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

On Tuesday,XX/XX/XXXX, three charges processed on my personal checking account in the amount of {$290.00}, {$550.00}, and {$5.00}. I had Overdraft Protection on my Personal account and the connected credit card account paid this amount of approximately {$850.00} on XX/XX/XXXX. When I saw the Overdraft Protection ( {$850.00} ) had come from my credit card and had worked, I immediately reimbursed my credit card with funds from my Business checking account in the amount of {$850.00}. I then turned off Overdraft Protection as I had gotten over the financially difficult part of my month. 

When I turned off Overdraft Protection, Wells Fargo removed the {$850.00} credit from my Personal Checking account which forced me to go into Overdraft again. I had already used my Business Checking account to pay my credit card and no longer had available funds to bring my Personal Checking account out of negative balance. The Wells Fargo employee who instructed me to set up Overdraft did not tell me that Wells Fargo was liable to remove the credit ; it is now only through experience that I understand I can not turn off Overdraft Protection until 3-5 days after it has been used. 

I was not notified of this until the following day ( XX/XX/XXXX ) by email, which meant I had from XXXX when they emailed me until XXXX PST that same night to fix everything. I called Wells Fargo as soon as I got off work at around XXXX and explained the situation. They said they'd already waived XXXX overdraft fees in the past XXXX months and were unable to assist. I was transferred from department to department with everyone saying they could do nothing even though the mistake was on the part of Wells Fargo. 

They suggested I advance cash from my credit card to cover the {$850.00} overdraft. However, because I had turned Overdraft Protection off, they would charge me a cash advance fee for using my credit card. Every solution Wells Fargo suggested for fixing their mistake involved me paying for it. 

At XXXX, I had been hung up on by Wells Fargo twice ( despite being calm and cordial ) and the issue still was not resolved. I finally spoke to someone at around XXXX PST who said she could re-apply the credit to my checking account and that they would not charge an Overdraft Fee. The adjustment that the Wells Fargo employee made did not post until XX/XX/XXXX. On Wednesday, XX/XX/XXXX, an overdraft fee was applied to my account, despite the employee at XXXX PST saying that they wouldn't AND despite 2 employees hanging up on me prior to the XXXX PST deadline AND despite the entire issue being a Wells Fargo error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I had a credit alert on my XXXX XXXXXXXX account. 
A company called XXXX XXXX XXXX did a hard inquiries on me and was done on XX/XX/XXXX. I have never opened account with this company at all. It states it will be removed from my account in XX/XX/XXXX. It has brought my credit score lower. I want this XXXX XXXX XXXX taken off my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

These hard inquiries were not authorized by me and need to be deleted from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

" Deceptive Lending Practices '' On XX/XX/XXXX I made a Personal Loan with One Main financial for {$4500.00} at rate of 35.99 % APR, while never missing a payment. The I never missed a payment which initially was {$170.00}. Due to the Pandemic and reduction of income I request a " Interest Reduction ''. Both agreed that the reduction would be truly a Interest Deduction, and did not some form trick, that would add interest to the principle balance. Thus on approximately XX/XX/XXXX both parties agreed to a Interest Reductions. The agreed upon Interest Rate was to be 6 % .After I made the payments as newly agreed upon One Main Financial source ways to increase the rate and payment. The Lender is now attempting to increase the back to 35.99 %. One Main Financial states that the increase is related to what they state is I can afford the original payment. I then stated my unhappiness with OMF and requested a Loan Payoff total. Upon doing this OMF increase the Interest Rate back to 35.99 %. I am requesting that the remain 6 % until XX/XX/XXXX the day of the last payment. After making 12 month payments One Main Financial claims they are now owed approximately {$4500.00} the original amount of the Loan, Addition One Main Financial elect to make a comment on my credit report at a rate reduction was agreed to
Product: Credit reporting or other personal consumer reports

Several listed fraudulent accounts are affecting my credit report. This information is not mine, nor did I authorize the use of my credit ; these accounts show accurate information.
Product: Credit reporting or other personal consumer reports

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX and XXXX did. 
I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated. 
My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below This account should not reflect as negative : 1. XXXX XXXX ACCOUNT # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.
Product: Credit reporting or other personal consumer reports

