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

I opened a credit card through XXXXXXXX XXXX in XX/XX/XXXX that was originally through a credit union. In the XX/XX/XXXX, that credit was sold to XXXX XXXX. In XX/XX/XXXX, I received a letter that the check with payment that was sent had the wrong account number on it and a late fee had been charged to my account. I thought I may have typed the wrong account number in when I provided the information to my personal bank ( I pay bills through my account and they sent checks on my behalf. ) So next time, I looked at the statement from XXXX and made sure the account number I was providing was correct. I received these letters each month XXXX-XXXX, but unfortunately, was dealing with other personal things and had not called them to get this resolved. I took a look at the image voided checks and noticed that the account number that the bank prints did look like it was cut off where it's printed at the top ( leaving off the last 4 numbers of the account ) but there is a complete number in the memo line, which must have been ignored by whoever was processing my payments at XXXX. I called and spoke with someone in customer service at XXXX in early XX/XX/XXXX about getting these fees ( and subsequent interest that was charged on the fees ) removed from my account, as the correct account number was on the checks I provided and the fact that the person at XXXX didn't look closely at the check when it was receive isn't my fault. She said she would submit a request and I should see what will be refunded on my next statement. I look at my next statement in early XXXX and saw nothing about this. In XX/XX/XXXX, I received a letter from XXXX ( dated XX/XX/XXXX ) saying " you asked about a late fee that was applied to your XXXXXXXX XXXX credit card account. A late fee may be charged to your account when the minimum payment due is not received by the scheduled due date. Because this requirement was not met, we are unwilling to remove the late fees from you account. '' All of my payments were scheduled with my bank to be received by XXXX BEFORE the due date of the payment. The only reason these payments were " late '' was because they are claiming I didn't provide a valid account number ( of which I have proof that I did ) and they weren't able to apply the payment to my account on time. I have nearly {$400.00} in late fees/interest charges on late fees that was incurred simply because the recipient of the check didn't look at the memo line.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted via phone and every rep I spoke to told me to send my disputes through mail. I sent my letter on XX/XX/2021 and havent received a response. Im unsure to why I have been ignored. I take my credit very seriously and I need the incorrect information listed on my credit report deleted asap. Being that it has been over 70 days I dont have time for them to do an investigation because it should have already been done. I need the incorrect information deleted as soon as possible and I will not wait another 30 days. This situation has been stressing me out and Im willing to file for litigation if need be if these items arent deleted asap.
Product: Credit reporting or other personal consumer reports

XX/XX/2023, I sent letters to XXXX, TransUnion and XXXX about the following fraudulent accounts and they have not yet to follow CFPB Laws our rules. 
XXXX {$0.00} ACCOUNT # XXXX XXXX XXXX XXXX {$800.00} ACCOUNT # XXXX XXXX XXXX XXXX {$850.00} ACCOUNT # XXXX /XXXX XXXX XXXX {$1400.00} ACCOUNT # XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against EQUIFAX located in XXXX, GA ; XXXX located in XXXX, TX and XXXX located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, causing me significant financial and mental distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim, they have failed to provide the necessary documentation as required by the FCRA. Despite my persistent efforts to resolve this issue over the past several months, EQUIFAX, XXXX AND XXXX has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints lodged against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of this XXXX bureaus namely EQUIFAX, XXXX AND XXXX has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Product: Checking or savings account

Bank of America some errors account XXXX aba routing number XXXX checking overdrawn fees very high unsecured credit card refused and denial, control number XXXX Ill dept of human right injustice and unfair treatment I also felt like if I was a victim of discrimination trouble with getting son replacement card to add to account reference number XXXX ending XXXX for XX/XX/XXXX XX/XX/XXXX denial XX/XX/XXXX thru XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.despite using Zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's finding indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

I have never made a late payment on this account since I opened it in XX/XX/2006. I got an alert through my XXXX XXXX app that I was late but had no clue I had a bill due as I haven ' used it. 

