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

On XX/XX/2019 I was made aware that my account was overdrawn due to an item that came through for {$100.00}. The only problem is, there was a positive balance still left in the account when the overdraft took place. I called SunTrust Bank on XX/XX/2019 to get a better understanding as to why the overdraft fee was assessed to the account being that there was still a positive balance in the account when the overdraft was assessed to the account.. The operator, whom I could barely understand, stated that the account was overdrafted even when it had a positive balance to the best of my understanding is what she said and she couldn't explain to me why. Because it doesn't make sense to me that you can overdraft when you have a positive balance in your account. So according to this operator It's pretty much like the banks at their discretion can go back and find any low point during your transactions history and use that point at which to charge an overdraft to your account and hoping that it sticks.. 

So in other words, banks are so desperate now to steal money out of consumers accounts that they overdraft you even though you have a positive balance in the account no matter how little the positive balance is, its still a positive balance none the less.. I've taken screenshots of the withdrawals as they happened. And it clearly shows that on XX/XX/XXXX of 2019 after the {$100.00} was taken out of the account there was still a positive balance of {$5.00} in the account. So again I ask, why was the overdraft fee assessed? There's absolutely no explanation for that other than just the bank wanted to overdraft the account. I guess it was just my turn to be ripped off with that frivolous fee labeled as an overdraft fee. 

I personally am so sick and tired of banks manipulating consumer bank accounts so that they can work it in their favor to charge overdraft fees and other frivolous fees to consumers accounts to make money. It is so sad and so pathetic the state of our nation where every financial institution is looking for ways of increasing profit at the expense of consumers. I remember reading stories about old men many years ago warning people about Banks. And I see now that it is an absolute fact that a consumer has no chance of making it financially when they depend on the banks because the banks job is not too make sure your bills are paid on time, A bank 's job is to make sure they increase their profits every year. It's called shareholder fiduciary ... 

I'm at the point now that I will no longer put my paycheck or more money in a bank account than I need in there to cover a bill. I will only put in the bank the monthly service fee and what I need to pay a particular bill. It will save me tons of money and stress long term over dealing with banks that are only looking to take the little I have and even worse, they'll even manipulate a person 's account to make it look legitimate.
Product: Payday loan, title loan, or personal loan

I initially discovered this account on my credit report months ago. I wrote a letter to RISE on XX/XX/2020 asking them to investigate as to whether this account was actually mine as I have no knowledge of it. I had a previous loan with them that I fully paid, but this one, I do NOT recall at all. From the date of that letter to XX/XX/2020 I received absolutely nothing from RISE meaning ( as I would learn ) they had chosen to ignore my request for a proper investigation completely.. The time from the first letter sent in XXXX to discovering it still appeared on my reporting in XXXX obviously took them WELL BEYOND the required period for such a response. After all, with the lack of response, I had assumed they had investigated and removed an obviously inaccurate report. But when reviewing my credit report and still finding it this month. I wrote a second time asking them again to actually fully investigate the situation and provide me with the actual account information, dates, fees, charges, compliance with FACT ACT guidelines, and of course confirm in notarized form that the report was 100 % accurate or DELETE it. Instead, today I received not a mailed letter as requested with ANY of the information Required or Requested. Instead they sent me a short " email '' stating they could find no errors in their reporting. NO DETAILS, NO ACCOUNT INFORMATION, NOTHING WHATSOEVER. 

Clearly this does NOT come close to meeting the bare minimum possible requirements of an investigation. It supplies me with nothing to prove the debt and attempts to just ignore my requests in direct violation of Federal Statues. And by sending me such a blatantly dismissive E-Mail, RISE is NOT in compliance with any Federal Requirement concerning this alleged debt and must by Federal Requirements DELETE it immediately and ensure this file is permanently closed.
Product: Prepaid card

Blackhawk Networking is sending me [ and others ] invalid cards that can not be redeemed. 

I received {$480.00} from XXXX as a class action settlement payment ( see attachments ). 

But, when I click on " Get My Virtual Card, '' I always see an error ( see attachments ). 

The error reads : " Oops, We are unable to register your card at this time. Please try again later. '' This error is present regardless of what I try. 

Then, they will charge " dormancy / inactivity fees '' until the balance becomes XXXX. 

