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

Our account was overdrawn XXXX by regions. I check my account Daily via mobile app and online website. I checked my account on Monday XX/XX/XXXX and I had a low balance but was not in the negative with no pending transactions shown. Showed that I had two transactions for XXXX purchases that had already posted and cleared at that time. Fast forward to the next day and I had a check come in that I didn't have enough to cover perfectly fine I would take that XXXX fee. Then suddenly the two previous debit transactions go back into pending and bam two more NSF fee then I had enough deposited to cover the one check and NSF until they decided to charge me even more NSF because of a transaction that was done prior to the overdraft occurring in the end I'm out XXXX in NSF with a XXXX child at home requiring medical equipment and my lights will be cut off at XXXX XXXX   today. When I called regions I was told that transactions maybe held 3 business days in pending then they can be placed back in your available balance and can be reposted for up to 180 days after. I was never informed of this and also was never informed that I could opt out of overdraft on debit transactions only we were told you could only opt out if you choose both debit and check Transactions be declined for overdraft protection. Regions is robbing the poor blind and they have no remorse they don't care that innocent children will be sleeping in the cold tonight with temps below freezing as long as they make millions off of people. I don't understand how this is even legal to allow transactions to post how they see fit to gain a dollar rather post in the order the items were done. Do not bank with regions unless your ready to go bankrupt. They even took donations for my son for his XXXX XXXX  that was deposited to my account for NSF fee 's.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Violation of Consumer Rights, Privacy Act, FCRA, and Consumer Protection Act I am writing to officially register a complaint against [ XXXX XXXX XXXX XXXX to this complaint / Financial Institution attached to this complaint ] for significant violations of my consumer rights, privacy act rights, the Fair Credit Reporting Act ( FCRA ), and the Consumer Protection Act. This complaint is submitted in accordance with the relevant legal provisions and is based on the following grounds : XXXX. XXXXFCRA Violations : ** - As a federally protected consumer, I hereby exercise my right to opt out of any and all authorization for the disclosure of my nonpublic personal information, in accordance with 15 USC 6802. 
- Per 15 USC 6803, [ XXXX XXXX attaches to this complaint ] failed to provide the required notice or disclosure regarding the sharing or selling of my private information to non-affiliated agencies, such as consumer reporting agencies. 

XXXX. XXXXConsumer Reporting Agencies ( CRA ) Violations : ** - [ Credit XXXX XXXX XXXX e.g., XXXX XXXX, Early Warnings, XXXX XXXX, are non-affiliated XXXX entities that have violated my privacy by accessing and sharing my personal information without explicit consent. 

XXXX. XXXXPrivacy Act Violations : ** - Violation of my rights under the Privacy Act ( 5 USC 552a ) by [ Financial Institutions and CRAs ] through the willful sale and sharing of my nonpublic information without proper permission and notice. 

XXXX. XXXXFCRA XXXX Failures : ** - [ Credit XXXX XXXX and XXXX XXXX XXXX failed to maintain reasonable procedures to ensure users had permissible purposes for accessing reports, assure maximum possible accuracy, and provide FCRA-mandated User Notices. 

XXXX. XXXXCFPB Enforcement Action : ** - Reference to the recent enforcement action against XXXX by the Consumer Financial Protection Bureau XXXX CFPB ) on XX/XX/year>, highlighting concerns about the industry 's compliance with the law. 

XXXX. **Damages and Legal Remedies : ** - Due to the failure to honor my opt-out requests per 15 USC 6802, I have suffered traumatic emotional, financial, and physical damages, necessitating legal redress. 

XXXX. XXXX15 USC 1681n- Civil Liability : ** - Pursuant to 15 USC 1681n XXXX I seek civil liability for willful noncompliance, including actual damages, punitive damages, and legal costs. 

XXXX. **Dodd-Frank Act Violations : ** - Asserting that [ Credit Reporting Agencies and XXXX XXXX XXXX XXXX XXXX in deceptive acts or practices, violating consumer financial laws under the XXXX XXXX XXXX Reform and Consumer Protection Act. 

In consideration of the aforementioned violations, I request a thorough investigation into this matter and a detailed response outlining the corrective actions taken. Attached herewith are supporting documents demonstrating the unauthorized sharing of my personal information. 