There are items on my credit that do not belong to me, I have filed an FTC report and sent to the three bureaus, some of these items are still reporting erroneously : XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX {$650.00} XXXX XXXX XXXXXXXX {$350.00} XXXX XXXX {$16000.00} XXXXXXXX XXXX XXXX XXXXXXXX {$2000.00} I am attaching my license and an FTC report.
Product: Credit reporting or other personal consumer reports

As per privacy laws for me the comsumer I asked to opt out of sharing my information to a 3rd party which includes XXXX, XXXX, XXXX and other credit reporting agencies. I sent my request to company on XX/XX/XXXX, this request was effective immediately and indefinitely. I obtained a copy of my credit report on XX/XX/XXXX and Acima is still sharing this information and it is still reporting on my credit report. I wish to exercise my privacy rights and reserve all rights under privacy act of XXXX. Also according to 12 CFR section 1016.7 states a consumer may exercise the right to opt out at any time.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX  - Account XXXX : XXXX Unauthorized inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

For over one year Discover has claimed I owe them money for charges I never made. They have continued to harm my credit report, after telling me they made numerous errors in dealing with my fiances. I owe discover nothing and when I get the time as now I can not even get a place to live because of discover, I will make it very clear that they intentionally harmed me. XXXX, XXXX and XXXX continue to put fraudulent information on my credit file reported to them by Discover. Today is XX/XX/2023 and the issue after one year has still not been fixed as Discover promised and apologized for their computer error dozens of times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. CHAPTER XXXX BANKRUPTCY DISCARGED XXXX XXXX  XXXX {$27000.00} XXXX XXXX {$980.00} XXXX   XXXX {$590.00} XXXX  XXXX {$5500.00} XXXX   XXXX {$590.00}
Product: Credit reporting or other personal consumer reports

Are 3 credit companies are showing incorrect address information on my credit profile All have multiple address listed Only address that should be on file is XXXX XXXX XXXX, XXXX al XXXX
Product: Credit card or prepaid card

Hi, my name is XXXX XXXX XXXX. This is a consumer fraud complaint involving CHASE bank, XXXX, and XXXX XXXX. 

As detailed below : I purchased tickets in the amount of {$1400.00} for travel to XXXX in XXXX from XXXX XXXX. I reported a positive XXXX test XXXX before my flight to XXXX XXXX and I could not board my flight. I contacted XXXX XXXX with this information and emailed them my XXXX positive test. I contacted XXXX XXXX 13 times asking for a refund, but I was refused or redirected to rebooking fees of {$1000.00}. At that time, all airlines including XXXX XXXX was giving 100 % refunds due to XXXX. 

CHASE bank was contacted, and charges were disputed multiple times. However, CHASE and XXXX failed to properly investigate my case and validated the charges onto my account. 

We are asking this agency to do a good faith investigation why XXXX and CHASE bank is denying my claim to remove this charge and hold XXXX XXXX accountable for the trouble they have created. 

Timeline and evidence : - XXXX XXXX - Ticket purchased with CHASE XXXX card, XXXX {$1400.00}. ( Exhibit A ) - XX/XX/XXXX @ XXXX - an email was sent to XXXX XXXX with a screen shot of my positive XXXX test. ( Exhibit B ) - XX/XX/XXXX - Phone records from XXXX showing 13 calls to XXXX XXXX from XX/XX/XXXX XX/XX/XXXX communicating my issue. ( Exhibit C ) - XX/XX/XXXX - CHASE received dispute against charges. ( Exhibit D ) - XX/XX/XXXX, XXXX - sent secure message to CHASE about the process of my despite. ( Exhibit E ) - XX/XX/XXXX - CHASE bank issued temporary credit of {$1400.00}. ( Exhibit F ) - XX/XX/XXXX - CHASE validated the charge and rebilled charges. ( Exhibit G ) - XX/XX/XXXX - Reopened dispute with CHASE and cited evidence and attached evidence to their secure message. ( Exhibit H ) - XX/XX/XXXX - CHASE validates charges. ( Exhibit I ) - Merchant contract to chase. ( Exhibit J ) Reasoning : In the Merchants 12-page report ; they stated on page 2 The customer missed the originally scheduled flight and was registered as no show. XXXX XXXX XXXX XXXX was informed upon purchase that now show tickets has no value and wont be processed for exchange and refund. 

They also state on page 5 Sickness and or Hospitalization is a means of a refund. 
It is clear that XXXX XXXX is committing consumer fraud and lying to XXXX  based on the findings and facts that I have presented before you.
Product: Credit reporting 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. 

Account Name : XXXX Account Number:XXXX  Account Name : XXXX  XXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX Account Name :  XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 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: Debt collection

The creditor sued me and obtained a judgement against me and subsequently garnished my wages on debt that had passed the statute of limitations.
Product: Checking or savings account

So I came home Tuesday XX/XX/XXXX to an alert on my watch that some charges had occurred from a merchant XXXX XXXX live for 9 transactions each for XXXX cents so I knew I had been hacked, so I called chime to cancel the card firsthand in case anybody got ahold of my card numbers and my card has been on me all along, that's when I proceeded to check my account activity for any other charges that may have occurred because this is pretty much my secondary account and I don't always monitor every single transaction that is done on it, but I discovered a transaction from a merchant called XXXX  and the charges dated all the way back to XX/XX/XXXX in the total amount of {$22000.00}, so I filed a dispute with chime that morning around XXXXXXXX XXXX, the same exact day it was denied, I couldn't obtain a police report for it because the authorities told me it was a online account and not a physical bank and I would have to contact chime directly, I wrote a detailed later to chime support to see if I could get a rebuttal and they would reopen my case, that was also denied, one of the reasons in the decision letter stated that I have prior history with the merchant XXXX  and I don't even have a XXXX  account at all. I proceeded to try and get in touch with the merchant XXXX to see if they could give me any information on who could've made these transactions and you can't even speak to anyone on XXXX unless you have an account with them, and this was me calling the XXXX number that's on XXXX which directed me to go to help.XXXX which I basically had to try and communicate to a somewhat live agent bot which I provided pictures of that conversation to chime as well. Then to add insult to injury I got a letter yesterday on XX/XX/XXXX saying that my chime account will be closed on XX/XX/XXXX which makes it seem even more fishy. It is TONS and I mean tons of online complaints about this company and how they don't want to give anybody any of their money back which was stolen and that makes it seem like their whole company is a sham and not operating under any integrity whatsoever. I just need some help and I ask that you please do anything you can to get my funds reimbursed to me because they are not going to do the right thing no matter what.
Product: Mortgage

Since the closing of my home loan, theres has been an escrow account in which property taxes and Home insurance were paid paid out of. My payments are 100 % paid on time. 
In XX/XX/XXXX, I received a letter from the citys department of finance stating that a tax lien would be sold in XX/XX/XXXX, if the amount of XXXX was not paid by XX/XX/XXXX. For several weeks I reached out to The mortgage bank to resolve this matter, and was given the run around. Finally, in the end of XX/XX/XXXX, I was advised by the bank that the a check was mailed to the city resolving the matter. However, the bank used the funds in my current escrow account to pay property taxes that they did not pay in XX/XX/XXXX, which was an error on their part. My escrow account is renewed every year, which means that capital one made an error, by not making he quarterly tax payment in XX/XX/XXXX, and used the funds in my escrow account so that I essentially paid twice for the same quarter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score was at XXXX. Before my despute. The despute was removed from my credit and my score only went up to XXXX. This is effecting me getting an apartment by having my credit drop so low. 

My credit report showed I had an account in collections from XXXX. And that dropped my score. Now that acccount was removed off my account. Why wasnt my credit score repaired back to XXXX?
Product: Credit reporting or other personal consumer reports

Name XXXX XXXX XXXX XXXX Address XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, XXXX XXXX Subject : Complaint Regarding Incomplete Reinvestigation by Experian Dear CFPB, I am writing to formally lodge a complaint against Experian regarding their handling of a recent reinvestigation of my credit report. 