According to XXXX, a settlement of {>= $1,000,000} has been reached and is supposedly being distributed by Blackhawk Networking.
Product: Credit card

Got a notification for an inquiry for an American Express. 
I believe someone hacked into my email.
Product: Payday loan, title loan, or personal loan

I contracted a installation company to install solar panels on my home. We signed the contract in XX/XX/2022. They ran a credit application with Mosiac. I was approved up to XXXX but the amount on the contract was $ XXXX. According to Mosaic paperwork they were going to do 2 disbursements with the final being after installation completion. 
The installation company started the installation in XXXX and has not finished the installation. They were contracted to install 31 panels for the home and 6 panels for the pool and 3 batteries. They did not install the pool panels. Their install did not pass County inspection. One of the batteries needs to be replaced according to the manufacture but I must work with the installer for that. The problem I have with Mosaic is they disbursed the second wave of funds without confirming with the borrower is the work has been completed. Their justification is that the installer provided documents saying it was completed. I shared those doc has to be falified or fraudulent. I requested a copy of the documents and have not gotten a definitive response if they will share them with me. 
As it stands the installers has bailed out with XXXX with XXXX being the second disbursement and they are not returning calls, text messages nor emails. 
Mosaic has a fidicuary responsbility to ensure their borrowers are not scammed or frauded especially on actions on their part. So now the payment started in XX/XX/XXXX and I did not have panels fully installed or an operational system. 
If Mosaic would have reached out to their borrowers the amount of the damages would not be so great and therefore not causing harm. So now I forced to pay Mosaic and the electric company for services that are not rendered. 

I received the attached email from Mosaic and they are not taking ownership in their role in this scam. They have an established partnership with XXXX XXXX XXXX and they partnership got in the way of protecting consumers. I did not seek out Mosiac XXXX XXXX presented them as their preferred lender.
Product: Bank account or service

I enrolled myself in the U.S. Bank S.T.A.R.T program on XX/XX/XXXX and met goals XXXX and XXXX by XX/XX/XXXX. They sent out a XXXX $ reward for meeting reward # 1 in a timely manner but upon meeting goal # 2 on XX/XX/XXXX they have not sent out the XXXX $ reward. 

As per the terms and conditions listed in the S.T.A.R.T program " : Reward ( s ) will be sent to the primary savings accountholder within 30 days of goal verification. " It says on my account and via confirmation over the phone and over email that I have indeed met the requirements. 
To quote an email " Thank you for writing to us about not receiving your S.T.A.R.T. Rewards Card. Goal XXXX was met on XX/XX/XXXX ; however, your mailing address was updated on XX/XX/XXXX. Please contact Fidelity Information Services, our S.T.A.R.T. Rewards VISA Card vendor, at XXXX for assistance. Once the dialed, press 1 for English and your card number will be requested. Please stay on the line for additional prompts, and once prompted, select 1 to report a lost or stolen card. For your convenience, specialists are available 24 hours a day, 7 days a week. 


Sincerely, XXXX XXXX. 
U.S. Bank Email Operations Department '' I have contacted Fidelity information services twice on my own and twice with a US Bank representative and have confirmed that no card has been mailed out to my current or former address. I have made multiple phone calls starting in XX/XX/XXXX/XX/XX/XXXX inquiring on where the rewards card was. US Bank confirmed that I have met the terms multiple times but will not issue me the rewards card. On one occasion the representative claimed I did not meet the requirements even though I have multiple confirmations that I did as well as lied to me saying there were no managers to talk to and I would have to leave a message and they would call me back. Upon hanging up and redialing I got a representative that again confirmed that I have met the goals and after talking to a manager confirmed that I do qualify but they need to escalate it internally to determine what to do. 

I have been run around for over the past month and I 'm tired of being bounced around between US bank and their visa rewards card issuer. The representatives have been mostly nice with one notable exception but have been unable to help me at all. This should of been an automatic process and US Bank is not holding up to their end of the program terms.
Product: Debt collection

Received notice at a previous address that a credit account was created by PayPal under my name. I contacted them and requested they delete the account as I had not opened it. They refused because it was not under my social security number. I then filed an identity theft report with the ftc ( report reference XXXX ). 

Now I am received a harassing debt collection notice regarding this account that I already told PayPal was not mine.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention the inaccuracies present in my credit report across the three major reporting agencies- XXXX, XXXX, and Equifax. The Fair Credit Reporting Act explicitly states that information can not be reported without my consent. It is the policy of XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security of their non-public personal information. 

