23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 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 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 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: Mortgage

I paid the law firm of XXXX Over {$4000.00} to represent me with my Lender Seterus for a Loan Modification this started in XX/XX/XXXX. For the last 3-4 months there has very little if any communication I have not received any written info It has all been verbal with promises that we will call you back which does not happen ..I then read that this company is a fraud .Seterus will not talk to me as they say you have a attorney
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a secured card with XXXX XXXX which I funded the card with the balance which was {$200.00}. I never used the card, which was why i was startled to see XXXX late payments and a balance of {$150.00}. 

Come to find out the company stated the balance and charges came from an annual fee which was due in XXXX for {$29.00}. I was never made aware of the annual fee 's at all. Regardless late payments are a result of a consumer obligation to pay on an extension of credit. In this case the extension of credit would pertain to the secured credit card. There was no balance, the card was never used. To report a late payment for an annual fee is a violation of the FCRA and inaccurate. 

My credit worthiness has nothing to do with a hidden annual fee, this account needs to be removed immediately. Account name XXXX XXXX XXXX XXXX Acccount number, XXXX. 

Also to reiterate even if there was an annual fee, I had a balance of {$200.00} with the company the they could have easily taken {$29.00} out of the account to satisfy the annual fee. They didn't do that they closed my account and put XXXX late payments for an annual fee. this is illegal. 

Also you as a furnisher have a duty to thoroughly investigate which I am giving you time to do now, in addition you have a obligation that once you are aware of inaccurate information being reported you are required to remove them. I have made you aware of the innacuracies and I will also attach the company letter admitting the balance and late payments derived from annual fee and not the credit card itself.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is refusing to adhere to According to the Fair Credit Reporting Act ( FCRA ), a credit bureau must block the reporting of any information resulting from an alleged identity theft. I submitted a complete Identity Theft Package and the credit bureau is only willing to dispute the fraud account which wont lead to no where.
Product: Credit reporting or other personal consumer reports

My personal information was used by someone else to obtain credit from these different companies. I've sent out multiple dispute letters to each credit bureau, dating back to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Equifax for conducting sham investigations and failing to comply with the Fair Credit Reporting Act ( FCRA ), specifically Section 609 ( a ) ( 1 ) ( A ). Despite numerous disputes and requests for verification, Equifax has failed to provide me with the necessary documentation to verify the accuracy of the information on my credit report. I have attached copies of my disputes, which were sent to Equifax on the following dates : - XX/XX/XXXX ( XX/XX/XXXX incorrect names & addresses ) - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX In each of these disputes, I requested verification of the information on my credit report, as required by Section 609 ( a ) ( 1 ) ( A ) of the FCRA. However, Equifax failed to provide me with the requested documentation and instead conducted sham investigations that failed to verify the accuracy of the information. Equifax 's actions are a clear violation of the FCRA and my rights as a consumer. Furthermore, I have discovered that Equifax has been taking retaliatory actions against me for disputing the accuracy of the information on my credit report. Specifically, Equifax has been changing the dates of delinquencies to make them appear more recent, and adding additional delinquencies to my credit report as a form of punishment for disputing. This is a clear violation of the FCRA and my rights as a consumer. I believe that these actions are intended to intimidate and coerce me into abandoning my disputes and accepting the inaccurate information on my credit report.
Product: Credit reporting

there are collection charges through the state of wisconsin under my account which I am not aware of or is not viewable through the state 's CCap program. I have been receiving numerous collection papers via mail for accounts that are being collected which I am not aware of. This information can be viewed on experian and XXXX
Product: Checking or savings account

