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

I woke up to an email alerting me my checking accounts were overdrawn, which l knew l had sufficent funds to cover any charges. I checked online to find both my personal and business checking accounts hit with a {$99.00} XXXX dollar deficit. It was absorbing any deposits or funds l had in my checking accounts. I called the XXXX and Court Order department at Chase Bank and was told they could not tell me anything due to the nature of the hold and to call back in 2 business days.They kept telling me the same message every 2 business days. I even went into a branch and spoke to the manager. She callled the same dept and was told the same message, " Call back in 2-business days ''. Then it changed from a deficit to a " Withdrawal '' on both accounts. Personal was on XX/XX/XXXX ( {$20000.00} ) and business was XX/XX/XXXX ( {$57000.00} ), totalling {$78000.00} stolen from me. Besides being a single mother with bills attached to my personal account, l have business expenses l am unable to meet. This will cripple my business, which has been operating since XX/XX/year>. I have had no communication from anyone about this. I called the IRIS, only to be told it was not them ; l was up-to-date. A colleague told me about a Complaint against an individual l know. I read the Complaint ( XXXX XXXX XXXX XXXX XXXX et al, XXXX ). After reading the Complaint, l even emailed the one Plaintiff attorney on the Complaint to no avail. I knew 2 people mentioned in the complaint, one more recently, but in no way had any idea what they were involved with. Honestly, l did not understand most of the Complaint. With nowhere to turn, I hope the CFPB can assist me in resolving this matter. Thank you
Product: Credit reporting or other personal consumer reports

Please Remove all Fraudulent items as i have no knowledge of any of these accounts due to the Equifax data breach identity theft. All is being investigated by the FTC, According to FCRA 605B this information must be blocked immediately until the investigationover. 
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: Debt collection

I explained multiple times that XXXX wasnt billed properly resulting in me owing a balance. They mailed bills to incorrect address because I moved. My house was destroyed twice in hurricane Mathew then Irma resulting in a natural disaster loss of livelihood. I begged to have my dept consolidated and if the company would settle for half of amount owed and they refused to work with me at all. They were rude about debt told me this is a business and we dont settle down on medical, yet had they billed my medical correctly I wouldnt owe this much. Im willing to pay half off in full but the representative is non negotiable! this debt is 4 years old
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 someone messaged me about buying furniture I had purchased for sale online. I was selling everything for {$500.00}. He sent me a check for {$1300.00} and asked me if I minded paying the movers for him but only when the check cleared with my bank ( Chase ). Once the check cleared and all of the money was in my account, I then payed the movers over XXXX. Everything seemed very legit since the check cleared and i had access to the funds. A week later I get a notification on my bank app that the check was being returned. Apparently " no one, including chase employees, can guarantee to you that a check will not be returned and it is possible that the check will be returned months after you and you've withdrawn them ''. The person helping me at chase went on to tell me that I was " XXXX  '' and proceeded to tell me that this wasn't an emergency. I now know just like everyone else scammed through XXXX that they are not liable. I filed a police report and was assigned an investigator and im sure we all know that will go no where. I have read my rights under the Electronic Funds Transfer Act and also terms and conditions of chase. Chase is compliant with Regulation E of the EFT and i could possibly have a case. Need to investigate and read up on both documents.
Product: Payday loan, title loan, or personal loan

On XX/XX/2023, I requested to borrow from a line of credit offered by Truist called Cash Reserve. I was approved for the credit and the funds were applied to my account immediately. I used a large percentage of the funds for bills and food, leaving a small amount to make sure a {$10.00} check cleared from my utility company that was due to post on the following day. 

The next day, which was the XXXX, I woke up to my checking account being overdrawn {$550.00}. I checked my email to see what was going on and found an unopened email the day prior from Truist thanking me for a payment of {$550.00}. I was beyond shocked. I couldnt believe that for the second month straight I had to pay money back at once that I can not afford to do. I did not call the bank due to me going through something similar the previous month. 

In XXXX, my cash reserve account was forced closed due to two months of nonpayment. I did attempt to correct the situation prior to the charge off, but found out that the due date could not be changed from the first of the month to the third of the month in any way. When I asked about making a payment plan to pay half of what was due in XXXX and the remainder in XXXX, I was told that it could not be done. 

With what has happened, this will be the second month in which I am forced to pay Truist back and figure out how to take care of my remaining responsibilities with limited consequences. I have already been penalized by XXXX XXXX ( the electric company ) for the {$10.00} returned check, adding on an additional {$30.00} for a returned check fee. 

