23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to express my profound frustration and disappointment regarding the unresolved charge off accounts with incorrect balances on my account. Despite multiple attempts to rectify this issue, the fraudulent charges remain, causing ongoing distress and financial inconvenience. This lack of resolution is unacceptable and has severely impacted my financial stability and trust in your institution. It is critical that this issue be escalated immediately within your organization. The persistent presence of erroneous transactions on my account is not only a misrepresentation of my financial history but also a potential security risk. I demand immediate and decisive action to resolve this matter. I require the following actions to be taken such as Immediate Removal of these accounts. If this issue won't be solve, l would have no choice but to escalate the matter further, including seeking assistance from regulatory authorities to ensure compliance and protection of my consumer rights. The following accounts should be remove as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

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 XXXXXXXX* 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 an account without my written instructions.
Product: Checking or savings account

Truist charged overdraft fees on debit card transaction that did not exceed the accounts positive balance. 
Truist charge overdraft fees even though I had sufficient positive balance at the time that the transaction was authorized by the bank. 
Imposing overdraft fees in an Authorize Positive/ Settle Negative situation is unfair, because it causes injury that I can not reasonably avoid. 
I have no control over or involvement in the settlement and presentment of debit card transactions ( which typically take place days after the transaction occurred ). 
When Truist authorizes a debit card transaction on my account with sufficient funds to cover the transaction, I reasonably expect that I will NOT incur an overdraft charge on that transaction. 
Truist is intentionally reordering debits and credits in a way that creates scenarios to cause additional/multiple overdraft fees out of thin air ( typically transactions that accumulate between Friday and Tuesday ). 
This has happened more than 60 times between my accounts since XX/XX/XXXX, resulting in more than {$2100.00} in undeserving overdraft fees. 

I am a XXXX XXXX to XXXX children, and this has impacted my ability to feed my children more than once. These practices are immoral, and certainly do not fulfil the company moto of " financial wellbeing ''. I spent more than a week begging the company to reverse this latest round of fraudulent overdraft fees, but the company is hiding behind a XXXX disclosure saying that I agreed to allow them to charge/change/authorize/post fees to transactions at their discretion. 

All of the transactions made were transfers from Truist acct to Truist acct and XXXX debits. It is impossible to transfer funds from one acct to another if there are not funds available, and it is impossible to send funds to XXXX  if there are not funds available. It is safe to conclude that Truist has created these situations intentionally to generate more revenue from overdraft fees, out of scenarios that absolutely can not be in an overdraft situation. Truist is # 4 in the Nation for collecting Overdraft Fees. I'm curious what the ratio is compared to other banks per personal account/business account. 

The largest occurrences of this happening were in XX/XX/XXXX and XX/XX/XXXX but this has happened throughout the last year and a half, with the latest being XX/XX/XXXX, XXXX, XXXX of XXXX ( oddly enough directly behind the heels of a production issue that created multiple duplicate transactions ). 

It is a shame that banks do not have to pay damages when they negatively impact clients/employees. These instances of made-up fees have really hurt my family of XXXX. The most recent occurrence has set me back so far that I can not buy food, gas, or XXXX gifts. Before I ran out of gas, I had gone to 3 food banks in search of someone that can help me feed my children for the next month due to this outrageous abuse and misuse of power. This is unreal.
Product: Credit reporting or other personal consumer reports