Even after the class action settlement, 5/3 bank is still participating in reordering of funds in order to maximize overdraft charges. On multiple separate occasions, I have been charged overdraft fees improperly! The two that I can recall occurring most recently are, XX/XX/XXXX, and XX/XX/XXXX. I have direct deposit from my employer going into my 5/3 account. According to the representatives that I spoke with, in both scenarios, my direct deposits were pending at XXXX. At the same day and time, charges began to pend on my account. Instead of releasing my direct deposit, 5/3 has continuously delayed this in an effort to charge overdraft fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX Usaa had an error for many users in its auto pay system. They told this directly to me. My payment was not collected and I was not notified about the missing payment. Typically I would be emailed a statement and then called several times before a 30 day period had passed. there system however never showed the payment as missed. The only reason I realized the payment had not been made was due to my credit score dropping about 150 points due to the 30 day late payment they reported to the credit bureaus. I immediately called and made my payment but even then they did not see the missed payment flagged and I had at that point already auto paid two other months. They offered to pay my late fees which they then realized didn't exist because the system never processed the missed payment as missed and then told me I needed to file a dispute with the credit bureaus in order to clear my late payment history and restore my good credit. I did this and waited the 30 days. They sent me a letter about 35 days later telling me they denied my request so I called them, the average hold time is about 40 - 120 min. The agent I called on the first second a third times over the next two weeks all told me that Usaa had indeed sided with me in the dispute and that my credit report should return to normal. Two days ago I called again on XX/XX/2021 because my consumer report that they told me to order to prove that my score would go back to normal still showed the late payment. I pushed hard with the agent I got and was able to escalate to an advanced soultions team who were able to verify that the letter they has sent me was indeed the ruling that usaa had made and that he wasnt sure why the other agents had told me otherwise and that he didnt know and couldn't find out why Usaa had ruled that way and that all I could do was file the same dispute again. I spent more than 14 hours of time on HOLD trying to talk to Usaa just trying to figure out what was going on and there is no other recourse other than this report.
Product: Checking or savings account

Hello : Once SunTrust merged and became Truist I began receiving overdraft fees in abundance. On XX/XX/22 I contacted Truist and told the Customer Service agent that their Available Balance info was not being properly updated to include ALL transactions, holds and pending items, despite Truist having a note next to the available balance that reads : " Your available balance is the money currently available to make purchases, withdrawals, and payments. This balance is updated throughout the day with the transactions you make, including pending transactions and holds. It does not include bill pay checks or checks you've written or deposited that have not yet posted. This balance is used in making payment decisions and triggering overdraft fees if applicable. '' Despite that statement, I would later be charged overdraft fees for items listed in " XXXX XXXX Transactions '' as pending transactions when balance available above does not show a negative balance. I have screenshots and phone recordings with the bank. There is no way I should be charged an overdraft fee for a charge that's listed as pending when according to Truist 's statement right next to my available balance, that pending transaction would have been included in my available balance above. Therefore, as soon as that transaction is pending my available balance should've been negative. Yet my balance never showed negative for this transaction. In fact, I received a bank notification at XXXXXXXX XXXX stating my balance was {$19.00}, then at XXXXXXXX XXXX I received a text saying my account was negative {$14.00}. Then at XXXX I checked my account to find it's negative {$42.00}. 

I was also charged overdraft fees on XX/XX/22, XX/XX/22, and XX/XX/22. I truly believe Truist is not accurately reflecting all transactions, holds, and pending transactions in customer available balances. I do not write checks, so that is not applicable to me. These frequent overdrafts make me look financially irresponsible when I am not. I pay my bills early or on time and keep a running budget of expenses, spending, and bill due dates. This should not be happening and I want to close my account with Truist and go to another bank. Myself and many of their customers feel they are crooks. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I checked customer complaints online and on XXXX and found many customers have been receiving constant XXXX fees since SunTrust became Truist. I think they are being dishonest in the way they post customer available balances in order to charge overdraft fees. I have screenshots and dates that I'd like to provide. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account below is paid in full but showing a balance. 

XXXX XXXX Last reported : XXXX XXXX, XXXX - {$39000.00} Good EDUCATIONAL XXXX Last reported : XXXX XXXX, XXXX - {$52000.00} Good
Product: Checking or savings account

On XX/XX/XXXX I deposited a 0 % interest 12 months convenience check for {$15000.00} from XXXX XXXX  into a newly open checking account with Truist bank at XXXX XXXX XXXX XXXX XXXX in XXXX, West Virginia. When I deposited it at the bank, they said because the check was so over {$10000.00} that they would have to hold it for seven days and I said that would be fine. After seven days I saw it on my mobile Truist bank account. I then received a letter from Truist bank dated XX/XX/XXXX stating that they closed my checking account For potential check fraud, and that my check that I deposited would have to be researched. I first tried to fix the issue in person at the Truist Bank but they were not able to help me and told me they could hold my funds indefinitely. I have called their fraud resolution department 2-3 times per week since that date and sent them emails on XX/XX/XXXX and XX/XX/XXXX with statements from my XXXX XXXX showing them that I have a true liability for {$15000.00} owed to cXXXX XXXX XXXX XXXX it was a valid check. I am currently paying monthly payments to XXXX XXXX  on the $ XXXX loan without having access to the money STILL being held by Truist bank fraud resolution department almost 6 weeks later. I am at my wits end with no resolution to receive my money. I am never able to speak to anyone that can truly help me when I call. I hear the same thing every time I call.that they are making notes on my case ID number and thats it. At this point, Truist bank is fraudulent in holding my money that is legitimately mine and taking advantage of a consumer. I need help please!!!! I feel completely powerless.
Product: Debt collection

