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

I gad a navy federal credit card the payments were being made through my business account. I raised the monthly payments up to {$300.00} per month to pay the card off. 
After a year or so months. I called to see what my balance was they told me it was XXXX something. I went to the Navy federal branch in XXXX Tx asked for a copy of my statement. I saw several items that were fraudulent. I was told to call the credit card department. I called them and express my concerns or the fraudulent items. I was told that they were over 60 to 90 days old that I had to pay them. I explained to them that they were that age due to me having never receiving a statement. I was told they send statements out every month. I asked them where were they sending the statements. 
Since I was paying through my business and lots of cash was being made I never gave them a place to send statements. When they checked she agreed with me that they didn't anywhere that they could have been sending the statements. They then asked what was my address so they could send me a paper to sign to dispute. But in actually they were using it to confirm with the credit bureaus that it was legit. I continued to pay what I knew that I used which was {$4800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$8600.00} XXXX XXXX XXXX XXXX Balance : {$4000.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX : {$230.00}.
Product: Credit reporting

XXXX or experian has me listed as having stayed at XXXX XXXX in XXXX. I never lived there.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX placed an inquiry on the credit report on XX/XX/year> do not recognize or permit to do so this is fraudulent
Product: Checking or savings account

I received an email this morning, XX/XX/XXXX, from Discover that my account access had been suspended due to unusual activity so I called them to verify anything I needed to. I was then told that my account had been closed by Discover on XX/XX/XXXX due to business reasons but could not be provided any specific reason. I was asked to verify a check that I had deposited on XX/XX/XXXX from my place of work but was still told that my account was closed and there was nothing that could be done. I was also told that I can not access the account nor can I withdraw my money. They said I should get a check for the balance in 60-90 days but thats all the money I have. Why should they be able to hold my money for 2-3 months? I asked to speak with a supervisor and was told that none were available and that ended my call. That money is quite literally my livelihood, I have no way to pay bills or anything now because of this. And nothing was proven to be fraudulent in the account, it was just closed without reason and without me being able to verify anything.
Product: Debt collection

To whom may Concern The XXXX reference number is XXXX amount of {$700.00}. 

I have no knowledge of this account from XXXX XXXX. I request that you please verify the following information to assist identifying whether this debt is valid : The account was first reported XX/XX/XXXX. 

On the following dates of XX/XX/XXXX the account was closed from my XXXX credit report and then added again. 

Also on XX/XX/XXXX the account was again removed from my credit report then added back again. Screenshots added. 


If XXXX XXXX XXXX is unable to provide the above identifying account information I will have no recourse but to presume the debt invalid and/or fraudulent and request account deletion from all credit reporting agencies without further discussion of payment in full or partial settlement. 

This is my attempt to verify the validity of this alleged debt and I appreciate your transparency and cooperation.
Product: Credit reporting or other personal consumer reports

I recently seen my credit report and didn't recognize some of these accounts was on my report. I think these accounts are fraudulent and I have know knowledge of ever applying with these companies please remove all Inquires that doesn't belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please I ask that these companies Remove these items TOMORROW Because from my understanding that these reporting agencies by law are supposed to report accurate and factual Information to my report.
Product: Credit card or prepaid card

On XX/XX/XXXX I received a refund from XXXX credited back to my card for XXXX. It has been almost two months and XXXX has stated that the amount was sent to the bank and Bank of America will not look into it. I have called and they open and then closed the dispute
Product: Credit reporting or other personal consumer reports

I did not consent to, authorize nor benefit from any of the following inquiries or account. Block and remove them. Please remove all fraudulent inaccurate accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breaches/ identity theft. All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigated is over.
Product: Money transfer, virtual currency, or money service

The redemption request on Gemini Earn account is overdue and company is not responding to address this dire situation. Gemini Earn was a daily interest paying account for GUSD ( Gemini USD virtual currency ) that promised it will let the account holder redeem the balance anytime and money will be available within 5 business days. I requested redemption on XX/XX/2022 and due date for funds to be available was XX/XX/2022. Today is XX/XX/2022 and there is no sign of money being available to withdraw.
Product: Vehicle loan or lease

