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

Hi I'm writing because I've had account mishandling where my gov pension has been being deposited in my account and an my debit card is being treated like a secondary holders card and when I opened it I told them there are not to be no other users by no one current wife or no one I back in XXXX or XXXX opened the account that was never closed properly in XXXX at the XXXX XXXX branch as I requested due to someone bought shares into the branch that I couldn't see there is a woman with another branch card or personal identifying card of mine an it was linked to my checking not by me and in XXXX at the XXXX XXXX in XXXX XXXX XXXX where the branch manager opened the account was told no one else was to be on the account I was at the ATM to make one a XXXX dollar with draw saw a special veteran benefit deposited in my account around XXXX dollars and the other cardholder withdrew XXXX and the account immediately closed I alerted the branch an call the police where I was disrespected and was told to leave the branch this mishandling that has been going on for yr since I opened the account all money electronic deposits were for me and I received none of my payment for a yr and all money traveling threw the account has fraudulently been given to someone else I'm reporting full bank fraud on all transactions at this bank my device for reviewing secure text messages was stolen and I believe my still be actively being used I'm requesting a full investigation of all transactions in this account and am claiming full fraud and mishandling for every US Dollars traveling thru and transfers an Im asking that you look at cameras to stores transfers and electronic deposits a woman is behind this and as well a girl XXXX XXXX filed a fraud marriage being investigated by the FBI when she got info that I would be receiving pension veteran payments the best mailing address til I get a secure post office box for this moment I do not have and can only receive message and text to XXXX best to text and leave call info or message or XXXX I'm getting my LLC and opening with a different bank please know I only open the accounts deposited XXXX in XXXX withdrew that XXXX and withdrew XXXX dollars all at the branch all moble transactions are fraud as well as all those deposits were stolen please assist if u have a office I'd rather self represent and I and a active federal employee thank u for all your assistance call or text anytime u may have to try more than once thx XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I received a notification message that, my PayPal Account is limited permanently, I have contacted the responsible company to resolve the issue to me, but upto now no feedback received on my end.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX allows XXXX XXXX to take out two loans in my name and my dad 's name without our consent. XXXX XXXX tried to get me to agree to a loan over the phone, and I told them no that I do not consent and to not process the loan. The woman told me she was going to fill out the loans anyway, and I called XXXX to try to stop it. XXXX processed loans without our signature or authorization. I did everything I could do to prevent the loan, and I have been fighting it for 13 years. XXXX also lied to get payments about who they were. XXXX  acts like they are going to investigate an issue, but they just respond to companies that they will work with the parties and leaves the information the same. XXXX illegally allowed a college to take out as many loans as possible using my name and dad 's when I was XXXX trying to take advantage of us. XXXX College failed to also put the correct amount of funds they received on the account. XXXX took out XXXX in loans in my name and dad 's through XXXX, and XXXX received XXXX in federal loans and pell from my account. The total cost for my education was XXXX. They owed me money and took my FAFSA and tax papers to fill out the loans. XXXX college 's statements do not acknowledge the amount of money they received from federal aid and federal Pell grants. I have the documents, and I have tried for years to get the issue resolved, and tried to prevent it. XXXX and XXXX worked together to do this. Avoid XXXX and XXXX University college.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$650.00} XX/XX/XXXX, XXXX XXXX XXXX XXXX {$27000.00} XX/XX/XXXX, XXXX XXXX XXXX XXXX {$19000.00} XX/XX/XXXX, XXXX XXXX  {$9500.00} XX/XX/XXXX, XXXX XXXX XXXX {$5800.00} XX/XX/XXXX, XXXX XXXX XXXX {$950.00} XX/XX/XXXX, XXXX XXXX XXXX {$400.00} XX/XX/XXXX, XXXX XXXX  {$220000.00} XX/XX/XXXX, XXXX XXXX  XXXX {$220000.00} XX/XX/XXXX, XXXX  XXXX/XXXX  {$220.00} XX/XX/XXXX, XXXX XXXX/XXXX  {$400.00} XX/XX/XXXX. I have reached out to each individual creditor listed above letting them know that I have never opened, used or applied for any of these accounts. I have filed an ftc report and they refuse to remove them.
Product: Credit card or prepaid card

