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

I went to a restaurant XXXX, they charged my debit card twice once for XXXX and again right after for XXXX. That XXXX over drew my account and the bank charged me almost XXXX dollars worth of fees. They told me to wait til the charge drops off cause it was pending and they would get those fees taken off. They aRe now saying they can only do half of those charges back to me. This is ridiculous my account wouldn't be over drawn if it wasnt for a charge I didnt do and their fees. I should get all of those fees back and a chance to bring the balance positive before I'm charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to XXXX was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$1900.00} XXXX FEDERAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$1000.00}
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on account I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i have attached a copy of my report to this complaint on the following dates XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time immediately. 
Thank you for understanding and promp action.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to inform the CFPB that information previously deleted from my credit report has been reinserted without proper notification. The reinserted information is the same as what I initially disputed and provided documentation for in my filing with Equifax.

I am requesting that this information be immediately deleted from my credit report as it was previously determined to be inaccurate or fraudulent. I also request confirmation that the information has been removed and that my credit report is updated to reflect this within ( 4 ) business days, as required by law. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

My issue has to do with Consumer Fraud and a Case Intake filed with the New York Attorney General 's office XXXX XXXX, since Citibank is based out of New York , NY. What happened? : On XX/XX/2023 I recieved an email with Social Security logo on the letterhead. Beneath the logo was a Case No. : XXXX. Then the word Alert! then my email address. Then, in the body of the letter it starts : " This is to notify you that your Social Security Number has been terminated due to suspicious activities found during our investigation. You should not use this number for any future transactions. '' Then it says : ( To know the reason of the termination in details ) call toll free number XXXX ( XXXX ) XXXX and I did. A XXXX XXXX XXXX answered my phone call. He transferred me to a XXXX XXXX XXXX. He asked me did I have a bank account. I said yes. He said he needed me to get XXXX remote desktop application from the XXXX store and upload to my XXXX. I did. He wire transferred the moneys in question. I am showing in this complaint - that the domestic wire transfer of XXXX from my Citibank 's personal checking account was for {$5700.00} plus {$25.00} bank wire fee, along with {$500.00} XXXX transfer to an XXXX XXXX at XXXX by a XXXX XXXX at XXXX ( XXXX ) XXXX were acts or practices that are consumer-oriented, and have a White Collar Crime flavor that was misleading in a material respect, ( The SSA letter XXXX and that I am the victim and was injured as a result of this deception. The {$5700.00} was wired to XXXX XXXX XXXXk routing # XXXX and to account XXXX. Citibank 's XXXX ; Citibank 's General Counsel and several others has been informed but to no avail. The New York Attorney General also has the power to enjoin deceptive consumer practices or to initiate enforcement actions against any person or business that engages in deceptive acts or practices or false advertising. The harm totals {$6200.00} which needs to be returned to my Citibank checking account.
Product: Credit reporting or other personal consumer reports

Please Remove and Delete these accounts immediately as they were opened fraudulently without a valid written signature of the original contract. I never had a contract with these debt XXXX for any debt. Please provide proof from the original creditors that these debt XXXX own these debts with the purchase agreement and have the legal authority to collect it or delete these accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you in advance for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Here is the proof that I sent Transunion asking them for my original signed documents per the section 609 act and they refused I have asked them who did they talk to when they claim to have verified the account! Once again me as the consumer has the right to asked for those documents per the law.. it also states if the reporting agency can not verify the items it must be delete
Product: Debt collection

XX/XX/year> To whom it may concern, I am writing to dispute the following information that appears on my credit report from XX/XX/year> : JEFFERSON CAPITAL SYST I never had a contract with this debt collector for any debt. Please provide proof of license to collect debt in my state, chain of custody, and the purchase agreement from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Please reinvestigate these matters and delete the disputed information as soon as possible. Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/19, on the Commerce Bank website, I ordered a stop payment on check # XXXX. The webpage did not say there would be a {$30.00} charge for it, and I assumed that it was free. I then found that my account had been charged a {$30.00} fee for the stop payment. 

