23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

It all started with an overdraft onXX/XX/XXXX of {$30.00}. At the time I wasn't aware of the low funds in my account and didn't even realize that I had overdrafted my account. Later that day, I purchased some groceries and it amounted to roughly {$50.00}. The next day, I was hit with 4 overdraft fees, I was not notified of this in any way : no email, no call, nothing. There was also a pending charge from a purchase that I had made earlier that week that had disappeared from my virtual wallet account and popped back up on XX/XX/XXXX, and that hit my account with another 2 overdraft fees. It wasn't until XX/XX/XXXX that I was made aware of my overdrafts via email, on this same day I had accumulated another 3 overdraft fees. I made a call to PNC and explained that I had never been notified for the overdrafts ( also the disappearing pending charge on my virtual wallet, this would make the second time that I have been charged multiple overdraft fees for a pending charge that disappeared, then reappeared. I was never notified of those overdrafts either ), and that I wanted to speak to a XXXX about having the fees frozen, that way I could pay them before they piled up too high once I received my next paycheck. I was told to leave my phone and social security number with the representative and that a XXXX would call me back within the hour. I never received a call, so I called back the following day and was told that the fees would be stopped so I could pay them. PNC continued to hit my account with DAILY FEES even after telling me that the fees would be stopped. My account had daily overdraft fees charged to it from XX/XX/XXXX to XX/XX/XXXX on the day of my direct deposit from my job. A total of {$470.00} was deducted from my account virtually financially crippling me for this month. I knew calling PNC was not worth the frustration due to the fact of them continuously ignoring me and giving me the run around on this situation. After my second encounter with the problem of disappearing pending charges and not being notified of overdrafts, I became so displeased with PNC and how the situation was handled ( their lack of customer service ) that I had no choice but to make a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  credit reports that I applied for a Best Buy CitiBank card on XX/XX/XXXX. This activity is fraudulent. I have called Best Buy 's hotline and ensured them it was fraudulent activity and they recommended I dispute here. This activity needs to be removed from my XXXX  credit report. 

On XX/XX/XXXX, XXXX  reported that I took out a XXXX/XXXX XXXX card. This activity is also fraudulent. I have reached out to XXXX XXXX hotline as well and ensured them it was fraudulent activity. This also needs to be removed from my XXXX  credit report.
Product: Debt collection

I started a debt consolidation in XXXX with a company after experiencing hardship. Wells Fargo was one of the affected ones. I have a Wells Fargo credit card. My debt consolidation has contacted Wells Fargo many times to inform and settle the debt. They have chosen to not respond and I have continued to accure interest and late payments for over 6 months. Wells Fargo never contacted me nor mailed me notifications.
Product: Debt collection

I started receiving text messages from the debt collectors on Friday XX/XX/XXXX at XXXX. For a cancelled auto policy of {$540.00}. I responded & requested a debt validation letter. After receiving I then submitted proof of another insurance coverage policy that had been obtained. No resolution or response from the debt collector. The collection then appears on my credit report at the end of XXXX. I have disputed and repeatedly attached documentation of the debt not being accurate and the creditors report the debt as accurate with no detailed response as to why. The policy was cancelled but an active policy had been obtained through another carrier and proof was provided through the portal provided by the debt collector.
Product: Mortgage

I received this fly in the mail that you guys would be offering me a mortgage, I called the first time, The call center employee addressed me as XXXX XXXX without even asking my name, Do you call every guy with an XXXX XXXX XXXX XXXX??? And this was after taking all of my information like my Social Security number, date of birth, my member ID, my full name, my address. 

The second time I called I was again asked my Social Security number, date of birth, my member ID, my full name, my address, And when I asked the lady about the mortgage, she transferred me to some other department and the guy Who picked up the phone he was going to ask me again all this questions, asking me to spell my name three times, I got XXXX XXXX  and I hanged up the phone. 


My simple question was which I never got an opportunity to ask, was that would I qualify for the mortgage, why do you need to verify that account for a simple question like that, and why are you wasting customers time, energy and the patience???
Product: Mortgage

Upon receiving my last bill I noticed I was charged 3 times for the payoff quote I requested from freedom mortgage that I still to date have not received. In refinancing my funds allocated XX/XX/.
Product: Student loan

I submitted a School Misconduct Loan Discharge Application that was confirmed to have been received by Navient on XX/XX/XXXX. I was told both loans would be put on forbearance during this process ( only one of them was, and I had to repeatedly call to get the other one placed on forbearance after I was told by one employee that it " wasn't necessary '' and refused to submit a forbearance request for me ). 

