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

I had an overdraft fee more than 20 times on my account. I have the money and make the purchase but a couple days later I see itll be minus the amount of any purchase that I did and Im not understanding why?
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a few accounts on my credit report that I've never given consent or permission to give me any lines of credit under my credit report or to run my credit or put unauthorized inquiries on my report 1. caine weiner ( XXXX XXXX ) -date XX/XX/XXXX -amount {$380.00} 2.XXXX  XXXX ( student loan ) -date XX/XX/XXXX {$13000.00} 3. us dept of ed ( student loan ) -amount {$9900.00} -date XX/XX/XXXX 4. XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) -date XX/XX/XXXX - {$1100.00} 5 . XXXX XXXX XXXX -date XX/XX/XXXX - {$1000.00} 6. XXXX XXXX XXXX ( sold to XXXX XXXX XXXX XXXX ) -DATE XX/XX/XXXX - {$1100.00}
Product: Credit reporting or other personal consumer reports

Please refer to the attachments pertaining to the Equifax data breach XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XX/XX/XXXX XXXX XXXX XXXX for unknown account
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company broke the Law!!!! 

Your company is in violation of the following subsection of the Fair Credit Reporting Agency. 15 USC 1681b. Congress makes it clear, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : Pursuant to 15 USC 1681b ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give this company written instructions to furnish anything on my consumer report. 

As a consumer reporting agency, Capital One USA Na used my consumer report for monetary fees, dues that regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means of interstate commerce for the furnishing consumer reports. Pursuant to 15 USC 1681a ( f )
Product: Debt collection

I paid this account to portfolio recovery from hsbc bank it was a settlement that we made, so by me making that payment it was going to be deleted and not to be on my credit reports.i been disputing it for over a year and still damaging my credit.and also hsbc bank goes and also reports the same account as ... a charge off they hsbc sold the account to XXXX and again I been disputing it over a year.also my last payment was in XXXX 2008 and do n't understand why hsbc still reporting it.. I need some help on this..
Product: Bank account or service

Opened business account with Wells Fargo XXXX XXXX branch 4 years ago. 
The account was open with XXXX individuals on this account as owners. 
We explained to the bank that we had a partnership and presented our partnershippaper work to them for general information. We also told them this account belonged to only XXXX individuals in that partnership. 

After having this account for four years we noticed that an atm card was withdrawing funds from our account over the last couple of months withoutour permission. 
We notified the bank and froze the account and made inquires concerning who was drawing funds. 
They told us it was XXXX of the XXXX partners in the partnership who was not suppose to be on the account. The bank also explained that these partners were on the account from the very opening of the account. 
We told the bank to provide us with the original paper work which would have onlytwo signatures and all the information regarding true ownership. 
The manger could n't find it nor could the executive office. 
I requested a written letter from both the manager at XXXX XXXX as well as the executive office regarding how I could acquire policy information on how initialrecords are maintained and how can account owners get them. 
I also asked if it was a policy that individuals can go on account without signturesor knowledge of primary owner. 
They had no answers and they would not supply me with anything in writing regarding bank policy. 
I told the bankers that my main purpose was to find out how to clarify this situation and to retrieve all funds that were taken without our permission. 
Again they said they could not provide me with anything I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Consumer and I notice a few Consumer Violations on my Consumer report that I would like remove. My Right to Privacy has been Violated, I never consented to no one to furnish anything on my Consumer report. And I did not give anyone Permission to use my Non Public Personal Information for anything. Attached you will find a list of all said Violations.
Product: Mortgage

I closed on my loan late XX/XX/XXXX/XX/XX/XXXXas part of refinance. I had several thousands in escrow that PHH was supposed to send me a check for. After contacting the company in XXXX about the check they said they will verify that the check wasn't cashed and reissued. I never received any follow up or check. In early XX/XX/XXXX I contacted PHH again and found out that the check was cashed. I was shocked that this wasn't escalated for fraud considering I contacted them in XXXX but nothing was done. This got escalated to fraud department at PHH. Also escalated to a manager whom promised good follow up and resolution. It's now over 2 weeks and I still have not received a resolution. I contacted PHH again today XX/XX/XXXX, was informed by a manager that this is a complicated matter and she hasn't seen this happen again. Again very surprised that most basic case of fraud ( cashing a check ) is something the manager of fraud department considered as difficult and unusual. She also told me that they only have 30 min for research and the rest of the day have to be available for inbound calls. I am so very frustrated and disappointed that this fraud is being ignored and proper urgency is not taken. Pulling a cashed check is a matter of min and if the agents don't have time to do investigations it speaks volumes of what PHH is focused on ... debt collecting.
Product: Credit card or prepaid card

We opened a Store Card with Amazon through Synchrony in XXXX XX/XX/2019. Payment due dates are set for the XXXX of each month. We had initially set up for the card to take an auto payment of Min Due. 

Our First bill came, and I paid the card on XX/XX/XXXX. Which was more than the Min  Due. 

