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

A company charged my debit card {$3600.00} and that amount was not authorized. I called Navy Federal Credit Union to asked why did they allow that charge to go through when there was no money in the account. Navy Federal Had no answer. While my account is currently in the negative during the dispute of this {$3600.00} charge XXXX currently getting charged multiple return fees to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX this is the same complaint but 7 days later. A woman named XXXX called from the JP Card services and left me a wrong number. When I tried to call back the number that she called me from, it hung up on me. Please get this Credit Card I have never had off my credit reports. This card does not belong to me.
Product: Credit reporting or other personal consumer reports

My credit report from XXXX and XXXX is not showing my credit accounts at all so every time I try to get to them they shift the blame to creditors and when I contact the creditors they send me back to credit bureau
Product: Credit card or prepaid card

From about XX/XX/XXXX when I notified Discovery Bank that I am calming XXXX on their payment protection plan they have tried to take more money out of my bank then I authorized. I would authorize a {$100.00} payment on each of my card to them, they would try to take from {$100000.00} to {$10000.00}! then would charge my cards with that amount as if it was a transfer to my bank! I would call them they would say " computer error we fix ''! they did not fix the " computer error. They even got {$5000.00} from one of my other credit cards that I did not authorize. Seems that Discover has been sued a number of time for stealing for consumers!
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT PURSUANT TO SECTION 605B, YOU MUST REMOVE THIS ACCOUNT. THE FRAUDULENT ACCOUNT IS XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My initial complaint about the inaccuracies of the late payments posted on my report were not corrected at all. Instead the whole account  ( s  ) for my loans were deleted. If their research showed that the late payments posted are valid or invalid then fine, because that was whtf I asked you all and them to look into. But instead TransUnion completely erased those three student loan accounts that were in my files and showed years of on time payments so of course that now has affected my score. It is very unethical for this company to do so and probably illegal for all I know to erase accounts that were current on my account. The other  two  agencies were able to look into the validatiy of these accounts while not emerssibg them. So why has TransUnion? It seems they intentionally did this jut because I questioned their reporting which I have every right to do as it 's my credit report  ( s  )! There 's no way a credit reporting agency is not aware that erasing three items im currently still paying on would not affect my scores greatly. They intentionally affected my average age of accounts which in turn also lowered m y credit score  significantly and I would like this reversed and corrected immediately! Thank you for your time and assistance in this manner.
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. 

XXXX XXXX XXXX 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, 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: Credit card

I have ordered a watch with cartier. i was supposed to receive by XXXX on XX/XX/XXXX The company send me a item which i didn't receive i have asked American express credit card company to help me dispute this item with XXXX and they have lagged since XXXX. i got a copy from XXXX on XX/XX/XXXX after contacting them as well multiple times. they have send me something finally saying that the shipping company ( XXXX was supposed to check my DRIVER LICENSE and than have me sign before delivering the item. But they have not checked my id nor they did have me sign but shows delivered and shows delivered from XXXX and now XXXX does not want to credit me back my money since i have not received my item nor does XXXX nor does American express company which i though they were supposed to help me and protect me. American express company did not protect me as their client or tried to help me. I have a proof from XXXX saying an email saying they were supposed to check id and have me sign but all XXXX has is saying delivered to residence XXXX XXXX California. That does not prove anything. Please investigate this matter thoroughly and please help me come up with an outcome that would help me as well. Since i gave the case to American express for 2 months thinking they are filing a police report and they are opening a claim with XXXX they have not done anything to help me resolve this case. I recently on XX/XX/XXXX opened a XXXX case which this is the number XXXX XXXX XXXX for XXXX. And today as of XX/XX/XXXX i spoke to American express rep and they notified me i should file a police report as well. Which i have filled and this is the incident number as well. XXXX this is the police report as well. I don't know how to prove that i didn't receive any items from them and all the merchants are passing me on to the other. I called AMEX CREDIT CARD company they told me i should follow up with XXXX and XXXX company because they have closed my case without assisting me thoroughly or doing their due diligence, I am very disappointed that American express is not helping me fight this case,.
Product: Credit reporting, credit repair services, or other personal consumer reports

according to my credit report XX/XX/22 there are several accounts that are showing open on one company and closed on another. that is inaccurate and needs to report closed on all 3 companies. as well as balance reporting XXXX if one company is reporting XXXX all of them should report XXXX
Product: Money transfer, virtual currency, or money service

