23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX I spoke to XXXX at PenFed and asked for my account to be closed. She instructed me to turn off my card on the PenFed and pay my balance. She informed me that I had {$32.00} in their regular savings account and {$220.00} in XXXX XXXX XXXX I sent a check for the balance on my monthly statement ( {$1000.00} ) and a 2nd check in the amount of {$360.00}, which XXXX said would pay my account in full. Those checks were cashed by PenFed on XX/XX/XXXX. 

However, in XXXX, XXXX, I received another statement from PenFed claiming that I had a balance of {$160.00} due, which included a {$21.00} fee. I spoke to XXXX initially and she transferred me to XXXX XXXX card account disputes ) who said he could wave the {$21.00} late fee leaving a balance of {$140.00} due. I sent in a check for that amount on XX/XX/XXXX which was cashed on XX/XX/XXXX with the understanding that my account was now finally closed. 

In XXXX, XXXX I was notified by PenFed that my account still was not closed. I spoke with XXXX who informed me that my card was closed but my account was not. She transferred me to XXXX who said she could remove charges for two different automatic payments ( which admittedly I had forgotten to cancel ). I explained to her that my XXXX XXXX autopayment had been rejected so didn't understand why the other two had been accepted. She confirmed that I should have had a XXXX balance for XXXX. She stated that I had {$37.00} in my savings account with PenFed. I was then transferred to XXXX who said she had to present my case to her supervisor to get the credits approved and bring my account to closure. She said it might take until the next day but that she would call me back when it was approved and that they would mail me a check for the {$37.00} in my savings account. She didn't call back. 

On XX/XX/XXXX ( XXXX ) I called PenFed and spoke to XXXX. She said that the XXXX charges were still on my card and that PenFed would not close my account until I paid. She said she would have a supervisor call me but this didn't happen so I called back. This time ( XXXX ) I spoke to XXXX who said that I still owed for XXXX charges even though I had requested account closure in XXXX, XXXX. 

I have spent a few hours on the phone with these people and put on hold for minutes and minutes at a time and multiple times in each phone call.
Product: Credit reporting or other personal consumer reports

You are reporting Inaccurate, information in consumer reports concerning me that you have compiled and published to third parties. The following tradeline item is Inaccurate because the following accounts report inaccurate information. 


Account Name : XXXXXXXX  XXXX Account Number : XXXX Please Delete this Account! 



Account Name : XXXX XXXX XXXX / XXXX Account Number : XXXX Please Delete this Account! 



Account Name : XXXX XXXX - XXXX Account Number : XXXX Please Delete this Account!
Product: Checking or savings account

Hi, This concern is with Bank of the West. 

I opened an account after the loan officer at a branch encouraged me to open an account being the checking account would be free because of my new loan. I took his advice and decided later to open a checkingaccount with bank of the west. 

A few months later, I was impacted by Covid19 and bank of the west helped me push off a few of my payment 's due to my job loss. 

I received a notice my account being negative by around {$10.00} and advised over the phone my account is being charged off unless I got to a branch a pay the balance ( which I did ) and have a receipt. 

My concern is I was advised I had a free account. I got in the negative because of service fees associated to the checking account. I felt mislead by the company. 

I called today the 800 number for customer service to ask if my account was closed in bad standing and if I would be reported negatively with any credit reporting agency. The agent said I have to speak to the branch at phone number XXXX. Spoke to a woman and she said I don't know why the phone agent transferred you there because back office is handling this. 

I asked for direction to assure I am not being reported negatively and the account is being closed with a XXXX  balance. Neither person was able to answer and was unsuccessful in obtaining the information.
Product: Prepaid card

I received a {$500.00} AmEx gift card last year and I have had tremendous difficulty getting the card to be approved by most large retailers, such as XXXX, XXXX, XXXX XXXX, grocery stores, and XXXX. I was able to use the card for niche holiday purchases, but have been unable to use the remaining {$250.00} on items that I would use myself. I would just like a check of the remaining balance so I can use it without getting declined by every mainline retailer. Thank you.
Product: Debt collection

SANTANDER CONSUMER USA along with XXXX XXXX XXXX have committed fraud and have scammed me out of money. The auto contract that they had me sign was deceptive. They furnished a false and deceptive form to take advantage of me. They took my money in a consumer credit transaction that contains a finance charge, which does not include charges of a type payable in a comparable cash transaction. They then went on to add my cash down payment of {$2000.00} to the grand total it'll cost me for the purchase of credit instead of subtracting that amount they took from me, which was unlawful to begin with. They titled the credit application as " Retail installment contract and security agreement, '' which is furnishing false and deceptive forms. Within the Truth in Lending disclosure they stated that I'll be paying {$460.00} for 72 months, which equate to {$33000.00} but the finance charge is the only charge I should have paid due to it being the sum of all charges pursuant to the Truth In Lending Act, which was {$22000.00}. Furthermore, the finance charge shouldn't be paid in cash because a consumer credit transaction can only contain credit or cash, not both. The use of my credit card ( social security card ) was used to pay the finance charge, which was {$22000.00}. These corporations have violated the Truth In Lending Act and deceived me in the process of purchasing the vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been recently discharged in Bankruptcy Court of XXXX Tennessee Docket XXXX. all other credit reporting have removed the accounts as being reported except Transunion
Product: Bank account or service

