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

On XX/XX/XXXX. I went to a wells fargo branch in XXXX, CO to make a withdrawal on my savings account. 
I came to find out that the bank closed the account, because according to them, it was dormant due to inactivity and the said they transferred the money ( total amount of {$2300.00} ) to the Unclaimed property department of the State of FLORIDA on XX/XX/XXXX. 

This is absurd because they had all my contact information and I never received any documentation that they where going to close the account! and also because it's a savings account ( so is supposed to not have activity ). And I am sure that the account had activity in the past 5 years ( but I have no longer online access to print it out ) That same day the branch rep sent me to XXXX to claim my property. I been looking for it until this day XX/XX/XXXX. My name or my property is not there. I contacted unclaimed property and they said that they can not start a case until my name appears on the website. 

its been over 7 months, I have gone multiple times to wells fargo ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) to get them to help and give my money back. They said they transfer the money, but the state of FL says they don't have it. So my money is on " limbo '' and I have to suffer the financial consequences. 

I place complains in the branch, and ask them to give me my money back and the answer is always the same. To go to a website that does not find my name or money. I really need my money, I have done all in my power to get it back. 

I need the bank to be responsable, at this point I feel like they stolen money from me and they have to help me get it back, I can not keep waiting for month to get what is my money. 

Please help!
Product: Payday loan, title loan, or personal loan

Cash Net USA keeps increasing my payment and drafting it out of my bank account on the wrong days. How did my payment go from {$200.00} to {$300.00} in 1 week?
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. I believe I did not sign any paper authorizing these inquiries. Delete them now : XXXX  XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 XXXXXXXX XXXX  XXXX Inquired on XX/XX/202XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX  Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/20XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2022 2022
Product: Credit reporting or other personal consumer reports

All three credit reporting agencies XXXX, XXXX, and Transunion have reported late payments which violate 15 U.S. Code 1666b, also I did not give written consent to be able to add anything to my report which Is a violation of the Fair Credit Reporting Act. The accounts listed below are accounts that show inaccurate information and are shown as open which is a violation as well. Not only that 15USC1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. " Also12CFR1016.7states that " A consumer may exercise the right to opt-out at any time. " I am opting out of your reporting services.

The Accounts that are being reported as late are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

1 ) XXXXXXXX XXXX bill or rights XXXX XXXX XXXX XXXX XXXX states that they will ensure a customer is " not responsible ... for products or services that [ they ] did not receive. '' 2 ) I never received the products for which this 3rd party loan was authorized.
Product: Credit reporting or other personal consumer reports

I just obtained a copy of my credit reports and it shows unauthorized inquiries. Please see the attached copy of my dispute letters that were recently sent to the bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

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 reporing agency can not furnish a account without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Debt collection

This judgment is from XX/XX/XXXX I wasn't aware of this collection action until XX/XX/XXXX. Company garnished my wages through XXXX county and I filed for an exemption for {$20.00} a check. This was approved. They then filed another judgement for the same case number in a different county for 25 %. This is against the law. Not only is this judgement from XX/XX/XXXX and I wasn't even aware of it. I was never served or anything. But they were garnishing me for more than 25 %. Now they want me to pay them directly {$80.00} a month so the sheriffs department doesn't collect fees and they get more money. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

RECENTLY CHECKED MY CREDIT, NOTICED UNUSUAL HARD INQUIRES
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX 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 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 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 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 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 XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Account XXXX XXXX  XXXX XXXX Dear Sir/Madame : I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with the credit bureaus XXXX  and Experian, and you have been able to verify this debt. How is this possible? This is not my account! 

I request that you send me the proper proof that what you are reporting is true, or if you can not, to immediately remove it from my credit report. 

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 improper reporting of information to the credit bureaus regarding my credit history, actual defamation 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. You have severely limited my ability to purchase a home and get a credit card.

In light of the recent changes to the FCRA ( FACTA ), consumers now have the right to go directly to the original creditor and ask for proof of negative information. In addition, court case opinion No. 00-15946 CV-99-00290-D.C. by the US Court of Appeals 9th Circuit, Nelson Vs. Chase Manhattan, the court ruled that the creditor has the responsibility to investigate and make sure that correct information is being reported to the bureaus, and that the consumer has a right to sue under the FCRA, should his or her rights be violated.

