23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

In XXXX of 2016, I decided to open my own private counseling practice. On the day that I decided to take my first big step by creating my LLC and opening my business account, my childcare fell through, requiring me to take my baby to the bank with me. While the Wells Fargo employee did seem a bit unprofessional at first and was eating as we talked, I initially loved meeting her. We connected about being transplants from the XXXX and I found myself wanting to help her feel welcome. However, as I have looked back on the meeting, I feel like it was terribly unprofessional. 
As we were opening the business account, I told the Wells Fargo employee that I was interested in getting a business credit card in the future, but that I had no interest in signing up for more cards at that time. We completed my LLC paperwork and opened my account. She told me that in order to open my account, I " had to '' structure it so that it was divided to three sections -- taxes, savings, and the main operating account. Having never owned a business before, I listened to what she had to say. She never told me about the different business account options at Wells Fargo, nor did she inform me about any possible fees I might accrue. Finally, as we were closing the interview, my baby started to cry and I informed the woman that I would need to nurse her so that we could continue our meeting peacefully. To this, she responded " pull out that XXXX!! '' I was surprised by her unprofessionalism, but the meeting was ending and I was happy to have successfully acquired my LLC and opened my account. 
Opening my practice was a slow process, being that I was home full time with my child. I was not utilizing it often, which meant that it took me 2-3 months to discover that at the bottom of my online account, the Wells Fargo employee had signed me up for XXXX credit cards. Additionally, the taxes and savings sections of my business account had been accruing fees rapidly. She did n't just sign me up for a business account -- she signed me up for XXXX separate additional accounts. I did not give verbal consent for any of this. I did sign electronically at the employee 's desk, but I was not clearly informed that by doing so, I was signing up for credit cards or additional accounts. Finally, I was not informed that my main business account would also be at risk for accruing fees. I came to the bank to sign up for XXXX bank account, and left unknowingly with XXXX bank accounts and XXXX credit cards! 
The experience of opening a business, especially as a woman and new mother, should have been an empowering experience for me. Instead, I was deceived by my bank before I even had a chance to begin making money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Formal Dispute of Charge-Off Entry under FCRA Account Number : [ XXXX ] Dear Sir/Madam, I am writing to formally dispute a charge-off entry on my credit report regarding account number [ XXXX ] with [ XXXX XXXX ]. I assert that this charge-off is inaccurate, and I am requesting its immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I request an immediate investigation into the accuracy and validity of this entry. Specifically, I believe that the charge-off entry is incorrect due to the following reason ( s ) In accordance with 15 U.S.C. 1681i ( a ), I am requesting that you conduct a reasonable investigation into this disputed item. Please provide me with all relevant documentation and evidence that supports the validity of the charge-off, including any communications, notices, or other records that substantiate the charge-off date and the amount involved.

Additionally, under 15 U.S.C. 1681e ( b ), all information on my credit report must be accurate, and I am entitled to a complete and accurate reflection of my credit history. If the charge-off can not be substantiated, I request that it be removed from my credit file immediately.

I further assert that under 15 U.S.C. 1681i ( a ) ( 6 ), you are required to complete your investigation within 30 days from receipt of this letter. I expect that this matter will be resolved in full compliance with the FCRA, and I request that you notify me in writing of the outcome of your investigation.

Should the charge-off remain on my credit report without proper evidence or if your investigation does not satisfy the requirements under the FCRA, I will have no choice but to escalate this dispute to the Consumer Financial Protection Bureau ( CFPB ) and/or seek legal counsel for further resolution.