The fee should have been disclosed on the web page where I went to order it. If I had known there was any fee, I never would have purchased the stop payment.
Product: Mortgage

I was given an incorrect breakdown of my closing costs by a sales assistant working on my loan. Upon receiving an email with my closing disclosure and cash to close amount, I reached out to the sales assistant that had been helping with final paperwork. When I asked for clarification, I was told that the total cash to close was correct- {$4800.00} and my gift funds from donors ( {$4100.00} ) left the remaining amount of {$770.00} as my responsibility. This was all I needed to bring to closing, along with the 2 separate gift checks totaling that {$4100.00} amount. After signing all documents, the title company informed me that I was {$4000.00} short and would need to bring this money for my transaction to be filed. After showing them what I was told in writing, I attempted to contact the sales assistant that initially told me the {$770.00} amount. Because I was unable to reach her, I contacted the Senior Mortgage Loan Processor who had been coordinating with the underwriter. She told me that the title company was not correct and requested to call me back. I was called back by a woman named Kindy who confirmed what was originally told to me, that I was only responsible for the {$770.00} amount. Then, I heard the Senior Mortgage Loan Processor state that was incorrect and that I did not understand. At the same time, I received a text message from the Sales Manager stating " it looks like it changed to you needing {$870.00}. '' This totals to 4 different people telling me the incorrect amount, all the way up to the day of closing. I was misinformed multiple times by multiple BOK employees and was not told that the gift funds were applied prior to closing and were actually separate from the cash to close amount. 
This incorrect amount put me in a MUCH less stable financial position as I am going into my first home. My home is in need of minor repairs, new furniture and moving costs that all will be delayed due to this large {$4000.00} difference in closing costs that I was led to believe I was not responsible for. When seeking resolution on my own with the company, I was told that this all happened because I could not understand paperwork, I should have realized something wasn't right and that nothing could be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I could not find the correct option this is as close as i could get. I had a credit card with Navy Federal and i tried to set up payment plans with them to pay down my debt. I called in XXXX to set up a payment plan was planning to have {$85.00} taken out of my account even 2 weeks to pay down the debt. I gave them confirmation of my account number was told it would come out automatically on and every Friday. the first pay date came and passed with no withdrawal i contacted them again and they stated the money attempted to come out but there was an issue with the account. But the rep even gave me and confirmed my account number before continuing. I called again and set up the payment plan and stated i want them to take it out automatically every 2 weeks. I do not have access to make a payment online so i have to call. They stated it will come out every 2 weeks. and confirmed my account number again. Tee payment did come out and i waited for the next payment to come out and it did not. I waited yet AGAIN to see what was the issue and noticed still no payment was withdrawn. I calle for the THIRD time to please have them withdraw the payment and make it an automatic withdrawal. I was told it would be. Now it has not been taken out for the past couple months. I keep receiving letters in the mail telling me to please set up a payment and also via email. Why is it that i have to call 3 times for the same issue and still not getting the money taken out. I am trying to make my payments and i was told by 3 different reps it would be set up automatically yet there is no money being taken out of my account. I am not trying to run from this and want to make sure its paid but no one there is willing to do what i asked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these late payments on 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 XXXXXXXX for months. XXXX and XXXX have reversed them but XXXX is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Debt collection

Global lending is reporting an auto loan to my XXXX credit report that is not mine and has never belonged to me. I have never done business with this company and I have never provided any personal information to them. This company is online. I have never even inquired about any services this company provides. I have never signed any loan documents. Global lending is fraudulently reporting a fake account or someone elses account on my credit report that needs to removed for face legal action. Considering I have had a freeze on my account for 4 years Im not sure how they even accessed my report.
Product: Money transfer, virtual currency, or money service

To whom it may concern, On XX/XX/2023 I received a phone call from someone claiming to be with Wells Fargo. They said that I had some unapproved charges on my account and asked if had made them. I said no and they sent me a link to click on for account verification. I did and it would never load so I cancelled after about a minute, I told them to call me back after XXXX XXXX since I was at work. They did call back explaining how I needed to give them my PIN number so it could be changed so my account would be safe. I did not give my PIN number, I found this very suspicious. On XX/XX/2023 I received an email from Wells Fargo about a wire transfer ( {$22000.00} to a XXXX mobile detailing ), I immediately called XXXX to state that I did not authorize a wire transfer from any of my accounts. I then received a text message saying that the transfer had been cancelled. Case # XXXX was then opened with the fraud dept. I checked every other day to check the status and was told the wire transfer went to a XXXX XXXX XXXXXXXX and the money was requested back. I called XX/XX/2023 and was told that XXXX XXXX XXXX showed a XXXX balance and that they had no money to send back, so my money will not be refunded to my account. I spoke with XXXX with Wells Fargo Fraud Dept. and she explained to me that I need to write this letter of Appeal for the new case # XXXX. I still have the Emails and the texts from the numbers that I have already reported. I hope this issue can be resolved and the money be deposited back in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report. Please have the following items removed from my Credit File as soon as possible. : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$400.00} XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXXXXXX Balance : {$310.00} XXXX XXXX Balance : {$420.00} XXXX XXXXXXXX Balance : {$160.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$690.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$390.00} XXXX XXXX XXXXXXXX Balance : {$0.00} 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 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 Bankruptcy Discharged XXXX XXXX XXXX Bankruptcy Discharged XXXX XXXX  XXXX Bankruptcy Discharged XXXX. I have read that under the Fair Credit Reporting Act section 605b, you are required by Federal Law to have the disputed accounts and information removed from my Credit File, so please do so.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Investigation and Account Deletion Under the FCRA Dear Sir or Madam, I am writing to you regarding the account [ XXXX ] reported in my credit history. Following a dispute with XXXX, this account has been removed from their report because the information was found to be inaccurate or unverifiable. Attached to this letter is the confirmation of deletion provided by the other credit bureau, further demonstrating that the data provided by the information furnisher does not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). 

