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

I have a checking account with Flagstar bank. I have been a customer for about 6 or 7 years. I 'm a senior on social security, with a limited income so there often is n't much money in my account. But today I was charged for XXXX overdraft fees of {$36.00} each. The bank manager says he can only reverse XXXX of them. I called he main Flagstar banking support and got the same answer from them. My issue is that I have the Flagstar app on my phone. I check my balance Almost daily. When I checked over the weekend, I saw some " pending " charges that would post on Tuesday XXXX XXXX. The day after the XXXX XXXX holiday. 
So I deposited a check I had for {$150.00} so that those pending things would be covered. Well, it seems that the bank posts those first and so after the first or second pending item, the Overdraft fees kicked in and then of course all the rest of the items were rejected too. If the check had been posted first, there was money to cover everything I had pending. 
The bank refuses to help me with the XXXX overdraft fees is says it ca n't reverse. That 's {$210.00}. But my account is only {$130.00} overdrawn. So obviously it 's their fees that are causing the problem. I understand now, after speaking with them That things post on a certain order. If I had know that before, I had the check that I ultimately deposited yesterday last Friday. I could have deposited it then and avoided all of this. I did n't understand that it would happen like this. 
I 'm a senior. I do n't always understand the rapid electronic way that financial Institutions work now. I acknowledge that this is my error. But I have more than 2 weeks til My next social security check comes and a prescription that I need to fill Today or tomorrow at the latest. I have no way to make up the overdraft fees. The bank tells me not to worry, I have 30 days to " fix '' my account. These fees are about 15 % of my monthly income so just putting the money in the bank when I get my next check solves nothing for me. Then I am unable to pay other expenses or buy groceries next month? Not a solution in my opinion. 
I would appreciate any help you may be able to provide. 
Thank you so much. 

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

Complaint was made to the companies about violating the privacy Fair Credit Reporting Act to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ( XXXX ) XXXX About a fraudulent account opened XX/XX/2018 for {$2500.00}. 
And XXXX XXXX ( XXXX ) XXXX In accordance with the Fair Credit Reporting Act. This account has violated my Federally Protected consumer rights to privacy and confidentiality under 1 In accordance with the Fair Credit Reporting Act. This account has violated my Federally Protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

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 Lao states a consumer reportito communicate with me under the the 15 U.S.C. 1692 C5 U.S.C. 1681.

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 Lao states a consumer reporting agency can not furnish my account without written instructions In accordance with Fair Debt Collection Practices Act. Debt collectors are not allowed ng agency can not furnish my account without written instructions In accordance with Fair Debt Collection Practices Act. Debt collectors are not allowed
Product: Vehicle loan or lease

Ally Financial auto loan the vehicle totaled on XX/XX/XXXX my primary insurance paid them amount of payment was XXXX dollars I had also a gap insurance in the loan for the last XXXX  years and there not wanting to pay off the balance but Ally has been reporting non payments for XXXX and contacted them about the problem about this situation and the words that I have to pay the loan amount what was left owing on the contract I had a XXXX payment on the XXXX that wasnt due until the XXXX of XXXX so my response to them was I wasnt paying a dime to them and still reporting non payments on my credit reports
Product: Checking or savings account

My transactions take about two weeks to complete pending. Ill have transactions pending from the week before, and all of it comes out the few days before Im paid so my account hits the negative. Sometimes I get charged for that. Why do my transactions pend for so long?
Product: Credit reporting or other personal consumer reports

Received an email stating there was money from the experian lawsuit and we could simply get the money from an electronic card. 

Could not get their email to work and my money has not been paid as of today. 

Requested over SIX times to experian for help none was given.
Product: Debt collection

XX/XX/2018 Reference : Formal Complaint against Calvary Portfolio Services, LLC. 