As of today, I have received no correspondence about the forced closure of the cash reserve line of credit. I have no problem with accepting consequences for my mishaps, but this is beyond my control and not my mishap. This situation has me feeling like Truist deals in unfair and unethical business practices that are WAY to detrimental to someone like me who lives on a fixed income and I am quite uncomfortable knowing that my deposits will have to continue going into that account. 

I have accepted my forced fate for my upcoming deposit and have made plans to change banks by XXXX. However, I would love to know why I am being forced to pay back the bank now versus the agreed upon amount of {$140.00} per month starting XX/XX/XXXX. And if this was done in error of any kind, I would like an apology for this and the mental anguish this has caused me.
Product: Credit card or prepaid card

On XX/XX/XXXX I received a letter from XXXX XXXX dated XX/XX/XXXX in reference to XXXX XXXX credit card stating that they were reducing my credit card limit due to information in my credit bureau from XX/XX/XXXX. How can a credit line be decreased from a bureau that is months old? They wont really answer any questions. Now the significant reduction in credit line is affecting my credit score. I am working extremely hard at raising my score. I have never missed a payment with them. I rarely have a balance. I just do t think its right to lower my line from an old bureau report.
Product: Mortgage

I am requesting a detailed explanation of the late fees of {$370.00} charged to my account, as noted on the attached statement with a due date of XX/XX/2022. Also please forward the reason {$1000.00} was placed into a suspense account and not credited when received.
Product: Credit reporting or other personal consumer reports

Subject : Complaint to CFPB Regarding Experian 's Refusal to Correct Inaccurate Address Information Dear Consumer Financial Protection Bureau ( CFPB ) Complaints Department, I am writing to file a formal complaint against Experian for their failure to correct inaccurate address information on my credit report. Despite providing extensive evidence to support my claim, Experian has refused to remove the following outdated addresses from my credit report : XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX FL XXXX I wish to reiterate that I have never lived at, conducted business from, or had any association with these addresses. My current and accurate residential address is : XXXX XXXX XXXX, XXXX XXXX, Florida XXXX Both XXXX and XXXX have appropriately updated my address information in line with my current residence. To substantiate my dispute and facilitate the correction process, I have enclosed copies of my utility bill and driver 's license as proof of my current address. 

Experian 's refusal to correct this misinformation is not only a violation of the Fair Credit Reporting Act but also undermines the accuracy and reliability of my credit report. Furthermore, I have been unjustly restricted from disputing this personal information through Experian 's customer portal.

I urge your agency to investigate this matter thoroughly and compel Experian to rectify the inaccuracies promptly by using the appropriate Credit Fair Reporting Act codes. It is imperative that my credit report accurately reflects my current address to prevent any further discrepancies in my financial transactions.

Thank you for your attention to this matter, and I look forward to a swift resolution to ensure the accuracy of my credit report.
Product: Debt collection

I leased a vehicle from this company that was a total loss on XX/XX/2014. This company is stating that I still owe money when car was paid off by gap and insurance company. I have never received any written notification about the charges and when I call and ask for info they never send it. I am trying to get this bad debt off my credit. Santander Consumer Usa will not provide any info for this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX  Account # 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 right XXXX 

15 U.S.C. 1661 Section 602 A state I have the right to privacy.

15 U.S.C. 1661 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting

To Whom it May Concern : Pursuant to Case number : XXXX, Transunion agreed to remove the late payment reported for XX/XX/2015, regarding XXXX Acct. No.XXXX. 

Transunion is currently reporting the XX/XX/2015 payment as 30 days past due. 

I demand that Transunion remove the late payment from my credit report, and ensure that it is permanently deleted.
Product: Debt collection

PAID IN FULL XX/XX/year> UCC Section 3-311 entitled Accord & Satisfaction by Use of Instrument states that a debt is discharged if a debtor gives a check to a creditor " in good faith, '' the amount of the debt is " unliquidated or subject to a bona fide dispute '' and the markings on the check or transmittal letter contain a " conspicuous statement '' that the check is in tendered as full satisfaction of the claim. [ 1 ] A debtor is entirely discharged from the remaining balance if a creditor deposits a check that is marked " Final Payment '' or " Payment of Account in Full '' in the memorandum line or in the endorsement space. [ 2 ]
Product: Vehicle loan or lease