Please provide a written response to my request for information and any updates to the status of the investigation at your earliest convenience. I also request that you send me a copy of the updated credit report once this issue has been resolved. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Regions it at it again. My account was low so i stopped using it for a few days. Regions seems to be re arranging charges/transactions in order to elicit NSF Fees. When I go to bed my account is green. When I wake up it's in the red plus overdraft fee. This is not the first or second time. Charges that have already cleared will show as pending in a few days.
Product: Payday loan, title loan, or personal loan

Loan was going fine until i changed jobs, which changed my payday. And bounced right after that, contacted and gave them the new info, date was never changed, cost me more in overdraft fees. Contacted many times never changed it, then because i was behind they just started debit my account with out my permission and not on any agreed day, this hurt, more overdraft charges, i aked them to remove me from the auto pay on XX/XX/XXXX, they did not, more overdraft charges, then they hit my account on their own for XXXX bucks 2 days in a row. nearly lost my apartment and car due to that little mess. eventually they did remove me from the ach pay and stopped debiting my card, saddly the damage was done. now they are taking me to court. Also i had tried to reproduce their billing, and never could get there numbers to add up, so i had a few others much smarter than i check it, and they stated that the numbers didnt add up and something was very fishy about the interest i was paying ... i believe this is true
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds avaliable at the time the transactions were authorized. However due to delayed posting of charges and credits I was unfairly charges overdraft fees. This issue appears consistent with recent findings by the CFPB which identified similar practices by Navy Federal Credit Union where transactions settled with insufficient balances despite initially having adequate funds. These practices seems unfair and somewhat deceptive.
Product: Credit card or prepaid card

My PenFed Visa card was used 9 times on XX/XX/20 for a total of {$180.00}. I am the only one in possession of this card, and I pay at the pump. On XX/XX/20, I spoke by phone to XXXX, ID # XXXX at PenFed lost & stolen office providing him with this info. I went over this again on XX/XX/20 with XXXX at member services. She referred me to XXXX at fraud where I left a voicemail and received no response. On XX/XX/20 I filled out the fraud report mailed to me by PenFed which erroneously listed 4 charges totaling {$58.00} that were not fraudulent but did not list the 9 fraudulent charges totaling {$180.00} that I had reported. I enclosed a note under comments and also enclosed a copy of my statement highlighting the 9 fraudulent charges. This was faxed to XXXX. On XX/XX/20, I spoke to XXXX, ID # XXXX, who said I was credited for the {$58.00} ( legit. charges ) but not the {$180.00} which were the fraudulent charges. XXXX said he had to add the {$58.00} back on and then have the {$180.00} credited. After receiving my latest statement, I saw that the matter still was not rectified. On XX/XX/20, I received an Email from XXXX XXXX from the fraud unit at PenFed which reflected that she did not have any knowledge of my issue and referred to something else. I can forward you her Email and my response. On XX/XX/20, I received a notification that my Email was read. On XX/XX/20, I spoke with XXXX at customer service, ID # XXXX, and supervisor XXXX XXXX at XXXX. XXXX. Although Mr. XXXX took down all of my information, nothing was accomplished. On XX/XX/20, I spoke to XXXX at ext. XXXX, who stated that the 4 valid charges totaling {$58.00} would be put back on my statement, which they were, and that she would forward my concern about the {$180.00} to the proper people. On XX/XX/20 I filled out another fraud report mailed to me by PenFed which again erroneously listed the 4 charges totaling {$58.00} that were not fraudulent but did not list the 9 fraudulent charges totaling {$180.00} that I had reported. I faxed another explanation along with supporting documents. No resolution to date.
Product: Checking or savings account

US Bank has charged off my account with fees calling it " account abuse '' which now hinders me from opening a credit Union Account and subsequent loan. 

XXXX charged to my card without my authorization {$170.00} on XX/XX/XXXX. My US Bank account had {$12.00} in the account which resulted in an overdraft and then additional fees totaling- {$230.00}. In XXXX of XXXX, US Bank Charged off the account without any notice to me and reported to XXXX XXXX as " Account Abuse ''. US Bank did not have any statements or contact regarding this activity. I have been on the phone with the branch 3 times and have been referred to contact 5 different departments with US Bank with over 8 hours of phone time. 

XXXX has agreed to credit me {$78.00} but this does not resolve the issue of the overdraft, closed account. I want a rull refund and my account restored to it original balance with US Bank and a letter to XXXX XXXX showing this as an error. 