Adverse debt reported to XXXX in the amount of {$150.00}. Contacted XXXX at XXXX XXXX and XXXX XXXX ( listed on XXXX Report page of which is attached ). This account dates to XX/XX/XXXX from an Emergency Room Doctor named XXXX XXXX ( no clue who she is ) at XXXX XXXX in XXXX, Ohio. XXXX part of the XXXX billed insurance and subsequently billed me for what Insurance did n't pay. Account was then turned over for non pay to a XXXX XXXX who never contacted me ( phone number has been the same since XX/XX/XXXX ) and finally was purchased by the aforementioned company. I requested of XXXX a copy of the original debt and explained that I have not lived in XXXX for SEVEN YEARS and would never allow a medical debt to go into collection. This is beyond belief that this company can place collection activity on my account as the XXXX Company ... simply blackmail to get me to pay a debt I may or may not owe. To reconstruct medical records from an insurance company I not longer have would prove impossible and beside the fact that what is billed and co pays requried by subscriber are usually XXXX. This item needs to be removed from my XXXX Report and these companies need to be put out of business.
Product: Credit reporting

A review of my credit report has identified a public record dated XXXX/XXXX/XXXX. This public record is a civil judgment regarding a bad debt to a credit card issuer. While the original trade-line has been deleted and replaced with the judgment, the original Date of First Delinquency was XXXX XXXX. It is due to be deleted in XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

Applied for a line of credit with Headway Capital late XXXX, provided bank records they needed. Once we were approved for a XXXX loan they called to make the transaction over the phone. Terms we discusssed on the recording were different that what was online when we repaid within 30 days. They agreed to waive the 2 % draw fee. Have asked the President XXXX XXXX who ran the call and provided the loan to provide the voice recording on the day where we discussed the terms. That was 3 weeks ago and they have still not resolved the difference in fees than what was presented on the call vs. the contract online. I'm tired of hearing someone will reach out to you when no one does. If you are considering a loan with them, get everything in writing or the voice recording before you are pressured to sign over the phone. 

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

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX bank XXXX XXXX Account # XXXX bank XXXX XXXX Account # XXXX Account # XXXX Account # 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 an account without my written instructions. 

I advised the dealership to refinance my loan because the payments were too high. After being informed i was not eligible to do so. I sundered the vehicle to the dealership along with the keys.
Product: Student loan