Hello I purchase a vehicle from Santander USA back in 2015 for XXXX which total to around XXXX I still owe almost XXXX seven years later my payments are XXXX a month my credit score was XXXX when I got the loan I needed this vehicle for work even tho I knew the payments were high I still needed transportation over the years i made a total of 11 late payments which over the 6 or 7 years Im aware of the class action lawsuit with Santander I wrote to this company trying to get the late payments removed and they keep saying verified I feeling need to have some if not all removed Santander is destroying my credit with the late ayments that they are currently reporting I need help in this matter my payments have been current and on time please help thanks.
Product: Credit reporting or other personal consumer reports

I filed a credit freeze for my minor son at Experian. I received confirmation that the credit freeze had been put in place by mail on XX/XX/XXXX. However, the minor 's name on the report was spelled incorrectly. I have tried calling Experian multiple times to correct this error, but their automated reply system is unable to help and unable to direct me to a live person. If I try to submit a dispute online, I am unable to do so on behalf of my son because the website recognizes his birthday as that of a minor 's and prevents me from making any changes on my own. They have made it impossible for me to correct his information through a phone call, mail, or a website. Please help me resolve this ASAP to avoid further incorrect information being added to his credit.
Product: Debt collection

I have a debt collection recently added to my account, but I do not know what it is. I contacted the collection agency and the information they provided is not mine. The first time I heard about this debt was when I saw it on my credit report. I disputed this with the credit bureaus and XXXX  denied the claim whereas XXXX  removed it from my credit report. 

COMMONWEALTH FINANCIAL SYSTEMS Account Name Collection Account Type Individual Responsibility XX/XX/2018 Date Opened Collection account. {$710.00} past due as of XX/XX/2018.
Product: Credit reporting or other personal consumer reports

Im writing because Ive come across a credit inquiry on my report that is absolutely fraudulentit was never authorized or made by me. This is a serious issue, and I need it addressed right away.
Product: Checking or savings account

Chime closed my account because of deposit reason said I violated the deposit agreement and I have not violated any agreement they made a mistake onu account because no one deposited any money into my account besides my employer and me reloading money thru XXXX there has not been any others ways that money was deposited money into that accounts they say I'm not XXXX any refund money from that account
Product: Credit reporting, credit repair services, or other personal consumer reports

I went into XXXX and ordered a deep freezer. When I received the freezer, I took it home and opened the box. Only to see that entire top portion was smashed, like it had been dropped from a really high place. I returned the freezer the very next day and a manager inspected the freezer and determined that it was damaged prior to being shipped to their store for pickup. I cancelled my order because I know longer needed a freezer and was reassured that everything was closed out. A month later I see that they have put this item on my credit report with a 30 day late payment reported. I called went into the storeroom find out why Im being reported when I dont have an open account or merchandise for them. They immediately agreed to remove the negative mark and that XXXX  account from my credit report. Via email and printed paperwork. The item is still not removed and is hurting my score tremendously.
Product: Checking or savings account

have and accoung with coinbase to buy and sell bitcoin. on XX/XX/XXXX was my last transaction on XX/XX/XXXX I got notice that my account had been changed. I did not do this I call the XXXX number and suposidly locked the account but not before XXXX in coin had been stolen t then my bank account was hit with another XXXX and XXXX and they found one earlier in the month for anther XXXX was with drawn from my account without my permission. now they are saying I owe them XXXX or more in funds that I barrowed from them on the XXXX or XXXX to buy more crypto. this is not right I have been sending emails regular since XX/XX/XXXX but they now refuse to even answer them saying I owe them money. can you please help
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> Subject : Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) I am submitting this complaint regarding violations of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) by Transunion Despite my previous correspondence, which requested the removal of the above-mentioned account due to inaccuracies and failure to validate the information as required by law, Transunion has not conducted a proper investigation nor provided the required documentation.