I am prepared to pursue legal avenues for resolution if necessary. Your immediate attention to this matter is appreciated, and I anticipate a timely resolution.
Product: Checking or savings account

I am writing to complain about multiple over-draft fees against Navy Federal Credit Union. I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against NAVY Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

I have a debt with XXXX Dept. of Education because I had a deferment and I divorced an moved to a different part in PR. During that period they use Debt collectors to find me. XXXX XXXX has now my account but they give it to Conserve. Conserve is asking me to make 9 payments of {$5.00}. They asked me for information that I am not willing to give since I am able to pay monthly to XXXX. I asked them to please return my account to XXXX or XXXX XXXX so I can start making my monthly payments but they refuse. I even tried to tell them that I can pay the {$45.00} dollars in XXXX payment to make this fast and they refused. I am able to make the monthly payments to XXXX  again ... I don't like people asking me and harassing me with calls if I don't agree with them with a reason and it should be another company ( XXXX XXXX ) the one contacting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the beginning of the year I hired XXXX to help me fix my credit and remove negative items. The law firm sent out challenges, letters, etc to specific companies one of which is XXXX and XXXX. 

Fast forward to XX/XX/2022 XXXX and XXXX XXXX removed their negative item from my Transunion credit report. So I assumed the company responded or didnt respond to XXXX. 

Today they readded it without notification or reason.
Product: Credit reporting or other personal consumer reports

That they would delete off my credit reports but they havent its been three times
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter dated XX/XX/2021 to Experian requesting the accounts showing on my credit report for XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX be validated or removed from my credit report. The accounts were not removed. I sent another letter to Experian dated XX/XX/2021 requesting verifiable proof that the alleged debts showing for XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, and XXXX XXXX were indeed my debts. In the letter dated XX/XX/2021 I also requested Experian provide me with the original contracts bearing my signature for the accounts showing for XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, and XXXX XXXX which I am entitled to under the FCRA Section 609. As of today, XX/XX/2021, I have not received anything in writing to prove I am responsible for the alleged debts showing for XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. By not providing verifiable proof that I am responsible for these alleged debts, Experian is violating my consumer rights and I would like these accounts to be removed from my credit report immediately.
Product: Vehicle loan or lease

To all parties concerned at the CFPB, FTC, and office of XXXX Attorney General XXXX XXXX, On XX/XX/2022 at XXXX I arrived for an appointment to extend my credit in good faith to XXXX BMW XXXX at XXXX XXXX  XXXX XXXX XXXX XXXX New York XXXX XXXX for a BMW XXXX XXXX where I was assisted by client advisor XXXX XXXX XXXX 

Initially she was very helpful but grew increasingly impatient, dismissive, and unresponsive as I continued to ask questions so I can fully understand the process. Her lack of attentiveness compromised my ability to make a well informed decision as she began to handle business unrelated to this consumer credit transaction. Talking on her phone, texting, and using the computer only to walk away returning after XXXX mins to photo copy my license and walk off again. At or about XXXX I was approached and escorted out by sales manager XXXX XXXX XXXX He handed me a decline notification and said there is nothing he can do, not even request reconsideration or a counter offer on my behalf. That is in fact a violation of 15 USC 1611. 

As a consumer I dont understand how or why I was denied an extension of my own credit after my card ending in XXXX was processed initiating the transaction. The justification of BMW Group Financial Services adverse action feels like Im not only being discriminated against but my right to privacy is being violated. 

I was forced to leave ( after my credit card was used that I received no benefit from ) XXXX XXXX XXXX XXXX XXXX XXXX Such ignominy actually made me cry while walking away making me feel weak and taken advantage of. 

Much of what I experienced on this day are various violations punishable by law pursuant to United States Code title 15 chapter 41. 

As a qualified applicant and valued consumer in good faith thank you for allowing me to be heard.
Product: Credit card or prepaid card

In pursue of Class-Action Law suit against, Key-bank engaged in deliberate and unfair, unlawful fraudulent practices the company prestigiously relied on the likely-hood that wouldn't be fair to pursue rights. This has been a ongoing violation that the consumer financial protection bureau failed to identify valid proof of customers address on file, from Key bank who has failed to retrieve customers demand of funds retracted. Upon reexamination you will find serious systemic deficiency 's upon key bank responding The Consumer Finance protection bureau overlooked again, after the 2nd evaluation, XX/XX/2021 pertaining to the legitimacy of validation, both parties not having the correct address on file the reexamination started XX/XX/2021 for the third time upon reopening key bank verified that the account had not been updated with the correct address Key bank associate I.D . XXXX. Key bank and The Consumer finance protection bureau failed to conduct adequate due diligence on its customers. Me as a member find it humiliating and deceptive to gain my trust with secure and confidentiality. As a result my file lacked basic identification and verification of identity regarding the books and input of the claim type.

