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

On XX/XX/2018 @ XXXX I had checked my bank account to confirm my balances and I had a large positive balance. No fees. 

On XX/XX/2018- 4 transactions hit my account at same time. At about XXXX, the processed a {$850.00} check, a bill pay on a utility, direct deposit and overdraft fee. 

To me the overdraft fee shouldn't have been applied because despite the bill transactions including the direct deposit there was more than enough money available to cover both transactions.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I filed an identity theft report due to the violation of laws of 15USC 1681b, 16USC1681q, and 18USC 1028A. Please remove this public record from my consumer reports immediately. 

Consumer Reporting Agency : XXXX Record type XXXX XXXX XXXX XXXX XXXXXXXX Date filed : XX/XX/XXXX Date resolved : XX/XX/XXXX Responsibility : Individual Reference number : XXXX Consumer Reporting Agency : Equifax Case number : XXXX Bankruptcy disposition : XXXX XXXX Date filed : XX/XX/XXXX Date reported : XX/XX/XXXX Consumer Reporting Agency : XXXX Record Name : XXXX XXXX XXXX XXXX Number : XXXX Type : XXXX XXXX XXXX XXXXXXXX Date Filed : XX/XX/XXXX
Product: Credit card or prepaid card

Our PNC Core Visa was set for auto-pay every month. There was an error when setting up auto pay and rather than having it set for the XXXX of every month ( card 's due date ), it was set to the XXXX of every month. Due to online statements, and the fact that the card was not being reported as late, we did not notice that we were being charged late fees since XX/XX/2023. When I called PNC and spoke to both a customer service representative AND a supervisor, I was told that they would only refund one month 's late fee. The unfairness here is that PNC was BOTH collecting their minimum payment due on the account AND a late fee for payment that was received within 48 hours of the due date. PNC has reaped {$100.00} in late fees from us, even though they've been receiving their regular payment monthly.
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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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 XXXXXX/XX/XXXX
Product: Mortgage

Instead of providing a loan estimate document, GMCC started processing the refinancing straight away. 
1. Getting a basic loan estimate was difficult. Lender asked me to submit all my paperwork and ran my credit report before they gave me a loan estimate or Loan worksheet. Agent send me an email quoting the loan estimate 0.375 ( instead of 3.75 ) and XXXX closing cost, which was the promised rate. When I received the final loan estimate closing cost became {$13000.00} ( This includes a portion of my property tax around {$6800.00}, but still it is still way more than they promised. 
2. In order to get a Loan Estimate I had to provide all my personal details and financial information over an unsecured email conversation.

3. Communication was misleading and forced me to e-sign a refinancing the mortgage before seeing a loan estimate. 
4. Manipulative in the way the agent/company processed 5. They provided me an loan estimate after several days and several emails and still has excessive closing costs which was not promised 6. GMCC   send me a document to e-sign by mentioning that acknowledgement of receipt of loan estimate, which was never sent to me. After insisting for a real loan estimate, they finally sent me one.
Product: Debt collection

XX/XX/2022 XXXX XXXX i receved a call from XXXX XXXX police department economic crimes unit on XX/XX/2022 from detective XXXX XXXX # ( XXXX ) notfy me they arrested two people who had all my information. they had my ssn id and cell phoe they ask if i gave them permission to have my belongs i replyed no and like two yaers ago somebody broke in to my car stoled at my partner work place with all information for some to use my name for any reson and now two years later i recived calls and debt collection letters from protfolio recovery aassociate llc own your account basically from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ut XXXX them stating i have an account with them witch i never opend with they clam my acount number is XXXX and that i oew them over XXXX dollers i talked to them befor about it they wont freze my acount they keep sending me letters they even gave me a differnt address on the account witch that i never heard or even been at that location the adress on the statement is XXXX XXXX XXXX XXXX ca XXXX XXXX i never resedent nor lived in that adress im still resiving bills for that account if need to know more information like proff of this my email XXXX my # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection account appeared on my report from a third party affiliated with XXXX called RECEIVABLES PERFORMANCE which does not belong to me. I was never contacted and this is against the FCR act. I am prepared to take legal action.
Product: Credit reporting or other personal consumer reports

Transunion recently ( around mid XXXX XXXX XXXX ) reduced my credit score. When I inquired as to why they advised that two accounts ( XXXX XXXX and XXXX ) had excessively high balances. I informed them that both accounts were installment loan accounts and that the status on both were at or below their scheduled balances and there were no late payments on either. Transunion indicated that they would investigate and report back to me. 