I am contacting you for my son who is XXXX. His girlfriend did his taxes and placed her checking account number for deposit. In the meantime she overdrew her checking account and did not pay the fees. She tried to close the account but the bank would not let her until the fees were paid. Meanwhile they charged the account daily. My son 's name is not on this bank account. The bank took all of my son 's tax return in the amount of {$1000.00}. and will most likely take his state tax return as more money is owed on the account. The bank in TD Banknorth in XXXX, XXXX. My son 's name is XXXX XXXX XXXX/XXXX/XXXX, SS. # XXXX. The other account belongs to XXXX XXXX DOB XXXX/XXXX/XXXX. XXXX and XXXX are not married. I am concerned as I do not feel that XXXX should have to pay XXXX 's bank fees with his tax money.The bank told him to contact the IRS and the IRS did not seem to be able to help. My name is XXXX XXXX DOB XXXX/XXXX/XXXX. SS XXXX. I can be reached at XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX  XXXX XX/XX/2024. 

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir/Madam, I am writing to file a complaint against the debt collection agency TrueAccord Corp ( XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX for repeated violations of the Fair Debt Collection Practices Act, as well as other state and federal consumer protection laws. 
TrueAccord has persisted in attempts to collect a debt from me that was previously paid in full over 7 years ago to another collection firm. Despite my efforts to explain the debt is not owed and demand they cease communications ; they have continued to harass me. 
This unlawful collection attempt has caused me significant emotional distress, anxiety, anger, and wasted time and energy dealing with their fraudulent claims. TrueAccord failed to conduct basic due diligence to validate the debt before pursuing collections, which represents an unconscionable violation of my rights as a consumer. 
Under the FDCPA and other relevant statutes, I am entitled to pursue maximum statutory damages allowed per violation, as well as actual and punitive damages. I have retained legal counsel and intend to sue TrueAccord for the maximum damages possible if this egregious harassment continues. 
I respectfully request the CFPB investigate TrueAccord 's actions and take appropriate enforcement measures. Debt collectors can not be allowed to flagrantly violate the law for profit at the expense of consumers ' rights and emotional well-being. I have included documentation of their unlawful collection notices. 
Thank you for your attention to this serious matter. I look forward to your response and action to hold TrueAccord accountable. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

Charged for forced place insurance when private insurance was active. 

The property has been insured by the same insurance company, XXXX, for twenty-five years without lapse of coverage. 
XX/XX/XXXX - Seterus  Incorporated received a policy renewal notice XX/XX/XXXX - Seterus Incorporated paid {$2900.00} for policy renewal XX/XX/XXXX, XXXX Effective date of policy XX/XX/XXXX - Policy changes after review XX/XX/XXXX - XXXX forwarded new policy to Seterus Incorporated, documentation available XX/XX/XXXX - XXXX issued Seterus Incorporated an adjustment of {$600.00} XX/XX/XXXX - Seterus Incorporated posts adjustment XX/XX/XXXX - Seterus Incorporated writes letter stating insurance has expired XX/XX/XXXX - I faxed Seterus Incorporation the policy information again, documentation available. 
XX/XX/XXXX FORCED-PLACE insurance activated Seterus Incorporated is in violation of Title 12 chapter 27 2605 ( k ). Seterus Incorporated had documentation, supplied by myself and the insurance company, that should have brought into question Seterus Incorporations ASSUMPTION that property insurance was not in force. 

Additionally, though this would take some thought, a yearly policy that cost {$2900.00} canceled forty-five days after activation should warrant a refund of about {$2500.00} NOT {$600.00}.
Product: Debt collection

I was contacted by phone by Rent Recovery Solutions, XXXX. The collector told me that I owe a debt that I do not owe. I requested that she mail information to verify the debt to me. I gave her my current address and she recorded it. She stated that a letter went out to an outdated address. I said, please mail me information in writing to my current address. She refused. She said that if I did n't give her a fax number or an email address, then I was not going to get it. She was belligerent and combative about it. I asked, then why did you take down my current address? She said she would not mail me anything and that she could only use fax or email and that it would only have the name of the creditor and the amount due, no explanation as to where the amount came from or why. I informed her that it is my right as a consumer to have verification of the debt and the amount mailed to me in writing, and she still refused. She has called me back 4 more times, even though she has refused to verify the debt in writing. I believe the behavior of the debt collector is in violation of the Fair Debt Collection Practices Act. 