Delete hard inquiries 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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 ( XXXX XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Reason : I don't recognize this account Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Reason : I don't recognize this account Dispute Under Section 611 of the Fair Credit Reporting Act 15 U.S.C 1681i Different opening dates on each account ( s )
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently wrote to XXXX XXXX XXXX, via certified mail, requesting the deletion of the following account : Account Number : XXXX, and I would like for you to have a copy of this document as well. I would also like to initiate a dispute with you in efforts to finally remedy this situation once and for all. XXXX XXXX XXXX continues to falsely verify this account whenever I dispute this item with the Credit Reporting Agencies, -as well as yourself, the Consumer Finance Protection Bureau , -whom is a government entity. XXXX XXXX XXXX, has stated to all parties. -the Credit Reporting Agencies , The Consumer Finance Protection Bureau , and myself, on multiple occasions, that the information in which they are reporting is verified as accurate. However, this is not true! Anyone with eyes can see that the information which they are furnishing is blatantly inaccurate, inconsistent, and or incomplete due to the unavailable data ''. According to federal law, my credit report to be 100 % accurate and truthful, -which is sadly not the case. XXXX XXXX XXXX has been furnishing this inaccurate information to the CRA 's for quite some time, and I have spent my hard-earned money, as well as countless hours of my precious time combating this issue. I have no idea how they continue to get away with this! I have recently informed you of this matter, as well as informed you of the U.S. Codes which due to my research, I believe that XXXX XXXX XXXX violated, yet somehow, you still allowed XXXX XXXX XXXX to report that the information was verified, which allowed this item to wrongfully remain on my credit report. At this point, I pose the question ; Is XXXX XXXX XXXX above the law? Why are you not ensuring that this company is following federal guidelines, regulations, and or codes pertaining to credit reporting, fairness, accuracy, privacy, etc. This matter is now beyond wether it is verified or not ; it has become a compliance issue, which XXXX XXXX XXXX is willfully noncomplying. Furthermore, XXXX XXXX XXXX continues to harm me. This matter has taken a significant toll on my health and livelihood, which has caused me both physical and mental distress. I have mentioned this in the letter that I have written to them. Please see attached documents. I have also enclosed the pdf version of my letter to XXXX XXXX XXXX, as well as my credit reports, which display the obvious inaccuracies and inconsistencies this company is reporting, -which they have been, and continue to falsely verify as accurate. This has to stop!
Product: Credit card or prepaid card

I placed an order ( XXXX ) for a XXXX Laptop for {$410.00} on XX/XX/2020. This was shipped with XXXX tracking # XXXX. My shipping address mentioned in the order was XXXX XXXX XXXX, XXXX, XXXX XXXX, DE XXXX. But this item was delivered to incorrect address XXXX XXXX XXXX, XXXX XXXX, DE XXXX on XX/XX/2020 and it was received by somebody named XXXX. Attached the proof of delivery provided by XXXX for the same. I have cited this reason and spoke to BestBuy several times and they still refused a refund. 

So, I decided to dispute this transaction and provided all these details to your team, when I opened this dispute ( CASE ID # XXXX ). Still your team has incorrectly closed this dispute in BestBuys favor 4 times so far without even looking into the proofs I have provided ( it clearly shows the incorrect address in the XXXX  proof of delivery ). I had to call your team several times to explain this issue and still they were not helpful. I have reopened this dispute again to investigate this clearly. Can you please investigate this issue as a high priority as this has been going on for several months now? Please let me know if further details are required. 

Please Note : I spoke to many representatives from disputes team asking them to give me a call or send me an email before closing the dispute. I have never received any correspondence before the dispute was closed. Not sure why this was not notated in the case when I called in.
Product: Credit reporting

I have disputed information on my credit report about an unpaid bill from XXXX. XXXX has failed to provide proof of the bill, but the report is still on my credit report.
Product: Debt collection

I went to XXXX XXXX Hospital last year on XXXX night for an emergency visit. I was uninsured and was billed for over {$1000.00} and was sent a bill by XXXX. It offered to have that bill reduced and it was to {$510.00}. I was resent the bill and was paid on XX/XX/19. Months later I get from a call from a debt collector on behalf of XXXX XXXX Hospital that the original amount was never paid and was sent to collections. I have the original bill for {$510.00}, an email from XXXX XXXX XXXX confirming the transaction and a bank statement for the {$510.00} that was charged to the card.
Product: Consumer Loan