On XX/XX/year> I contacted TransUnion to get an update and was informed that the two accounts had been updated and were accurate. They also informed me that the issue was that I had three accounts that were in excess of {$10000.00} which were deemed excessive by TransUnion. The three are my mortgage account, a car loan, and an installment loan for a solar system. All three have payment history 's of over two years with no late payments. 

Why is my credit score being lowered when I am up to date on all of my accounts and have no adverse credit issues? 

I acn be reached at XXXX if you need more information. 


XXXX XXXX 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 : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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: Credit reporting, credit repair services, or other personal consumer reports

We were erroneously reported to the credit bureau for a delinquent payment with BMW Financial that isn't accurate and is impacting our credit score and the ability to get a Home Equity Loan needed for improvements to our home. 

We have submitted a written request to BMW Financial in writing as requested and haven't gotten much response other than the fact that they don't have a record ( according to their customer service representative ) of being reported for a delinquent payment. 

We have impeccable credit and very little debt and this error in our credit report has impacted us severely and need it resolved as soon as possible. 

We have documentation that our account is current, in good standing and up to date as it always has been.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX account XXXX has violated my rights 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 604 A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction Please remove these accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit reporting Act XXXX, transunion, XXXX has violated my federally protected consumer rights to privacy 15 USC 1681 section 602 A states I have a right to privacy These addresses do not belong on my credit report Please delete all inaccurate personal information XXXX XXXX XXXX Former XXXX XXXX XXXX Previous Address XXXX es ) : XXXX XXXX XXXX XXXX XXXX FL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX FL XXXX Former XXXX XXXX XXXX Former : XXXX XXXX Also Known As XXXX XXXX XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX ( es ) : XXXX XXXX XXXX XXXX FL XXXX
Product: Mortgage

Bank of America is in the process of foreclosing on my home. I would like to sell and avoid foreclosure
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally file a complaint against Experian regarding the presence of inaccurate information on my credit report. On XX/XX/2023, I initiated communication with Experian to address and rectify the inaccuracies detailed below. However, as of the current date, I have not received any response or resolution from Experian. The following outlines the specifics of the disputed account and the necessary corrective measures : Account Information : Account Number : XXXX Date Opened : XX/XX/2023 Balance : {$3100.00} Original Creditor : COLLECTION I am asserting that the account linked to the account number XXXX, established on XX/XX/2023, and associated with the original creditor COLLECTION, does not belong to me. Consequently, I am requesting that Experian promptly eliminates this inaccurate account from my credit report.
Product: Credit card or prepaid card

I called the us bank to make sure they are not charging me late fee 's. 
Under the SEC. 4021. CREDIT PROTECTION DURING COVID19, IT CLEARLY STATES THAT they can not charge me lates. 
when i called they say that i have been late and they are going to report it as a collection my credit report. 
They are not suppose to do this under this national emergency. 
They told me that they dont know the law and are acting stupid.
Product: Mortgage

I have a mortgage with Citi-Financial and have not seen a principal reduction in over 2 years even though I pay my Mortgage payment every month. They tell me it is because I pay late but I can not understand why I have to pay 100 % interest.
Product: Checking or savings account

I have been a member with M & T Bank for over 12 years and held various accounts with them over the period of time that I was a customer. Earlier this year, I put in a dispute for charges on my card that were subsequently denied for some reason. The dispute was valid, but I was advised that when M & T makes a decision on a dispute, there is no secondary review. After denying my dispute, all transactions were reversed sending my account into a negative balance ( something I had not experienced in quite a while because I changed my account type so that it can not overdraft ). I then received a letter from the bank giving me a very short period to pay the money ( that I should not have owed in the first place ) back into the account or else my account would be terminated. As a customer that has used MTB as my primary bank and moved well over {$100000.00} through the institution, this was a painful experience and caused many issues in my life because most of my bills were linked to my M & T personal account. Outside of losing my account, M & T left me with a balance that I feel was not properly investigated at all. I have been a victim of fraud in the past and this has been documented with M & T but they still closed my account.
Product: Debt collection

On XX/XX/2024, {$4900.00} was deposited into my savings account. On XX/XX/2024, XXXX unauthorized debit withdrawals we made by Navy Federal Credit Union, or its affiliates, in the following amounts : {$150.00}, {$1800.00}, and {$2400.00}. Despite having enabled notifications of all account transactions made through Navy Federal Credit Union and despite having received a notification of the initial deposit amount of {$4900.00}, I received no such notifications in any of the XXXX unauthorized withdrawalsan interesting occurrence, considering the purpose of having notifications enabled at all. 