On XX/XX/XXXX I received my Credit Report from XXXX, and in this report appears that the Calvary Portfolio Services, LLC. reported three debt collection accounts against me. 
These the following debt collection accounts that Calvary Portfolio reported against me, at XXXX of my XXXX Credit Report : 1- First Debt Collection Account : {$1200.00} 2. Second Debt Collection Account : {$1600.00} 3. Third Debt Collection Account : {$980.00} On XX/XX/2018 I sent a certified mail with service return to : CALVARY PORTFOLIO SERVICES , LLC, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX NY XXXX, to dispute these debt collection accounts, but this company never sent me the copies of the information that I requested : The last statement of my last payment to the original creditors for all debt collections accounts. This important to determinate the Statue Limitations for these debt collections, also because I initiated these accounts some years ago in XXXX, Florida, and the Statue of Limitations in Florida is 5 years. 
Also, because a Law Firm XXXX XXXX XXXX sent me a letter to force me to pay a debt collection account of XXXX, XXXX, {$1200.00}. 
But, I called XXXX, XXXX, and they informed me that I don't have any pending account in their system, and I gave them twice my social security, but for this document they can't find any pending debt for my name and last name. The problem is that credit account is not mine. 
I request an investigation against this company, because they informed inaccurate information for the XXXX  company, and this information affects my credit activities and employment activities. I consider this action as defamation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not try to open an account with XXXX XXXX XXXX XXXX XXXX in XXXX. I had XXXX years ago. My identity was stolen in the process of me moving. My photo ID 's, social security cards and much more went missing. I have sent over numerous letters to this creditor along with police reports and report numbers and they refuse to remove the inquiry. I have a copy of the report slip before the numbers generated. The report number is XXXX. I live in XXXX where they do not give out paper reports and the number should be sufficient enough. This inquiry was not me and I would like it removed off of my report ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I called Experian spoke with XXXX in the consumer affairs department. To have student loans removed under Chapter 41 Title 15 UDC 1681b. Also have XXXX XXXX XXXX, XXXX  XXXX, XXXX  XXXX, XXXX XXXX, XXXX, XXXX Experian is violating and denying me of my federal protected rights and will not allow me to dispute.Nor have they provided me with the audit trail of how they verified these alleged debts.A direct violation of Title 15 USC1681 ( i )
Product: Bank account or service

I LIVE IN A BANK OWNED HOUSE. I WANT TO BUY IT. BANK HAS NOT acknowledge or help me. In Me buy it.THE HOUSE I LIVE IS SOON GON NA SELL.I WANT TO BUY IT
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XXXX fraudulently posted incorrect credit reporting to all 3 major credit bureaus stating my XX/XX/2018 payment was late causing my credit score to drop 83 points! I have contacted XXXX ovet 20 times and they have assured me this issue has been resolved which it has not been. I have never been late on my mortgage payments. this is an error on their part which has caused a huge negative impact on my credit.
Product: Credit reporting or other personal consumer reports

15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX, XXXX, and Transunion have willfully allowed " XXXX XXXX XXXX XXXX '' the furnisher to furnish evidence of transactions in the 'Payment History ' section that are simply not allowed under the law above. XXXX, XXXX, and Transunion have violated 15 USC 1681a 2 ( A ) ( i ). If you feel you have not violated this law please provide the law that clearly and concisely states a Consumer Reporting Agency has the right to report Transaction History Between a creditor and a consumer.
Product: Credit reporting or other personal consumer reports

- 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX XXXX and this is your **final and non-negotiable** demand to **immediately** delete all inaccurate information from my credit report. Your actions are not only a blatant violation of federal law, but they are also an intolerable assault on my rights as a consumer.

**Pursuant to 15 U.S.C. 1681b**, you are illegally reporting and sharing my personal information without my explicit authorization.

**You do not have my consent, and you have never had my consent** to access or report any information tied to my name. Your unlawful actions are an egregious breach of federal law, and I will no longer tolerate it.Additionally, my credit report contains **unauthorized inquiries** that I did not initiate, which makes me a **victim of identity theft**.

**Under 18 U.S.C . 8**, I owe **absolutely no debt** to the companies listed. Your failure to delete these inaccuracies immediately will result in **severe legal consequences**. I will **not hesitate** to pursue every available legal avenue to hold you accountable, including but not limited to : 1. Filing formal complaints with the **Federal Trade Commission ( FTC ) ** and the **Consumer Financial Protection Bureau ( CFPB ) **.

2. Initiating civil lawsuits for violations of my rights under the **Fair Credit Reporting Act ( FCRA ) **.

3. Seeking **statutory and punitive damages** for your gross negligence and failure to comply with federal law.

You are hereby notified that you have **no further opportunity** to delay or ignore this matter. I **demand** that all incorrect entries and unauthorized inquiries be deleted **immediately** and **permanently**. This is your **final warning**, and I expect **written confirmation** of the deletions without delay.If I do not receive confirmation of the deletions within the next XXXX business days, I will proceed with full legal action, which will result in **significant consequences** for your continued disregard of federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered some inaccurate information in my credit report after looking into it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) impose a requirement on the 3 credit bureaus to verify the items. ( A ). The reported itemscannot be treated as unreliable information if no proof is provided within the legal time frame. 

