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

A few months ago, I was suddenly hit with an overdraft fee, from usaa. This was new as I had never signed up for overdraft, and if something came in towards the end of the month, it was sent back ( like say, XXXX, and it just sends you a reminder to update your payment method ). Suddenly I was hit with a XXXX XXXX overdraft fee. I complained and was told that whether or not I was enrolled, the overdraft would still be charged. I made complaints to the Texas AG, and the SEC. The next month, the account had gone back to if something came through before my compensation hit, it would just get declined. I thought nothing of it. Until tonight. Earlier this month I had planned to go to Hawaii and meet my fiance 's parents. I only have compensation so I watch my spending very carefully. As a precaution, I transferred {$400.00} from another account, before I purchased two economy tickets back. When we both returned, I transferred back {$100.00} to the account I had transferred the {$400.00} from, leaving {$60.00} to eat off of for the rest of XXXX. I had under {$3.00} in my checking account. I received an email stating that my spectrum mobile was paid and after investigating, found that USAA had overdrafted my account. So I called them, and after they tried to confuse me by saying that " I had purchased two tickets and that is when the overdraft started '' and I informed them that I had {$600.00} in there before the purchase and had transferred {$400.00} just in case, before the purchase, to make sure it went through, because my fiance and I had wanted our seats together, I didn't want the charge not to go through. So after a long wait, the associate returned to the phone and said " I was instructed to tell you this ... USAA is not responsible for the purchases on your account, unless you want to dispute the charge, and if you do not wish to dispute the charge, I am to end the phone call. '' I wished her a XXXX XXXX and hung up.
Product: Mortgage

This complaint is in regards submitted XX/XX/2023 # XXXX. Their responded case is closed even unfair practices they done to my mortgage. They pocketed the {$2100.00} no where posted on their ledger even copies of proofs was submitted. So they will do it again and again in all VA mortgages they solicit to their company in any states. 
Even the mortgage is closed records do exist on file.
Product: Checking or savings account

Between XXXX and XXXX of XX/XX/XXXX, the XXXX accounts I had with Wellsfargo were closed supposedly because I was living abroad ( XXXX ). 
Between all XXXX accounts, I had circa XXXX XXXX 

( XXXX ) While being in XXXX, the Wellsfargo customer service reps continuously told me that the only way to transfer the funds was through a cashier check, which I was unable to cash out because I was not living in the XXXX, or through a wire transfer, which to proceed a notarized XXXX  XXXX needed to be signed off by the account owner. After I requested the alpha XXXX to be mailed out from XXXX to XXXX twice, and never received it, I decided to plan a trip to the XXXX to solve this issue. 

In XX/XX/XXXX, I traveled to XXXX and went to a Wellsfargo branch next to the airport. The banker who assisted me told me he was not able to find the XXXX closed accounts on the system, he only managed to find XXXX of them which had a total sum of XXXX XXXX Which meant that the XXXX other accounts that had the rest of the money ( XXXX $ ) were missing. 


After the trip from XXXX, I had been making international calls to Wellsfargo practically on a daily basis, and every time I call they manage to find another excuse to postpone the case : XXXX. After a week of phone calls they were able to identify the missing accounts, they said that junior bankers didnt had access to request that information. 

XXXX. A case investigation was opened on the last week of XX/XX/XXXX, and was supposed to close on XX/XX/XXXX. Afterwards the case got postponed again to XX/XX/XXXX because they keep searching for information which they cant disclose. 

I really need my money back as soon as possible and I am tired of waiting. I am prepared to take this to legal action. My lawyer advised me to take this step first. I would kindly request your support. 