Immediately following the discovery of these transactions, I placed a phone call to Navy Federal Credit Unions customer service line to obtain further information. In summary, the customer service representative explained I had unpaid debt with Navy Federal and then transferred the phone call to Navy Federal Credit Unions debt collection department, where all of the following untrue and deceptive statements were actually made : 1. I signed an agreement that allows Navy Federal Credit Union to withdraw my funds from any of my accounts, at any time, without notice, to pay off delinquent accounts with Navy Federal Credit Union and/or its affiliates. 
2. Navy Federal Credit Union was acting within the confines of Federal Law. [ Specifically, the Dodd-Frank Wall Street Reform and Consumer Protection Act. ] 3. The only way any money would be returned to me at all is by settling my debts owed. 
4. That the unpaid balance owed did not include interest Furthermore, I am unable to submit a declaration of fraudulent activity through neither mobile banking nor desktop website, because the transactions in question are not shown in the report fraud section of the website as they are shown in the mobile banking statement. 

On XX/XX/2024, I included the declaration above in a letter, along with a statement informing Navy Federal Credit Union that I would contact XXXX if my funds were not returned. In response, I was given a phone number to call, but no funds were returned. 

Today, XX/XX/2024, I called the phone number provided in the response from Navy Federal. I was told my funds would not be returned because they were used to pay off my delinquent accounts with Navy Federal Credit Union : Credit Card, Auto Loan, and Personal Loan -- all of which are now paid in full. No documentation supporting this claim has been provided, and I did not agree to any settlement.
Product: Debt collection

XXXX XXXX XXXX added derogatory marks on my credit file in the amount of {$1200.00}. I disputed this claim on ( XX/XX/XXXX ) this is not my debt and fraudulent activity with this account. I've never had a signed contract and /or account with said company. YOU HAVE NOT PROVIDED ME A COPY OF ANY ORIGINAL DOCUMENTATION REQUIRED UNDER SECTION 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with signature on it ) and under SECTION 611 ( 5 ) ( A ) of the FCRA- you are required to " PROMPTLY DELETE all information which can not be verified. Fast forward to XX/XX/XXXX i was notified by my job that I HAVE A GARNISHMENT against me which is 10 % of my paycheck is being GARNISHED every week. you are negatively affecting my credit report. IF THE ACCOUNT IS NOT DELETED, I WILL BE FORCED TO CONTACT THE XXXX  AND LEGAL COUNSEL TO FILE SUIT.
Product: Credit reporting or other personal consumer reports

I am disputing a 60-day late payment reported for XXXX on my credit file by XXXX. I have reviewed my records and did not miss a payment for that month. My account was placed under disaster forbearance due to the California fires. On XX/XX/XXXX, I made a payment and established a payment plan indicating that payments would not resume until XXXX. Based on my consistent history of timely payments and the documented forbearance, I request that XXXX remove this inaccurate 60-day late payment notation from my credit report and confirm the correction in writing.
Product: Student loan

On XX/XX/2022. I paid FedLoan {$25000.00} which took my {$53000.00} loan amount down to 28,000.00 which the FedLoan app showed once the payment was received. The very next day the app show a balance of {$38000.00}. I called to ask about my payment and when my money when. I was told they didnt know where to apply the money for my loans to. The lady ask me if I wanted the money applied to my loans or the interest? I stated all of it should go to my loans. Now my balance is {$32000.00}. My balance should be {$28000.00}. This is fraud. Its illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Experian, XXXX, XXXX, and XXXX XXXX have continued to report me as deceased, this has continued despite their lawful obligation to do " maximum due diligence ''. for 1 year now i have disputed this information every month. it continues to appear to this day. i am not deceased i have asked to cease letters to my estate asking for payment. the harassment continues. this has caused tremendous damage to my life relationship and credit and finance. all of my cards have been shut off and reported to affilates and networks over illegally.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I received notification that a hard inquiry hit my report Via XXXX XXXX. I contacted the company to let them know that I did not authorize the inquiry, and I was told that I would need to wait 5 days until it could be reversed. I continually tried to call the company until I was told I would have to dispute with the credit bureaus. When I disputed said information to Transunion and requested validation, I would receive a response that the information was validated. On XX/XX/2023 I sent correspondence to the company requesting validation, according the Fair Credit Reporting Act I am entitled to be shown an original contract bearing my wet signature authorizing this transaction.
Product: Money transfer, virtual currency, or money service

A customer made a payment on XXXX. 