During their investigation process, the other credit bureau reviewed the details of the debt and determined that the information could not be verified as accurate. As a result, they removed the account from their records. I expect the same level of diligence and adherence to the FCRA 's requirements in your investigation. 

Pursuant to 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure maximum possible accuracy in the information contained in my report. Since this information has already been removed by another credit bureau, I request that you review this account and remove it from my report to reflect the same level of accuracy. 

Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand that you conduct a reasonable and thorough investigation of this dispute. The removal of this account by another credit bureau strongly suggests that this information can not be verified. Additionally, under 15 U.S.C. 1681s-2 ( b ), the information furnisher is obligated to correct or remove inaccurate data across all credit bureaus with which they operate. I request that you contact the information furnisher to confirm that this information should be removed from your files. 

Finally, please note that failure to comply with your obligations under the FCRA may result in civil liability under 15 U.S.C. 1681n and 1681o. I look forward to a prompt resolution of this matter and request confirmation of your receipt of this dispute, as well as the removal of this account, within the 30-day timeframe required by law. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

XXXX XXXX, 2015, XXXX XXXX XXXX, ( my bank ), paid {$1000.00}, on my behalf, all for XXXX XXXX. {$520.00}, for XXXX XXXX mortgage, {$500.00} extra to principal. Carrington Mortgage Services, applied extra {$500.00} to XXXX XXXX. Statement instructed me to pay {$27.00} balance for XXXX XXXX. 
I telephoned, they promised to fix. 
XXXX XXXX, 2015, XXXX, ( my bank ) sent {$1000.00}, all for XXXX XXXX, to Carrington. Statement from Carrington tells me to pay {$520.00}, XXXX 's mortgage by XXXX XXXX, or I must pay {$17.00} for late charge, for month of XXXX 2015. HELP!
Product: Mortgage

In XXXX I requested verification of this loan with documents signed by me. This letter was accepted by Ditech on XXXX XXXX 2016. I received only XXXX letter in response but no verification. The returned letter is dated XXXX XXXX 2016. As per FCRA XXXX ( a ) ( XXXX ) this company has violated my rights and will not send verification. Ditech did not respond or mark account disputed in required 30 days from receipt of 1st letter, since then I have sent out others with no action done on their part. Attached are copies of my credit report with no comments made by company up to XXXX/XXXX/2016. 
Ditech has violated my rights and the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am making this complaint to The Consumer Financial Protection Bureau ( CFPB ) a concerning report regarding Bank of Americas handling of a dispute involving a client account. The account holder, experiencing financial strain due to the account being in the negatives, initiated a dispute with a client. However, after the client canceled the chargeback, Bank of America failed to promptly communicate with XXXX XXXX to rectify the situation and return the funds to the account holders account. 

Despite the cancellation of the chargeback by the client, Bank of America has not taken appropriate action to resolve the matter. The account holder has been diligent in providing evidence of the canceled dispute to Bank of America, yet the bank has not fulfilled its responsibility to reach out to XXXX XXXX to confirm the status of the dispute. Consequently, the account holder faces significant challenges, including potential missed car payments and business expenses, which could adversely impact their credit. 

This failure to communicate and resolve the issue in a timely manner is unacceptable and warrants investigation by the CFPB. Bank of Americas lack of action is causing undue hardship for the account holder and raises questions about the banks adherence to consumer protection regulations. Immediate intervention is necessary to ensure that the account holders rights are protected and that appropriate measures are taken to rectify the situation.
Product: Credit reporting or other personal consumer reports

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, XXXX, & Equifax didn't make sure it was reporting 100 % correct. 
In accordance with the FCRA and Metro 2 compliance reporting standards. 
Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, XXXX, & Equifax have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.