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

I have {$180.00} in overdraft fees on my account for which I do not understand how BB & T calculated. I know that BB & T is causing delinquency in accounts in order to charge overdraft fees. This is unfair and deceptive!!! I contacted BB & T regarding the overdraft fees assessed to my account on XX/XX/XXXX and explained the problem with the fees that I did not know I had until this morning. The customer service rep at the 1800 number stated that she would escalate my call and someone would contact me in three days. On XX/XX/XXXX, BB & T called and left a message to which I called back and spoke to XXXX. I explained to her that I did not think the fees ( overdraft ) were valid and I wanted to know how the bank came to this calculation. When I logged into online banking my account was in the positive ( see attached ). XXXX proceeded to explain that each night BB & T recalculates balances and what you see on your online banking is in fact not correct. She stated that the bank posts on the site the following : " Daily Posted Balance : The posted balance after nightly processing is completed. Please note that transactions are paid from your Available Balance according to our posting order, and that the Available Balance may be different than your Daily Posted Balance. Important : The Daily Posted Balance does not reflect all pending transactions and fees and should not be used to determine how overdraft fees were assessed. '' So I asked how would I know ( the consumer ) what my available daily balance is when what you show is not accurate? How would I know you recalculated the balances when I can not see this taking place? XXXX proceeded to say that you would not know because BB & T recalculates the transactions. XXXX also stated that the {$200.00} mobile deposit was not available on XX/XX/XXXX ( 2 day hold time ), for which I understood to be available for withdrawal on XX/XX/XXXX. That is fine but why did they calculate the {$200.00} mobile deposit in my balance on XX/XX/XXXX when they knew the funds could not be withdrawn until XX/XX/XXXX. Also when you look at my view of my account ( statement and online banking ) there is no way for me to know what my " BB & T stated '' balance is since it is so different from my " online banking '' account balance. Due to this entire mess, I was assessed fees which caused my account to go into the negative to assess additional fees. XXXX tried her best to explain everything but the balances do not add up. I would like the fees in the amount of {$180.00} be refunded. I have attached my bank statement from the month of XX/XX/XXXX that do not show what my balance is as well as my online banking view for XX/XX/XXXX to show what my balance is. There are back end calculations done on accounts that the consumer does not see and it is deceptive and unfair to continue charging overdraft fees to make a account go negative to get more money!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a state tax lien on my credit report. The item has be disputed and it came back verified. I have confirmation that this account has not been verified. I spoke directly to the lien source to dispute the reporting and they notified me that they DO NOT report to any credit reporting agencies via phone, email or fax. I need to know the source of this verified information. I need to see verifiable proof that the information that Equifax is reporting is 100 % accurate and 100 % verifiable. Unless, the credit bureaus have recently started conducted a title searches, which I know they have not. This account is not verified and per the FCRA needs to be deleted immediately. Please give this matter the attention it deserves. If this is not resolved immediately, I will pursue litigation in this matter to enforce my rights under the ( FCRA ) Fair Credit Reporting Act.
Product: Student loan

In XX/XX/2017 I consolidated my student loans with Premier Student Loan Center who also lead me to believe I was in a student loan forgiveness program. I just recently found out that it wasn't true after contacting my original provider. I was scammed out of around {$1500.00} believing I was paying toward my loan to find out that nothing was applied to my student loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX loan is incorrect with balance over XXXX this not mine
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/24 Re : XXXX XXXX Account To whom it may concern, I am writing in response to your recent communication dated XX/XX/24 regarding the validation of the debt related to the repossession of my XXXX XXXX. While I acknowledge your response, I am still disputing the validity of the debt and require further clarification on the following points : 1. Proof of Sale and Deficiency Balance : Please provide documentation of the sale of the repossessed vehicle, including the date, time, and location of the sale. Additionally, I request a detailed breakdown of how the deficiency balance was calculated after the sale, including all fees, charges, and any proceeds from the sale that were applied to the balance.

2. Proof of Proper Notice : Please provide evidence that I was properly notified of my right to redeem the vehicle before the repossession and proof that I was given proper notice of the sale in compliance with state and federal law.

