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

I have direct deposit with Chase bank through my job. I was charged twice at the rate of {$34.00} for insufficient funds although my check is about to post. I have noticed that if my account is nearing the limit of being overdrawn, Chase Bank holds my posted deposit a day until they can charge me for Insufficient funds. I have selected Chase to be the repository of my pay check but their practices against consumers. Sometimes, my check posts 1 0r 2 days prior to the end of the month. My other bank has already posted the portion of my check that I allot to them. I split the check to see which bank was the more reliable, and it is not Chase. They are very arbitrary in when they post checks. I called and was told it's " the bank 's discretion '' when they post the checks or if they post them early. This is not good practice. I would like my refund! I would have posted a deposit had I known my check was not going to post timely. Today is XX/XX/year>, my paydate. It is XXXX and my paycheck still has not posted. Most institutions pay prior to the expected paydate, and sometimes, so does Chase, but it is totally arbitrary. Why isn't my money showing in my account today? I have bills to pay and they need to be paid timely. I had expected the monies to post after midnight. This is all electronic. It's not like a clerk has to physically go and verify the funds. My paycheck is electronically handled via XXXX, and the bank knew to expect it days ago. Now, my mortgage payment is on hold because the funds are not available. Also, they charged me over the weekend for XXXX fees. I did not make a deposit because I and THEY knew my check was already there. I did not expect them to overcharge me and continue to hold my check!!! I think they are going to try to again make another fee from this.
Product: Credit reporting or other personal consumer reports

In compliance with FCRA 605B, incorrect accounts need to be removed from my credit report. Could you review the documents provided? There are inaccuracies in reporting, amounts, and dates for some listed accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

We financed a car loan with fifth third bank and recently paid off the loan early, or so we thought. Our account showed a XXXX  balance and everything on our side showed paid in full. There was apparently an outstanding balance of XXXX cents that was charged afterwards as interest. We were never notified of an additional balance. No one ever called us to collect payment. We received no notification there was anything outstanding. Everything we had including our customer portal showed a XXXX balance on the loan. Today we were notified an account was put into delinquency status on our credit and we immediately started looking into what the issue was. After calling the bank we were informed for the first time that there was XXXX cents outstanding that had gathered another XXXX cents in interest for a total of XXXX cents owed. Again, we were never notified either through written or verbal notice that any amount was still due and the information available to us showed a XXXX balance on the loan. It disturbs me greatly that a banking company would neglect to contact their customers to collect payment especially on something as small as this. We never missed a payment on this loan and paid it off years early. The negligent and purposefully harmful way this case was handled is nothing short of malicious predatory lending in order to collect as much additional interest as possible.
Product: Checking or savings account

Capital One rep ( s ) by the name of XXXX and XXXX, depending on which rep replies, give alternate responses to complaints filed regarding missing payment from closed account with Capital One from 2018. The payment represents closing balance in account, the amount of {$4200.00}, initial check had stop payment placed prematurely by Capital One rep, check reissued while I was away on vacation. The reissue check was intercepted, cashed by another party, complaints filed in re and unresolved to date. A XXXX XXXX replied in re by attempting to imply person whom intercepted is related, lived at address at the time, failed to investigate further. Even if person is related, does not mean the funds were not stolen as they were.. No affidavit was sent as it should have at the time, according to rep with Connecticut Dept of Banking . An affidavit was finally sent via email several months ago after providing above information from Connecticut Dept of Banking, signed and mailed back to Capital One. The bank whom cashed check, XXXX XXXX Bank, did not receive information in re... I advised Capital One reps of non-receipt, refused to look into it, advised to continue to wait.. Failing to look into it, I reached out to party whom cashed check via social media, person agreed to reimburse funds via check which did not clear, was returned NSF. Most recently, I spoke with rep at XXXX XXXX, confirmed check returned and request a new affidavit in order to investigate/reimburse funds to Capital One.. Unfortunately, Capital One rep by name of XXXX refers to my prior statement, " I was able to obtain funds from party '' or similar thereof... The funds were in form of a check, not cash, it is common sense not to give cash in such a high amount... I believe XXXX as well as a XXXX recognize this fact, refuse to reissue affidavit. Depending on which rep replies, I am referred back to party whom cashed check, in which case it is not my responsibility to do so, or my prior statement is referred back to which XXXX twisted around to his own convenience. I request the CFPB look into handling of this matter from back in 2018, which Capital One has not handled properly as they did not send affidavit prior and now refuse to reissue. Further, I request CFPB send this complaint to a different rep, other than XXXX or XXXX A number was left in case of questions, however, Capital One reps do not accept or return calls from past experience.. XXXX XXXX left her number , seven messages left, none returned to date...
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Between XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX of XXXX Georgia made over a dozen unauthorized debit charges to my checking/savings for various amounts, multiple times per day in excess of the bank ATM allowed debits per day totaling over {$7900.00} over a four-to-six week period. 