Navient is handing all of these loans over to a new lender ( XXXX ) on XX/XX/XXXX and I have a feeling they are just going to completely ignore processing my request until this takes place, forcing me to go through the application process again. 
Even our United States government is aware of the unethical, immoral, and illegal student loan procedures that Navient has been practicing, and a letter was sent to the CEO of Navient by multiple congresspeople and representatives of the US government outlining those infractions. It is absolutely ridiculous for Navient to drag their feet in processing these applications, or denying these applications without just cause, because they know they will be relenquishing responsibility for them within the next couple of weeks. They must be held responsible and accountable for these predatory loan.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block, inc. ) due to inadequate costumer service and unfair practices, which violate the consumer financial protection act ( cfpa ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on there platform, leaving my account vulnerable and unprotected. Further more, there dispute resolution process was unfair and deceptive, as they did not comply with error resolution process under the electronic fund transfer act ( efta ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

My card it's completely blocked ago XXXX week and I don't know the reason. Nobody answers on the bout costomer service which are on the back the card to can talk with someone employees. I am retirement and it's single source of my income where receiv monthly my benefits. I don't want become homeless. Thank you in advance.
Product: Credit reporting

On XXXX XXXX, XXXX I first became aware that I am a victim of identity theft. I have since pulled my credit files from all XXXX major bureau 's ; Experian, XXXX and XXXX. I have also since been disputing a large number of trade lines with all including Experian. At this juncture, I need to dispute my last fraudulent information reporting on my Experian credit report. Apparently, in XXXX a bankruptcy was filed in someone else 's name and contact information while utilizing my social security number and date of birth. Here is the following information that is showing on my credit file as of XXXX XXXX, XXXX : CHAPTER XXXX BANKRUPTCY FILED : XXXX/XXXX/XXXX CLOSING DATE : XXXX/XXXX/XXXX REF # : XXXX On multiple occasions I have forwarded the necessary proof of XXXX my identity and my current address to help Experian expedite disputing and subsequently successfully removing these erroneous accounts from my credit file. I am again attaching my drivers license, social security card and current bank statement accordingly. 

Thank you for your help up to this point! 
XXXX
Product: Credit card or prepaid card

Discover Card representative called me today about an outstanding balance on   XXXX    c redit cards that were opened with them on  XXXX / XXXX / 2016 . I informed him that I have no credit cards with  Discover and have never applied for credit with them.. I did report as fraudulently  XXXX  credit card that was opened with Discover bac k i n  XX/XX/XXXX . I infor med them that I have a 7 year fraud alert on my credit so no accounts should have been opened without my authorization. They informed me that the card would be closed out immediately. However, after the  phone3  call today I 've learned that they did n't close out the card and that there ar e  XXXX  additional cards opened fraudulently with Discover. Their i nvestigations dept. refused to help me or give me any information as to how these accounts were opened and then kept open even after I informed them back i n  XX/XX/XXXX  that they were fraudulent. In  XX/XX/XXXX  I was  advised by  XXXX  to get a credit freeze since the lady whose stolen my identity has still been able to open up accounts despite my 7 year fraud alert. I assumed that this issue was over, but as of today I see that it is not. I need  these  XXXX   accounts closed as fraudulent.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the conduct of TransUnion, a major credit reporting agency. I believe TransUnion has violated the Fair Credit Reporting Act ( FCRA ) by not following proper procedures in verifying account information and reporting bankruptcy data. 

Upon reviewing my credit report obtained from TransUnion on XX/XX/, I discovered inaccuracies related to a bankruptcy filing. It has come to my attention that TransUnion did not directly contact the furnisher of the account, as mandated by law. Instead, they relied on third-party verification processes, such as PACER ( Public Access to Court Electronic Records ) . 

I wish to emphasize that verification through third parties like PACER is not adequate verification as stipulated by the law. The FCRA requires credit reporting agencies to directly contact the source of the information, i.e., the furnisher of the account, to ensure accuracy and reliability. 

This violation has had a detrimental impact on my creditworthiness and overall financial standing. As a result of the inaccurate reporting of bankruptcy, I have faced negative consequences, such as denial of credit or higher interest rates. 