I reported an error transaction almost a month ago, I have not received a provisional credit
Product: Credit reporting or other personal consumer reports

I pulled a copy of my consumer report and noticed some items I would like to dispute. XXXX  XXXX XXXX has already stated that the item reporting on my credit should not be reporting so I need a new credit report with the tradeline DELETED. Also, for the Discover accounts, I am requesting the method of verification that XXXX used to verify these items per 15 U.S. Code 1681i ( 7 ) as is my right to request under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  # XXXX should not be reporting any late payments from XX/XX/XXXX through XX/XX/XXXX. Experian has failed to update this information on our credit files. This needs to be removed immediately!
Product: Bank account or service

I bank with WellsFargo and they constantly charge me NSF fees unlawfully. I had a debit post to my account on XX/XX/XXXX and then somehow I was charged a XXXX dollar monthly fee and then they charged me an NSF fee after the payment already posted. They constantly credit cash after they debit my account. The bank teller actually gave me XXXX dollars less when I made a withdraw at the bank the other day. This bank is just a bunch of thieves!
Product: Debt collection

Wakefield & Associates is attempting to collect a debt after I provided them proof that the debt was paid to the original creditor, prior to receiving any information from Wakefield & Associates.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was original complaint, the company answered but never researched as stated, if so, they would have gotten the same letter I did which shows this accident someone else and not me. I am attaching new evidence. 

I attempted to get insurance for my car through XXXX XXXX, and the rate quoted during quote was lower than when I went to check out. It stated I had an accident with injury on XX/XX/XXXX that I was at fault over, I talked to service person and they confirmed and gave me phone number and Reference number # XXXX. I contacted LexisNexis ( XX/XX/XXXX ) and over the phonean automated system took information and was going to send me a report which I still haven't received. Couple days later I contact LexisNexis again and talked with a lady who stated I had this on my report but with no injury and that it was an accident with a travel trailer that belonged to my ex wife in which she ran it into her house backing it in. I gave the lady from LexisNexis all information AGAIN and she was going to file a claim to remove. On XX/XX/XXXX I received a letter stating they can't find a file matching mine. So I tried to get XXXX XXXX again thinking it had been removed, but still shows against me. At this point I don't know how much extra I have paid since XX/XX/XXXX due to this and now they're playing games stating they have no information
Product: Checking or savings account

On XX/XX/19 my paypal acount was abruplty limited by paypal and they requested documents. Legitimate documents that were requested were provided and thereafter for absolutely no reason my account was placed on indefinite hold with {$1700.00} in the balance. This is is an illegal and unjust hold of funds and is causing me a financial burden.
Product: Mortgage

I am filing this complaint, on my previous mortgage company, Wells Fargo Home Mortgage I have been in my home for 25 years. Wells Fargo Home Mortgage has been my mortgage company for the entire time. Since day one Wells Fargo Home Mortgage has paid my homeowners insurance annually, then billed me monthly for the coverage. Wells Fargo sent me a letter, via regular mail, advising me that my mortgage had sold and that I would be making my monthly mortgage note to XXXX XXXX XXXX XXXX. They also advised me that everything would remain, IDENTICAL. Except who I paid and where I sent the check. I was ok with the fact that my mortgage had sold because Wells Fargo Home Mortgage SAID EVERYTHING WOULD REMAIN IDENTICAL.On XX/XX/2023 my house caught on fire, the fire engulfed 75 % of my home, thank GOD WE ALL MADE IT OUT OF THE HOUSE IN TIME. I called XXXX XXXX XXXX XXXX to inform them of the fire and wanted to obtain the insurance companys phone number and contact. It was then, that I was informed that they had only placed lender insurance on my home. I was in shock and disbelief that no one notified me of this change, and that the rebuild and compensation for all my belongings were not covered on their lender placed insuranceWells Fargo Home Mortgage said everything would remain identical, but XXXX XXXX XXXX XXXX obviously had different intentions like saving XXXX which is the difference in cost from full coverage home owners insurance and lender placed insurance. Their was no indication that they had dropped the full coverage, my monthly payment did not go down, that alone would of raised concern on my part. Its almost as though they were being deceitful in their actions, that indicates to me they may have a financial incentive for doing it! Every single year my Homeowners insurance was paid by my mortgage company, then it was broke down into monthly installments and added to my monthly mortgage note. Wells Fargo Home Mortgage stated everything would remain identical
Product: Checking or savings account