Best regards.
Product: Credit reporting or other personal consumer reports

I did not authorize any of these inquiries : XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Television & Radio XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Credit Unions XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXXXXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + All Banks XXXX Inquiry : XXXX XXXX, XXXX + All Banks ( XXXX ) XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + All Banks ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. 
ACCOUNTS : 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
Product: Credit reporting or other personal consumer reports

Experian closed XXXX complaints yestday and starts today at XXXX closing complaints all complaints closed did NOT address any issues but once again give ridiculous explanations that have absolutely nothing to do with the problem
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX account # XXXX XXXXXXXX XXXX XXXXXXXX account # XXXX XXXX account # XXXX XXXX XXXX XXXX account # 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 a account without my written instructions
Product: Credit card or prepaid card

After having closed an account with Synchrony Bank, they have enabled, aided, and abetted fraudsters to open an additional account using my identity and Social Security number.
Product: Debt collection

XXXX XXXX continuously sends me bills in the mail saying I owe {$800.00} from a paypal credit line to which I have never had. I have already told them on the phone this is not from me and to stop contacting me but they continue to send bills multiple times a month. I have never had a paypal credit line and you dont even have my correct name on the bill.
Product: Credit card

American Express is stalking me on social media and calling my friends and family members to collect a debt I owe them. I have explained our situation, and am paying them slowly, but they continue to harass my friends and family.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous complaints regarding the inaccurate items that appear on my credit report. As I stated before, I am deeply concerned about the presence of unrecognizable information on my report, and I know it is essential to reiterate the gravity of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I was told by the XXXX, XXXX, Transunion, and XXXX that they have verified a public record on my credit report. XXXX, Transunion, and XXXX all claim to have verified this information with their third-party vendor XXXX who also uses a third-party vendor to verify their information known as XXXX. I recently received information from a dispute with XXXX and they reported that they verified a chapter XXXX bankruptcy filed on XX/XX/2016 and XXXX on XX/XX/2016. The problem is all 3 bureaus have different information but they all reported on the record that they verified this information with XXXX. It is my right to have accurate information about me reported and since it has not been properly done I want the information removed from my credit profile or I will get a lawyer and sue each bureau for placing false inaccurate information on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been really lucky. They have tried to get credit cards under my name. Unfortunately they have not been able to. The reason why is because my credit score dropped so low I have lots of hard inquiries on my credit report and I like those removed All the credit cards they have applies for have been denied
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been getting alerts about hard inquires from someone checking my credit report. I have not recently applied for any type of loans and should not have any hard inquires, Please have these removed. I am a re-occurring victim of identify theft. Please update my report and correct this. 

Equifax -XXXX  XXXX  XX/XX/XXXX,XX/XX/XXXX -XXXX XXXX XX/XX/XXXX, XX/XX/XXXX -XXXX   XXXX XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX -XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX -XXXX   XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX of XXXX  XXXX XX/XX/XXXX -XXXX   XXXX XX/XX/XXXX -XXXX  XXXX  Bank XX/XX/XXXX XXXX -XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX -XXXX XX/XX/XXXX,XX/XX/XXXX XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX , XX/XX/XXXX -XXXX XXXX XX/XX/XXXX, XX/XX/XXXX -XXXX XX/XX/XXXX
Product: Debt collection

Hello I want to file a complaint against Firstsource Advantage llc or XXXX XXXX. I was recently in a car accident and I was in the XXXX  for half a year. Now I'm out and making money again through my XXXX. I was paid yesterday and nobody can tell me where my money went. The balance owed isn't getting smaller either. I just want to know where my money is going or a closing of this account with no further action.
Product: Checking or savings account

I bank with navy federal credit union, i have never had any issues prior to this. around XXXX my telephone, and wallet had been stolen & fraud charges were on my account, I filed a dispute it was denied. i filed an appeal and it was denied due to them saying i reported having my card however all calls are recorded and they found no evidence that i had the card. Nearly $ XXXX was taken from my account. I have provided a police report and was pushed to the back burner. I have lost out on a ton of money due to the funds being taken from me.
Product: Debt collection

When I checked my credit reports as I often do I saw that Lvnv Funding placed a XXXX collection on all three of my reports which is false and untrue. 
When I contacted Lvnv Funding demanding that they provide me with the documentation to validate the debt pursuant to The Fair Debt Collections practices act and the fair credit reporting act they refused to comply within 30 days.
Product: Debt collection

On XX/XX/17, I submitted a complaint through XXXX regarding Credit Protection Association ( CPA ) in TX, which reported a collection on my credit report regarding an account. They agreed to delete it from my credit report and they did. However, last week I received a notification from my credit monitoring that CPA reported another, if not the same account that was deleted a year ago. 