I contacted bank America asking due to corn virus if could more time to pay and the department told I would allow to skip payment. it seem to me there was no communication between department and they reduces my to {$500.00} credit limit. upset greatly so told them close account. I had done business for over fifteen year
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M IN NEED OF SOME ASSISTANCE FROM THE CFPB BECAUSE I'VE BEEN REQUESTING THE CREDIT BUREAUS TO DO THEIR PROPER RESEARCH REGARDING THESE ACCOUNTS THAT I HAVE LISTED ON MY LETTERS, BUT IT SEEMS TO BE FALLING ON DEAF EARS. CAN YOU PLEASE MAKE SURE THEY ARE FOLLOWING THE LAWS AND CORRECT THE ERRORS ON MY CONSUMER REPORT. I WAS NEVER GIVEN THESE OPTIONS, NOW I WOULD KINDLY REQUEST THAT YOU REMOVE ANY LATE PAYMENTS REPORTED ON MY ACCOUNTS LISTED BELOW : XXXX XXXX XXXX  XXXX .... XXXX XXXX ...., XXXX XXXX XXXX : Account number : XXXX ... XXXX- Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX XXXX : Account number : XXXX ....- Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed multiple times with Equifax the hard inquiries which I was not authorized and they are based on Identity Theft since I have a fraud alert. I provided copy of police report, passport, ssn, statement. And they still dont want to remove them. Please help me! 

My bank statements are my proof as I current mailing address which is XXXX XXXX XXXX XXXX, XXXX FL XXXX
Product: Credit card or prepaid card

I opened this store credit account to purchase a couch from XXXX 's XXXX XXXX on XX/XX/XXXX in the amount of {$890.00}. I made continuous on-time payments and eventually saw that fraudulent purchases were made on my account. 

After realizing this, I took care to contact Wells Fargo in XXXX to let them know of the fraudulent charges made. I spoke with a representative who made a report and claim on my behalf, and assured me I would be contacted back about this. Fast forward 2 months, and in XXXX, I notice more purchases made on this card which I had assumed was frozen/closed. 

I contacted Wells Fargo a second time to express my distrust in their security and also made another claim to let them know I had only ever authorized XXXX purchase in my home city. Who needs to buy furniture in XXXX different cities? 

I received mail stating that on XX/XX/XXXX, XXXX " miscellaneous debit adjustments '' were made on my account after I had formally closed it in XX/XX/XXXX. This tells me that my fraud claims were denied and dismissed. 

I called Wells Fargo again on XX/XX/XXXX and asked to reopen my claim. I have no faith that Wells Fargo will honor this, and I should not be held responsible for purchases I did not make. I can only hope that by making this report, I can deter anyone from using Wells Fargo 's credit lines offered in XXXX 's XXXX XXXX. Especially due to the fact that their store credit cards do not have expiration dates, nor CVV codes on the back to verify the cardholder 's identity. Anyone could simply guess a credit card number, and it would eventually be approved with no resistance. 

As luck has it, I'm in the middle of the process of purchasing my first home, and I am dealing with fraud at the same time.
Product: Mortgage

I opened a dispute with US Bank that has continued to have ongoing issues after they closed my first complaint. This pertains to my HELOC opened in XX/XX/XXXX. Upon opening and sending out checks on my behalf, the branch did not scan in the paperwork and my balance remained at XXXX until XX/XX/XXXX. In XXXX, I took two withdrawals from the line, in addition to the checks they sent out. However, I paid them both back in a matter of days ( as evidenced by my US Bank checking XXXX XXXX, and XXXX XXXX statements ). The payments were as follows : XXXX. {$24000.00} on XX/XX/XXXX XXXX. {$5000.00} on XX/XX/XXXX XXXX. {$2.00}. XXXX on XX/XX/XXXX. 
These three payments zeroed out anything I electronically pulled from the line while I awaited the cashed checks to appear. After claiming this issue was resolved, I received a letter dated XX/XX/XXXX that my balance was {$190000.00}. The max I can take from my HELOC is {$170000.00}. Then, on XX/XX/XXXX, I opened the US Bank app to see that the balance had jumped from {$160000.00} ( the result of them correcting the errors ) with a XXXX balance due to {$170000.00} with a late charge of {$29.00}. This is simple math that their back office can not seem to understand. I have attached the statements proving that anything I personally took outside of the checks US Bank sent out was repaid.
Product: Credit reporting, credit repair services, or other personal consumer reports

MESSAGE FROM EXPERIAN CREDIT bureau : Our office recently received your correspondence regarding the above-mentioned consumers rebuttal of our response to their complaint. 

We have mailed a current credit report directly to the consumer for review. If there is information appearing on a credit report that is believed to be inaccurate or incomplete, we must have a specific dispute. Examples of specific disputes are as follows : not mine, paid in full, never delinquent or included in bankruptcy or for public record disputes : not mine, paid/satisfied, vacated or filed in error. If the status dates, amounts, balances or other specific data is incorrect, the consumer should also indicate what the correct information should be. Please specify the item or account name and number. 