Reasons for Complaint : 1. Violation of the FCRA : o Investigation Requirements ( 15 U.S.C. 1681i ) : Your verification response did not include a sufficient description of the investigation process, as required by the FCRA. You failed to adhere to the obligation to provide a thorough and detailed account of the steps taken to verify the information.

o Permissible Purposes ( 15 U.S.C. 1681b ( 2 ) ) : The information provided did not comply with the permissible purposes outlined in the FCRA. The verification process failed to meet the established standards for handling and repo
rting information.

o Privacy Rights ( 15 U.S.C. 1681a ( 4 ) ) : The continued inclusion of this bankruptcy record and associated accounts infringes upon my privacy rights. The failure to follow appropriate procedures for handling sensitive information constitutes a violation of this section.

o Description of Investigation ( 15 U.S.C. 1681i ( 7 ) ) : Credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a dispute. To date, I have not received this required information.

o Invocation of 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) (
2 ) : I am invoking these provisions to request the removal of this account and to demand proof of its verification. The failure to complete this verification constitutes an abuse of my rights.

2. Violation of the TILA : o Disclosure Requirements : Transunion failed to provide accurate and timely disclosures regarding the account status, breaching the TILA requirements.

3. Federal Consumer Protections : o Title 15, Chapter 41 : The failure to provide adequate proof and the apparent disregard for my rights under the FCRA indicate a violation of federal consumer protection laws.

o Public Law 91-506, Title VI, Section 611, Subsections A-D : This law stipulates the procedures for the removal of inaccurate or incomplete information from credit reports. The response and verification process did not comply with these provisions, necessitating the removal of the bankruptcy record. 

Immediate Action Requested : Delete Immediately for Violations of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Present below the inaccurate information persistently affecting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX  and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX  XXXX, XXXX XXXX Company Inquiry : US SM BUS ADMIN ODA
Product: Credit card or prepaid card

Capital One Platinum and Capital one quicksilver charged interest on {$0.00} balance. The rep said had I paid off balance before XX/XX/2020 it would not have charged interest. I paid balance off on XX/XX/2020 10 day before the statement was even available. The amounts charged on XXXX balance were {$46.00} and {$17.00}. I have since closed my accounts because I did not want to risk being charged interest on interest charges. Both of these cards did not have a monthly or annual fee. I would just like the money back that is not legally owed to them for a XXXX balance.
Product: Debt collection

I have attempted to contact this debt collection agency via the web and by phone XXXX times in the last XXXX days and can never reach a soul ... .. when I try to go online to access the debt acct they say is mine it always redirects and then crashes. Is this even a real debt collector?
Product: Credit card or prepaid card

I paid off my credit card with Bank of America # XXXX, and they charge twice the payment my checking account was with over draft after that I saw that they fix the issue and I also want to see reflected my payment in other to fix my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried for the past 3 years to get my credit report from Equifax. Everytime they say I do not have a file in my name. How can your credit file automatically just dissapear like if it never existed. I have called them numerous times and they continue to say my file is not on record. They cant find my name, my social security number, nothing. Why if I had a report before they can not find any report in my name or under my ss number? It just dont dissapear. Please help me
Product: Checking or savings account

Citi is not calculating my interest correctly. I switched my account to a " Citi Accelerate ' account with a ~2.4 %  interest rate. I live in XXXX and am eligible for this account per the representative i talked to in XX/XX/XXXX. For whatever reason since my account was open 15yrs ago in XXXX, I am not eligible for the higher rate.
Product: Debt collection

Company continues to attempt to collect on a debt erroneously placed for collection AFTER original account balance was discharged in bankruptcy. Company continues to report account to credit reporting agencies, although debt was discharged via bankruptcy in XXXX 2013. Have contacted Consumer Reporting Agencies following instructions on their websites ; have contacted this creditor directly via telephone and certified mail. 

Requesting company to immediately halt collection efforts and have all information regarding this account removed from credit report.
Product: Bank account or service

I am writing to complain about excessive overdraft fees on my TD BANK checking account. 

NOTE : I am intentionally enrolled in the TD Bank Debit Card Advance program which allows me to overdraw my account for a {$35.00} overdraft fee. Although I think this is excessive, I accept this in exchange for the ability to overdraw my account occasionally. 

What I DO NOT accept is incurring multiple fees due to the methods banks use to process and post my transactions. 

For example, on Friday XX/XX/2017 I intentionally withdrew {$100.00} cash from an ATM expecting a {$35.00} fee. That was the last time I used my debit card. When I checked my balance today, it showed an additional {$140.00} fee due to transactions the bank says occurred on Monday XX/XX/<YYYY> They explained this is due to processing delays. 