On XX/XX/XXXX it then tried to take a Min Due payment and was rejected, even though we had already paid more than the Min due. 

So we called and had them turn the auto payment off, after they told us that even if we make the payment it will still take a payment. 

XX/XX/XXXX I then paid the card off this was for the XX/XX/XXXX invoice. 

XX/XX/XXXX I paid the XX/XX/XXXX payment, and then it again tried to take a payment. And I had the bank reverse it. And called to complain. 

The rep told us it can take 30-60 days to disable auto pay and that's why it happened. She then assured me its now turned off.

I told her your website says that Auto Pay cancelation is 2 business days not 30-60.  She apologized for the confusion and left it at that. 

I then made the XX/XX/XXXX payment on XX/XX/XXXX. And we received a letter that our account has been closed for 2 returned payments. 

I continued payments until we had a brief hit in XXXX XXXX with Covid, they reversed any late fees due to covid, and I then continued to pay the card off. 

I then spoke to them again, as it showing on our credit as closed by credit grantor is dragging our score down. 

When I spoke to them today they said it was closed due to delinquency. I said the account was never delinquent it was always paid 15 days before due dates. The issue, was we assumed that if the min payment is XXXX and we pay XXXX, that the auto pay would not then try and take a payment. As we had already paid the min and more. 

And we then assumed after we turned off auto pay it would not be an issue again. But they still took another auto pay.. And then closed the account for the two returned auto pays. Even though I had paid the account manually before the payment due dates. 

Talking to them is you had two returned payments sorry cant help.. and don't seam to understand I had already made the payments and had auto pay canceled. Its not my fault they say it takes 30-60 days to turn off when the site says 2 bussiness days. 

I would like them to reopen the account and remove any negatives.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I applied for an apartment and my application was denied due to a collections account from ProCollect, linked to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Arkansas. The account, submitted on XX/XX/XXXX, for {$1300.00}, is not mine. I have never resided in XXXX XXXX, Arkansas. In XXXX, I was XXXX XXXX XXXX in XXXX, and I can provide documentation to substantiate this fact. 

Actions Taken To resolve this matter, I have taken the following steps : Communication with ProCollect : I spoke with representatives at ProCollect to address the issue.

Police Report : I submitted a police report confirming the identity confusion between myself and my XXXX  brother that was asked of Pro Collect.

Identification Documents : I provided copies of both my and my XXXX  brother 's identification to ProCollect.

Despite these efforts, the collections account remains inaccurately associated with my credit report. The documentation provided by ProCollect lacks crucial identifiers such as my brother 's Social Security Number and Driver 's License Number, further indicating that this account is not mine. You can also asked Pro Collect for the recording calls of me explaining the situation multiple times and them stating that my XXXX  and I have the same SSN and they couldnt find my XXXX  brothers SSN when they did the search.
Product: Credit reporting or other personal consumer reports

There is fraudulent, inaccurate, and unverified information on my credit report. I have tried to reach out to the bureaus, but to no avail. According Section605B of the Fair Credit Reporting Act, the fraudulent information must be removed.
Product: Credit card or prepaid card

The issue at hand has to do with an account established for me by the XXXX of Pennsylvania for the purpose of depositing my Pandemic Unemployment Benefits. On XX/XX/XXXX and XXXX of last year, my account was hacked and either {$2000.00} or {$4000.00} was stolen. I am uncertain of the amount because the monthly statements are confusing at best. A copy of my XXXX statement is attached. To their credit, the bank ( U.S. Bank ) discovered the breach and immediately froze the account, terminated my card and sent me a new one. In spite of that, it took weeks, and hours on the phone, to restore access to the account, but that's not the root of the problem. I recieved a resolution letter from the bank dated XX/XX/2020, a copy of which is also attached. It provides no information regarding the amount stolen, says that they concluded that they did nothing in error so no funds would be credited to the account. It also clearly states in the third paragraph that they will provide the documents used in their determination if I request them. Of course I want those documents so we can document the loss and the amount of the loss on our tax return in an effort to not pay income tax on money lost due to theft. I have made repeated calls to U.S. Bank 's fraud department and have been told on three occasions that they would send the documents, but none have been forthcoming. Each time, the person I spoke to said that they had no idea what I was talking about, but when I convinced them to read the letter, they promise to send the documents. At this point, I must confess, their unwillingness to send this documentation has made me suspicious. I'm wondering if any investigation actually took place or if they just decided that they would rather have me take the loss than them. It's also odd that if I withdraw more than {$1000.00} in a 24 hour period I am to pay a fee, but no fee was charged for these {$2000.00} withdrawals. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00}
Product: Checking or savings account

I left Wells Fargo awhile back after 2017 give or take. Numerous overdraft fees every day all because my account went XXXX dollars under. Then I get charged XXXX dollars a day. So before I realize my account is negative by XXXX dollars I owe XXXX dollars. I went on a cruise and my account went negative by cents. And I received a fee every day while I was out of country and they would only compensate me for half of XXXX dollars in one week of overdraft fees. I was wondering if there was any compensation for me through the law suit.
Product: Debt collection