SPRINGLEAF AGREED TO REMOVE THEMSELVES FROM MY CREDIT. NOT ONLY ARE THEY STILL SHOWING I HAVE A BALANCE BUT THEY ARE ALSO STILL SHOWING A JUDGEMENT THROUGH XXXX COUNTY MAGISTRATE COURTS
Product: Debt collection

I took out credit card as a stupid college student. The card had a high amount and I used it on books I never received notice or contact from credit card company for long time and belive statute of limitations is past. No agreement letter or arrangement was ever received. This debt went unnoticed
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Request for Deletion of Unauthorized Hard Inquiries Dear Trans Union Team, I am writing to formally dispute unauthorized hard inquiries that are present on my credit report. These inquiries were made without my consent and do not meet the permissible purposes outlined in the Fair Credit Reporting Act ( FCRA ). 

Details of the Disputed Hard Inquiries :. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not authorized by me, and I have not applied for credit with these creditors. As such, they violate the FCRA, specifically 15 U.S.C. 1681b, which states that consumer reporting agencies may only furnish a consumer report for permissible purposes.

Violations of Federal Law : 1. Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681b : Requires that consumer reporting agencies obtain written consent for hard inquiries.

15 U.S.C. 1681i : Mandates that credit bureaus investigate disputes and remove inaccuracies from credit reports.

To assist in your investigation, I have attached A copy of my government-issued ID for verification.

I kindly request that you : 1. Investigate the disputed hard inquiries listed above.

2. Remove these inquiries from my credit report.

3. Provide me with a written response detailing the outcome of your investigation within 30 days, as required by the FCRA. 

Thank you for your prompt attention to this matter. If you need further information, please contact me at [ XXXX ] or XXXX Sincerely, XXXX XXXX XXXX
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. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, has violated my rights. 

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 an 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

XXXX   Store Card c harged my credit card for purchases I did not authorize.
Product: Mortgage

On XX/XX/XXXX, I contacted Wells Fargo Mortgage to start the mortgage process. In todays competitive housing market, its important to combine a preapproval letter with the offer contract when bidding on a home. 
During my first conversation with XXXX XXXX XXXX Wells Fargo, I provided in depth and detailed financial data for approximately 2 hours. Since we all had Wells Fargo accounts it was easy to confirm balances and all payroll information was clearly documented through online portals. After completing the application, XXXX discussed the application with XXXX XXXX his supervisor and I received my first Pre-Approval letter for a house price of {$580000.00} and 20 % down. We put offers on two houses in XXXX  and 1 in XXXX. During the bidding process, we received pre-approval letters from XXXX XXXX at Wells Fargo for $ XXXX, $ XXXX, {$590.00} and $ XXXX. ( all attached ) Unfortunately, we were out bid on two of the houses, but the third one we were still in the running. In order to secure the house we would need to get a pre approval for {$620000.00} with 20 % down. After reviewing the ratios XXXX spoke to XXXX again and the two suggested sending the application to underwriting. I submitted all of the proper documentation on XX/XX/XXXX and 9 days later I received a call from XXXX telling me that Underwriting had made a decision and that we would only qualify for a {$300000.00} house with 20 % down. That is of course 1/2 of the original pre approval mortgage amount. What Wells Fargo doesn't understand or care about is they potentially exposed me to losing the earnest money if my contract offer was accepted. Since that day I have spoken with XXXX the supervisor and XXXX XXXX Area Manager and was met with weak excuses and the reminder that all previous conversations were recorded. I was told on XX/XX/XXXX at XXXX XXXX that XXXX would personally review the file with underwriting and get back to me. I was also told that Customer retention was going to call me so that we didn't move our accounts from Wells Fargo. How can there be such a disconnect between the front line Mortgage Consultant XXXX his Supervisor and Underwriting? It took 2 hours to provide all of the proper financial details to XXXX and most of it was either on my credit report and in the Wells Fargo account and Payroll portals. Additionally, I told XXXX XXXX Area Manager that I would be submitting a formal complaint with consumerfinance.gov. His response was that they already submitted a complaint on my behalf yet I have not received any email from their or any complaint department. As of this writing, XXXX XXXX  on XX/XX/XXXX I have not received any communications from Wells Fargo.
Product: Debt collection

