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

Hello It's been more than seven times I had to call Wells Fargo about an overdraft fee " wrongly applied automatically '' when one of my accounts went below XXXX dollars. I have been through a financial crisis and this had happened occasionally. The current agreement with the bank is that if the user deposit the money back before XXXX XXXX ( or closing time ) of the same day they do not apply the overdraft fee ( When I opened the account the time period was 24h, they shortened on their parts without notice ). 
In my case I wake up with an alert that overnight my account went to negative numbers and when in the curse of the same morning I seat to transfer money they have already applied the fee.. Seven times I had to get trough customer representative that can not do anything, they supervisors that recognize the transaction occurred overnight and the alert was sent in the morning so logically I don't have time o do anything before being charged, they can not do anything either. So it goes to the next level, a customer care specialist that says is the system that do it automatically so is not their fault even after concede to the fact they're not honoring the agreement and that this is happening to a user that is logically having financial problems. When they wave the fee, they always call it a " courtesy '' and I always demand to call it properly because it may looks that the problem is in my part and is not. 

This time a transaction of USD {$9.00} at XXXX XXXX  left my account at - {$5.00} I received an alert at XXXX XXXX  and at XXXX I had an Overdraft fee applied to my account. They didn't waved the fee this time because is has been to many courtesies. 

There was a time when something similar happened but I was awake working in the middle of the night and transferred funds to that account but given the hours the bank didn't made the transfer until XXXX XXXX  so when the transfer occurred they had already applied the overdraft fee so the account went XXXX again so another overdraft fee was applied when I woke up I had {$85.00} negative on my account. They applied an overdraft fee on top on an overdraft fee. When I called and went through the process they waved it but they called it a courtesy again ... 

This is the bank that is saying everywhere they're refunded on XX/XX/2018. They're not honoring they words and agreements and when they call " a courtesy '' they don't recognize they have an issue whit their system and logically don't do anything to solved.
Product: Mortgage

Hello I had a loan serviced by Freedom Mortgage. They claimed to issue an XXXX refund of {$5600.00} on XX/XX/XXXX. I never received this payment. I called in early XXXX and was told that I would receive a replacement check by XX/XX/XXXX. I never received the check. I called on XX/XX/XXXX and was told they could not reissue the check since there is a new servicer, XXXX. Its not been almost XXXX months and I have not received my money and I keep getting bounced around with no line of sight of my money. I cant keep spending my time chasing this down
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX {$2500.00} XXXX. I have reached out to XXXX in reference to this account. The account is reporting inaccurate information. 90days late payment without it ever reporting 30 or 60day late.which is a violation of fair credit reporting act.
Product: Checking or savings account