I immediately called and paid it off to XXXX balance.
Product: Credit reporting or other personal consumer reports

Account ending in # XXXX American Credit Acceptance Amount {$22000.00} I believe my rights were violated because I never gave permission for this account information to be reported. This situation has caused me financial and credit devastation. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to certain protections and remedies when m

y rights under 15 U.S. Code 1681b ( a ) ( 2 ) are violated. These may include bu
t are not limited to : Account Deletion and my credit report updated.
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 credit bureau must validate this account 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 listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$290.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Violated The United States Code Law 15 U.S. Code 1681b Permissible purposes of consumer reports by furnishing my consumer report without my written consent please delete items immediately see attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 
I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letter certified signature request. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : NXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Opened XX/XX/2021 {$180.00} owed Contacted the company for contracts, havent received
Product: Mortgage

To start, my loan was a nightmare. I kept asking about the rising interest rates because I got an offer for a 4.5 % interest rate from another company and was told that Movement was still the way to go because the other included a hidden 1 % additional fee. I ended up getting locked in at 5.9 % on XX/XX/XXXX which was higher than the competitor even WITH the hidden 1 % fee when my lender went into " panic mode ''. I then found out it was really 5.99 %. I was told that XXXX did not exist, that it was a typo and I had signed the document with the 5.99 % on there ( I was told that signing the document was okay because it was not the " final '' version ). 

I ended up calling Movement Mortgage XXXX XXXX on XX/XX/XXXX to get the interest rate situation sorted out. She said she could do one of two things -- Movement would pay {$1000.00} towards the next lowest rate and I would have to pay the excess or they would pay {$1000.00} of my closing costs. I chose the {$1000.00} to the closing costs. I now get an email on XX/XX/XXXX that Movement had to extend my lock an extra day but that my realtor, XXXX XXXX, was taking care of the extra cost for that. 

I now get to the actual signing and the {$1000.00} off my signing is now only {$460.00} as the rest of it went to the extra day lock -- I had XXXX, the escrow officer of XXXX XXXX XXXX Movement to confirm that is where the money went. I have yet to get the remaining {$530.00} of the {$1000.00} promised to me from Movement that was already covered by my realtor and Movement is now trying to force me to sign a Settlement Agreement before giving me the rest of the money they owe and already agreed to pay. 

I got a response from XXXX XXXX on XX/XX/2022 with the following : Cash to Close - After your discussion with XXXX XXXX you were to be given a lender credit of {$1000.00}. Here is how that {$1000.00} was to be applied. We did not charge the .125 % discount point ( {$460.00} ) and we were to give you a lender credit of {$530.00} on the Final CD. Adding those two numbers equals a credit that would have equaled {$1000.00}. Unfortunately you were only given a lender credit of {$460.00} on the final CD. Adding {$460.00} ( fee not charged ) and {$460.00} ( credit ) equals {$920.00} I will be more than happy to send a check for {$75.00} to you but our legal department requires me to send a Settlement Agreement for your signature. If you would like for me to start that process, please let me know. 

Again, they ignore the fact that the extra day lock was already covered by my realtor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud scratch account in Experian credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported my account as delinquent to the credit reporting bureaus for an {$8.00} charge that was incurred for the annual fee. I do not use this credit card and was not given any statements or notices that the annual fee was being assessed to my account. Furthermore, I believe it is deceptive and unfair that the annual fee is split up over monthly payments. This forces consumers to have to use their online payment system which charges a " convenience '' fee for expedited payments. It is also creates a situation where consumers would incur more late fees, which are double the amount of the annual fee amount, if they are not aware that every month the annual fee will be added to their account. This appears to be nothing more than a system designed to extract fees from consumers. 

Additionally, I have never made one late payment in the 3 years I have had this account and when I called they were unwillingly to accommodate my request to update my credit reporting and remove the derogatory remark which caused a significant decrease in my credit score. The amount past due reported to the bureaus was for {$25.00}, which again, consisted of {$8.00} for the " monthly '' annual fee charge and the rest of the balance was entirely late fees.
Product: Payday loan, title loan, or personal loan

I send a certified letter return receipt to the address listed on the website on XX/XX/2018. On XX/XX/2018 I place a stop payment on my checking account to prevent any additional payments from being taken and they are still coming out. On XX/XX/2018, the amount of {$530.00} was deducted from my account. I want my money refunded. 

Tracking number for certified mail is XXXX.
Product: Credit reporting 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 Account XXXX has violated my rights. Or a list of inquiries : 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 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: Checking or savings account

My daughter had a payout from a lawsuit when she was a child. The money was placed in USAA Federal Savings Bank in a mutual fund account under a guardian conservatorship account, myself and her Father were listed as conservators. This account came with restrictions, that money can only be taken out by court order. My daughter is now XXXX years old. At XXXX all restrictions were to be lifted off of the account, by court order, and the account was be transferred in only her name. We recently tried to access the money to withdraw some for personal use and to either put the money into either a mutual fund or a CD, in only my daughters name. Even though we have provided the court order that removes the restrictions and have filled out the change of account form and requested to open another account, USAA has refused to service the account. The mutual fund is still under conservatorship with restrictions. They have not opened a mutual fund in her name only and have refused to give her access to her money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Still having issues with XXXX XXXX and equifax inc reporting fraudulent hard inquiries on my consumer profile. Violation of 15 usc 1681. Its on file with all 3 bureaus that I have been a victim of my data being stolen in the past. And also a victim of equifax data breach. This is my last and final attempt for equifax and XXXX XXXX to remove the fraudulent items on my computer profile before taking Legal action
Product: Debt collection