The payment was received. 

It was a contractually obligated payment for rent and deposit. 

XXXX the tenant disputed the charges. 

I called and the tenant claimed they didn't dispute the charges. 

The money was removed from my account and given to the tenant with no authorization from account holder. 

I messaged and called Venmo and they said it's already done. 

They do not have that authority to steal money from my account to give to someone. This is fraud. They won't resolve it. So now I'm here asking for consumer protection.
Product: Student loan

I was inappropriately advised that I needed to recertify my income driven repayment plan by Fedloan and the XXXX, leading to an increase in my monthly payments of {$100.00}. On both XXXX and on XXXX websites I would get alerts " it's time to recertify! '' and yet nowhere on the XXXX servicing website nor the XXXX was it listed that I was not required to under the CARES act ; no where, clear as day or as clear as the " it's time to recertify! * '' was there also an alert that clearly said *but you don't have to! The information given threatened to put me on a standard repayment plan if I did not recertify immediately. Recertifying when I did not need to has led to my payments increasing {$100.00}, from {$280.00} to {$390.00}.
Product: Checking or savings account

1. ) On XX/XX/2023, a fully endorsed and completed and signed Wells Fargo Bank ( XXXX ) check ( # XXXX ), was made out to XXXX XXXX XXXX and XXXX XXXX. XXXX, in the amount of {$280.00}, and was stolen out of my home mailbox in Maryland. 
2. ) On XX/XX/2023, the criminal presented stolen/ washed / altered WFB check # XXXX for deposit at an ATM at a XXXX XXXX  in XXXX Maryland. 
3. ) On XX/XX/2023, I received my WFB XXXX bank statement, which showed that stolen/ washed / altered WFB check # XXXX was deposited - at a XXXX XXXX  - made out to a criminal named XXXX XXXX, in the amount of {$14000.00}. 
4. ) On XX/XX/2023, WFB was notified @ XXXX - to report stolen/ washed/ altered WFB check # XXXX - is check fraud / forgery, and given ref. # XXXX. 
5. ) On XX/XX/2023, the check fraud / forgery of stolen/ washed/ altered WFB check {$2600.00} was reported in person at a WFB, with ref. # XXXX. WFB assured a complete / concise / accurate / competent review of the check fraud claim. 
6. ) On XX/XX/2023, the check fraud claim was DENIED AND CLOSED! 

I have completed : an online FBI/U.S. Postal Inspection Service report ; an in person WFB Affidavit Check Fraud form ; and in person interview and XXXX XXXX Maryland police report. The detective doing my interview, stated without question ( comparing WFB # XXXX - to other checks that I had written to pay my insurance premium ), that the stolen/ washed / altered check, is an obvious fraud / forgery. 

I have repeated : In person, to many WFB employees - that the stolen/ washed / altered WFB check # XXXX is a fraud / forgery ; via multiple emails, fax, and telephone conversations that stolen/ washed / altered WFB check # XXXX is a fraud / forgery. My local WFB branch associate, like the police detective, stated that the stolen/ washed/ altered check was an obvious fraud / forgery. 

I am a 40 year WFB customer in excellent standing, with three separate accounts. and my COMPLAINT is this : 1. ) WFB ( the Claims Assistance Center ) refuses to acknowledge that WFB stolen/ washed / check # XXXX is a fraud / forgery ; 2. ) XXXX XXXX  has deemed WFB check # XXXX is a fraud / forgery, and has not released the {$14000.00}, but Wells Fargo Bank has NOT DETERMINED stolen/ washed / altered check # XXXX is a fraud / forgery ; XXXX. ) Wells Fargo Bank refuses to request the {$14000.00} back from XXXX XXXX- so now my WFB district manager, has taken the conflict / review to " an executive " level - in order to get the {$14000.00} back ; 4. ) How is this happening?

5. ) Why?