PayPal is disabled my account. PayPal permanently limiting my account without any reasons. My account is active and it is in good standing, I do not have any dispute transaction either. I already spoke to multiple representatives and they not even helping me. Its been more than a month. Please take action against PayPal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was attempting to get a XXXX loan for school from Sallie Mae. They did a hard inquiry on XXXX XXXX and then wanted a co-signer. They were sending me info that was incorrect and someone from Sallie Mae talked me into doing another application and said it would only be a soft inquiry and would not affect my score. This was only 29 days apart. Immediately on transition my score dropped and there are two educational hard inquiries on my file within 30 days. I know this is not correct and they should have only done one hard inquiry. I contacted Sallie Mae and they put it off on XXXX. I contacted XXXX and they said Sallie Mae has to send something. I want this inquiry into off my credit report. Please help me as neither agency will do what they are supposed to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX run my credit with out my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I noticed there has been a negative and inaccurate reporting on my XXXX credit report that had been removed previously and I put a freeze on my credit report prior to this negative reporting. I called the company and requested more information about this alleged debt and even gave my current address and I never got the demand notice or any details about this account. I called XXXX and asked was this account verified before being put on my credit report and they said no but i can do a investigation. I asked what was the purpose of me doing a freeze on my credit report to protect my score if XXXX  was going to allow companies to place inaccurate accounts and get money from me that I dont owe. After the investigation was done XXXX  removed the account and sent me a notice saying it was deleted. 3 Months later I applied for a business line of credit for {$45.00} and this was not a hard pull however they review the tradelines and collection account and available credit. I was denied the loan due to this same account put back on my credit report that didnt belong to me. I was furious about this same account and i called XXXX  again and another investigation was done and XXXX rep stated it was accurate and it was kept on my credit report causing my score to drop from a XXXX to XXXX according to the loan people where I was trying to get a business loan from. They told me this account from XXXX  caused me to get denied. I told XXXX  I never had a contract agreement with XXXX. Aftergoing back and fourth with XXXX  and asking for a deeper investigation and got no help from them I called the company that placed this bogus account on my credit report and they had no correct information on me. they didnt have my ss # so how they put it on my credit report is beyond me. They had all wrong addresses, the wrong place of employment and wrong date of birth. I guess they put it on a credit report of a person who has the same name as the person they are lookng for. after the irrate calls i had with many XXXX rep they finally looked into it and the company said they have no information matching me in their system and then had the nerve to ask me to send in my correct name and social security number and date of birth so they can make sure and I hung up the phone so quick because it didnt sound right. XXXX  finally removed it after it caused me to lose my business loan that cause me to lose out on business and money. XXXX  never verified the debt or they would have known this was not mine and the company kept re adding this to my credit report. My rights have been violated and XXXX  has violated my rights and placed false and misleading information on my credit report and deafirmation of character. I am looking to sue the collection agency and XXXX per violation. alot of rules of the FDCPA was broken, FTC AND CFPB AND FCRA.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specif

ically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements 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 those violations.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block , inc ) due to inadequate customer service and unfair practices which violated the Consumer Financial Protection Act ( CFPA ) .Specifically, Cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulations E.These actions have caused significant inconvenience and financial loss and I seek appropriate actions for these violations
Product: Debt collection

XXXX XXXX XXXX  sold this off it seems when it was PAID in full over a year ago this is incorrect and needs to be completely remove before legal action is taken
Product: Credit reporting

I filed a complaint with TransUnion because a tax lien that is over 7 years old is still on my credit report. XXXX has removed it, but TU and XXXX have not. They replied with a very unclear confirmation that there was a tax lien. That was not my dispute and they never addressed the underlying dispute reason. The system appears to be very automated and makes no sense. The only option at this point was to fill out a XXXX page form and mail it somewhere. No telephone number was provided either at the initial dispute or to challenge and contact them. Uploaded screenshot shows how poorly the reply addresses my complaint that it 's been 7 years since the lien was filed and paying it and having it released should not re-age the lien. All they offer me is basically the chance to go through their automated nonsense again. https : //onlinedispute.transunion.com/oda/dispute/forms/InvestigationRequest_Chester.pdf
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX : XXXX -- -> : {$1100.00} FAIR COLLECTIONS & OUT : XXXX -- -> : {$3100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit reports I noticed that you are continuously alleging that the following account is a negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove-all negative and adverse remarks. 

XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX # XXXX As you know it is against the law to report any information not proven accurate. There are also plenty of violations I found with this account.Ive sent multiple letters for you to verify the accounts yet yall are reporting the accounts as verified but each Credit bureau Are still reporting incorrect and inaccurate information. 

XXXX. The following XXXX XXXX account XXXX account was charged off as of ( XX/XX/XXXX ) Since then the account has repeatedly been updated as charged off every month consecutively over 26 times. 

The following XXXX # XXXX account was charged off as of XX/XX/XXXX Since then the account has repeatedly been updated as charged off every month consecutively over 26 time and also has an updated closed date and payment date. 

This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. I HAVE ATTACHED THE CREDIT REPORT AND HIGHLIGHTED THE INACCURATE FRIVOLOUS INFORMATION. 

2. 26 violations have been found ; every time you report updated knowing this account is a charge-off which is illegal.

3. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 4. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive reports. ( you are not a party in the alleged debt ) 5. Violated 18 USC 1028-A Aggravated IdentityTheft ( which you have furnished frivolous-information reported in my name and yet still not validated this alleged debt.

6. Violated 15 USC C 1681 Civil liability willful non compliance information reported in my name and yet still not validated this alleged debt. 





According to FCRA Section 604 ( A ) ( 3 ), FCRASection 623 FCRA Section 611 ( A ) ( 1 ) you are obligated to pay me {$1000.00} for each violation. The damages, and mental/emotional stress to my children and myself. The injuries you caused me. This is unacceptable and you have broken several laws repeatedly. I have filed a complaint with the FTC as well. I demand you to remove this account effectively and pay the attached invoice and compensate me.Also, mail me a copy of the updated credit report. 


Every time they lie and validated the information it changes to something different, Ive been asking for months to verify and they havent properly verified and there still updating charge off accounts which manipulates the statue of limitations. 




Best Regards, XXXX XXXX Without Prejudice, All Natural Inalienable Rights
Product: Prepaid card

Try to call customer support to ask why they started charging fees for ATM withdrawals. 
Like ALWAYS a recording says to call back during non peak hours and hangs up on me. 
This is a government benefit card that people rely on to live and are not even put on hold!
Product: Debt collection

My car was totaled out and the car was financed through western funding. XXXX paid the company so Im not sure why there is a XXXX balance reported to my credit report and also sold XXXX. That is a violation of my consumer rights .So both are sitting on my credit report without my permission I am not aware of this balance and was never notified of such
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX falsely reported XXXX late payments on my account. 

Santander lost my original contract I never signed a contract with XXXX XXXX tried to get me to pay for my car note twice in one month which is ( {$1200.00} ) and is holding it over me I paid what I agreed which is one payment a month with Santander which is ( {$630.00} ) a month which Ive done and are currently doing But they are making the other payment that was not in the contract, affect my credit and the loan amount with late fees over {$200.00} when originally my late fee is {$50.00} but since XXXX took my contract without my consent they made it {$200.00} It is unfair and unjust since Ive never been late on an auto payment until this situation Ive reached out multiple times and never hear back from there office unless its to pressure me into paying the a extra additional unjust fee
Product: Credit reporting

Today I received in the XXXX Mail my " TransUnion '' credit report dated " XXXX/XXXX/2016. '' Under the section entitled " Addresses Reported '' it has currently living at : " XXXX XXXX XXXX ; XXXX, CA ; XXXX. '' I am the victim of Identity Theft. I had previously called " TransUnion '' to ask them to please " Delete '' this fake " XXXX XXXX XXXX ; XXXX, CA ; XXXX '' off from my " TransUnion '' credit file and they wanted to " pay them '' first to do so! I have lived in XXXX, California for the XXXX consecutive years. I do n't even know " XXXX, California '' is even located at.
Product: Credit reporting or other personal consumer reports

I was a victim of bank hacking and fraud, that fraudsters stole all my money from my bank account occurring throughout XXXX and XXXX of XXXX, and an investigation followed until XX/XX/XXXX, during that time my hacked bank accounts were frozen, and I had to have a new bank accounts issued in XXXX and XXXX of which caused some issues with delayed payments. I submitted a letter to UMB corporate office explaining the situation as they marked me 30 days late in XXXX of XXXX, but to this date I never received a response to that letter. I filed a complaint with the credit reporting bureaus on XX/XX/XXXXXXXX  and attached all documentation of the fraud and issues that were beyond my control, if UMB could act fairly and consider the circumstances as I have never had a late payment until this bank fraud occurred. The Credit Bureaus conducted an investigation and the UMB credit card company refused to remove the 30-day late mark against my credit report, causing a XXXX score drop on my credit report. The UMB credit card company is acting unfairly by refusing to consider issues beyond my control and the very serious issue of bank fraud, stolen identity and stolen money. The UMB bank has a statement on every month statements advising that they will consider if you are having a hard time due to the current health pandemic, to contact them for arrangements, but they won't act fairly or consider when a customer tries to explain they are a victim of stolen identity, bank fraud and criminal actions, nor consider relief and remove the 30-day late mark from my credit report.
Product: Credit reporting or other personal consumer reports