We still have our business account with US Bank and hope to keep it open, unless this can not be resolved.
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 # XXXX, XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX & XXXX # XXXX, Account name : XXXX XXXX, Account name : 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 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: Money transfer, virtual currency, or money service

On XXXX of XX/XX/year>, I found a XXXX market place add for a rare used book about XXXX. I've paid seller {$300.00} and expected him to ship it the same day. Later that day the seller started asking for more money before he will ship it. I asked to refund it and cancel the deal. They refused and kept insisting on sending more money. At that point I realized it was a scam- they likely never had the book and had no intention to ship anything. On XXXX of XXXX I contacted Venmo about it. They refused to assist with anything claiming it was personal transfer ( or something like that ). The seller 's Venmo account also disappeared right after I contacted Venmo ( which suggests they took an action against the seller, since seller still was trying to extract more money from me at that time ). 

At no point it was prominently mentioned on the screen of the app that transaction is non-reversible in case of the fraud. Venmo also clearly was aware it is fraud right away and could stop the transfer, since it was under XXXX hours between the transaction and the report. Yet they refuse to refund, assisting fraudster. If it would be clear upfront about risk of such transactions, I would never use Venmo in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies namely -- XXXX XXXX XXXX to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian Information Solutions INCXXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an account for XXXX and XXXX. 
This has caused me tremendous anxiety, stress, and financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Agency Act, account XXXX XXXX XXXX XXXX XXXXXXXX, XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX 15 U.S.C. 1681 Section 602 A states have a right to privacy.

15 U.S.C. 1681 Section2 It also states a consumer reporting agency can not furnish a account without written instructions.
Product: Student loan

In XXXX I graduated from XXXX XXXX XXXX and paid off my loans in full. The college and myself and federal loan department have record of this. I did not attempt to re enroll until XXXX when I was accepted into XXXX XXXX XXXX XXXX XXXX XXXX. I was unable to obtain loans due to records of student loans taken out in XXXX that are linked to an address that does not belong to me and was included as part of identity theft from the XXXX data breach. The department of education can not provide the institution in which this loan was to cover tuition for. Ive spoken to multiple people and filed multiple reports and complaints attempting to have the loans removed from my responsibility for obvious reasons. Upon enrolling in XX/XX/XXXX in XXXX XXXX XXXX i was required to consolidate these false loans to proceed with admissions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching all documentation. As you can see I opened this account at the store on XX/XX/2019 and my first statement due was {$94.00}. Even before I received my first bill, I visited their website and set up automatic bill pay to pay the statement balance in full. Unbeknownst to me at the time, my bank account entered was off by a digit. Apparently, like most websites, there was no quality check to ensure my account had the correct # of digits, so this went undetected. Of course, since I set up the payment in full and when I received my next bill in the mail showing a balance due of {$2.00}, I had every reason to believe the account was in good standing. What I did not know was that the XXXX payment was paid then rejected because the bank account # was wrong and there was no quality check to determine the error and no notification to me by XXXX XXXX. At the end of XXXX when the 2nd payment in full was rejected, I did receive a call from XXXX 's credit notifying me there was a problem. I called back immediately upon hearing the message and the representative and I discovered that my bank account # was off by a digit. We fixed it and she refunded all late fees and interest charges and led me to believe everything was fine and that there was an agreement that I was not late, but this was a tech/digital error. Not until I checked my credit ( I do so regularly ) did I see a hit to my score, Apparently XXXX XXXX had reported me 30 days late.I immediately disputed it with all credit bureaus and they all corrected it, including Trans Union. The following month, XXXX XXXX reported it again to Trans Union, after they had removed it, at which time I called XXXX 's to find out why. The women there were extremely rude, condescending and unhelpful and accused me of being delinquent, no matter how much I showed them evidence and explained clearly that this was entirely technical, digital, error and I had clearly made every attempt to pay the bill on time, in full, and my XXXX statement showed a {$2.00} balance, so I looked no further to see the transactions that showed a reversal. No matter what, they would not even look to see the actual facts. They said I should have looked further, even though as far as I knew, my automatic bill pay at their site was set up before I even got a paper bill., and my XXXX bill was {$2.00}, so obviously my payment went through. You can see clearly that this error in my bank account # was the reason for all of this, and any reasonable person or agency would reverse this negative reporting to my credit report.
Product: Checking or savings account

Last month regions charged me for an overdraft fee when I know I had the correct amount of money in my account. They couldnt explain the fee and said that I would get the money back, but I never did. They still took the {$36.00} from my account.
Product: Vehicle loan or lease

Company was requested to inform balance to fully pay off the loan. Not responded properly the last complaint. 