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter.
Product: Credit reporting or other personal consumer reports

Kikoff is a company that is here to " help '' build credit however they are falsely reporting late payments on the following account # XXXX. Pursuant to 15 U.S. Code 1681s-2 this company has reason to believe that they are reporting inaccurately because the truth in lending act states that a creditor may NOT treat any payments as late. 15 U.S. Code 1666b. Additionally, to verify that those " late payments '' are true, I am requesting that this company sends me all accounting records pertaining to this account. If they can not provide it, I demand that this company updates my consumer report to reflect PAANL status which is " Paid As Agreed Never Late ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX Veteran who was awarded A permanent and Total XXXX. Nelnet needs to update my student loans account accurately
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 issues aligns with the recent CFPB findings against Navy Federal 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.
Product: Credit reporting or other personal consumer reports

I pulled my reports and seen some fraudulent hard inquires on them and I need them removed immediately.
Product: Student loan

They have increased my interest rates XXXX times since they bought our loans from XXXX. 
I NEVER agree to ANY rate increases.
Product: Debt collection

I am in the process of filing chapter XXXX bankruptcy. I have been contacting all of my creditors in order to fill out a packet given to me by an attorney 's office. I have not retained this attorney yet because the information needs to be filled out completely before I file. In attempting to gather information needed, such as balance due, account #, and mailing address for correspondence, I ran into an issue when I contacted Atlantic Credit & Finance, Incorporated. On the evening of XX/XX/18 at XXXX, I called to gather this needed information on several accounts that were placed with their agency. Initially, I spoke with XXXX who handles my accounts. I explained that I was filing bankruptcy and needed balances due, account numbers and mailing address for correspondence. Instead of her cooperating, she began asking me, in a very sarcastic tone, unnecessary personal questions, such as, " How did I get into such big debt? '' and " How does it make me feel? '' I started to oblige her questions, but told her it does not change my decision to file bankruptcy and asked her to please provide me with the information that I needed. She then transferred the call to her supervisor named XXXX ( spelling? ). She then started asking me the same questions in a sarcastic tone just as the previous collector did. Then she accused me of lying about the debts that I owed. For example, I am behind 3 months on my auto loan and she argued with me that it wasn't true, insinuating that I had money lying around somewhere. Again, I asked her nicely to please just provide me with the information so that I can turn in my paperwork to file. She then began to ask me personal questions like the previous girl in a very demeaning and sarcastic manner, asking me " How does it make me feel to be in so much debt? '' I had enough of the psychological interrogation by this point. I asked again to please just provide me with the information that I need to file and she REFUSED to help me. Instead, she kept asking me over and over and over and over and over again, the same question and I began to cry, had an XXXX XXXX and told her I had XXXX XXXX   because she was harassing me. I was being oppressed. She intentionally caused me to have XXXX and I begged her to stop. I stayed professional throughout this while grueling experience. Her exact words were, " I'll give you the information you need once you answer my questions. '' I eventually told her that I was disconnecting the call and did so. I then sent an email to the corporate office that same evening and copied the compliance officer. I requested a call back and received no call. The following week, I sent a formal complaint to their office from their website. I still have not received a phone call back. Their email address is XXXX and the compliance officer is XXXX. 
I do know some about the FDCPA and know that a collector should not intentionally cause harm and anxiety to a debtor. This was intentional. Asking the same inappropriate question over and over again- many times-and continuing to do so even after they were told they were causing me unneeded stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 {$25000.00} consolidated loan reported that doesnt add up to what was ever disbursed to me. Ive reached out to Navient to investigate my account with no help. Also, they have reported incorrect balances amd late payment. I have no idea where these amounts are coming from. Ive reached out to my schools and to ger a copy of disbursements and billing to match with navient and it looks to be fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC stated my account was properly investigated, however, how is that possible when the following items are incorrect : In accordance with the Fair Credit Reporting Act, Equifax Information Services LLC. has violated my rights. 
1

5 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 an account without written instructions. 

