVNV Funding LLC Account Number XXXX This collection account is reporting OPEN, but also shows a balance of XXXX. According to the FCRA, I have the right to an accurate credit report. Please remove the account immediately from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite numerous attempts to resolve the issue with these extortionists they refuse to provide me with adequate proof required under law that the debt actually belongs to me. First and foremost at the time of the alleged debt I was fully insured by XXXX XXXX and had no debt owed to any hospital as far as I know. I have asked memories times for Proof since my wallet had been taken that year, a report made with the police and was fully employed and insured at the time of the alleged debt. 

Experian must honor there non compliance issues by following the law as well. If the can send me my signature on the paperwork that outlines the debt I would be happy to let it go. I have moved since then and had received nothing on the mail to constitute the recited bad payment history as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report on Equifax regularly and have an account with this bureau on its website. My credit report online with Equifax shows incorrect informaiton on my XXXX XXXX credit account XXXX Two late payments on the Equifax credit report show as 60 days late. The dates of the XXXX late payments are XX/XX/XXXX and XX/XX/XXXX. Before an account can be reported 60 days late it would have to be 30 days late the previous month. The months prior to XX/XX/XXXX and XX/XX/XXXX show the account in order. This account has been opened for over 5 years now and reporting to Equifax. 

I had disputed this account and late payment reporting previously with Equifax on several occasions but nothing is getting fixed.
Product: Debt collection

Have to keep disputing the matter XXXX XXXX And XXXX it's from Speedy Cash back in 2013 still on my records with them
Product: Money transfer, virtual currency, or money service

HELLO IM XXXX XXXX XXXX, I WANT TO REPORT PAYPAL COMPANY FOR TOOKING AND STEALING MY MONEY WORTH XXXX AND THEY KEEP TELLING THAT I HAVE MULTIPLE ACCOUNT JUST THAT VIOLATE THERE POLICY EVEN THOUGH IM ONLY USING XXXX PAYPAL ACCOUNT I HOPE YOU HELP ME TO THIS PROBLEM BECAUSE THAT MONEY IS FOR MY MOTHERS MEDICATION THEY RESTRICTED PERMANENT LIMIT MY ACCOUNT LAST XX/XX/XXXX AND THEY SAID I WILL GET MY MONEY AFTER 180 DAYS AND THEN LAST XX/XX/XXXX THEY TOOK MY XXXX USD ON MY ACCOUNT AND KEEP TELLING I HAVE DISPUTE EVEN THOUGH I ONLY ACCEPTING MONEY FROM MY FAMILY MEMBERS HOPE YOU HELP ME BECAUSE MY MOTHERS REALLY NEED THAT FUNDS FOR HER MEDICATION AND ITS NOT FAIR THAT PAYPAL COMPANY POWER TRIPPING TO THERE PAYPAL CONSUMER I CHECKED OVER INTERNET AND THEY DOING THIS TO MANY PAYPAL USERS IF WE DIDNT STOP THIS THEY WILL CONTINUE TO STEAL MONEY TO A POOR PAYPAL USERS HOPE YOU HELP ME IM BEGGING TO REIMBURSE MY MONEY BACK PAYPAL COMPANY THEY ARE LICENSED TO STEAL MONEY OF THERE CONSUMERS... 

TRANSACTION ID : XXXX AMOUNT PAYPAL STEAL ON MY ACCOUNT : XXXX THIS IS THE LINK I SEARCH OVER INTERNET THAT THEY REALLY STEALING MONEY OF THERE PAYPAL XXXX XXXX XXXX XXXXXXXX