The University XXXX XXXX ( original creditor ) has been proven to be a fraudulent account, They have removed their negative markings, allow with the XXXX XXXX XXXX and literally four other 3rd party collection agencies because this account does not belong to me.
I received a letter dated X/X/17 and like all other accounts associated with XXXX, I have no knowledge of this account. Prior to filing this complaint I called the credit bureau and was informed that the original creditor XXXX company provided proof that the account was n't mine and deleted all files associated with it. When I tried to call because I have no idea what this is from the customer service agents was unable to speak with me unless I verified my information. I gave her my social and the account number furnished on my report. She was unable to speak with me as the information didnt match. When I asked her to send me a letter stating they had the wrong information the call conveniently disconnected. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on/remove it from my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. I have never had an XXXX account and I have no knowledge of this account.
Product: Credit reporting or other personal consumer reports

Experian has been falsely advertising Experian boost saying that they can use your utility bills to raise your credit score. I signed up for it over a year ago and it doesn't count me paying my utility bills or my insurance payments. I pay them every month and they are not showing up. I tried to call Experian on the two phone numbers I can find to speak with someone about it ( ( XXXX ) XXXX and XXXX ) and I can never get a live agent to talk to about what is going on. The automated system gives me the run around. For something as important as my credit and my credit score I should be able to speak with a live agent when the automated system is not helping me. This is stopping me from purchasing a home and if I am not able to get everything in order my family may be homeless.
Product: Money transfers

I want to depute a wire international transfer I made with USBank on XXXX/XXXX/16 for the amount of {$4100.00} the money should have arrived no later then XXXX/XXXX/2016 it.s now been more than 15 day and nobody knows what happened to the wire transfer. According to USBank the money was deposit and it should already been deposit to the account I provide to them but the deposit was never made. I have a copy of the wire transfer along with copies from the international back account receipt showing the money was never deposit. I want to find out what happen to the money so hopefully we can resolve this issue accordingly thanks.
Product: Checking or savings account

On XXXX/XXXX/2017 I had {$1.00} cents in my account and on the XXXX, XXXX submitted a payment request to the bank. With out my consent the bank went along and received it, and since then until now they have been accepting this request from XXXX after i called XXXX and payed with my XXXX XXXX card and they took out the money, now the bank being they acceptedthe XXXX  request, XXXX XXXX has returned my monies so the bank continues to received the request for {$53.00} and continues to take out monies {$35.00} since that day until now and has left my account on a negative balance for {$100.00}. 
I called XXXX and they said they have not send the request in, because it shows paid on the account, i have spoken since the beginning with the bank and to no avail, i am not responsibllle for the banks server errors, and my proof shows that my account with XXXX has been paid by bank. Now why do they continue to charge me {$35.00} each and everytime until XXXX/XXXX/2017 and has left my account in the hole. I have taken my direct deposit out and place it some where else, and i try to close my account and they said i am negative, no I am not negative, i still have {$1.00} in my account if they did n't make this mistake ... I need help if you can ... it is Bank of America
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have sent out multiple dispute letters to the 3 bureaus ( Equifax, XXXX, XXXX  ) with very little success. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are Unathorized and I want them off my credit. The bureaus continuouslly stall and its very annoying.
Product: Debt collection

I have applied for a loan to pay off all my debt I contacted the collection agency Radius Global Solutions in conjunction with XXXX, XXXX XXXX XXXX XXXX XXXX to get a payoff statement or letter to be faxed over to the lender so they can issue out a check. This company will not comply with us we have been trying to reach out to this company for 2 weeks now beginning XX/XX/2021through XX/XX/2021. Every time I called this company they keep telling me that they're going to fax over a payoff letter and never do so. They not complying with us to resolve this matter to pay off this debt. We've been told one lie after another lie we never received any letter from them in the mail saying that we owe them anything as well. Due to them not sending over a payoff statement to the lender this is holding up our process of refinancing our home because the lender needs a payoff statement so we can pay off this debt. So we can move forward with our refinance this has pushed our refinance back because they will not comply and fax over the payoff statement. This is costng us money and time to get this done.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.