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, credit repair services, or other personal consumer reports

It has been a battle going through all these and I am submitting this CFPB complaint requesting to the Credit Reporting Agencies to delete the disputed Fraudulent accounts and information completely from my Credit File. This is my 2nd attempt to inform that I was a victim of identity theft and that the accounts I am disputing were the results of such crime. I previously asked to the Credit Bureaus to remove the the disputed items to correct my Credit File and send me copies of proof of verification if the Credit Bureaus claim that the disputed items belong to me. However, the Credit Bureaus have failed to send me copies of documents I asked from them. I also sent dispute letters to the Credit Bureaus attached with complete documents of proof of identity and Identity Theft Report I received from the FTC. I am submitting this CFPB Complaint to follow up the previous CFPB complaint I submitted and request that the Credit reporting Agencies to remove the disputed items before I am forced to take legal actions. Once again, please remove the following items completely from my Credit File : XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have been trying to communicate with them about my property taxes not having been paid with my escrow money and they then sent me a notification that the bill had been paid and it still has not been paid according to the county website 3 months after the due date.
Product: Checking or savings account

On XX/XX/XXXX, I opened an account with XXXX XXXX which is part of Popular Bank, member FDIC. Between early XX/XX/XXXX and mid XX/XX/XXXX, I kept adding funds from other bank accounts. As of today, the account contains close to {$500000.00}. On XX/XX/XXXX, I went online and tried to withdraw {$2000.00} from the account. The system gave me an error message, asking me to call the bank 's customer service. I called customer service and was told that the account was blocked pending " original funds verification ''. Popular Bank never told me that they had blocked my account and that they needed additional information from me. According to the phone representative, they just wait until customers try to withdraw funds before they tell their customers that there's an issue. 
I was asked to email a statement from the bank which originally funded the account at XXXX XXXX to Popular 's fraud department. I did this yesterday afternoon ( XX/XX/XXXX ). This afternoon ( XX/XX/XXXX ) I tried again, unsuccessfully, to withdraw {$2000.00} from the account. I called customer service again and was told that the account is still blocked. The service representative couldn't give me a status update. When I asked to speak with a supervisor I was told that that supervisors are not available and that " someone '' will call me back in 1-2 business days.
Product: Credit card or prepaid card

I had opened a credit card account with Macy 's in XX/XX/2022 along with an in-store purchase of {$180.00} from Macy 's XXXX XXXX XXXX XXXX XXXX 

I never received a physical card to allow me to setup a payment account to pay the balance. I tried calling Macy 's customer care rep ; however, I would be asked to give a credit card account number to access information about myself ( which I didn't have ). 

I got a call from collections agency in last week of XX/XX/2022 asking to pay {$1800.00} on my acount. At this point, I did not have a credit card in hand, no statement, no emails, no texts from Macy 's about my card usage. I asked where was this charge coming from and why didn't I receive any emails/texts and the transactions. WhatI was told is that someone could've used my card and had " OPTED OUT '' from emails and texts. 

WHY would I do that to my own credit card amount? I have multiple cards with different accounts and I have not missed a single payment so far. 

I have called Macy 's customer care rep to file a complaints for incorrect/fraudulent charges, provide me with a statement of charges, send me a credit card. I can not still see any statement issued on my online account and the only thing I see is the outstanding amount. 

I have called and failed a complaint with Macy 's 3 times in XXXX, 2 times in XXXX, 3 times in XXXX and minimum of 3-4 times in XXXX and XXXX. Every time I called, I hear that you have not filed a complaint so far and they file a new complain and ask me to wait 2-3 billing cycle to get a resolution. This has affected my credit score, caused me to making several calls to macy 's amex and the store owners and inability to get out a personal loan for myself. 

I sincerely request to get help with this issue. The outstanding balance today is at {$1800.00} dollars and I have paid my {$230.00} towards my original balance of {$180.00} with late payment fees even when they had not issued the card and were in the middle of an investigation that has been going on for 6+ months. 

i feel like I am being scammed by someone and there's no support from the company. This has started to stress me out with my mental health being affected by this constant chase of non-fruitful calls. 