My debit card is mandatory for ATM transactions at Wells Fargo bank and was printed with a visa debit card font as a locator for the printer of the debit card. 

On XX/XX/XXXX I went into Wells Fargo to address the fraud/unauthorized transactions that I had no knowledge had taken place ; the XXXX XXXX XXXX company made no contact with me prior to charges being taken at any time. 

I filed a fraud/unauthorized transaction claim at that time in a Wells Fargo branch located on XXXX XXXX XXXX in XXXX XXXX and was told by their employee XXXX XXXX that it would be put in high status for immediate attention. I then supplied XXXX XXXX with the back-up material I had about the XXXX XXXX XXXX via email while in front of him, at his computer inside the branch. 

Several fraudulent charges were made on several Wells Fargo debit cards over the course of my three months ( XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX ) in XXXX XXXX, to the point that I had to frequent Wells Fargo locations multiple times to have new cards issued. We ( Wells Fargo employee XXXX XXXX and me ) discovered after reviewing all charges made during the three months that several hotels had also overcharged my debit card throughout the XXXX XXXX metro area ; we then alerted the fraud center of the other unauthorized charges in excess of {$2300.00}. 

As of today, XX/XX/XXXX, Wells Fargo has denied my fraud claims for the $ 10,000++ unauthorized debit card charges placed outside the area and without me present at the company making the charges. Wells Fargo did nothing to watch or protect my debit card ; Wells Fargo branches smirked at me and treated me as if it was a homeland security drill and the money was not mine. A Wells Fargo branch located on XXXX XXXX in XXXX XXXX, CA told me in XX/XX/XXXX that I would have to hire a lawyer and sue either the XXXX XXXX XXXXl or Wells Fargo. It is not my preference to file a lawsuit ; however, Wells Fargo has promoted their errors in the past year and said publicly they are caring for their customers. They did not treat my money like it was mine ; they made me feel like it was theirs and could care less that their actions left me without travel options, without shelter, and without food. 

Please contact me for details on how I can proceed here. This has been a year of chronic fraudulent activity allowed by Wells Fargo in my savings and checking and debit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you because I am concerned about the accuracy and honesty of credit bureau 's data. Upon review of my report, I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from you. Document that you have complied with the reporting requirements, and report without any deviations. Please note that if you have not complied with the requirements, I will need to remove them from my 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 Also per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputes The CRRG standards state that in order to make a report, you must follow their guidelines. Any deviation from these standards jeopardizes the integrity of data. ; This means any mistakes when reporting claims can have serious consequences for accuracy- which affects your federally regulated reports! With that said! I found some mistakes and inaccuracies in your report, which I would like to dispute/challenge. The following claims about me were not reported correctly and I am challenging these inaccurate statements. 
Please provide proof that the proper reporting standards were followed so this can be resolved immediately!
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate information appearing on my credit report, specifically regarding a closed account with an inaccurately reported balance. According to 15 U.S.C. 1681 ( Fair Credit Reporting Act ), I am entitled to have accurate information reflected on my credit report. Please consider this letter a formal dispute of this inaccurate information. 