They credited my account for {$35.00} as a courtesy and said they could provide no more credits due to an annual limit on fee credits. 

I firmly believe banks are taking advantage of delays in processing as a way to charge excessive fees. From my POV, I watched my balance and made charges which were approved by the bank because the funds were available. The bank immediately lowered my Available Balance after I made these charges. This works correctly. 

I then needed some extra cash so I decided to overdraw my account by withdrawing {$100.00} from an ATM knowing I would receive a {$35.00} fee. This part does not work correctly. 

The bank says ( XXXX ) transactions which I physically made before I ioverdrew my account on Friday XX/XX/2017 actually cleared my account on Monday XX/XX/2017 and therefore are subject to {$35.00} fee each. XXXX of these transactions were less than {$35.00}! 

The customer service rep said I can turn this service off implying I am in control and it 's my fault for using the service. This is not the issue. I like the flexibility this service provides. My complaint regards the way banks abuse this feature to charge excessive fees and turn XXXX overdraft fee into XXXX claiming they can not control the way they process charges. 

I believe they can if they were required to. If banks are able to adjust my Available Balance immediately, they can also use this data to determine overdraft fees.
Product: Checking or savings account

I have reached out to my bank advising that i was charged an incorrect amount by a hotel while I visited XXXX. I explained that the hotel charged me {$2800.00} when i was supposed to be charged {$1300.00}. on XX/XX/XXXX I faxed the bank a XXXX pages including, detailed email conversation with the hotel, the amount the hotel was reserved for and a full explanation of what happened.. On XX/XX/XXXX I then received a letter advising that the bank did not receive my documents and needed more information. I contacted the bank and spoke to XXXX with ID XXXX in disputes and was advised that on XX/XX/XXXX all XXXX pages that I faxed were received and uploaded and she does not know why they are requesting more info as the letters faxed before has all the necessary info. On XX/XX/XXXX I again faxed the documents to the bank. Today I receive another letter dated XX/XX/XXXX advising that they did not receive the information and will reverse the credit of {$1500.00} on XX/XX/XXXX. 
This has been a problem as its the second time this has happened. when I call the bank i am not allowed to speak to the actual person working my case and a lot of communication gets lost creating a very bad experience. I have provided the bank all the info that they requested as attached below and They have confirmed receipt of this, yet still another department is stating that they didn't and making decisions on this. Please fix this problem for me and also this process so that other customers don't face this again.
Product: Checking or savings account

Iam making a complaint exercising my right under 15 USC 1681 ( a ) ( 2 ), Chex system and affiliate have blocked me from getting account bank etc I will like for them to provide me documentation to say that I was the one that open these account and I gave any bank permission to put my information in the Chex system
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 and on XX/XX/2023 I submitted written requests to the credit bureaus to investigate my credit file. I requested they investigate XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX XXXX. 

These accounts are reporting incorrectly and the credit bureaus have not sent anything to me at all and its been over 60 days. What's even scarier is that they have also not put any dispute verbiage on my credit report which is illegal. They are required to put dispute verbiage on accounts in question. the bureaus are circumventing the FCRA and not investigating my file per my rights and I am outraged. This is their job.
Product: Debt collection

I received XXXX County 's Original Citation submitted by Linebarger Goggan Blair & Sampson , LLP, signed by Attorney XXXX XXXX XXXX representing XXXX County Toll Road Authority. The citation states that I have to pay {$130.00} for the unpaid toll of {$5.00} that occurred on XXXX XXXX, XXXX. I have never received the original bill from XXXX XXXX XXXX XXXX XXXX that they claim they had mailed to me on XXXX XXXX, XXXX. According to XXXX County Toll Road Authority, it was only ONCE ( first and final notice ) that the bill was mailed to me. Three years later, without any reasonable option to pay the unpaid toll, I was faced with the citation with the beyond unfair and unreasonable collection fee. I am filing this grievance because the attorney representing XXXX County Toll Authority had not made any attempt to contact me and give me an opportunity to pay this toll. I have tried several times to contact the Law Firm ; however, I did not get any response.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX Balance : {$3700.00} XXXX XXXX Balance : {$3700.00}