Please provide the consumers specific disputes along with their complete identification information ( Social Security number, full name, current address, previous addresses in the last two years and date of birth ). Also, please include one copy of a government issued identification card, such as a driver 's license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc. 

Please note that they may submit their request or documents supporting their claim electronically at www.experian.com/upload. They may also visit Experians dispute center by visiting www.experian.com/dispute. 

For additional assistance, they may call the toll-free telephone number provided on their personal credit report obtained directly from Experian, or write to Experian at XXXX XXXX XXXX XXXX TX XXXX XXXX 

Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you. 

Sincerely, XXXX XXXX Senior Regulatory Affairs Associate Experian Consumer Affairs THEY ARE FULL OF XXXX! THEY CAN'T HAVE ACCURATE INFORMATION IF THEY DON'T HAVE MY INFORMATION. REMOVE THE NEGATIVE INQUIRIES FROM MY CREDIT REPORT NOW!!! EXPERIAN, XXXX, AND XXXX IS IN VIOLATION OF STATE AND FEDERAL LAWS.
Product: Money transfer, virtual currency, or money service

i attempted to purchase tickets to a show from someone online, used PayPal credit that assured me i was protected from a frodulent transaction. once i send the money, i realized that the profile the person used was fake, so i cancelled the transfer via text, replied that i do not authorize this transaction, the called PayPal and asked them not to release the funds, explained what had happened and was assured the funds would not get released and that they opened a case. A few hours later i received an email from PayPal stating that the case was closed and that the funds were released. I called them again, they charged me {$5.00} to protect the {$80.00} purchase but refused to reimburse/credit or do anything about it ...
Product: Credit card or prepaid card

To whom it may concern, I called to close my credit card with City National Bank on XX/XX/XXXX. I was told the account was successfully closed on the phone call. The statement closed on XX/XX/XXXX showed the balance to be XXXX. However, City National Bank charged me an annual fee of {$680.00} on XX/XX/XXXX for the following year. 

Because I closed the account, I was not aware of the annual fee until XX/XX/XXXX when my mortgage broker told me that I have a late payment on my credit report. I contacted City National Bank, but only received a letter acknowledging the error from an associate. However, no one else has given me a definite answer with regards to whether the fee will be waived and whether they will correct the late payment notice on the credit report. The balance of late payment and annual fee is still on my credit statement, and all three credit bureaus are still showing a late payment.
Product: Mortgage

I applied for a home loan through Bank Of America since i have all my business and personal accounts with them. This mortgage process was started approximately 6 months ago. My specialist, XXXX XXXX, was very difficult to deal with and on multiple occassions would not reply for days to emails or phone calls. I stayed patient and after sending all required documents received a pre-qualification for a conventional loan of {$110000.00}. After i received the letter i began my search for a new home. After finding a new home that was within my budget i entered into an agreement on said property. The process was difficult and the seller would not budge on the price. I contacted XXXX and relayed that we may have to terminate the contract, but to wait for 48 hours as we might be able to come to an agreement. She agreed and the following day the sellers decided to reduce the price. I contacted XXXX and my realtor gave documents related to the price change. However, we found out that she deleted all of the documents given to her for the past few months. Yet, i stayed patient and resent all documents. Inspection and appraisal complete on the property, i contacted her once more. This time she demanded i send her XXXX tax reports for my business and personal or she would terminate my contract. I quickly contacted my accountant who informed me that my XXXX tax documents had an extension and wernt needed as my approval was given before these tax documents were needed. She quickly changed her tone after talking to my accountant and requested other documents from my accountant, which he gave to her in a timely manner. My last day for due diligence on the property i was purchasing was XXXX/XXXX/XXXX. For the past 2 days before this period ended i tried contacting her through email and phone multiple times to no prevail. On the last day she contacted me to let me know they had terminated my loan for no exact reason. I dealt with incompetence for months on end, sending and resending the same documents, handling all information as fast as i could while there was absolutely no transparency from the lender. i have retained all email conversations from her as evidence of incompetence. Days going on with no reply, no reply or calls back from either her work number or personal number. This experience has been one of the worst in my life and wasted 6 months of my time.
Product: Credit reporting, credit repair services, or other personal consumer reports

in the month od XX/XX/2020, I made my monthly call to Santander Consumer to make payment on my auto loan and ask for a payoff. Agent told me the payoff was {$200.00} dollars. I asked was she sure, she said yes. She asked did I want to make payment by agent or automated system. I chose to use the automated system for which there is no astronomical fee. On XXXX XXXX, I made a payment of {$200.00} cents for the final payment with my XXXX XXXX XXXX XXXX debit card. The {$3.00} cents is the automated sytem fees. It has now been one month, I checked my credit only to find Santander reports I still owe {$190.00} dollars. This loan is paid in full, my credit score is affected, and I want this strickend from my report. along with the 3 late payments Santander said i made. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and theres a collection that does not belong in my credit report it is violating some consumer rights accounting to the FCRA please help me REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT. the collection/charge-off will be listed below. 