The account in question is listed as XXXX XXXX XXXX XXXX. This account was closed on [ XX/XX/year> ], and the balance should have been updated to reflect zero at that time. However, my credit report reflects an incorrect outstanding balance, which is adversely affecting my credit score and overall credit standing. It also includes misleading and inaccurate information reported between the XXXX credit bureaus. 

Under the FCRA ( 15 U.S.C. 1681i ), credit reporting agencies are required to conduct a reasonable investigation to ensure the accuracy of reported information. Additionally, under 15 U.S.C. 1681s-2, furnishers of information are obligated to provide accurate data to the credit bureaus and must correct any inaccuracies once they are notified of an error. 

I am requesting the following : A prompt investigation of this closed account to confirm the accurate balance of {$0.00}. 
Removal or correction of any inaccurate information regarding the balance on this account. 
Written confirmation that these changes have been made, or a statement explaining why the reported balance was not updated following the account closure. Please update my credit report to reflect accurate information, and ensure that all credit reporting agencies receive the corrected data. 

Thank you for your attention to this matter. Please notify me promptly once this dispute has been resolved. I may be reached at ( XXXX ) for any additional information. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX XXXX, I am writing to bring to your attention a situation that has been affecting my financial wellbeing for several years. In XX/XX/2014, I notified Discover Bank of a fraudulent credit card that had been opened in my name and delivered to an unknown person named XXXX, whom I have never met. Despite notifying Discover Bank of this fraudulent activity, I recently discovered that this person has been using the card for years without making any payments, causing significant damage to my credit score.

I have been working with Discover Bank for the past six months to resolve this issue, but they have not been able to remove the fraudulent card from my credit score. I have also notified all of the credit bureaus, but the situation has not been resolved. This has caused a significant amount of stress and financial hardship for me.

I am reaching out to you as I am in need of assistance in resolving this issue. The fraudulent activity that occurred back in 2014 was not authorized by me, and I should not be held responsible for any damages that have occurred as a result. I believe that the credit card should be removed from my credit report as soon as possible, and I am willing to provide any necessary documentation to support my case. 

I hope that you can help me in this matter, as it has caused me a great deal of distress and has had a negative impact on my financial future. Please let me know what steps I need to take to resolve this situation as soon as possible. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax on XX/XX/2021, to have my credit score reported in my credit report. I am using XXXX as my credit monitoring provider and I just recently pulled up my credit report for this month only to find out that the problem still hasn't resolved. My score in Equifax and all the accounts that I am supposed to see are missing. 

I just wanted to see what's on my credit report.
Product: Debt collection

I am being sued by a company ( XXXX XXXX XXXX that is not a registered entity in my state of AZ. The XXXXXXXX XXXX XXXX filed a claim stating the original creditor was XXXX which is false, misleading and hampered the defendants ability to file an accurate answer defense response to the complaint. There is also an Arbitration agreement with the original creditor Continental Finance that states any claim that arises out of or in any way relates to the Agreement, your Account, or this Provision ( the Claim ( s ) ) shall be resolved exclusively by binding bilateral arbitration in accord with the following : a ) This Provision is contained in a contract evidencing interstate commerce and is governed by the Federal Arbitration Act, 9 U.S.C. Sections 1-16.
Product: Checking or savings account

I was unaware of Consumer Finance Protection Bureau. The Tennessee Division of Consumer Affairs has been helping me resolve an issue with BB & T Bank. BB & T had the {$5.00} a month promotion going. So I opened an account with BB & T and I called them to make sure that I was opted out of overdraft. Then I got charged an Overdraft Fee anyway. So I filed a complaint with the Tennessee Division of Consumer Affairs. BB & T assured me that I was completely opted out of overdraft and that it wouldn't happen again and then I got hit with another overdraft fee and a " returned item fee ''. I am on Social Security XXXX so I don't have the money to be able to pay overdraft fees so if there isnt enough money in the bank then the transaction shouldn't go through. 
BB & T is just making up things to charge me more than the {$5.00} a month that I agreed to pay. BB & T has done nothing to earn this money and they've been told repeatedly by myself and with the Tennessee Division of Consumer Affairs moderating to stop. But, they act like they can just make up new names for things to steal money from me. 
I don't actually know what overdrafted and what item was returned because even at the time of this posting BB & T has not disclosed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to resolve this with the agency and was advised to do what I need to do. 

