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

I have had numerous overdraft fees caused by pending transactions. While on the surface, I understand this practice, it is inherently unjust and unfair. Often times a pending transaction is an " authorization '' only and the charge will fall off the account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ). Using an authorization to calculate the actual balance in the account and use that balance as a basis to charge fees isn't right. 

Another aspect of this that shows the hypocrisy of this posting system is the fact that Wells Fargo does NOT count pending debit card refunds as a basis for calculating the balance in relation to charging fees. 

This seems incredibly unfair and it cost cost me a tremendous amount in fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Those dates are : 1. XX/XX/2018
Product: Credit reporting or other personal consumer reports

CFPB, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Ongoing Issues with Equifax Dear CFPB, I am writing to formally seek assistance regarding my ongoing issues with Equifax. Despite contacting them on numerous occasions regarding unauthorized inquiries that are listed on my consumer report. I have yet to receive a satisfactory resolution.

I have made every effort to resolve this matter directly with Equifax, including filing disputes online. Unfortunately, my concerns remain unresolved, and I am seeking your assistance to help facilitate a resolution.

I appreciate your attention to this matter and look forward to your guidance on how to proceed.

Thank you for your assistance. 

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

I filed a complaint with the Attorney General office and the credit bureaus in regards to this erroneous charges, claimed by XXXX XXXX.I filed a dispute with the credit bureaus, but the charge still remain after their investigation, it is indicated on my credit report it was completed on XX/XX/19.I received a letter from XXXX XXXX XXXX , on XX/XX/XXXX,  informing me, that the credit bureau was instructed to do a trade line deletion associated with this debt in the amount of $ XXXX.It has not been done, and their is no legal reason, for their action.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of today XX/XX/2020 Experian is reporting an in accurate, Unverifiable, misleading, inconsistent account onto my consumer profile.a violation of FCRA rules section 1681. 

Account name : ( XXXX XXXX XXXX XXXX  ) : Currently this account is being reported as verified & updated by Experian, while account reports no credit limit, no balance. A violation of FCRA rules section 1681. 

: Currently this account is being reported as updated and verified but still doesn't report last date of activity. A violation of FCRA rules section 1681. 

: Currently this account reports no date of last payment made. A violation of FCRA rules section 1681. 

: Currently this account doesn't report if Account was sold. A violation of FCRA rules section 1681. 

: Currently this account doesn't report terms of agreement. A violation of FCRA rules section 1681. 

: Account doesn't report date closed. A violation of FCRA rules. 

: Account doesn't report date Account was charged off. A violation of FCRA rules. 

: Account doesn't report type of account. A violation of FCRA rules. 

: Account does not appear on either XXXX  or XXXX  inconsistent reporting a violation of FCRA rules. Section 1681
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that there were fraudulent accounts.
Product: Credit card or prepaid card

On XX/XX/2022, I called American Express to address my APR for my Blue Cash Everyday card and options to reducing it. Within the conversation, I was informed about transferring credit lines. The representative stated to me that if I paid off the total amount on my XXXX XXXX XXXX XXXX which was a credit limit of {$2000.00}, I would be able to transfer the full {$2000.00} limit to my Blue Business Card. With that information, I accelerated my payments for XXXX, XXXX, and finally paying off the card on XX/XX/2022. 

On that same day, I followed up with another call to American Express and inquired about the clearing of my funds to pay off of my Blue Cash Everyday card ; a replacement card for that account and transferring my credit line to my Blue Business card. Due to the fact that I needed to replace my Blue Cash Everyday card, my process to transfer was stalled. Once I received my replacement Blue Cash Everyday card, I called back on XX/XX/2022 at XXXXXXXX XXXX  and, initial spoke to representative XXXX. I was informed by her, I would not be able to transfer the full amount of {$2000.00} from my Blue Cash Everyday credit card to my Blue Business Card. She stated that only {$1000.00} would be eligible. I stated that I was not made aware of this limit and that I was misinformed by two previous representatives. I asked to speak to supervisor. XXXX return to the line with XXXX the Customer Service Supervisor. She reiterated XXXX 's messages that I would only be able to transfer {$1000.00}. I had requested to receive and verify any type information and was told that there is no such policy to provide to me as a consumer and business owner who utilizes their institution. 