I have contacted Ally on XX/XX/XXXX via their XXXX contact number listed on the monthly account summary to request why these summaries do not include year to date paid in principal and interest, not just the monthly amount - and was told that was their standard practice. I explained that I paid in excess of the required payment and was concerned the excess was not going to principal as the finance charges appear to increase month to month. 
I was transferred to a manager after requesting so since the response received about how interest is applied ; the agent for ally said its computed daily, and my agreement was for an annual interest rate - daily interest is not detailed in the summary or in the document I signed for the loan. I request statements be sent to me showing me the monthly principal and interest ( finance charge ) and the effect it was having on my outstanding balance - I requested those statements be sent immediately. The manager said they would call back and confirm the statements were on its way the following day.
On XX/XX/XXXX I contacted Ally via their XXXX contact number to explain I did not receive a call back, and needed confirmation the statements were being mailed to me. The agent said I should expect to receive the statements in 3 - 5 business days. 
Its XX/XX/XXXX and I have not received the statements. 
The truth in lending statement does not fairly disclose the types of finance charges, and interest and payment activity that if made on time, would lead to final interest and finance charges over the period of the loan - its less than I am actually paying ; the monthly summary does not provide month over month accounting of payments made and the impact to principal.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 
Account name : XXXX XXXX # XXXX Account name : XXXX XXXX, # XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX  # XXXX
Product: Debt collection

FAILED TO VALIDATE DEBT INQUIRY IN DIRECT VIOLATION OF FCRA AND SEVERAL CALLS AFTER DNT CALL AND CEASE AND DESIST ORDERS, HAVE VOICE AND ALL PHONE RECORDS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need the CFPB to do what is fair and equitable according to the law. As a consumer protection agency, you have a duty to delete what I have identified as erroneous. The companies I have listed is appearing the efficiency of the banking system. CFPB has an obligation to meet my needs and to remove improper utilization of my information without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing of CREDIT BUREAUS. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud Pursuant to Section 605B of Fair Credit Reporting Act : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2021 XXXX Inquiry Date XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

When I was XXXX XX/XX/2020 I opened up a bank account with bank of America to save my money that I had earned I just wanted to keep my money safe. By XX/XX/2020 my account was hacked, there was transactions and on unauthorized checks being cashed in my account and I was unaware of it .My name was also forced on the back of those checks I did not realize I had lost my debit card until I was getting papers in the mail about this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that XXXX XXXX credit reporting on my credit report be removed. 
The original debtor is XXXX XXXX XXXX Bank Mortgage this debt resulted from a foreclosure. 
The original debtor XXXX XXXX XXXX Bank Mortgage is listed in my credit report. 
XXXX XXXX XXXX is not the original debtor and as such can not hold a credit report on this debt when the original debtor remains in my credit report. Hence my credit report can not have duplicate charges from XXXX different debtors. 
XXXX XXXX XXXX has to be removed from Equifax major credit reporting agency I have written to the three major credit reporting agencies an as of this date removal of this XXXX XXXX XXXX has not been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Flagship Credit is reporting a debt on my credit file that I do not owe. I refinanced this account back in 2016 to XXXX XXXX. They are reporting a past due balance along with lates. I was never late on this account. Flagship credit is in violation of FCRA. and needs to report correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Credit Bureau has continued to display my name incorrectly on my credit file. There is a suffix " XXXX   '' next to my last name that reads as : XXXX XXXX XXXX, XXXX Over the past 4 years, XXXX, XXXX, XXXX, XXXX I've sent in numerous requests with supporting documentation as proof to show Equifax that the " XXXX '' is NOT a part of my name and it's still being displayed as such. It's creating a lot of problems for me when I seek employment and also with the Department of Motor Vehicle and when I file my income taxes. I need some assistance because no corrections have been made to my credit file so I am seeking help from the CFPB. FYI, I have two confirmation numbers that pertains to this issue. The Confirmation # XXXX is with the incorrect name that's being displayed and the Confirmation Number is : XXXX is the one requesting Equifax to once again, remove the " XXXX '' from my name. I really would like for this to be removed because again it's creating a lot issues me when I'm conducting business in my every day life. Thank you for your attention to this ongoing matter.
Product: Debt collection

My name is XXXX XXXX XXXX and LVNV Funding and XXXX, XXXX and XXXX are using predatory debt collecting pratices to extract additional fund from by self because this company is a third party not orginator has falied to inform the Orginator of the payment that I have already made. With that being said this company vicious debt collecting pratices have taken steps to retrieve monies from my empolyer thought that court system. I am informing this Federal Agency that tactic is illegeal when paymenst have been made drectly to the orginator. I am in need of your direct assistance with this matter. 