3. Chain of Custody : I request documentation proving that the repossession and sale were conducted by authorized parties, including the name and contact information of the repossession agency and any third parties involved in the sale.

4. Contract and Payment History : Please provide a copy of the original loan or lease agreement that I signed, as well as a complete payment history, including all payments made, interest, fees, and penalties that led to the repossession.

5. Compliance with State Laws : Please provide evidence that the repossession was conducted in accordance with the repossession laws in GA. This should include proof that the repossession agent followed the legal requirements for repossessing the vehicle.

Also, please include : Proof of how the deficiency balance was calculated after the sale of the repossessed vehicle.

Evidence that the repossession and sale were legally conducted and that you were properly notified.

Copies of your original contract and payment history.

Under the Fair Debt Collection Practices Act ( FDCPA ) and applicable state laws, I am entitled to receive clear and accurate validation of the debt. If the debt remains in dispute, I request that you cease any further collection activities, including reporting to credit bureaus, until all requested documentation is provided and reviewed.

Please respond to my request within 30 days of receipt of this letter. Failure to do so will be considered a violation of my rights under the FDCPA, and I will take appropriate legal action. 

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

Sincerely, XXXX XXXX
Product: Checking or savings account

I deposited a XXXX XXXX XXXX claim check through an ATM. My mistake was I forgot to endorse it. Deposited XX/XX/year> for {$9700.00}. When trying to get a cashiers check to pay the shop and pick up my car, wells fargo says they can not give me those funds due to the check being unendorsed. I run the risk up to 3 years that XXXX XXXX  can pull it back. 

I reached out to XXXX XXXX so they can pull the check back but are unable too due to the funds being deposited in my account. 
XXXX XXXX to help with the situation sent over a letter stating how Wells Fargo can return the money so they can resend another check. 

I am on my 2nd escalation case as the first one was closed on XX/XX/XXXX with no resolution. 

My car has been ready for pickup since XXXX and I am still waiting for support from Wells Fargo. They told me I should hear something by XXXX XXXX. This is impacting me financially. I have never felt so helpless. Ive been to XXXX different banks, called various support numbers and filed XXXX cases and I am still without an update. Is legal action required for an unendorsed check?! 

FYI the check was named out to me, not Wells Fargo.
Product: Payday loan, title loan, or personal loan

I called the company and was told someone is buying perfumes and sending them to XXXX. I live in XXXX NY and asked them if they could have the person arrest or track them down, but they said that's very hard to do. 

They then told me they would look into the situation and would send me some sort of packet to state it was fraud? It's been 3 weeks and I haven't received anything ... And every time I Dispute it on XXXX XXXX it will pop back up on my credit. 

The strange thing is I gain XXXX credit points when it gets brought back on, but I seem to lose XXXX when I dispute it. Maybe I'm just reading it wrong. 

The balance is {$160.00}, but the weirdest thing about all this is that the person paid off some of the balance the first 3 months. It was opened in XX/XX/2021. 

CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX USA I then called XXXX and honestly Im getting tired of running around in circles, they told me I need proof that it was identy theft, and Im not sure how I am suppose to prove that... So they sent me to FTC... 

This was not my account, I want it closed, even if it hurts my credit. I would also like a security check if anymore accounts are opened, if possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been paying XXXX a month for probably 8 years now, for Wells Fargo XXXX XXXX XXXX ( could be wrong on the name ), signed up for it when I opened my account not really thinking anything of it, except it was probably good to have. Called a week ago to cancel the service/payment, was informed by a Wells Fargo customer service employee that the Credit reporting service has been disbanded years ago! So Wells Fargo knowing the service that they insisted I get, ceased to continue they still withdrew XXXX $ a month from me. The woman I spoke to could not give me a date when the service stopped but she insured me its been a while, years. So Wells Fargo was actually stealing from me correct? How can they allow my payments to come out knowing the service stopped without ever once sending me an email or phone call, anything. I have hundreds of dollars I feel I should be back paid. Thank you.
Product: Credit reporting or other personal consumer reports