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have recently placed a collection on your consumer report. I have previously contacted them to fix these issues directly but they have not done so and they are violating my rights and I'm entitled to {$1000.00} for every violation I listed. They either need to pay me or delete these accounts ASAP.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX I disputed XXXX XXXX for account not belonging to me. Account was not taken off credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account on my report by the name of XXXX XXXX XXXX. The account was bought out by XXXX XXXX XXXX. XXXX sent me a letter saying they have closed the file and terminated collection action which means the entire account should have been removed from my credit report. XXXX no longer shows on my report, but XXXX does. If XXXX bought out the account and removed it, the entire account should have been removed. I have sent them 2 separate certified letters on XX/XX/2020 and XX/XX/2020 and disputed this item multiple times with no resolution. They will never send me proof of my signature on the account or any type of verifiable proof like I requested in my dispute. All they keep saying is the account is updated and the account looks exactly the same. I have also received a letter from XXXX also stating they are no longer servicing action on the account.
Product: Debt collection

Filed a dispute with Experian because company has reported the same account twice on my credit report and denies that they have done so. The company has changed the amount due by {$1.00} so that it looks like they different debts but they are not. Company has also reported on my credit report a & XXXX debt that has been paid in full since XX/XX/XXXX. Company stated that " Information is accurate '' and will not remove the second instance for the same account from my credit report.  Company also will not tell me why this medical debt was never sent to my insurance company or give me a statement of account to show that this debt is even valid. I would like this resolved immediately.
Product: Credit reporting or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful mis-statements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I demand you to delete fraudulent account now.
Product: Mortgage

I had participated in the Virginia mortgage program and all my payments were paid. 
Also worked thru stand alone partial claim. 

Noticed the discrepancy regarding my mortgage payments during the XXXX forbearance period. As you are aware, I participated in the forbearance plan provided by the Virginia Mortgage Relief Program, which allowed me to temporarily pause my mortgage payments due to financial constraints caused by the pandemic. 

Throughout the forbearance period, I diligently made all required payments as stipulated by the relief program. It is important to note that under the law, forbearance payments can not be reported as late, as this would be a violation of consumer protection regulation. 
I have noticed that some of the payments made during the forbearance period have been incorrectly marked as late. This discrepancy is concerning, as it inaccurately reflects my payment history and may have a negative impact on my credit score. 

I kindly request that you rectify this error by deleting all late payment notations associated with the forbearance period from my credit report. It is imperative that my payment history accurately reflects my adherence to the terms of the forbearance plan and my commitment to meeting my financial obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion should not be reporting a collection on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) These charges were covered by my medical insurance and these charges were submitted when services were obtained. I received a bill and contacted the billing department and provided the representative at the billing department all of the insurance information again however, it was still not billed correctly. I have attached a copy of my insurance card for reference. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting

My credit was repaired, I have a fraud alert and now myscore will not appear. It states I have no credit when in 2013reported a XXXX credit score. unable to get a clear answerfrom the credit bureau. SS said I can get a new SS #. 
I have also gotten married XXXX/XXXX/2013 new last name XXXX
Product: Money transfer, virtual currency, or money service

I added {$1400.00} from my Wells Fargo checking account to XXXX XXXX on XX/XX/21. The transaction was declined by Wells Fargo and they sent an email with the declined message. The {$1400.00} was withdrawn from my checking account instantly on the same day. When I called Wells Fargo I was told there was a system issue and to call back tomorrow. I call on XX/XX/21 and spoke with four different bank reps who all say this is a known issue but my funds cant be released until their investigation is completed. I am stuck waiting on their resolutions team to correct this issue while I cant access my funds.