Violation of laws and regulations Key bank failed to maintain and make available true and accurate books, accounts, and records reflecting all transactions and actions.
Product: Mortgage

Have a mortgage through SunTrust. This mortgage is paid by a direct draw from my bank account. 

XX/XX/XXXX to XXXX XXXX- I changed the bank account for draw. Was drawing from NC XXXX XXXX 's XXXX XXXX. Now using XXXX. This change took 3 phone calls totaling over 8 hours. 

XXXX XXXX- SunTrust draws mortgage payments from both accounts. I am confused on timing of old and new draws, so I think this may be appropriate. XXXX draw XXXX for {$1400.00}, XXXX on XX/XX/XXXX for {$1500.00}. 

XXXX XXXX- Email from SunTrust that NC XXXX account is to be charged {$1500.00} in XXXX. This is the old account. Call SunTrust today XXXX to clarify and stop withdrawal. They deny responsibility. Say there is no way old account is being taken from. Report they have no ability to review their emails to customers. They are unable to account for the withdrawal on XXXX and deny that it occurred. They demand that I provide " proof '' that they took my money, but are unable to identify what form of proof will be acceptable. 

I have bank statements showing both withdrawals by SunTrust. I do not believe the email advising of the pending withdrawal is spam or phishing. It is identical to standard SunTrust emails sent in the past advising me of draws pending on my account. 

I believe this is a large corporate bank committing fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked  XXXX  to verify the account and they still have not even aft er 4 ce rtified mail request to do so, I currently have a lawsuit against them, as well they marked my account late 30 days several times and I never got notifications but by the credit reports after the fact, I have not seen the car f or 2 week s after purchase as I was a supposedly a co-signer, they also failed to place on my credit report that the account has been disputed by me.     I also have lawsuits agains  XXXX , Equifax and   XXXX   for not doing anything about this unverified account even though they have been told about it via certified mail numerous times and they have not responded to any of my letters for verification as well
Product: Money transfer, virtual currency, or money service

Im inquiring to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit card

We appreciate this opportunity to file this complaint.This is an overview of our point of view in our dealing with AMEX. we had been paying on our account in a timely manner. in the fall of XXXX we made a payment 1 day late. We have been in the XXXX business for 30 years. The winter of XXXX was extremely harsh. we were unable to perform roofing work because of the adverse conditions. we made our XXXX payment of about {$14000.00}. This is a considerable amount to pay without being able to perform much work.In XXXX we made our payment of about {$16000.00}. again this is a considerable payment to make in the winter months without much work. AMEX allowed us a no pre-set spending limit. In XXXX we obtained work then ordered materials to perform the work. AMEX declined the cc charge with no warning. 
As a result we needed to obtain resources elsewhere to purchase materials. This was necessary for us to continue to have our business and make an effort to make a living. Our business was severely crippled by their actions. 
About that time we were told that our pay over time would not be available. We were also told that our credit limit was lowered considerably.These actions were done without notice. So now instead of being able to make our payment to AMEX it has been necessary to obtain funding from other sources in an effort to remain in business. That being said it has been not been possible to make a payment to Amex. 
We have talked to the AMEX representatives on several occasions. On the XXXX occasion we were told everything was determined with " ratio 's '' and with " formula 's ''. The representative wanted to know how much we could pay. When i replied, it was NOT enough. When i was asked when we could pay. When i replied, it was NOT soon enough. This belittling dialog went on for some time. We are a business and human beings.We should be treated as such.Not as " ratio 's '' and " formula 's. 
On another occasion i was treated in the same manner. We were told that AMEX could do what they wanted, the representative was sure that it was in the " fine print '' somewhere! 
We are not " deadbeats ''. Our track record with AMEX goes back to XXXX. They should take that, the winter weather conditions, and our determination not to lose our roofing business into account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! 
Let me explain the situation. 
I have a credit card from The Home Depot/CitiBank. I'm always payed my balance in time. But in XXXX and XX/XX/2018 I miss payments, because I never receive any notifications from creditor about my debt. And creditor reported to the credit bureau about late payments. I realized that I have late payments just in XX/XX/2018 when I check my credit score and it was decreased. Now I payed my balance in full.