I have not received any notice regarding the collection and I have the right to receive a notice and to be given a chance to validate the debt before Credit Protection Association reported it to the credit bureaus.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Negative Mortgage Report and Disaster Relief Program Miscommunication Consumer Financial Protection Bureau To whom it may concern, I am writing to formally file a complaint regarding the negative reporting on my mortgage payments, which I believe is a result of miscommunication about a disaster relief program I was informed of by XXXX XXXX. I reside in a federally declared disaster zone and was assured by a representative that I qualified for a mortgage relief program designed to help customers like myself. 

Despite following the guidance provided and believing that my mortgage payments were either deferred or paused under this program, I was recently notified that negative reports regarding missed payments have been filed against my credit. This has caused significant distress and affected my financial standing. 

To summarize the events : - Around the beginning of XX/XX/XXXX, shortly after we suffered through Hurricane XXXX, I was informed by XXXX XXXX  that I was eligible for the disaster relief program. 
- I followed the instructions provided to enroll in this program. 
- However, around XX/XX/XXXX, I was notified that my mortgage account was reported delinquent, which contradicts the understanding I had of the programs terms. 

I am requesting that XXXX XXXX  promptly : 1. Remove any negative credit reporting that resulted from this misunderstanding.

2. Provide confirmation that my account is in good standing and that I remain enrolled in any applicable disaster relief programs.

3. Review the communication surrounding the program to ensure no further customers experience this issue. 

I have relevant documents, including communication from XXXX XXXX  or proof of disaster zone status that I can provide if necessary. I would appreciate a prompt resolution to this matter, as it is crucial for my credit and financial stability. 

Please respond to this complaint in writing within reasonable time frame, e.g., 10 business days to confirm the actions taken. 

Thank you for your attention to this matter. I look forward to your prompt resolution. 

Sincerely, XXXX XXXX ---
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 
Dept Of EdXXXX XXXX, Dept Of EdXXXX XXXX , Dept Of EdXXXX XXXX , Dept Of EdXXXX XXXX & Dept Of Ed/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was checking my Credit on the XXXX XXXX and notice some inquiries that I had know idea about.
Product: Credit reporting or other personal consumer reports

XXXX finance companies denied my application on XX/XX/year>. one being XXXX XXXX. 
this cost be XXXX hard inquiry on my credit and {$25000.00} dollars. 

the letter i received from XXXX XXXX  states a credit score of XXXX. 
they used trans union for the credit information. 

I have called TransUnion, requested what information TransUnion provided to the inquiry from XXXX XXXX, specifically what credit score as well ; they could not. 
i asked them for the reason my XXXX score fluctuated XXXX points from XXXX to XXXX, they could not. 
i asked for them to review with my how they derived my score, they could not. 

there is little insight as to how i was denied the financing. 
when discuss the matter i expressed i would like to file a complaint with a Transunion supervisor in conjunction with filing with the CFPB, they hung up on me after this request ; i was on the phone for an hour at that time.
Product: Mortgage

well some time in XXXX I called the mortgage which is wells fargo to ask how much would it be to add taxes and home owner insurance to the mortgage and they said they would check and see and get back with but when they got with me it was a statement with the new payment amount with taxes and insurance added in so they never got back with me to see if I wanted to take it so they added it with out permission and now they are saying they can not remove it and not adding my payments to my account
Product: Debt collection

I keep getting calls from a company called Direct Recovery Services ( XXXX ). They are trying to collect a debt for someone by the name of XXXX XXXX. I have informed this company over and over that this number does not belong to anyone by that name. I have asked them several times to remove my number from that account and to stop harassing me. This company calls multiple times a day and will not stop calling. Again, I am not XXXX XXXX, this isn't my debt. How can I make them stop?
Product: Money transfer, virtual currency, or money service