THESE ARE NOT MINE, I DID NOT BENEFIT FROM ANY OF THESE.
Product: Credit card or prepaid card

I used the " Pay My Provider '' application on the CareCredit.com website, a credit card managed by Synchrony Bank for a service I received on XXXX XXXX at XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. And two separate charges appeared on my credit card statement for statement closing date XX/XX/XXXX, posted on XX/XX/XXXX. One charge for {$530.00} to XXXX XXXX XXXX XXXX XXXX XXXX FL, and another charge of {$430.00} to XXXX XXXX XXXX XXXX XXXX XXXX FL. 

However, my medical provider that was supposed to be paid by Care Credit for the procedure I had says they have not received payment from care credit for the charges indicated above and I still have a balance due. 

I sent a certified letter with return receipt which was post marked on XX/XX/XXXX and per certified tracking was received at the address XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX FL XXXX on XX/XX/XXXX. I expected to be notified in writing within 30 days of Care Credits Billing Error 's receipt of the letter that the dispute had been acknowledged BUT I WAS NOT. Furthermore, I did not receive a notice regarding the resolution to my dispute in writing or otherwise, but I was after 60 days required to continue to make minimum payments. 

I sent electronic correspondence on XX/XX/XXXX through Synchrony Bank 's message center documenting their lack of response to my dispute, along with attachments provided to my from XXXX XXXX XXXX billing department of my patient ledger of all payments made to the account for the service provided to me on XX/XX/XXXX, all of which were paid directly by me and not by Synchrony Bank Care Credit. In response I received on XX/XX/XXXX is that they would use the attachments I provided in their investigation into the dispute. I have not heard back since. 

I have reached out to both XXXX XXXX Billing department and Care Credit to resolve the payment discrepancy between themselves, but each department is pointing me to the other party. In other words Care Credit wants XXXX XXXX to call them and XXXX XXXX wants Care credit to call them. Now I still owe both XXXX XXXX and Care Credit for the same procedure I had completed on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Debt with The Cash Store that I paid in XX/XX/2020 through the collections company they sold it to, XXXX XXXX XXXX  ( XXXX ). I was told by XXXX XXXX XXXX that it would be removed from my credit reports ( all 3 ) within 30 days. I called 30 days later to tell them that it had not been removed and they said it was because I had to call them to request it be removed and that it would be done in ... 30 days. By then the holidays were happening and I didn't check again until XXXX. Still on all 3 reports. 

I called again and was told that it looked like no one had put in the request and it would be removed in ... thirty days. 

I called back early XXXX and was told that they don't remove collections, they just take payment and it would take 7 years to " fall off ''. I told them I had called several times before and no one had told me that. The woman said that she could see I had called but they don't remove collections they just report it paid and to be a {$0.00} balance and if I wanted it removed I would have to call the originating company, The Cash Store.

I called The Cash Store and they told me that only XXXX could have it removed, or I could call each individual credit agency, which I did. They took a dispute but so far, 2 of 3 put the dispute in as being a dispute about the amount, which it is not. 

I have submitted a complaint with XXXX  and tried calling XXXX back several times but they keep telling me that they do not remove collections. 

I am trying to get financing to purchase a home. During that process over the past year I paid off my debts and had no problem getting other collections, some for much higher balances and at least ONE other that was settled through XXXX, removed. I do not understand why The Cash Store and/or XXXX will not remove this last account but I would like it either done, or explained. 

Thank you for your time.
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my accounts. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report these late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX  Account Number: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: Debt collection

XX/XX/year> Resurgent Capital Services sent me a letter about money that is owed for a debt of credit from XXXXXXXX XXXX XXXX  for the amount of XXXX which I never opened. The letter indicated that this may be forwarded to an attorney for a possible lawsuit.