Then as we worked to a compromise through the available options to move forward on the issue, I agreed to move forward with the {$1000.00} transfer from my Blue Cash Everyday card to my Blue Business card, but was informed that it is not a guarantee and that an application must be submitted for internal approval. Another curve with no provide to be provided to me to verify or make an informed decision. 

I decided that I would not be moving forward with the application due to not being provided with enough transparent information to make an informed decision. 

American Express has misinformed me as a Consumer XXXX XXXX  XXXX by guiding me to accelerate payments to pay off a credit card with the hopes of transferring a {$2000.00} credit limit to my business when I could have used my funds for my business operation.
Product: Credit reporting or other personal consumer reports

Called company daily beginning XX/XX/2023 through XX/XX/2023 and formally requested, in accordance with the Texas Freedom of Information Act, that copies of all information and data regarding my vehicle loan be sent to my current address. This was to include their reason for their decision to restrict my online access since XX/XX/2023. They have refused to do so. Also request copies verifying all payments made, interest paid, principal owed, and the documentation verifying the current status of the account. Subsequent request were made again in XXXX, XXXX, and XXXX. XXXX XXXX XXXX XXXX refuses to comply with my request. The last request for this documentation was made in mid XXXX. The current account status on my Experian Credit report shows the account is CLOSED and that it has been CHARGED OFF and WRITTEN OFF. It also shows the payment status as Late for XXXX among other months. However when I call to XXXX XXXX XXXX XXXX they state the account is CURRENT and OPEN. I have ask them to CORRECT the errors on my credit report and filed several disputes with each of Credit reporting agencies ( Experian, XXXX, and XXXX ) however my disputes are denied saying the investigation finds the information valid and accurate ( paraphrasing ). 1. Please allow me online access again since it has been 180 days since my request was made and it still remains ignored. 2. correct the credit report ( all 3 ) to reflect as OPEN and as current and due to the fact the payment history is filed with inaccuracies and due to the fact XXXX XXXX refuses to provide me with updates regarding my balance, confirmation of payments, etc I ask that the Credit report shall reflect no late payments or delinquencies. I request this due to the illegal, and egregious and retaliatory manner in which XXXX XXXX XXXX XXXX has administered my loan.
Product: Payday loan, title loan, or personal loan

I have a company that is free to help me get guidance in talking or helping me with this problem and they wrote the letter to you to reopen my case. Since my other half XXXX   it's been very hard to keep things straight and keep my head above water and they have already taken my car once and I can't have thast happen because of the 15 doctors I have to see each month and XXXX I have to work with all the time. I have XXXX XXXX to take and I'm suppose to have a person staying with me 5 hours a day and taking me to my appointments with my car not theirs but this is just another way for them to take it again. It costs almost {$1500.00} to get it back and that means I have to use my rent money and my other money to keep it. 

I don't know if the company that is helping for free sent you any of the copies of the letters they have been writing me for the last couple of months, but I did ask the man to do that along with sending the information you needed again to open up my complaint again. Please help me with this ... .I 'm so stressed out right now and the doctors are all angry with me because I want a job and they won't let me wo rk. I'm going to be XXXX and I'm so XXXX and I'm XXXX XXXX XXXX XXXX   and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I just want my car and the title in my possession and not have to worry about them taking it. It's terrible when the other half of your income is gone in a n instant and you don't know what to do next!!!!!! PLEASE HELP ... .I KNOW THEY THINK THEY CAN GET A WAY WITH THIS AND THEY'RE TREATING ME LIKE A JOKE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Transunion on XX/XX/2021 regarding a false account that I have reported to them via mail in several dispute letters. The falsely reported account listed as XXXX XXXX XXXX. Transunion stated in a letter that they sent me that the account was verified. I reached out Transunion and asked how did they verify the debt! According the law I know that I have a right to know how this account was verified. 

Also, according to FCRA 15 U.S. Code {$1600.00} ( XXXX ) ( a ) - reports containing information solely as to transactions or experiences between the consumer and the person making the report shall be excluded from a consumer report. How is it that they can report this information based on what a creditor told them without having proof of the account! 
Sending over a final bill that was altered is not PROOF! 

This is my final attempt to get this false account deleted from my account before I take legal action and sue for EVERY violation from this XXXX XXXX XXXX people and Transunion. This has been damaging to my credit and I haven't been able to find a decent place for me and my kids to live because of it. 