I have contacted Wells Fargo by telephone regarding the excessive interest and finance charges of my loans multiple times over the past few years. I have asked that my wife is on as contact as I work long hours and asked that she be permitted to discuss all pertinent details to no avail. I get the runaround everytime XXXX talk to someone from Wells Fargo. Going back to XXXX, financing {$3000.00} had a finance charge of XXXX, and capitalized interest of XXXX with an APR of 5.232 % interim and 5.5 after repayment. A federally subsidized loan at 3.370 %, estimated balance of XXXX and interest during repayment estimated at {$420.00} on a XX/XX/XXXX statement. XX/XX/XXXX statement has the loan at 6.75 %, finance charge of XXXX, financing amount {$2000.00}, capitalized interest of XXXX payments being XXXX for 47 payments. A few months later, XX/XX/XXXX XXXX the same note- has an APR of 7.25 %, finance charge of XXXX, amount financed of XXXX XXXX XXXX borrowed, XXXX capitalized interest ), bringing the total to XXXX and payments being XXXX for 47 payments. A statement from XX/XX/XXXX shows a total of XXXX principal balance. A disclosure sent XX/XX/XXXX shows the federally subsidized loan from XX/XX/XXXX at 2.470 % unpaid balance at XXXX and interest capitalization to be {$13.00} plus additional interest of {$190.00} to have a total paid of XXXX with 62 payments of {$50.00}. This is entirely confusing. Different dates, interest rates, capitalized interest number and amount of payments changing. Then we have the large amount, the {$12000.00} note taken XX/XX/XXXX. The finance charge was {$6400.00}, interest capitalization of {$3100.00} for an APY of 5 %. This is excessive charges. We have faithfully paid amounts on this loan with an auto pay after a hiccup in payments in the first few months of repayment. No notice was sent or emailed and another change of terms with an increase of payment required was demanded and resulted in a non paid full balance and a late fee assessed. My wife contacted Wells Fargo, ( who then again did not have it on file that she could discuss matters with them, so I had to again give them permission ) and was able to have the fee reversed and set up auto pay through their website. Point is, that we have paid this faithfully for almost 10 years and the charges are excessive, their lending practices difficult to follow and their communication is lacking and unclear. When we tried to resolve issues at the branch levels it was met with increased frustrations. We decided to close our checking accounts and just work on paying off the loans. I understand that I wanted to have an education and part of this is the cost of doing business and paying for that education. I also feel that there should have been caps in place for the finance charges. I haven't seen any other loans that come with an over 50 % finance charge, Interest capitalization, and interest charges on those charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have several email correspondence about this matter. we have several calls as well regarding the call 's, text, and request to pick up the car and they've yet to pick up the car, provide the title for the car, give any information regarding the next step of the process and this is driving me crazy. I am XXXX  in the military and as I serve my country this is the last thing I need is to be dealing with this mess. We have done all we can to get this matter handled and they are penalizing me credit-wise, refuse after several made appointments to pick up the vehicle and I can't keep trying to handle this matter on my own.
Product: Vehicle loan or lease

I currently have a vehicle loan with One Main Financial Account # XXXX. As of XX/XX/XXXX I was paid ahead on my car loan up until XXXX of XXXX. 

On XX/XX/XXXX I was in a car accident and the insurance company deemed the car a total loss as of XX/XX/XXXX. 

One main financial will not accept payment from the insurance company for now going on over five months. 

I was told by One Main Financial they failed to obtain the title of the vehicle upon origination of the loan. This was due to their clerical error of not ensuring all documentation was completed during originations, and they continued on-boarding the loan. They finally sent the documentation to me to have notarized in XXXX and submitted to obtain the title from the DMV as of XX/XX/XXXX. 

They're failure to correctly originate my loan has caused me a huge amount of harm. 

I have been advised I will still be charged the all the interest for this time being at the XXXX because it depends on when the insurance company submits the payment in which they refused to take due to their error. 

During this last five months I have occurred more expenses as well not just having to pay the payment to One main financial for a car that is totaled when they have refused payment but also for using a rental car and the use of ride share fees.
Product: Credit card or prepaid card

I upgraded a card I had with Amex and was offered XXXX American Express rewards points after spending {$10000.00}. I upgrade the card and a few hours later, I chatted with Amex rep via their chat feature to confirm that my upgrade is completed. I was provided confirmation that I can start making the required spending as early as a few hours before the chat and that it would count towards my spending requirement. Later that day I made a purchase for {$10000.00}. I have now checked back with Amex via chat over XXXX times, where agents were confused about this, so this went to escalation XXXX times and I received confirmation multiple times via chat that I completed promotional offer requirements and that my bonus points will post no later than XXXX weeks. It has now been over XXXX weeks. I keep chatting with Amex, and they keep saying that their team is closing the case by mistake and that I am due by bonus offer of XXXX point and they will resend to the team to get the points posted. This happened XXXX XXXX already. The agents even provided time stamps to show that team that they are denying by mistake, but the team is negligent and is not reviewing information and time stamps or the chat records. Amex is now more than 30 days out of compliance for what they owe to me and I have escalated to managers which all promised that I will receive my offer soon. 

I have records of this chat. Please help raise this to a responsible individual so they can train their teams better to actually read and review information their chat agents provide.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XX/XX/year>XXXX XXXX Date of Inquiry XX/XX/year>XXXX XXXX  Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXXXXXX XXXX Date of Inquiry XX/XX/year>XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>XXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/year> & XXXX XXXX XXXX Date of Inquiry XX/XX/year>