I have since disputed this debt in writing to this company. The letter that was mailed to an outdated address was eventually forwarded to my current address via the USPS. Luckily, I was able to respond in writing within 30 days of the date of that letter to dispute the debt. This is how I found the name and address of the company. If the mail had not been forwarded to me in time, I would not have had the opportunity to respond within 30 days. I think that is why they refused to mail anything to my current address - they did not want me to be able to dispute the debt in writing. I did not have access to a fax machine and, because this sounds like a scam, I did not want to give out my email address. The FDCPA specifies that verification must be mailed to me - not faxed or emailed.
Product: Credit reporting

My husband and his previous deceased wife have a collection on his credit report from XX/XX/XXXX. I called the collection company 'Outsource ' to get information on his report. They now have that collection debt on my credit report! I called the company about my credit report and that the debt is not mine - this occurred in XX/XX/XXXX and I married my husband in XX/XX/XXXX. They did agree and stated that they would remove it from my credit report. This was on XXXX/XXXX/XXXX. They informed me to " check my credit the next week and it would be removed. '' I again checked my credit report on XXXX/XXXX/XXXX and it was not removed. Again I called the collection company 'Outsource ' and again the manager agreed that it should be removed and they would have it removed as soon as possible. I did question their process because they stated they had given information for it to be removed from my credit report previously, but it had not been removed. Checking my credit report today - I am showing that the collection is still on my report and has not been removed and I am showing that XXXX/XXXX/XXXX was the date it was reported. ( I am assuming this was the updated date of any information from the company ). If they are reporting ANY information in a timely manner, would it not be removed by now? This has greatly impacted my score - it has dropped XXXX-XXXX+ points! Will this be corrected? 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, 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 any 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Company : XXXX XXXX : {$10000.00} XXXX : XX/XX/2015 Ive contacted this company multiple times and have expressed that this account was fraudulently opened in my name as I was across seas at the time. Ive submitted police reports on the matter and they are still reporting this fraudulent account to my credit file. It needs to be removed immediately!
Product: Debt collection

I had a pop up on my credit report of a XXXX  account. Which I have never had any phone account in my name. I have been on my parents for years and years. Never even inquired about a account, when reaching out to the company to ask what this was about I was demanded I pay the account right now, and that they will not assist me in getting the information I needed. When i finally did get a little information from the guy on the phone the address and phone number was not mine nor was never mine. He told me I had to wait for XXXX XXXX to reach out which is not accurate due to the fact that I did call XXXX XXXX  and the said account was already sold
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of buying an ATV for summer fun. As I was looking for the one I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualify. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. XXXX  XXXX {$480.00} XXXX  XXXX {$1300.00} XXXX XXXX {$760.00} XXXX {$220.00} XXXX XXXX {$1000.00}
Product: Checking or savings account

I went to XXXX  XXXX XXXX ATM XXXX on XX/XX/year> and tried to withdraw {$300.00}. I selected 3 {$100.00} bills. The ATM sounded like it was counting the money, the door opened and the screen said to take my money. However, there was no money there. The door closed and the transaction ended. I tried to go inside, but the bank was closed. A lady in a car told me it took her a minute to get her money but still none came out. Then a man came up and told me he didn't get his money either and he called and reported it. I called the phone number on the ATM but it wouldn't allow me to speak to anyone and told me to report the issue to my bank, which I did. The dispute was not in my favor so I asked for a review and submitted a statement explaining the issue. On XX/XX/year> I went back to the XXXX  XXXX XXXX to try to resolve the issue, but once again they told me they couldn't do anything and to resolve the issue through my bank. The review came back not in my favor again. I then went online to dispute the transaction and again was not in my favor. So I requested the evidence they used and was just sent the status of the dispute. Once again I requested the evidence used. I received a transaction history from the atm that said I received the money, not really evidence since the atm malfunctioned, they also sent an atm over short statement saying the atm was over {$1600.00}. That should be evidence in my favor or at least enough to request additional evidence. I called USAA again about the dispute and received a follow up saying the transaction history was all the evidence they needed and didnt care that the atm was over {$1600.00} and that the dispute is closed and will stay that way without further evidence and to contact XXXX  XXXX XXXX . I contacted XXXX  XXXX XXXX again which still told me to contact USAA. I explained to them USAA doesnt care and wont do anything else since XXXX  XXXX XXXX gave USAA a receipt. They said they will try to look into it but didnt have a way to open a dispute since my account was with another bank. Ive been a USAA customer for 17 years Im now looking into other banks, credit unions. Ive come to the conclusion that my money isnt safe with USAA because as long as somebody provides them a receipt, then they are satisfied and their investigation is complete. I cant believe USAA wont look into this issue any further when the little evidence that was provided is in my favor.
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on Experian Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, TransUnion deleted and block information appearing on my consumer credit report that is the result of identity theft and fraud within at least 4 days of you receiving this complaint. The fraudulent, inaccurate, and false information of a personal credit card account, personal loan, and an auto loan opened. Also due to the data breach from XXXX which also caused my information to be exposed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These fraudulent accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and charge offs are the result of identity theft and fraud.