Company did not present terms related to insurance additional charges. 

Company refuses to stop charging insurance : proof of insurance already sent. Because the balance is close to full payoff, company came up with insurance charges.
Product: Credit reporting or other personal consumer reports

I am disputing multiple inaccurate and fraudulent accounts on my credit report with [ XXXX ]. These accounts remain on my report despite my previous disputes, violating my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit bureaus are required to conduct a reasonable investigation within 30 daysof receiving a dispute. However, they failed to investigate properly, making them liable for willful non-complianceunder 15 U.S.C. 1681n.

Additionally, the CFPB is actively suing XXXX, XXXX, and XXXX for systemic failures to investigate disputes and for knowingly reporting inaccurate information. This proves their pattern of violating consumer rightsand further justifies the immediate deletion of all negative items. 
According to 15 U.S.C. 1681s-2 ( b ), data furnishers are required to report only accurate information. Since these accounts remain unverified and inaccurate, they must be deleted immediately under federal law. 
Furthermore, under 15 U.S.C. 1681c, any negative item older than 7 years must be removed immediately. 
I demand the immediate removal of the following accounts from my credit report due to these legal violations : Company Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Company Name : XXXX XXXX XXXX XXXX XXXX name : XXXX XXXX XXXX XXXX XXXX name : XXXX XXXX XXXX XXXX name : XXXX XXXX XXXX XXXX and XXXX fail to remove these accounts, they will be in violation of 15 U.S.C. 1681n, allowing me to sue for damages. I request full deletion and written confirmation of the resolution. " *
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX Balance : {$15.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from MYFICO.com that prompted me to contact Transunion by phone on XX/XX/2022 regarding an unauthorized inquiry on my credit. I was informed by the Agent that the inquiry had been removed and my credit report would be updated within 48 hours. However, the offending inquiry is still reporting. I have since called back and the agent I spoked with this time refused to review the notes on my account and delete the fraudulent inquiry. As such, I am hereby demanding for the following offending unauthorized inquiry listed below to be immediately deleted from my credit report : XXXX  XXXX XXXX XX/XX/2022 Please remove this offending unauthorized inquires from my credit report.
Product: Debt collection

Portfolio Recovery has been repeatedly calling me for several years now from the number XXXX, which shows in called ID as XXXX. 

The calls have come in before XXXX XXXX and continue throughout the day. This happens several times a week, at times going over the 7 calls per 7 day limit as per FDCPA policy. I have also received numerous letters in the mail. I am a student who suffers from XXXX, and these calls cause me constant anxiety to the point I turn my phone off or mute it, which disrupts my day. 

Consumer Finance states the following on their website : The Fair Debt Collection Practices Act ( FDCPA ) says debt collectors can't harass, oppress, or abuse you or anyone else they contact. 

Harassment by a debt collector can come in different forms. Examples include repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone ; obscene or profane language ; threats of violence or harm ; publishing lists of people who refuse to pay their debts ( this does not include reporting information to a credit reporting company ) ; and calling you without telling you who they are. 

Portfolio Recovery has been repetitiously calling me with the intent to annoy and harass me. For this reason I will not call them or engage, as I do not feel safe or comfortable doing so giving their actions towards me. This is affecting my credit.
Product: Debt collection

I have been constantly harassed on a debt I know I do n't owe, never heard of MCM collection, never have I agree of all the amounts fees of what I am being charge, this is an embarrassment on my part when I apply for credit. I need open doors and with this unverifiable debt its very disappointing and very stressful.