Although I have initiated the dispute process with TransUnion to rectify the inaccuracies, I am deeply concerned about the broader implications of their failure to comply with the FCRA. It is crucial that credit reporting agencies adhere to the law to uphold the integrity of consumer credit reports and protect consumers ' rights. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against TransUnion for their non-compliance with the FCRA. Additionally, I seek assistance in resolving the inaccuracies on my credit report and ensuring that my rights as a consumer are safeguarded. 


Thank you for your attention to this matter. I anticipate a prompt response and resolution of this issue. 

Sincerely,
Product: Student loan

I have been paying on this loan for my daughter 's XXXX  XXXX  expenses since XXXX. Navient has been difficult to deal with, and specifically how to understand the method they use to calculate the interest and late fees. 

I called Navient on XX/XX/XXXX and attempted to pay off the loan. They informed me the payoff balance was {$3500.00}, but they would not allow me to pay with a credit card, only a debit card. I informed them at that time I would be mailing them a check, which I did on XX/XX/XXXX to the mailing address in XXXX, PA they had provided at that time. This was check # XXXX in the amount of {$3500.00}. 

I called them on XX/XX/XXXX since I noticed that late payment charges were accruing on their online statement, and my check was obviously not deposited. They informed me at that time they had not received the check. I was concerned that they were deliberately holding the check for as long as they could, in order to accrue additional late charges, as this was nearly two weeks since I sent the check. So I told them at that time I would be cancelling the check and would pay immediately with a debit card. I proceeded with the debit payment at that time, in the amount of {$3500.00} which I was informed was the payoff balance. I did receive a confirmation e-mail shortly afterwards on XX/XX/XXXX with the confirmation # XXXX, indicating that the payment was submitted and processed. 

I did proceed also at that time to place a stop payment with my bank on check # XXXX. I noticed on XX/XX/XXXX that the debit payment was posted to my bank account in the amount of {$3500.00}. On XX/XX/XXXX I noticed also that Navient had attempted to deposit check # XXXX which I had told them specifically I was cancelling and this was 2 days after the debit payment was already processed. 

I am concerned now that if I would not have placed this stop payment that Navient would have proceeded with processing the check, and it would have been a large project with them to refund the check, and most likely it would have been on their terms, with whatever other late charges they wanted to add. 

I am attached the e-mail from Navient indicating the debit payment was processed on XX/XX/XXXX, and a caption of my bank statement, indicating that Navient had attempted to process the check for {$3500.00} on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I previously disputed this account XXXX XXXX XXXX Mo debt of ( XXXX ) stating : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation. Please mail me the proof of your investigation and proof that this debt collector has legal right to collect, or delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a compliant already they didnt correct the the removal date on my bankruptcy its posting for 10 years. Then I have recent unknown information on my credit ( XXXX XXXX XXXX  XXXX XXXX, Mt XXXX ) I have never done business with them that is inaccurate then my score dropped over 60 points for removing the inaccurate information which I dont understand why. Please removal all hard inquires that Im not doing business with that are over 30 days old on all 3 reports. I am in distress this is really affecting my credit. 
its been over 30 days and only certain things were addressed.
Product: Consumer Loan

I have a loan with One Main Financial. I have had this say loan since XX/XX/2013, it is a 63 month loan. My balance started at {$11000.00} which I was only told I was borrowing {$10000.00}. My balance now after 3 years is still {$8800.00} so according to them I have only paid {$2400.00} in 3 years. I have received multiple phone calls from this company during this 3 years in which they have told me that if I did n't pay my payment that day that they would be seeking legal action against me. I have also received phone calls and I have asked them for help with getting on track and they have told me lies about how they are being bought out my other companies and they ca n't help me. One day the office staff called me and did n't realize that I was on the phone already and started talking about how they were going out that weekend XXXX. I just received a call today, I made a partial payment on my account, and they told me that balance was to be paid in full today or they was going to seek legal action, they tell me this multiple times and that they will sue me if I do n't pay. There have been times when I have been like 15 days past my due date and they still tell me this. I am fed up. I have been spinning my wheels paying this company and they are hateful and always rude to me and lie to me and threaten me. I have tried to call corporate several times and I am always told there is nothing to be done and I have to take it up with my local branch. They also call me 6 to 10 times a day if I am due for my payment. I am trying to work a full time to be able to pay my bills and my phone is constantly ringing. The other day when I went in their office a lady was in there making a payment and they were yelling at her because she had a hard time hearing and they were very rude to her also. I just ca n't stand the attitude they have with their customers and the way they are treating the loans and threatening me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX and Transunion are incorrectly reporting multiple medical collections on my credit report. ( Please see pages 11, 12, and 13 of the attached credit report. ) I have attached a spreadsheet listing the name ; account number and amounts of the medical facilities that have been paid directly by my workers compensation claim. There are no outstanding balances due and owing. This incorrect reporting is harming my credit score and all of these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus directly to resolve this, but I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services LLC. P.O. XXXX XXXX. XXXX, GA XXXX. 
XXXX : EQUIFAX dispute department RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiries that is problematic. The inquiry in question was apparently made by XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, DE XXXX They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. Please investigate this inquiry at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing inaccurate depiction of my creditworthiness. Please update me with a full report on your endings within the next two weeks. I look forward to having this situation resolved as soon as possible. Thanks for your prompt attention to this mater, XXXX XXXX
Product: Checking or savings account