In my credit report, I have identified discrepancies concerning an account with Target TD. XXXX reports the account as being opened on XX/XX/year>, while XXXX and Equifax report different open dates- XX/XX/year>. This inconsistency is both inaccurate and detrimental to my credit profile. I request the immediate removal of this item from my credit report. 

Moreover, XXXX and XXXX report a credit limit of {$300.00} for this account, whereas Equifax reports the credit limit as {$0.00}. These discrepancies in credit limit information across the reporting agencies further compound the inaccuracies in my report. 

The laws 15 USC 1681n and 15 USC 1681o are vital in defending my claims. These provisions outline the civil liabilities for noncompliance with the Fair Credit Reporting Act and emphasize the importance of accurate reporting by the credit reporting agencies.

Additionally, 16 CFR 313 and 16 CFR 313.7 are pertinent to my claims. These regulations pertain to the privacy of consumer financial information and mandate accurate reporting to ensure consumer privacy rights are upheld. 

It is noteworthy that while XXXX and Equifax report this account with a high credit of {$330.00}, XXXX inaccurately reports the credit limit as {$0.00}. This disparity in reporting further emphasizes the urgent need for correction.
Product: Debt collection

I, XXXX XXXX, have received 3 notices from Eastern Account System of Connecticut , Inc . They are saying that I owe {$310.00} or if equipment returned, debt would be {$210.00}. A person at Eastern said person who incurred this debt used my name, date of birth and address. My date of birth is XX/XX/XXXX. My address is XXXXXXXX XXXX XXXX XXXX Fl XXXX. My SSN is XXXX. I have learned that the address of this person is XXXX XXXX XXXX XXXX, XXXX Il XXXX. The period charged is from XXXX XX/XX/XXXX. XXXX 's phone number is XXXX -- XXXX or Account number is XXXX. This amount is shown on my credit report. I want it removed please. I did contact the XXXX Sheriff 's office at XXXX. I was transferred to a nice deputy for the area. He said it is an apartment complex that is now vacant. It was purchased by XXXX XXXX, in XXXX XXXX, Mo. I tried calling them and left a message. Call not returned. Their phone number is XXXX. XXXX Credit Bureau has Eastern Account system down twice. One is for {$210.00}, and the other is for {$100.00}. My local sheriff 's dept says it is out of their jurisdiction so wouldn't take an ID Theft report/fraud. I was given a phone number by XXXX for this person as XXXX they haven't tried to call the number. I don't know if Eastern has tried or not.
Product: Student loan

XX/XX/2012 I was going to attend XXXX XXXX College. A little XXXX school. I withdrew before starting and loans were still disbursed to this scam school. For the past 6 years I have been trying to get it discharged like the ombudsman said to do but XXXX XXXX XXXX keeps denying and won't tell me why.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached documents prove that Apple Card violated consumer regulations in credit reporting, failed to properly investigate errors that their support supervisors identified as originating from Apple Card, and improperly reported an account as late for XXXX XXXX, when documents detail payments being made early/on time for said month. Attached documents show in detail that the Apple Card/GS bank generated technical errors, initiating a series of events - all caused by Apple Card - that were immediately rectified by the consumer ( myself ). Attached documents prove that Apple Card and myself only experienced brief windows ( hours ) in which either party was aware of issues. Attached documents prove that an error code generated by Apple stating that my bank ( XXXX XXXX ) or myself initiated returns for past month 's payments is WRONG. Though there were no late payments in this case, Attached documents prove that Apple Card violated regulations requiring late payments not to be reported negatively/late to credit bureaus under 30 days of past due. Said " returns '' ( documents show they were never returned to my checking ), occurring on XX/XX/XXXX and XXXX caused the account to appear past due for a brief period of no more than an hour or so. Payments were immediately sent, and I was assured on recorded lines by Apple Card XXXX that no further action was needed, and the account was current " Far from late. '' A supervisor identified the cause of the issue and explained it in detail on a recorded line ( case XXXX ), recognizing Apple Card 's error. As an example, for the month of XXXX, a payment was posted in the amount of {$3000.00}, which shows as accepted/recieved on the Apple Card Statement. On XX/XX/XXXX I was notified that this payment was " returned. '' My checking account statements ( matching the checking on the apple card statement ) show that these transactions were never present for myself or XXXX XXXX  to have initiated, or received returns. Attached documents detail the situation in it's entirety. Support from Apple Card was minimal ; documents were requested to prove my dispute, but I was given NO proper location to upload the documents other than via generic help chat in the apple card/wallet app. Supervisors could not/would not confirm that these documents were even posted to the case or my profile.
Product: Credit reporting or other personal consumer reports

By the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681. 

XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX, Department of EducationXXXX Account # XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, XXXX XXXX XXXX Loan Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, # XXXX, XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX 15 U.S.C. 1681 Section 602A states that I have the right to privacy. 

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ), a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

Been monitoring my credit report as I came across to see all my credit inquiry 's were removed and put back on
Product: Checking or savings account

On XX/XX/year> I fell victim to a common fraud scam. I am not raising a complaint on me falling victim to this scam. I'm filing this complaint as First Interstate Bank performed bad faith on their service to me and failed common XXXX  and XXXX policies and procedures. 

Identity theft and social engineering led to the funds in the accounts being available in my primary checking account. I never created an online banking account. The online banking account was manipulated thru information gathering during the scam. I and the other accounts impacted with this were never authorized on the transfers between accounts. No notice was ever given to me or the other members on the accounts of the money transfers occurring. 

The Bank failed numerous XXXX and XXXX policies and regulations by allowing me to withdraw over {$9000.00} twice from two different branches within thirty minutes on XX/XX/year>. No ID was ever was ever requested of me and no reason for the withdrawals were requested as well from the tellers servicing me. These are core and critical points of XXXX and XXXX requirements. 

Again on Monday XX/XX/XXXX, I attempted to withdraw {$4400.00} and was at first denied due to not enough funds in the account. Less than fifteen minutes later, after discussing with the person coordinating the scam activities ( I still had no idea I was a part of a scam ) they transferred the funds into the account, I walked back into the branch and they processed the transaction once again with no ID and no request for reasoning of the withdrawal. 

How was over {$25000.00} moved from accounts and withdrawn by myself without ID or questioned for reasoning??? Please review your security videos and you will see these statements are accurate. 

I'm a XXXX XXXX XXXX victim of elderly scamming and the Bank failed at every opportunity to raise awareness to myself during my three visits. No teller asked for ID or a reason for the withdrawal. The Bank operated in extremely bad faith. I believe a serious investigation should be performed if the branch tellers servicing me those days are possibly involved with the scam. At minimum the Bank is negligent of following XXXX and XXXX policies and procedures. 

I am in the process of finding legal representation to bring a litigation suit against First Interstate Bank for their bad faith operation and failing to follow XXXX  and XXXX policies and procedures. The example of this failure by the Bank is unforgiveable. We are also communicating to our local community on how the Bank fails to protect their elder customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX XXXX from XXXX and informed her that I had received a letter from her that XXXX was to be removed from my credit report and yet was still on there, XXXX informed me that she notified all 3 bureaus on XX/XX/XXXX and again on XX/XX/XXXX electronically that they were to delete the trade line and that she was going to send all three bureaus another electronic message to delete the trade line but its still on all three credit reports. I have the letter from XXXX stating it should be deleted.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I was involved in the XXXX XXXX Data breach and was alerted late 2019. I was also apart of the XXXX data breach. I made the companies listed in my FTC report aware of this and ask the collection agencies to provide the orginal loan documents and the information on how these accounts were obtained. They were unable to provide this info. Also some of the addresses they had listed for where these cards were open were not mine. When I sent a request via writing I received no repsonse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and noticed four hard inquiries on my report without permissible use. According to the FCRA, they should be removed. 
CLARITY SERVICES INC Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX FL, XXXX Line of credit on behalf of XXXX XXXX XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX SD, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX Inquired on XX/XX/XXXX C/O XXXX XXXX XXXX XXXX FL, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX  nquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MA, XXXX Rental on behalf of XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Product: Credit card or prepaid card

I  filled out an application with USAA for a credit card. Instead 0f telling me whether I was accepted or not - they requested that I make an account with USAA.I called and they said that I needed to accept a text message security code to find out if I have an account with USAA. To me that 's putting the cart before the horse. I request that USAA delet e all information gathered by my application process and cancel my application-no harm no file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed inaccurate bankruptcy information and XXXX refused to dispute information through contacting the court house. I would like this inaccurate information deleted. 
Thanks
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed informationon my credit report, leaving inasccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to foward consumer -provided evidence to furnishers, accepting unreliable responses, and failing to adequatly notify consumers of dispute outcomes. These failures align with my experiences, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.