Thank you for your time and help in this matter and hopefully we can get this resolved finally.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to the Equifax breach. I was told that I may have been infected by the breach so I called the hotline and they told me to sign up for the monitoring of my accounts. My complaint is that it is for only one year and I feel this is not long enough because a thief would wait for the year and then try to use my data. This is like a money maker for equifax because if anyone wants the protection will have to pay for something that Equifax let happen.
Product: Checking or savings account

I received a promotion in the mail fr om Santander Ban k to open a ne w Business Account  with them in exchange for a {$500.00} bonus. The requirements for the bonus were to maintain an average daily value of more than {$1000.00} for more than 3 months.  <P/> I opened the account with a banker and a {$100.00} deposit. The banker said I could deposit the rest of the money when I got my debit card, which did n't arrive  for 2 weeks. A s soon as I got the debit card I deposited {$1000.00}. I then kept the balance of my new account above {$1000.00} for the proceeding 4 months.  <P/> I saw no bonus deposited, so followed up  with Santander who r eviewed and denied the bonus twice, citing that I had not maintained an average daily value of over {$1000.00} for 3 months.  <P/> It is misleading that the promotion was advertised in such terms, I deposited the funds as soon as I was able ( once I had received my banking card ). If the requirements were to have {$1000.00} in the account from the day the account was opened, they should ha ve A ) explicitly said so in the promotion they sent me, and B ) the banker should have indicated this. I made t he banker aware of the promotion, and she manually reviewed it and entered the promo code into her system when opening my account. She told me that waiting until my debit card arrived would be fine to deposit the full {$1000.00}. Had she told me that I needed to deposit the full {$1000.00} that very day, I would have certainly done so.
Product: Bank account or service

On XXXX XXXX, 2015, I opened a checking account with TD bank over the internet. I deposited {$100.00} and was given confirmation of opening account #. On XXXX XXXX, 2015, I received their " Welcome to your new checking account '' snail mail. 

At XXXX on XXXX XXXX, I was awakened by an email from TD telling me that my deposit was unsuccessful and that I need to visit a store to make my initial deposit. At XXXX I called the number provided in the email ( XXXX ) to find out what happened to my money and the account I opened. The woman who answered the phone asked for my SSN and looked something up in the computer. She told me that someone closed the account and did not leave any note about why it was closed. 

I do n't care about the account anymore. They can keep it closed. My problem is that they closed the account and did not return any of my money.
Product: Credit reporting or other personal consumer reports

In XX/XX/2024 I asked XXXX ( XXXX XXXX XXXX ) to give me the info on how they received my info along with the original contract since they own an acct with my name on it. I sent the letter certified and asked to receive a response in 30 days. I received neither! I asked All three credit bureaus to verify this info and to verify how they got in info and they STILL have not gotten back with me. Its been about 75 days!
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing issue regarding Incorrect personal information on my credit report. Despite multiple attempts to dispute these fraudulent information with Equifax, my requests have been disregarded. 



These addresses and information was placed on my credit report from accounts that was fraudulently placed on to my consumer report. 

Incorrect Name - XXXX XXXX  Incorrect Name - XXXX XXXX XXXX Incorrect DOB - XX/XX/year>XXXX  Incorrect Address - XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, TX, XXXX Incorrect Address - XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX EMPLOYER XXXX XXXX XXXX
Product: Credit card

I was charged an erroneous amount of {$38000.00} by American Express which i disputed. Amex filed a complaint in Superior Court, XXXX XXXX, New Jersey.I won the case, and the Judge issued a Civil Action Order of Dismissal on XXXX XXXX, 2014. I sent the dismissal order to the XXXX credit agencies immediately. To date, my credit report shows the {$38000.00}. items as a past due item that was charged off. I sent XXXX more copies of the dismissal order but the credit agencies continue to ignore the order. I have suffered financially because I have been turned down for loans because of this item, and some of my credit cards have been cancelled, and the interest rates were increased.
Product: Credit reporting or other personal consumer reports

XXXX XXXX {$590.00} XX/XX/year> XXXX XXXX {$440.00} XX/XX/year> XXXX XXXX {$73.00} XX/XX/year> I was not notified of these bills on my account. I dont believe theyre mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Are reporting an account that was resolved between me and XXXX XXXX. And as off today ( XX/XX/20 ) I have 2 active accounts with XXXX XXXX. Have tried to dispute negative on account but was rejected!
Product: Debt collection

The collection agency had been repeatedly harassing other people in an effort to contact me, even after being told by those people that the collection agency had the wrong number. Apparently, the messages to other people referenced a " judgement '' against me. 