Any hep would be really appreciated!!
Product: Checking or savings account

Hello, so my account has been on hold for a good two years. I received a letter from navy federal stating my funds will be released and all will be available XXXX my account is on hold nor will they close the account or withdraw the money theyve been very unprofessional a banker told me she seen a check bounce after 5 years. My account is earning dividends I get a billing statement every month
Product: Credit reporting or other personal consumer reports

I have marvelous been improving my credit score over XXXX  past in six months, only to find out that I have been screaming to remove XXXXXXXX XXXX  vehicle loan on a XXXX XXXX XXXX, from a head-on accident in XXXX, no fault of minesXXXX XXXX XXXX paid out covering me till defendant paid! But, Gap company breached contract never paid, but XXXX contacted me for a settlement program followed my half-payment as settled but, never mailed me out the 1099-C form for my taxes, they have recorded but has denied me access for some time, violating my rights! I'm requesting a full deletion of the charge off, removed from the following : XXXX, XXXX, Equifax, XXXX XXXX XXXX XXXX XXXX  and XXXX and requesting compensation for all the high interest rates of 26 % and principal balances plus 2 cars XXXX XXXXXXXX XXXX, XXXX that broke down in 6months ( stoped running ) and 2nd vehicles XXXX XXXX XXXX, same thg ( discontinued in the USA ) brokes down daily as a result of the charge-off causing me heartache, headache and definitely lose of income struggling to pay bills. I have spent hours on the phone w XXXXXXXX XXXX  esp this pass Monday XX/XX/XXXX while a the dealership trying to purchase a new car again within the last 2yrs, as a result of higher interest rates and lower credit score @ I have the internal setup within the XXXX banking System causes lazy employees not to serve the general public in a way that helps to be successful! Several ppl, working on their Credit Specialty team, XXXX XXXX XXXX, Total Loss team, Bankruptcy team, they love transfer my calls around and around in circles.
Product: Vehicle loan or lease

I am XXXX XXXX, natural person/Consumer in fact and I have been denied a line of credit for a automobile loan with Chase bank XXXX I applied along with my spouse XXXX XXXX to upgrade our current vehicle to a larger vehicle. the denied of credit is considered an " adverse action '' pursuant to 15 USC 1681a ( k ) ( 1 ) which is a violation of my federally protected consumer rights. The term credit means " the RIGHT granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment '' pursuant to 15 USC 1602f. Chase has denied me my RIGHT and also made an inquiry on my consumer report that lowered my overal credit rating without providing an actual line of credit I have a right to, thus creating an adverse action.
Product: Money transfer, virtual currency, or money service

I have verified my Cash App mobile account by providing the last four digits of my SSN, a full picture of my driver 's license, and even a picture of myself to Cash App. However, now Cash App is claiming that I must allow it access to my contacts to verify my identity. This request is a blatant violation of my privacy rights as an individual and a consumer. There is no reason Cash App would want this information other than to profit from it. I am absolutely willing to easily verify my account by providing additional information, but requesting to sync to my mobile phone 's contacts is completely inappropriate and fraudulent. This is wrong and Cash App should never ask for this information.
Product: Checking or savings account

Around XX/XX/year> ( i dont remember the date ) I was at the XXXX XXXX XXXX XXXXXXXX having a mammoth done I remember whatever month that it happened it was on the 3rd cause I had just got paid my bank atm card is always hooked up to my XXXX incase i have to send one of my kids money in a hurry this day I left the XXXX XXXX got in my car and looked at my phone to see if I had any missed calls or text I saw a message saying that I was able to get an {$8000.00} loan i didnt trust it so I called them they sounded like XXXX so I looked in my bank account to see How much was in my account {$1000.00} was taken placed on to my XXXX using my debit card then switched to their cashapp i contacted navy federal credit union right away they told me that the people also tried to put a fake check into my account so they took the check out so now navy federal credit union says i owe them {$2200.00} something like that but i didnt scam myself so I dont know what more I can do it like they didnt even look into it and I sent them everything I had to prove my innocence
Product: Checking or savings account

They told me that they wouldn't refund the money and that I had to prove that I tried to resolve it. So I did prove that I had tied. I found the company in California. I also found that my phone number had been changed on my account. They did nothing for 3 weeks and XXXX customer service sent me an email. They would refund {$46.00} but not the {$1200.00} to a company in California
Product: Credit reporting

On XXXX XXXX, 2016 I found that there was an account for XXXX on my TransUnion credit report. I sent a certified letter on XXXX XXXX, 2016 to the address listed on my credit report. It came back as undeliverable. I then contacted TransUnion multiple times via phone and I also faxed them a copy of the mail I received back on XXXX XXXX, 2016 along with a letter asking for the negative account to be removed from my report due to inaccurate reporting. I was hung up on, told that they would contact the creditor but not delete the innacurate account and not transferred to the supervisor upon asking several times. 

Per the FCRA, this innacurate account needs to be removed.