XXXX XXXX acct # : XXXX Amount : {$470.00} This account is violating 15 U.S. Code 1681e - Compliance procedures section 10
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies are not in compliant to the fair credit reporting law by the act of improper use of my reports. the inquiries below are not recognized nor authorized by me. 


XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX : Account # XXXX After your investigation the account still is reporting late for XX/XX/2023. However, I for sure paid this account on time. The consumer Report agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following XX/XX/2023. 

I have requested a statement and or proof that I was late on this account and have not received such documentation. 
In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provided the names and business addresses of each individual with whom you verified the above, so that I may follow up.

I am requesting that you immediately update this account to paid on time.
Product: Credit card or prepaid card

Macys charged a different Credit Card without my consent. 

I use the Macys Store card when purchasing items in store, and somehow Macys charged me for an alternate XXXX XXXX Credit Card, which I did NOT use or even activate yet. They charged this separate card with out my knowledge or consent. I didn't even have the card with me. 

Because I had No knowledge of this account being charged, I didn't pay the bill on time. I was charged late fees because I had no idea these charges existed on my account. 

when trying to settle this problem, I called Macys Customer support on XX/XX/2019 and after speaking with a representative they assured me that a bill to be sent with the total amount {$28.00}. 

Upon receiving the bill on XX/XX/2019 i was charged for several late fees. 
two fees for {$67.00} plus the balance of {$28.00} with a total of {$95.00} I believe this type of business is unfair, because Not only was I charged on a Credit Card that I gave no consent to use. But I was charged for late Fees on that same account because I had no idea these charges existed. 

I have to this report problem, because it is unjust. 

Thank you
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 Navy Federal for similar practices, when transactions settled with insufficient despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Checking or savings account

BB & T consistently reorders debits in order to charge more overdraft fees. Please see attached examples. According to customer service, BB & T policy is to only remove 1 overdraft fee every 24 months. So by this policy BB & T can repeatedly reorder debit transactions to cause customer to incur unlimited amounts of overdraft fees with no recourse other than arbitration with a mediator chosen by BB & T. ( This type practice often results in business ' choosing mediators that consistently find in the business ' favor ). The most recent example I attached is a recurring online payment that caused my account to overdraft. This is my fault and not in dispute. What I am disputing are the other 3 overdraft fees that are the result of reordering. The debits were later hard posted in the correct order, clearly showing the account was not overdrawn at times those purchases were made. This happens routinely. If I " opt-out '', I am charged {$36.00} for the account to be " reviewed '' and the purchase denied for insufficient funds. When I call customer service I am told " sorry, our software won't allow me to take those overdraft fees off ''. This seems fraudulent and deceptive.
Product: Debt collection

After noticing the debt on my credit report, I sent a Debt validation letter to MNET FINANCIAL INC. A request was made pursuant to 15 USC 1692g Sec. 809 ( 6 ) of the FDCPA. As stated in the law, MNET Financial Inc. did not cease collection activities, in fact, they continued reporting to the credit bureau. To date, I have not received a letter or phone call from the MNET FINANCIAL INC or any attempts by the debt collector to validate the debt they believe I owe. It has been more than several months since they placed the debt on my credit report and More than 1 month since I requested validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am invoking my specified remedy as the original creditor and the consumer. I have attempted to resolve this matter with Experian by disputing incomplete/inaccurate information. Proof of this dispute can be found via XXXX XXXX Mail - XXXX # XXXX. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - It has been 30 days since I have disputed these hard inquires. In response to my CFPB Complaint # XXXX on XX/XX/2022 Experian stated " According to our records, the seven disputed inquires does not appear on your Experian credit report. ". Experian is guilty of giving false or inaccurate information as well as not following procedure in case of disputed accuracy as the inquires in question still appear on my Experian credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recentlt reviewed a copy of my credit report and noticed the following information regards inquiries to be an error. According the the fair credit reporting act states what instiutions are allowed to pull credit. 
The following inquiries are not related one of the allowable purposes as i have reiterated from the fair credit act ; XXXX ) XXXX XXXX XXXX ) .Capital one auto financial XXXX ) .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) .XXXX XXXX  XXXX XXXX XXXX .XXXX XXXX XXXX  XXXX ) .XXXX XXXX XXXX XXXX ) .XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) .XXXX XXXX XXXX XXXX