I am filing this complain regarding an inaccurate item on my credit report that continues to negatively impact my credit, despite my efforts to resolve this directly with reporting agency it remains unresolved this directly. I request immediate investigation and removal of these items as it is incorrect and dont not reflect my true credit history.
Product: Credit card or prepaid card

I got an alert from my credit report saying that an inquiry was made on my account for JPMCB for dates XX/XX/XXXX and XX/XX/XXXX. The date XX/XX/XXXX I didnt see before because I just started checking my credit report!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I sent a mobile check deposit to the bank on XXXX. + {$40000.00} The check cleared my bank ( XXXXXXXX XXXX  ) within 1 business day : - {$40000.00}, CHECK # XXXX Transaction Date XX/XX/year> Posted Date XX/XX/year> Transaction Type Check Reference Number XXXX Fidelity is holding the funds until XX/XX/XXXX. They have refused to provide me with an explanation. There has been no change to the account agreement, and I was not notified of any new policy. Fidelity XXXX XXXX is violating reg CC by 1 ) holding my funds for an unreasonable period and 2 ) Refusing to provide me with a notice of why this is being done. 

The funds in question would have paid loans that are accruing interest. I am paying interest that would otherwise would not be due had these funds been made available to me in a reasonable amount of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fifth request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXXXXXX XXXX Balance {$600.00} ; XXXX XXXX XXXX XXXX Balance {$750.00} ; XXXX & XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXX Balance {$2300.00} ; XXXX XXXX XXXX XXXX XXXX {$9800.00} ; XXXX XXXX XXXXXXXX XXXX Balance {$0.00} ; XXXX Inquiry : XXXX XXXX, 2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX I noticed that these companies was reporting a collection debt on my consumer credit report. IRS Canceled Debts, Foreclosures, Repossessions, and Abandonments clearly states cancel debt is gross income. This company is in clear violation of my rights, under the New Rule Regulation F which took effect XX/XX/XXXX. They have violated the FDCPA XXXX and its new rule by parking this alleged debt on my consumer report. I've asked them numerous times to Cease and Desist this reporting of this alleged debt immediately. I never gave them written permission to put anything on my credit profile 15 USC 1681 b2. There offenses amount to AGRAVATED IDENTITY THEFT pursuant to 18 USC 1208 A.

15 USC 1681 section 602 A- states i have a right to privacy 15 USC 1681 b ( 2 ) - Permissible & written Instructions by the consumer ( me ) did not give the any written instructions to report anything t my consumer report 15 USC Section 604 A section 2- also states a consumer reporting agency can not furnish a account without my written instructions All 6 of these companies are in violation of 18 US code 1028 A- Aggravated Identity Theft XXXX. XXXX XXXX XXXX. XXXXXXXX XXXX These two companies are also in violation of my consumer rights 15 U.S. Code 1681 a 2 ( A ) ( i ) Exclusions- except as provided in paragraph ( 3 ) the term " consumer report '' does not include ( i ) report containing information Soley as to transactions or experiences between the consumer ( me ) and the person ( XXXX XXXX XXXX XXXX XXXX  XXXX making the report. They also reported LATE PAYMENTS on my consumer report which is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I Never gave those furnishers written instructions to furnish this on my credit report! 

THEY HAVE VIOLATED THE FCRA 15 USC 1681a 2 ( A ) ( i )
Product: Checking or savings account

I signed up for a checking account from Citibank with promo code XXXX. The terms were to deposit $ XXXX and keep it in the account for 60 days, then they had 90 days to pay out the {$400.00} bonus. The 90 days are up and I am not confident in this bank following through with the bonus. 