On or about XX/XX/year>, {$100.00} was taken from my Chase Checking account. I did not authorize this transaction. I call XXXX customer service and told them I did not authorize this transaction. I received a notice XX/XX/year> saying the money was put back into my account. I received a notice XX/XX/year> saying that the money was taken back. I made phones call and went to a bank branch. At the bank branch the person who was assistance made a phone to someone at Chase. I person on the phone told me that i must have made the charge in question. She said the charge was made in person, at a store in XXXX, XXXX. The store only as two locations, one in XXXX XXXX and in another country. The person on the phone, said I should go to some store in XXXXXXXX XXXX Between then and now I stop having money deposited in the checking account I took most of the money out of the saving account. The reason I that I waited till now I had was having a problem with a cashier 's check. The check was deposited. I went to a bank branch to close the accounts. I was given the money from the saving account. Also told I could not close the accounts because a owe a service fee. Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
XXXX XXXX XXXXXXXX
Product: Credit card

My parent burned down on XXXX last year Apple spoke about hardship program but none was applied even tho my reason to call was to ask help. The bank changed the address too many time to vague address. Was advised to pay off my account and re apply rather to re open the account since my Apple XXXX was compromised. Today I was adviced to re apply twice. Already explained the bank the need to rectify my info or verify it, rather they said apply again 30 days from now when they know there need to verify my info since my credit is locked.
Product: Credit card or prepaid card

Capital one closed all my and my wife bank accounts and credit cards with no given reason. I realied on it and now I'm broke
Product: Debt collection

XXXX XXXX open account Amount of debt : XXXX Account number : XXXX PayPal account I made several attempts to clarify to the company once I received the notices of missing payments that I did not own the account. They would simply transfer the account to a debt collection company. The account is currently with portfolio recovery and they sent a lawsuit in regards to this account.
Product: Credit card or prepaid card

This card was LOCKED on XX/XX/21, and has NEVER been unlocked since. 
On XX/XX/21 - 2 pending charges for XXXX/ea appeared from XXXX  XXXX. I called Barclay on XXXX ( XXXX was a holiday ) when the charges were still pending. I was told by the rep that she could see from her side the 1st charge was declined and would fall off. She could not tell at that time if the second charge was or would also declined but stated it should be since the card was locked. She said if the charge went thru to call back and my account would be credited. The first charge did fall off but the second went thru and I called back on XX/XX/21 after it said processed. I was shuffled around from dept to dept as they all passed the buck on whos problem it was and who could issue the credit because " customer service doesn't have that ability. '' WOW- really? I have had a rep, a supervisor and others confirm the card was locked XX/XX/21, that the charge should have been denied and that I would get a credit from Barclay. A supervisor even stated more than once ( on a recorded line ) that this was a Barclay mistake not a merchant mistake. I was told more than once by multiple people I would get a credit for the XXXX. This still has not happened. I was also told I would get a phone call and/or email from the last gentleman who was also supposed to be a supervisor. Nothing to date. I called back in today XX/XX/21 to check on the situation and was put right back into the pass the buck blame game on other departments. 
The entire point of locking a card is so that NO new charges come thru. This was not a recurring or subscription charge that is exempt from the locked status. 
Barclay need to take responsibility for their mistake and issue the credit for {$32.00} and stop trying to give any excuse possible for their glitch, wrong algorithm or whatever caused this mistake on their end. 
I just want them to do what they have repeatedly said they would and issue the credit I am due. Feel free to pull up the recordings from each time I have called.