Thank you XXXX XXXX XXXX
Product: Checking or savings account

I found this guy 's blog 'XXXX  ' and emailed him in 2023 about buying a CD since his site says " you will get a great deal. ' I paid him through XXXX XXXX and long story short, he never ever sent the CD and never sent me my money back. I opened a claim with Wells Fargo ( # XXXX ) and they denied it. They said they can't do anything because the transaction happened through XXXX XXXX. This is outrageous, and I am out {$50.00}. I have repeatedly tried contacting this person and they ignore me. He claimed he shipped it and would provide a tracking number, but never did. His name is XXXX XXXX XXXX and he gave me someone's username ( XXXX XXXXXXXX ) under the name XXXX XXXX . ' I was SCAMMED. Please help me get my money back.
Product: Vehicle loan or lease

On XX/XX/XXXX of XXXX I was about under 90 days past due. I've explained the reason for my delay in payments is because of my short-term XXXX being denied. When I made the payment of {$380.00}, I was told this dropped the chances of my vehicle being repossessed, Monday XX/XX/XXXX of XXXX I go outside to head out to work and my car is nowhere to be found. I am XXXX past due apparently and I had plans to make another payment XX/XX/XXXX because on XX/XX/XXXX I had to pay my rent to avoid any evictions. This is the third time my car has been repossessed. I believe this is the second time I've been repossessed being under 90 days past due. This is not the first time they say one thing and do another, and I find myself paying extra money just to get my car back and have it done to me all over again! Wells Fargo by fare has been the worst experience I have ever had. This is not my first loan for a car and I had paid off my previous loan to this car.
Product: Mortgage

https : //www.shellpointllc.com/contact-us/ mortgage company refuses to pickup phone for multiple days. They took over my mortgage service and made mistakes. They refuse to correct.
Product: Consumer Loan

I contacted my bank, Wells Fargo, to ask about the current auto rates. They were only able to give a range of rates ( 3.49-18.49 % ) unless I filed an application. I declined to do so because I was n't committed to purchasing the car and did n't want a hard pull on my credit for no reason. About 3 week later ( on XXXX XXXX, 2016 ) I received written correspondence that my loan application was decline because " the credit application was incomplete ''. In fact, there never was an application. They also pulled my credit in violation of the law.
Product: Credit reporting or other personal consumer reports

I have notified your company/person that I am a victim of identity theft. Here I am attaching an Identity theft report. You may not furnish information to a CRA regarding the fraudulent account or debt. FCRA 623 ( a ) ( 6 ) ( B ) YOU ARE IN DIRECT VIOLATION OF THE FEDERAL GUIDELINES YOU MUST FOLLOW. DELETE THE ACCOUNT
Product: Credit card or prepaid card

I had my card stolen in XXXX of XXXX, been dealing with the company for over 5 months and already received a letter saying that my dispute had been approved but the funds have not been put into my account. I have called more than 100 times and spent countless hours trying to resolve this issue but they keep passing me along to a diff department every time. I can provide proof that my fraud claim has been approved and proof that they never gave me my funds. I don ; t know what else to do, I've called them repeatedly for help and they can't seem to won't help me. It's for almost {$800.00} and it's been an ongoing case for almost 6 month 's. The credit card company is One Main Financial ( XXXX ) and if you need more information from me, I can provide my account number and the letter I received from them that the fraud claim has been approved. Fraud started XX/XX/XXXX, {$180.00}, {$210.00}, {$15.00}, {$66.00}, {$160.00}, {$29.00} which totals {$670.00}. I filed a claim on XX/XX/XXXX, and on XX/XX/XXXX i recieved a letter claim # XXXX saying that the inquiry is over and that my claim has been closed and that my provisional credits were to be permanent, but they took back the credits which means they didn't give me back the money that they owed me.
Product: Money transfer, virtual currency, or money service

I used Venmo and they froze my account. Currently I have {$1000.00} in my account and I have no access to it nor can I buy my kids XXXX
Product: Checking or savings account

I got a denial fraud letter from Bank of America. It said on XXXXXXXX a total of {$4800.00} will be taken off since it said I made those authorizations and it wasnt true. 
{$1400.00} on XXXX XXXXnot me XXXX XXXX XXXXXXXX XXXXnot me {$1900.00} XXXX XXXXnot me I would like to fight this claim Claim XXXX XXXX