I opened the account XX/XX/XXXX and deposited {$30.00} as soon as I was able to I deposited {$15000.00} on XX/XX/XXXX and took $ XXXX out on XX/XX/XXXX. The 90 days has expired to pay the bonus, I have chatted 3 times online and it appears they just tell me to check back. The last time they gave me a number to call and fill a bonus resolution, which is where this is right now. I don't have confidence they will follow through as I have looked online and they have a history of these bad business practices.
Product: Credit card or prepaid card

Purchase in the amount of {$5000.00} dated XX/XX/XXXX was returned in full at a Jared retail store on XX/XX/XXXX. This return would make the account a XXXX  balance. I immediately logged into the XXXX XXXX XXXX XXXX account and noticed that the available credit was updated as being fully available. Therefore, the system recognized that a return was made but not posted as of yet. On XX/XX/XXXX, I contacted customer service and spoke to XXXX, he advised that the credit could take 2-4 days to post, I mentioned a payment was due on XX/XX/XXXX. XXXX placed me on hold and proceeds to tell me that I still must make a payment, than states that if I do not make the payment, I will receive a late fee! Lastly, he claims that I can than request a refund, this seems to be a bit backwards.
Product: Credit reporting or other personal consumer reports

I contacted the company to get my XXXX report but due to me having a new last name they haven't updated it at all, I explained to them that I sent in my information but it wasn't updated at all. I can't apply toanything due to this because they have no record of me.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my payments to XXXX XXXX was on auto pay with a paper check from XXXX payments each month towards the credit card at XXXX XXXX account number XXXX XXXX XXXX XXXX credit card account that I established last year Ive been making payments every month Unfortunately they change their mailing address so the payments from On my account at XXXX, see XXXX letters stating I made payments to XXXX XXXX in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX When I called our contact XXXX XXXX they were not very helpful and they wouldnt talk to XXXX to verify this and they were not gon na do anything for me so thats why Im going to you guys because this is unfair and has hurt me financially with XXXX XXXX bureaucracy and not really giving a XXXX about me! See the documents Ive attached proving I made payments to them that they were return to XXXX uncashed. 

Unfortunately XXXX XXXX was returning my checks and didnt cash in them even though im making payments to them they did not credit my account and therefore I was delinquent they never contacted me to tell me this until shortly where I get a credit report from Trans Union showing me negative information basically my credit score dropped XXXX points when this was reported on XX/XX/XXXX that I was 30 days late and then 90 Days late to Transunion XXXX 



I tried calling XXXX XXXX with no success and I feel like Im getting the short end of the stick because Ive been making payments since I started the loan in XXXX, XXXX, with success in XXXXand they were getting my payments and then all of a sudden the address changed and they werent cashing my checks so I feel this is unfair since Ive paid them off and they have this report of misinformation, please see the documents Ive attached showing I made payments every month to the XXXX XXXX XXXX credit card account
Product: Credit card

I kindly request the credit line from card ending in XXXX be moved to card ending in XXXX and than the card ending in XXXX be closed please thanks for your assistance in getting this matter resolved in a timely manner for me it is greatly appreciated...
Product: Credit card

On XXXX i received a call from Citi indicating there were possible fraud charges on my Best Buy account. I immediately disputed these charges. I later found out the entity that did this misused all my credit cards with logos and my bank account. Sfter investigations, all charges were deleted and new cards were issued. The only merchant that insists in making me respisible is Citi. In fact, on that date there were 3 fraud charges for XXXX, XXXX and XXXX. They deleted the XXXX, but will charge me the other 2 amounts. All of these charges were done by XXXX XXXX, XXXX, XXXX. Those charges were not mine. I do not know the entity involved.
Product: Checking or savings account

My father passed and left me as beneficiary of his checking account through Chase bank branch in XXXX XXXX XXXX, AZ. I was called by the banker ( XXXX ) today ( XX/XX/year> ) to schedule an appointment to sign documents at which point I stated I want cash. XXXX advised me his supervisor ( XXXX who is the operations manager ) said the money would have to be in the form of a cashiers check. I responded with ok, I will take a cashiers check and take it to the teller window and cash it. XXXX puts me on hold briefly. He states I can't cash the check right away because the bank wont have the money to honor the check. XXXX the operations manager wants me to accept a cashiers but not be able to cash it. So Chase bank is ok with writing a felonious check that they know they can't honor. I told XXXX to have XXXX order the money so I can cash my check at the time I receive it. This is when I called CFPB.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX 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

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX