23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I have been a Wells Fargo Customer since XX/XX/XXXX and have never experienced such injustice with this banking institution. On XX/XX/XXXX I called to check my balance and was shocked when I heard I had {$200.00} In overdraft fees. None of my bills are automatically debited from my account so that immediately did not make sense to me. When I spoke to a banker she informed me that my account had been debited for {$300.00} and thatts how I came to have the {$200.00} overdraft fee. She gave me the companies name and I assured her that I never authorized a payment. She then transferred me to the fraud dept and they assured me that my money would be returned including my overdraft fees. A few days later I called back to check on the case ( case # XXXX ) and was told by another fraud dept representative that the case was just sitting because it was not listed as an unauthorized payment. To add insult to injury my paycheck came in my account through direct deposit days later and the {$200.00} overdraft fee was paid out of my hardworking money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the late payment reporting on my account. I paid off my balance in full earlier before the loan original due date, yet the late payment reporting remains on my credit report. This is not accurate and reflects negatively on my credit score. If not, I am requesting a full payment history.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX 
XXXX {$280.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX {$390.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX  {$1500.00} XXXX XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$250.00} XXXX  XXXX XXXX {$1400.00} XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

AN ACCORDANCE OF FAIR CREDIT REPORTING ACT XXXX  XXXX AND XXXX  XXXX HAVE VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604A SECTION 2 IT ALSO STATES THAT CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY READING INSTRUCTIONS. UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE ON ANY PURPOSE. MOREOVER THE LATE PAYMENTS HAVE BEEN REPORTED DURING 2019 WHICH WAS A COVID YEAR, DURING THAT TIME FINANCIAL INSTITUTION DID NOT HAVE A RIGHT TO REPORT ANY NEGATIVE ITEM TO THE CREDIT AGENCIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent several Disputes to TransUnion, I have called them 5 times and can not resolve my unauthorized inquires through them. If you call them you can not get anyone in the United States to talk too. There reps are all over seas. I've talked to the creditors about the situation and they all tell me to contact Transunion to have them removed. Transunion tells me the opposite. I've called XXXX, and XXXX and they had no problem removing them that day.

I wish the CFPB would take over TransUnion at least our credit reports wouldn't be in the hands of people overseas. Also the CFPB actually follows FCRA.
Product: Checking or savings account

On XX/XX/XXXX, after receiving a BMO Harris Bank promotion advertisement, I went to the BMO Harris Bank branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL, and opened a business checking account. I met all requirements ( see the promotion terms attached ) but did not receive the {$500.00} checking bonus as advertised. Since XX/XX/XXXX, I called several times XXXX XXXX, the Banker who helped me open the business checking account, and left voicemails but there was no response at all. Then I called the BMO Harris Bank customer service number several times to report this problem. Although the customer service representatives said they would escalate this and gave me an update, they never contacted me afterward. On XX/XX/XXXX, I called the BMO Harris Bank customer service number again and later got connected with XXXX XXXX who was the Branch Manager. On the same day, I forwarded the promotion email I received on XX/XX/XXXX to XXXX and he promised to resolve this problem. After that, I did not receive any response. Months later, I called XXXX to follow up and left voicemails. Still nothing. As of today ( XX/XX/XXXX ), I still did not receive the {$500.00} checking bonus as promised and never received any response from BMO Harris Bank.
Product: Checking or savings account

TD bank overdraft fees are excessive and arbitrary. The bank has charged me {$980.00} from XXXX to XXXX even tough they are very aware that we are in the middle of a pandemic and for many people income has been reduced. 
Additionally I never agreed to have overdraft protection with my ATM, I don't see why it should be any different with checks.
Product: Credit card

BAnk Of America is inaccurately and incompletely furnishing information regardingthe one and only Bank Of America account listed on my report to the Credit Reporting Agencies inviolation of the reporting requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information, and for which BOFA is responsible. 

I dispute their information in its entirety and request evidentiary documentation that substantiates the information they have furnished and its reporting.
Product: Mortgage

For context, the mortgage company " SLS Servicing '' / " NewRez '' / " Shellpoint Mortgage '' is all the same holder of my mortgage- they have changed their brand name three times in three years. After seeing a XXXX rating average review of below XXXX stars of about XXXX reviews, I can understand why they keep changing their name. Reading those reviews, my experience has been consistent with thousands of others who mortgages have unfortunately been acquired by this company. 

In short, I have a traditional mortgage on my home that I purchased about three years ago. 

I have made every single payment on time or early in the exact monthly amount due. Just to make it extra clear, I have never paid a principle-only payment of any kind. They only options the mortgage company provides online are " principal payment '' or " one-time payment '', so of course I always select " one-time payment ''. 

In XXXX of 2024, they took my monthly payment but did not apply it to the principal. Then, we get in this trap cycle each month : -then they say I am late -they add a late fee -they require an additional {$3500.00} payment of my own cash to be " on time '' and not harm my credit -they finally reverse the transaction about 30 days later -they admit it was their fault and waive the fee ( on my recorded line ), they say the problem is fixed, that my payment has been applied as a mortgage payment, and that I do not need to pay the next month 's payment since it is already paid -they do not refund my cash to me -then, starting with the new month, they say I am behind again, as if that {$3500.00} is not applied as a payment after all -they add a late fee... rinse and repeat I finally checked with the company that originated the loan and then sold it. My original loan officer ( who is also the branch manager ) of the original company prior spent many hours reviewing each mortgage transaction line and verified that I had paid an extra payment correctly and should be ahead on payments. 

Even after a month of basic communication where she and I have emailed and communicated with the mortgage company by phone, the mortgage company still has not fixed the issue and has not replied to us. 

At this point, the CFPB and legal recourse are all that remain as potential solutions.
Product: Credit card

I had a XXXX salesperson come to my door. He was very aggressive and intimidated me. I told him i was not interested in his product. He would not take no for an answer. I am a young adult that was pressured into a transaction. He then told me that I had a two month grace period. If I wanted to terminate my contract I could within that two months. That was not true, I called the salesperson and he said you signed it and youre stuck with it. I consulted a lawyer and was told to return all the equipment to the address on the contract and require a signature. I did and received correspondence from XXXX saying my account has been terminated, but I am still liable for payment for 5 years. They use Fortiva Financial to finance the equipment. Fortiva says that XXXX hasnt notified them that the equipment was returned and the charge stands. How do I get Fortiva and XXXX to credit my account and not hurt my credit score.
Product: Debt collection

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// AMERICOLLECT IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Product: Money transfer, virtual currency, or money service

Iam filling a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practice, which violated the Consumer Financial Protection Act ( CFPA ) .Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolutions requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E.These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I paid my balance in full on XX/XX/XXXX -- I selected pay balance in full and believed that I no longer owed any money on this account. I did not receive a statement in XXXX or XXXX, which I thought nothing about since the balance was paid. 

On XX/XX/XXXX I received a call from the collection agency stating my account was delinquent and past due. I questioned the balance and asked for the last purchase since my last payment. I was told I was billed a past due bill and the prior to that a past due bill. I explained that I paid my balance in full online and didn't understand. I was transferred several times and told my payment was due on XX/XX/XXXX and I paid XXXX which incurred a past due fee. I then explained that I had no idea and that I hadn't received a statement in XXXX or XXXX. If I had known I would have called immediately and paid -- I explained that I paid online and opted to pay my full balance. 

I also explained that I would not have allowed a bill to go past due if I had known about it. I asked them to look at my history and explained that this was clearly an error. The rep empathized and explained there was nothing she could do and that I could write in. 

Again I explained- does it make sense that I would pay {$3200.00} on a XXXX XXXX  credit card to then turn around get charged interest and past due fees on a past due fee. I told the rep I don't know why, but I did not receive the bill. She said her system shows it was sent so that proved they did their part.
Product: Debt collection

ORIGINAL COMPLAINT FILED XX/XX/22 ; NO RESPONSE UNTIL XX/XX/22 ; DID NOT PROVIDE SIGNED TRACKING PROOF CONFIRMING THAT I RECEIVED A VALIDATION NOTICE PRIOR TO REPORTING TO MY CONSUMER CREDIT REPORT AS I REQUESTED. ONLY STATING THAT YOU DID WITHOUT THE REQUIRED PROOF OF TRACKING INFO, ORIGINAL SIGNED CONTRACT IS IN DIRECT VIOLATION OF MY CONSUMER RIGHTS UNDER THE FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to you about items on my credit that is not mine. My family is in a situation and needs my help and I cant because of this stuff on my credtt that is not mine. Please remove these items so I can move on with my life. XXXX, XXXX XXXX and XXXX XXXX. There are also alot of inquiries on here that I know nothing about XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX'>< XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 'XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX . I have contacted the FTC and local police.
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 XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account 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: Credit reporting or other personal consumer reports

My Student loans were dischargeable in bankruptcy in XXXX  only because of undue hardship. please see attachment. 

DEPT OF ED / XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Balance {$160000.00} XXXX XXXX XXXX XXXX {$150000.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX. 

XXXX XXXX XXXX  XXXX. 

I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Checking or savings account

I am a Chase Bank XXXX XXXX living to XXXX XXXX, XXXX. Starting from XX/XX/XXXX to XX/XX/XXXX, I was scammed and lost approx {$280000.00} from my Chase checking, saving, and brokerage account. I received a XXXX email asking me to contact them. Scammers claimed my Chase saving account was compromised and forwarded my call to Chase Fraud department who claimed to help me in the back end. They asked me to go to various Chase branches to withdraw cash ( 11 transactions ) and to make one account to account transfer. The cash was deposited into several local XXXX machines. There was a single account to account transfer of {$80000.00} that I was made on XX/XX/XXXX at Chase XXXX CA branch. The recipient account was a valid Chase business account. I was instructed to make that transfer from my Chase saving account. On XXXX, XX/XX/XXXX, I realized I was scammed and reported to Chase branch in XXXX, and XXXX XXXX XXXX Police ( Case XXXX ) and notified Chase. As of XX/XX/XXXX, Chase Fraud department called me once and said their final decision was it was NOT a fraud, therefore, they would not take actions to help me get the {$80000.00} back. Even though Chase knows this business account was now involved/used for scam activities, they were not offering help or assisting police to help me. I also reported to Chase that during the 12 withdraws I made at branches, many times I was speaking to the scammers on the phone, or was instructed to make multiple withdraws in a short period of time and repeated withdraws in the same visit, but not a single cashier asked me or inquired more about my unusual behaviors, which was a major violation and sign of Chase 's failure to protect their customers like me.
Product: Debt collection

This is account does not belong to me! The account was sold to this collection company who does not have an account with me as I have never done any type of business with this company.
Product: Credit card or prepaid card

Greetings! 

On XX/XX/XXXX I contacted Chase bank credit card services over an unrecognized charge that I wanted to dispute and cancel further charges. The charge was approximately {$42.00} from a company named XXXX XXXX. At that time I had no issues with them disputing the charge and telling me that there would be a block from all future purchases. I was not informed at that time that there were any potentialities for future charges from that company appearing. 

Today while paying my bill, I noticed a pending charge from XXXX XXXX. I contacted Chase and discovered that since my XX/XX/XXXX request to dispute the charges and prevent further charges, that 4 different transactions had occurred. The representatives did verify that I had contacted them in XX/XX/XXXX to place the block and were very unapologetic in letting me know that I should have been told that it may not be effective. 

I escalated the situation to an XXXX who refused to assist with 2 charges that had occurred after the block was requested in XX/XX/XXXX and she herself was even unable to contact the company via their listed support number or numbers found online. These charges were said to be too old. 

I have been a Chase customer for a very long time. I have 1 debit and 2 credit cards from chase and in all my years as a customer have never needed to dispute a charge or block any purchases. I am asking that chase please reimburse me for the 2 charges that should not have occurred that are 'too old ' to dispute in the amount of approximately {$84.00}. This situation has definitely hurt my perception of the company and I am very seriously considering alternative ways of banking in lieu of this situation 's outcome.
Product: Credit reporting or other personal consumer reports

This credit reporting agency is reporting information regarding my payment history and utilization without my consent. I have not given it the authorization to do so. This is a violation of my consumer rights pursuant to 15 USC 1681b ( a ) ( 2 ) which declares " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I have not sent written instructions to this agency to furnish my transaction history. The history of my transactions are not supposed to be included on my credit report without my consent and authorization. This credit reporting agency is also in violation of the Privacy Act of 1974 which states that, no agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 USC 552a ( b ). This consumer reporting agency is violating my privacy as I have not requested for or given written consent to this credit reporting agency to disclose any records regarding any late payments or utilization on my credit report.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$11000.00}
Product: Debt collection

I spoke with global lending services on Friday XX/XX/2023 and spoke with them in regards to why I fell behind and also gave them a date I would make a payment XX/XX/2023. As of today I have been attempted to be contacted an additional 3 times. On XX/XX/2023, XX/XX/2023 and today XX/XX/2023. Some on my phone number and some on my co-borrowers phone number. I made it very clear in my phone call on Friday that I know the laws, they have to wait to contact me, as well as they had threatened to report to the credit bureaus. The reason I had fallen behind was my father passed away and we had to help with end of life expenses and they were not willing to assist AT ALL! They stated they had options for me but offered NONE!