The following items are violations : Equifax Information Services LLC : XXXX XXXX XXXX XXXX Name of the original creditor, Account #, account type, account type-detail, bureau code, account status, monthly payment, date opened, balance, no. of months, high credit, credit limit, past due, payment status, last reported, comments, date last active, date of last payment
Product: Credit card

On XX/XX/XXXX I paid {$500.00} to my bank of america credit card the amount was paid in error and should have been paid to a new auto loan at bank of america. I then had a XXXX on my credit card. 
I called bank of america and they made a credit card adjustment and moved the {$500.00} to my auto loan payment on XX/XX/XXXX at this point all is well. 

I then made the following payments to pay off the auto loan. 
XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX a total of XXXX payments total XXXX the auto loan is paid off. 


Now the problem : On XX/XX/XXXX a {$500.00} adjustment appeard on my credit card for no reason so now Bank of America states I owe {$500.00}? 
I have called Bank of America 3 times and at the end I get no answer to my problem. 
I just got off the phone with XXXX from the dispute department and she is also seeing what I see and states that it should be taken off but nothing is being done. 
This is some type of clerical error on Bank of America 's side that I am now stuck with.
Product: Money transfer, virtual currency, or money service

Several transactions may have been sent to the wrong party using Zelle.
Product: Money transfer, virtual currency, or money service

I was corresponding to my attorney via email and I did not realize that her email was hacked. Someone was impersonating her and requesting that I made payments on my account. I offered to send a check out with the full balance of my account and they said they preferred that I wire the money instead. Thinking that this was my attorney making the request, I offered to send payment through Zelle and they gave me an email of someone who I thought was an accountant at the law firm. I sent two payments through Zelle. One for {$500.00} on XX/XX/ and another for {$460.00} on XX/XX/XXXX  I called my attorney to confirm the payments and she did not have any idea about the payments, she never requested that I make any payments. It was at this point that we both realized her email was hacked and I was scammed. I called my bank ( XXXX ) and they told me that they could not do anything about it.
Product: Credit card

I was contacted via e-mail on XXXX about my Chase credit card. It was being used in a suspicious manner. Turned out there were XXXX instances of fraud using my card number this month. I immediately contacted Chase to cancel the account and report the fraud. The last case of fraud was local and the person is on the store security video. I attempted to file a police report with the local authorities but they needed an affidavit of fraud from Chase. Chase claimed to know nothing about this form and would not provide it. I have been on the phone with Chase numerous times and have not been given answers. In XXXX case I was put on hold and hung up after over XXXX minutes! I have since received a card from Chase to alert me that my account had been closed to protect me from fraud and it says there had been no fraud against my account. I asked Chase about the exact meaning of this but they give me the runaround, not providing answers. I have just about had it with them. I have been a great customer and do n't deserve this kind of treatment.
Product: Credit reporting or other personal consumer reports

I request my credit report and notice that several of my account were not reporting correctly .I immediately file a dispute for those account which was not resolved as requested. XXXX XXXX
Product: Credit reporting, credit repair services, 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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX has violated my rights. Or 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

purchased merchandice at XXXX for XXXX.dollars through whynotleaseit at XXXX   payments XXXX.dollars monthly have paid XXXX. dollars tried to stop lease whynotleaseit tells me i must give them XXXX.more dollars in one payment to get out of the lease or pay XXXX.dollars forever i believe this is extortion scam lets put them in jail
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account # XXXX, XXXX, XXXX, XXXX, has violated my rights. 

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
Product: Credit reporting

I contacted Equifax online to set up 90 day fraud alert. They asked for both my current and former addresses. When I called XXXX today to make sure it's in place, they told me that they used my former address as mailing address. I called Equifax to correct this error and was unable to get through their automated calling system to get it done. The new owners of my former address travel extensively and don't live there full time (their XXXX home). My fear is that I won't be able to get the follow-up letters on the fraud alert.
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding the following negative items on my credit report : XXXX - XXXX - {$2000.00} These entries remain unverified and raise serious concerns about their accuracy. I have made multiple attempts to resolve these discrepancies by submitting disputes and providing supporting documents, yet no corrective action has been taken. This lack of resolution has negatively impacted my financial stability and taken a significant toll on my overall health. The ongoing stress caused by these unresolved issues has made it difficult to focus on daily responsibilities. 

As stated in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of inaccurate or unverified information. I request a thorough investigation and prompt resolution of these matters to ensure compliance with federal regulations.