On XXXX XXXX, 2016 at around XXXX I called national credit systems at XXXX and was transferred to XXXX XXXX. I inquired about settling the debt for {$2000.00}, with the original amount being just under {$3900.00}. XXXX informed that she would have to submit a formal request to the original creditors, XXXX on XXXX, the apartment units I originally owed money to. When I asked about obtaining a copy of this formal request for my records she denied me this request and said I have no right to know what they are sending. I explained to her that as a consumer I felt I did have a right to a copy of this request since it has my name and it is a request for a financial settlement. I was again denied this request later in the day after being transferred to her supervisor, XXXX XXXX. On XXXX I reached out to XXXX XXXX who is XXXX and XXXX 's manager. XXXX also informed me that he is unwilling to provide me with the official request that was being sent to XXXX because it is client privilege and he does not have to release such documents. I asked him he could then provide me with a letter from the company to myself stating that they sent a formal request to XXXX on XXXX inquiring about a possible settlement for my account. He also refused to provide me with this letter. As a consumer, I feel that I am entitled to keep track of what this company is doing regarding my inquiries to settle this debt. Their refusal to provide me with any documentation of their attempts is making me question if they are really taking these actions at all.
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i XXXX request an extension of the block. During the block, you XXXX not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan with national Collegiate Trust. i did n't make any payments on the loan for 6 years and due to the " statute to limitations '' the loan collector should not be contacting me any more, by they still are in both forms phone call 's and letters. I am also trying to buy a house for my family and found out that i can not get a USDA loan for the house because National Collegiate Trust has filled the loan as a government delinquent loan. The problem with that is the loan is a private loan not a federal/Government loan. due to the way they filled the lion on my credit report i am not able to buy my first home.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting

Experian put a " Security Alert '' on my account due to incorrect and false information they received from XXXX. XXXX purposely and maliciously assigned a non existant address to me. I have been fighting with XXXX for over a month about this and now they have reported the incorrect details to Experian and to XXXX. This matter needs to be solved and the false address completely removed from my account info ( on all three agencies ). XXXX XXXX does not exist. I live on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to apply for a credit card an been denied to something missing on my credit report an being falsely reported deceased illegally cause me to be denied credit fair credit report agency act violation civil rights uptain credit an applying for credit place my credit in good standardan to approve my application an contact XXXX XXXXXXXX for a approve an fix this problem all credit report agency approve my application to uptain credit my date of birth was incorrect to stop me from having credit
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been seriously compromised and abused to say the least. Im demanding that the following accounts be blocked and removed from my credit file immediately, all accounts are fraudulent. I'm also demanding that the credit reporting agencies that's reporting these unauthorized accounts show just cause via The Method Of Verification used to even obtain these unauthorized accounts. And if such information can not be granted then the credit reporting agencies shall remove the following immediately. 

1 ) XXXX XXXX XXXX {$2400.00} 2 ) XXXX XXXX XXXX   {$0.00} 3 ) XXXX/XXXX XXXX {$11000.00} 4 ) XXXX/XXXX XXXX XXXX XXXX {$5700.00} 5 ) XXXX XXXX XXXX XXXX {$1000.00} 6 ) Missouri Div Child Support {$4.00} And also please remove all fraudulent inquiries and that's all of me
Product: Mortgage

Due to accounting errors with PHH Mortgage, my account was erroneously placed into foreclosure I have obtained an attorney and have made numerous, concerted efforts to work out the issues through mediation and have provided both a deposition and a loan modification request. 
The loan modification was mailed - with delivery confirmation - on on XXXX/XXXX/16 and contained all requested information. 
There was no response to the loan modification request. On XXXX/XXXX/16, I received a " Notice of Sale '' for my property, with a sale date of XXXX XXXX, 2016.
Product: Checking or savings account

On XX/XX/year> at approximately XXXX I logged in to my Citizens Bank App to make a transfer from my savings account to my checking account as I normally do. My savings account was unavailable, I called the bank. 
The representative told me that there's a freeze on my account for Non-monetary transactions. 
On XX/XX/year> I deposited my check of {$1600.00} ( approx ) and previously I transferred money from the checking to the savings. There is a lot of monetary transactions. I was told I need to call on Sunday at XXXX XXXX. - which I did. I was placed on hold for more than 40 min to speak with a Supervisor that told me " the accounts are under review due to maintenance '' many clients have been affected. There was never a message on the app or the website. My funds are being held without any legal reason. This is unfair to me as a client- I want to use my money, it's been 48 hrs and the issue is not resolved.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating.
Product: Credit card

I have closed my account with Macy 's for a credit card multiple times ( most recently in XXXX 2015 ) and I have received new statements with late balances. I closed the card due to the inappropriate application of fees and late fees. Now, with the account closed with a XXXX balance four months ago, I receive a new statement saying I owe {$8.00}.