They posted this account all XXXX with the incorrect date which even if corrected is still in violation of the FCRA as it impacted a credit decision. The XXXX are also in violation of FCRA for recklessly reporting this account. 

The agency is attempting to re-age a debt that if in fact is mine is nearly ( 6 ) six years old. 

My initial request was to just have them remove this from the XXXX without seeking damages. I am now requesting that XXXX remove these accounts from XXXX.
Product: Credit card or prepaid card

XXXXCommenity Bank website has been down for almost 2 weeks. I cant log in or make a payment. Ive tried calling in to make a payment and received a message to call back multiple times, a couple times it gives me a menu to be able to make a payment but then it cant process the payment. I have gotten through once and supposedly processed the payment but it hasnt come through my account and when Im able to get through to a menu its not giving that payment information as the last payment and I cant get anyone on the line to talk to in order to see if the payment is going through or not.
Product: Credit card or prepaid card

Capital One charged a False Cash Advance Charge for {$10.00} which was applied to the balance. The reason they claim this was charged was because a payment I made for a loan through a bank with a Credit Card, they 're claiming was a Cash Advance.
This is a fraudulent Fee Allocation because I simply used a Credit Card to pay a bill, not to receive cash or a cash loan. I have discussed this with a Credit Card Attorney, and they 're claiming that you can not allocate Cash Advance Fees for Transactions that took place where no Cash was received by the borrower. If the borrower is not absolving any cash, then such transaction is categorized as a Purchase. Furthermore, the Available Credit on the account appears to be demoted to {$0.00} even when there 's sufficient credit available above {$0.00} as a result of Pending and Posted transactions.
Speaking with some representatives at this company, I am shocked at how some of these people address borrowers. These people are extremely unprofessional and tend to deflect any responsibility for any wrongdoing. If this behavior continues, I will gather a group of members together to file a civil action lawsuit against Capital One for abuse of its authority and wrongful debt allocation. I am not alone in this situation, and luckily I know many people who have the same issues with Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a theral review of my personal credit report they did and when i review after their reviews i see that there is still incorrect information reported in my report that they did not see. 
In accordance with the fair credit reporting act, XXXX account numbers XXXX, XXXX, XXXX, XXXX, XXXX and companies that access my credit report without my XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, safe rent solutions. have violated my rights 15.usc 1681 section 602a sec2 : it also states a consumer reporting agency can not furnish a account without my written instructions, i have been violated
Product: Prepaid card

I have tried to get access to my social security money in my Direct Express account for XXXX year now. Given the runaround. A passport, Social Security card, and XXXX other XXXX  IDs have been provided. They are all valid but they reject every ID but when asked why they are rejected they say, " I dont know ''.. I need them to allow me access to my money ASAP. I am about to become XXXX  and do not have money..
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

They are insisting that I have owed them a loan and that loan they said has never received or send to me. I have been asking them the receipt or copy of the loan but they never send me anything. All I need to know when they send me the loan and who withdraw that loan money and how much was the amount of the loan.
Product: Credit reporting or other personal consumer reports

I received a copy of my most recent credit report and there are inquiry from XXXX XXXX Dealer Services which I did not initiate, request and/or conduct any business with this company. XXXX XXXX Dealer Services dated XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation 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 Balance : XXXX ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6800.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$710.00} ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX CARD Inquired on XX/XX/XXXX.