In order to stop this harassment, I contacted the collection agency. The man I spoke to tried to portray himself as a neutral party and said he would be " advocating '' for both me and " the client. '' He then hinted that I had commited " theft of property '' amongst other crimes and that he wanted to offer me a chance to settle before he " sent it to the county. '' I interpreted this as a threat of criminal prosecution. 

I asked the man to verify the name of his company. He stated XXXX, XXXX. 

He then offered several payment options. When I requested that he send documentation of this payment offer, he refused. He then again implied I had commited crimes and would face action from " the county. '' The call ended shortly after.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Credit Collection Services for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of XXXX and XXXX, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Credit Collection Services, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Credit Collection Services, continues its collection efforts, I will file for litigation for actual damages caused and Credit Collection Services, shall be liable for violations of TILA, FCRA, XXXX, XXXX, the XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX FTC XXXX and XXXX Act. 

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant XXXX XXXX. Your prompt attention and response are both requested and required.
Product: Vehicle loan or lease

On XX/XX/XXXX I had made an ACH Payment through the NFCU app. On XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX, and decided to trade my XXXX XXXX XXXX XXXX, for a XXXX XXXX XXXX XXXX XXXX. I contacted Navy Federal Credit Union for a 14 Day Payoff for my XXXX XXXX XXXX XXXX, this was necessary for the Lease agreement with XXXX XXXX XXXX XXXX for a XXXX XXXX XXXX XXXX XXXX. I received a 14 Day Payoff from Navy Federal Credit Union for my XXXX XXXX XXXX XXXX, which was good until XX/XX/XXXX. I noticed that XX/XX/XXXX fell on a Saturday and discussed my concerns with the Customer Service Agent. While on the phone with the same agent who gave me the 14 Day Payoff, I inquired if the payment I made the day prior had been processed and applied to the account. I was informed it had not been applied and the 14 Day Payoff did not include the XX/XX/XXXX payment. The Customer Service agent told me that he processed an ACH Payment Reversal since I was trading in the XXXX and it wasnt included in the payoff. The agent advised me to contact XXXX to try and catch it just in case. This payoff amount was given via telephone, and on the Navy Federal Credit Union XXXX Application. XXXX XXXX XXXX mailed the 14 Day Payoff on XX/XX/XXXX. My monthly payment was due XX/XX/XXXX of every month. Previously NFCU has posted payments or fees on this loan on Saturdays, when it benefit NFCU interests. Despite receiving the loan payoff prior to XX/XX/XXXX NFCU did not process the payoff causing second and third order affects, a late fee and causing the payoff to expire. On XX/XX/XXXX promptly applied a {$29.00} late fee to the loan. Navy Federal Credit Union did not process the loan payoff until XX/XX/XXXX. Additionally, Navy Federal Credit Union erroneously applied the payoff payment as a regular payment. Then Accounts Receiving reversed the misapplied payoff payment. Furthermore, Navy Federal Credit Union Accounts Receiving processed only {$48000.00} which is a portion of the payoff to principal balance. Navy Federal Credit Union applied the remainder into another adjusted split payment of {$2300.00}, {$1700.00} to principal and {$610.00} to interest. I followed the advice and guidance from the NFCU Agent, and I need this resolved before XX/XX/XXXX to prevent further damage to my credit.
Product: Credit card or prepaid card

On XX/XX/2019, I applied online through XXXX XXXX via XXXX for a Chase Freedom credit card, which immediately showed up in my XXXX credit file as a hard inquiry. More than a week later on XX/XX/2019, I received a reply from Chase in the form of a secure message through my online account with the merchant ( I have two existing credit cards with the merchant, a Chase Slate and Chase AARP credit card ) requesting that I phone in to verify that the application was submitted by me. I responded the same day with a secure message through my online account indicating that the application was indeed submitted by me, but chase repeatedly insisted that this would not suffice and that I would need to phone in. I indicated yesterday that since the request to verify my identity was made through my online account, it should also be possible to process my identity verification there, and that I wanted the hard inquiries Chase made to my credit files removed if this were not the case. Chase responded today via another secure message by once again requesting that I phone in.