**Account Information : ** - Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : [ XXXX ] - Date of Birth : [ XX/XX/XXXX ] On [ XX/XX/XXXX ], I submitted a dispute to Experian concerning inaccurate information on my credit report. The details of the disputed item are as follows : I expected a thorough and fair reinvestigation as mandated by the Fair Credit Reporting Act ( FCRA ) .I received a response from Experian indicating that the information would remain unchanged. I believe this decision is incorrect, as I provided adequate documentation and evidence to support my claim. 
Despite my attempts to communicate with Experian, including [ mention any phone calls, emails, or correspondence ], I have not received a satisfactory resolution. It appears that they did not adequately investigate my dispute or consider the information I provided. 
I request that the CFPB investigate this matter and take appropriate action against Experian for their failure to comply with FCRA guidelines. Additionally, I would appreciate guidance on further steps I can take to resolve this issue. 
Thank you for your attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, unknown inquiries on report
Product: Mortgage

My loan is being serviced by XXXX XXXX My original loan was approved with an appraisal on my home that was done on XX/XX/2018. As of XX/XX/2018 I had paid down my loan principal balance below the required 80 % LTV to remove PMI. 

On XX/XX/2018 I requested BankUnited in writing to remove the PMI and they said I can not remove the PMI unless I pay them {$600.00} dollars for a NEW appraisal when my original appraisal was only 101 days old. 

My complaint is that BankUnited is in violation of the " The Homeowners Protection Act of 1998 '' by refusing to remove PMI with a valid appraisal on file with the Servicer. Requiring me to purchase a new appraisal for {$600.00} dollars is an attempt by the Servicer to prevent me from removing the PMI that I am entitled to cancel. 

I am asking that the CFPB investigate XXXX XXXX and my loan account to compel them to follow the law and remove my PMI as requested without having to pay them to do another appraisal as my current one is still valid. My loan # ends in XXXX at my property located at XXXX XXXX XXXX  XXXX, XXXX, WA XXXX. 

Thank you, XXXX XXXX Phone # : XXXX Email : XXXX XXXX
Product: Mortgage

I had a water claim in my home. My mortgage company ( Ditech ) has been extremely difficult to work with. They have held onto checks I received from my insurance company to the point where I have contractors very angry with me because I have not paid them. I can not pay them what they need without the checks from my mortgage company. Not only are they taking weeks to endorse the check and return it to me, they are also keeping a good portion of the checks even after the work has been completed by contractors.
Product: Credit card

I am not liable for this debt with Portfolio Recovery Associates aka Portfolio Recov Assoc. I do not have a contract with Portfolio Recovery Associates aka Portfolio Recov Assoc, they did not provide me with the original contract as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I went online to get my free credit report but lost my connection 2. I tried to go through Experian and they offered me a service by which my account could be monitored with regular e-mail updates 3. When I tried someone else had used my social security # to already do that That person is my ex wife of 14 years. I recognized her e-mail address on my account at Experian portal 4. I wrote 2 letters asking Experian to what happened and to fix it 5. I had an attorney write a letter asking the same 6. I notified the SS Administration 7. I opened an investigation at the FTC 8. I filed a complaint with a US Senator 's Office Still nothing from Experian The Attorney General of New Mexico said you could help me I am skeptical
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS THE SECOND TIME FILLING WITH THE CFPB AGAINST TD AUTO FINANCE. I HAVE SOUGHT LEGAL ACTION AGAISNT THE COMPANY AS WELL. 


THIS IS FOR RECORD OF ATTORNEY. 

RECORDED PHONE CALLS AND EMAILS WILL BE SUBPOENAED. 

2 YEARS LATER AND TD AUTO JUST REPORTED TO MY XXXX XX/XX/2022 THAT I AM 18 MONTHS LATE YET XXXX AND XXXX XXXX SHOW CLOSED ACCOUNTS. 

ALSO I AM A FINANCE MANAGER AT A XXXX XXXX. I AM WELL VERSED IN AUTO LOAN CONTRACTS.
Product: Money transfer, virtual currency, or money service

I was the XXXX website and I ended up getting ripped off by different scammers posing to be legitimate sellers on that platform. The first company name XXXX XXXX XXXX XXXX XXXX XXXX, they got me for {$2700.00} XX/XX/2023 and the second was XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX they got me out of {$3100.00} XX/XX/2023. I filed a dispute with the website and they gave me a 2 month run around not being able to retrieve my money back so I contacted the XXXX XXXX XXXX for help and Im currently waiting for an update from them now.