I am writing to you as a customer of both XXXX and Capital One, to ask for your assistance in resolving a problem. My wife and I naively transferred {$50000.00} from a Capital One account in my name to a XXXX account in her name. It was flagged as fraud ( third party transfer ), and our nightmare began. The funds are being held by XXXX, and both banks seem to agree that there is no fraud. The way we set up our new XXXX account ( in one name only ) was clearly our error. In retrospect, we should have opened it as a joint account. 

After two months of back-and-forth between the banks, we are still unable to get access to our {$50000.00}. I am seeking your assistance in helping us navigate this process so our family can get access to our funds. Attached please find the background of the calls and actions we have taken to date to get this resolved.
Product: Checking or savings account

On XX/XX/2023, I lost my cell phone and my Global Credit Union ( GCU ) debit card. 

On XX/XX/2023, I went to XXXX and they ordered me a replacement cell phone. 

On XX/XX/2023, I received my replacement phone and logged into my GCU account which is when I noticed over {$12000.00} of unauthorized transactions on my account. I promptly contacted GCU to report my debit card lost and report the unauthorized transactions on my account. The representative from the dispute department opened a dispute claim for the unauthorized transactions and ordered a replacement debit card for me. The representative from GCU assured me they would thoroughly investigate all of the unauthorized transactions and help get my money returned to my account. When I asked how long it would take, I was told that the investigation usually takes 10 business days to complete but could take longer depending on the circumstances but they will notify me if they do need more time to complete the investigation and not to worry because during that time I would receive a provisional credit for the amount disputed in the claim which would be credited to my account within the next 10 business days. 

On XX/XX/2023, I received XXXX separate letters in the mail from the Global Credit Unions dispute resolution department both letters were dated for XX/XX/2023 which is the date I reported the unauthorized transactions. The first letter was to inform me of Global Credit Unions election to discontinue providing me with ATM and debit card services based on evidence that I did not adequately protect my debit card and/or PIN which has resulted in multiple losses to the credit union XXXX The second letter I received stated that GCU completed the dispute investigation and has determined that there was no error on my account. 

On XX/XX/2023, I contacted GCU and requested copies of the documents used in the investigation and I asked if I could speak with the person who handled my dispute claim, I was told they would put in a call back request but I never received a call back or the documents.
Product: Debt collection

I was contacted by the debt collection agency informing me that I have a debt owed in my name to some apartments in XXXX XXXXXXXX XXXX. XXXX XXXX this was not me and is not my debt XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd time submitting a complaint about having inaccurate information still reporting on my credit report. Experian is not cooperating with me on this matter and refuses to remove all fraudulent and inaccurate information from my credit profile. Experian keeps giving me the same auto-responses and they are avoiding me and refuse to look into this matter. 

It has been over 120 days & I feel like Im being taken advantage of and being ignored of my disputes. The law plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. 

I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Product: Money transfer, virtual currency, or money service

Last week the SunTrust Bank branch at XXXX XXXX XXXX XXXX XXXX XXXX refused to give me change for a {$50.00} banknote because I do not have an account with them. 

As banks are licensed as a public service I think they should be required to make change ( at no cost ) for everyone. 

Perhaps the District needs a regulation regarding this matter. 

Thanks. 