I am writing this to express my concerns regarding XXXX 's handling of disputes mainly through cancellations of transactions. On XX/XX/year> I received a money transaction through XXXX by this person named XXXX XXXX for {$500.00} and then this person claimed that they didn't do the transaction which blocked my authorization through XXXX by Wells Fargo and I have never used my XXXX since because now my number is unauthorized to use it. This is a repeated offense to the customers of XXXX by people who exploit their system and cause their customers to suffer.
Product: Debt collection

This Medical Bill has Violated the Hippa Violations, I have no contract with you, please remove and delete off my credit report Immediately. This is Fraud and I will contact the Postal Service because I believe you are trying to fraud me out of money!
Product: Mortgage

On XXXX I emailed the company FAYE SERVICING ( XXXX ) This email bounced On XXXX I faxed the payoff request to XXXX Per the instructions on their IVRU ( XXXX ) On XXXX I called in to see where the payoff letter was in the process of being sent and was told that it was scheduled to be sent to me no later than XX/XX/XXXX. I advised that the house was scheduled to be sold on Friday XX/XX/XXXX so it was imperative that I receive it as quickly as possible so the representative said he would put in a RUSH. 
On XX/XX/XXXX I contacted them again and was dismayed that the representative had no notes of a rush and said that they would deliver the payoff by XX/XX/XXXX. 

I asked that they send me the payoff immediately and they said the department that handles those is off and that they would again send a notice that they would RUSH it but would have no way of guaranteeing that the payoff would be sent by Friday. 

Their IVRU issues a Stern Warning that by calling them we acknowledge this is " An Attempt to Collect a Debt '' and yet when a consumer is making an effort to payoff the loan they do not comply with providing the Payoff Letter in a timely fashion. They can not hold my loan XXXX to milk additional interest out of me. They need to provide the payoff letter asap.
Product: Credit reporting or other personal consumer reports

I never gave this creditor my written consent to run my credit therefore it is fraudulent and this is violating permissible purpose and needs to be removed. Remove these fraudulent inquiries from my credit report as there is no permissible purpose.

1. XXXX XXXX Date of inquiry : XX/XX/2022 2. XXXX XXXX XXXX Date of inquiry : XX/XX/2022 3. XXXX XXXX Date of inquiry : XX/XX/2022 4. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 5. XXXX XXXX XXXX Date of inquiry : XX/XX/2022 6. XXXX XXXX XXXX Date of inquiry : XX/XX/2022 7. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 8. XXXX XXXX Date of inquiry : XX/XX/2022 9. XXXX XXXX XXXX Date of inquiry : XX/XX/2022 10. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 11. XXXX XXXX Date of inquiry : XX/XX/2022 12. XXXX XXXX Date of inquiry : XX/XX/2022 13. XXXX XXXX XXXX Date of inquiry : XX/XX/2022.

14. XXXX XXXX Date of inquiry : XX/XX/2022 15. XXXX XXXX XXXX Date of inquiry : XX/XX/2022 16. XXXX Date of inquiry : XX/XX/2022XX/XX/year>
Product: Credit card or prepaid card

Sent credit cards in the mail from XXXX  XXXX, XXXX of XXXX, Discover, XXXX XXXX, and XXXX that I never applied for.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, XXXX are reporting an unverifiable bankruptcy on my credit report. On XX/XX/year>, I spoke with a representative at XXXX and they confirmed I have NO bankruptcy on file. I would like each credit reporting agency to remove this bankruptcy from my report immediately. I have letters from the United States Bankruptcy Court and from PACER that they do not report to credit reporting agencies. There is no way for XXXX, Equifax, XXXX, or XXXX to verify this.
Product: Checking or savings account

I opened checking and savings accounts with Citizens Bank specifically to earn a promotional bonus. Only part of the promotion was credited to my account. Please see attached for more details.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2021, I fell victim to a multi-layered scam operation run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Coinbase account to a fraudulent investment firm.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored of my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX Account number XXXX Notice to agent is notice to principal notice to principal is notice to agent. 
Experian, XXXX you reported alleged transaction that you identified as late is validated. You have no proof that this alleged transaction was late. 
15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date.

20 15 USC 1637 ( b ) is very specific on all required information need or that must be mailed or delivered to the consumer