Now I tried to figure out with creditor how to remove late payments from my credit report. I sent them a letter with explanation why I miss payments. After investigation the creditor said that it wasn't their error. And creditor could not make any changes to fix this error and fix my credit score. Now I'm going to apply for mortgage and fixing my credit score is very important for me.

Thank you and have a great day!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate address I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inaccurate address : XXXX XXXX XXXX XXXX, CO  XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, CO  XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX  CXXXX, IL XXXX
Product: Vehicle loan or lease

Yesterday, XX/XX/XXXX I was called on to refinance an auto loan for my XXXX XXXX XXXX, I applied via lendingclub, and XXXX from " iLending Direct '', phone number XXXX reached out to me and told me I was approved and qualified for an auto loan refinance through their company as an intermediary for a loan from XXXX XXXX XXXX XXXX, we went over all the specifics and told me I was for sure approved for this refinance and was asking me to authorize a hard credit pull be done to complete the steps to refinance. I then sent him my license, auto registration, insurance docs, and odometer reading and VIN. This morning at XXXX PST he sends me " we got an approval back for you buddy '' I chat with him again and provided the 2 referral sources he asked for. By XXXX PST I received another call, regrettably denying me for this same loan I was previously coerced to do a hard pull for. He said, I'm sorry, I'm new here and I didn't know that California auto notes need to be made for at least {$10000.00} ( mine would have been for XXXX after a {$1600.00} deposit ), he says " I messed up, but hey, at least I learned something today. '' I feel like I was bait-and-switched and taken advantage of, now, my credit report has another hard inquiry because of the negligence of the company and the ignorance of XXXX.
Product: Checking or savings account

I am a customer of XXXX bank and payment order for XXXX XXXXon XX/XX/2021 and was debited from my account on that date later it was rejected not the cause for that but it was never credited again in the account and the bank does not give news despite the claims. I am not a national and I find it very difficult to understand and communicate.attached information Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX or XXXX XXXX
Product: Credit reporting

All my answer are None of the above but i can no see my credit report. I did n't live at XXXX ... never in XXXX The security of your information is our priority and it is of utmost importance. Please help us confirm your identity by providing answers to some questions below. 
1. Your credit file indicates you may have a retail card, opened in or around XX/XX/XXXX. Who is the credit provider for this account? 
XXXX NONE OF THE ABOVE 2. Your credit file indicates you may have a bank card, opened in or around XX/XX/XXXX. Who is the credit provider for this account? 
XXXX NONE OF THE ABOVE 3. Your credit file indicates you may have an auto loan/lease, opened in or around XX/XX/XXXX. Who is the credit provider for this account? 
XXXX NONE OF THE ABOVE 4. What is the total monthly payment for the above-referenced account? 
{$600.00} - {$640.00} {$650.00} - {$690.00} {$700.00} - {$740.00} {$750.00} - {$790.00} NONE OF THE ABOVE
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX. Balance : {$150.00} XXXX XXXX XXXX XXXX .... Balance : {$100.00} XXXX XXXX XXXX  CA XXXX XXXX XXXX : - XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX - XXXX XXXX XXXX Bankruptcy XXXX Date Filed XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am the victim of Identity theft. I am writing to bring to your attention fraudulent information on my credit reports. 
UNDER the Following Sections please Adhere to the details that Fall under Consumer Law. I request the removal of the following items in accordance with 12 CFR Part 1022 ( RGULATION V ) Implementing sections 605A, 605B, and 609 ( a ) ( 1 ) including but Sections 1022.82, Section 1022.123 1681b of the FCRA. 1022.82 Duties of users regarding address discrepancies.

Furthermore, I have reviewed a copy on my consumer reports and I notice you have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a 2Ai.

Please see the following accounts that have appeared on my credit report from an identify theft, in which the thief criminally utilized my information to open them. Please block and remove these accounts. Supporting documents substantiate and validates the claim. 

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