Best Regards, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This account have been paid to XXXX XXXX XXXX and I have reciepts from XXXX XXXX XXXX proving that the accounts have been paid in full I have disputed your firms reporting of these accounts with XXXX XXXX reporting Reciepts showing payment XXXX and your company has verified this false information. 

Collection accounts that are closed and returned to the original creditors are to be deleted from the Credit reporting agencies, as these accounts are no longer in collection.

Furthermore, if the accounts were paid to the Original creditor, the collection agency can not report these as 'Paid collection ' accounts, since no payments were processed or paid to the collection agency.

Your verifcation of the accounts as a " Paid Collection " is a violation of the FDCPA and FCRA, Specifically ; FDCPA violations ; 15 USC 1692e ( 8 ) providing false information to credit reporting agencies FCRA violations ; 15 U.S.C. 1681i duties of furnishers to provide accurate information.

15 U.S.C. 1681s-2 - failure to provide accurate information, failure to correct reporting.

if your firm does not delete the collection accounts, I will turn this matter over to an attorney for review and legal action in federal court. with additional counts as follows.

15 U.S.C. 1681n Civil liability for willful noncompliance 15 U.S.C. 16810 Civil liability for negligent noncompliance GIVING CONSENT TO REMOVED INACURATE ACCOUNT FIRST XXXX XXXX XXXXXXXX TO BE DELETED WITH PROOF OF REMOVAL
Product: Credit reporting, credit repair services, or other personal consumer reports

This company had not provided their right to lawfully collect in the state of Texas. They are required to get a surety bond. No one had provided this which is required under the Texas Finance code. I will continue to file a complaint until this is removed from my credit or this company proves they are legally authorized to collect in this state. Texas Finance Code 392.202 and 392.101 This company is headquartered in the state of Nebraska. I am a Texas resident. This company is fraudulent and illegally collecting in the state of Texas. I also do not show this credit bureau has a valid surety bond to collect in the state of Texas.
Product: Credit reporting or other personal consumer reports

I want to discuss my recent review of the credit report acquired from your bureau. Upon certain scrutiny, I noticed the existence of reported late payments on my accounts and I disputing this incorrect information. I have done necessary steps to address and find out any postponed payments. I am amused to inform you that other credit bureaus have already took off these late payments from their records. I am peculiar about the discrepancy in reporting between your bureau and others. Please review the accounts and update/correct them. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, XXXX and XXXX XXXX are consumer reporting agencies and I am the consumer. I have a right to make sure my private information isnt shared, which is back by 15 US C 6801 which states It is the policy of the Congress, that each financial institution has a affirmative and continuing obligation to respect the privacy of his customers, and to protect the security and confidentiality of those customers non-public personal informationXXXX XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604A a section 2 states that in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the fallen circumstances, and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX XXXX XXXX, the financial institution in the consumer, reporting agencies, XXXX, XXXX, and XXXX XXXX do not have my consent to furnish this information and they definitely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX XXXX, and The XXXX XXXX XXXX XXXX XXXX whether it be verbal, nonverbal, written, imply, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) States that A financial institution may not disclose nonpublic personal information to a non-affiliated third-party unless the consumer is given the explanation of how the consumer can exercise that nondisclosure option. The XXXX XXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option, 15 USC 1681C ( 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 crime, which antedates the report by more than seven years. This account is an adverse item. They are reporting again without my permission, which is against the law. 15 USC subsection, 1681 s-2 ( A ) ( 1 ) A states A person should not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable, call us to believe that the information is in accurate. 15 USC subsection, 1681e states Every Consumer reporting agency shall, maintain reasonable procedures designed to avoid violations of section 1681c of this title, and to limit the furnishing of consumer reports to the purposes, listed under section 1681b of this title. XXXX, XXXX and XXXX XXXX are not maintaining reasonable procedures. Also, 12 CFR subsection, 1016.7 states that a consumer may exercise the right to opt out at any time. I am opting out of The XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All in accuracies placed on consumer reports are grounds for immediate deletion by law.