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

When I signed up for banking with US Bank in XX/XX/2018, I said 'no ' to overdraft protection. This was presented to me as a blanket option, under which all transactions made against my credit card, debit card, and checking and savings accounts would be denied and I would therefore not be charged a fee. On Friday XX/XX/XXXX, I made 2 mobile deposits to put money into my checking account in preparation for a credit card payment I wanted to make on Saturday XX/XX/XXXX. The balance in my checking account after these deposits was {$4800.00}, and I submitted a credit card bill against that checking account for {$3600.00} on Saturday XX/XX/XXXX. I was unaware that the other user on the account also submitted a credit card payment against the checking account for an amount of {$2400.00} on Saturday. On Monday XX/XX/XXXX, the bank paid the other user 's credit card bill of {$2400.00} and then overdrafted my payment of {$3600.00}. The bank did not attempt to make the payment against my credit card bill, and yet the amount of {$3600.00} was taken out of my account and then returned on Wednesday XX/XX/XXXX, in addition to an overdraft charge of {$36.00}. I called US Bank on Tuesday XX/XX/XXXX to address the issue with them and asked why I had received an overdraft fee when I had said 'no ' to overdraft coverage when I created the account. While on the phone with the customer service representative, XXXX/XXXX, I read from the agreement I had signed with the bank, which stated that : " ... if you have chosen No you will not be charged an Overdraft Paid Fee. '' She responded to me and said : " Yes, we have customers confused about this and calling to us often ... '' and then proceeded to explain that the charges were allowed under a bait and switch tactic, in which the bank allows you to choose 'No ' when you first sign up, but fails to mention that you must specifically request 'No ' for overdraft protection on certain accounts in order to avoid the charge. The way that this was explained to me was very disheartening. I try my best to understand my finances and make knowledgeable choices about my financial health. I have never missed a credit card payment before and the credit card company dropped their own returned check fee when I called them. Since the bank is trapping many customers in this loophole concerning overdraft fees on certain accounts - even after customers have specified 'no ' - I believe they should refund my {$36.00} and discontinue this malicious and misleading practice. If I had known that my 'no ' didn't cover all of my accounts from overdraft fees, I would have kept saying 'no ' until it did. Before I got off the phone with XXXX/XXXX, I asked her to please extend my 'no ' to any account that hadn't been covered the first time I declined overdraft coverage. Thank you very much for your assistance.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because my credit reports show several unauthorized inquiries and personal information that I did not initiate or approve. These inquiries have appeared without my consent, and despite reaching out to the credit bureaus to have them removed, they remain on my reports. My disputes have been ignored or dismissed without proper investigation, leaving these inaccurate inquiries to negatively impact my credit score. This situation is both alarming and unjust, as these inquiries are not a result of any actions Ive taken. 



XXXX XX/XX/year> XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account NameXXXX  Account XXXX Account TypeAuto Loan ResponsibilityIndividual Date XXXX StatusPaid, Closed. 
Status UpdatedDec XXXX Account NameXXXX XXXX Account XXXX Account TypeCredit Card ResponsibilityIndividual Date XXXX StatusAccount charged off. {$6800.00} written off. {$6800.00} past due as of XX/XX/XXXX. 
Status UpdatedOct XXXX Account NameXXXX XXXX XXXX XXXX XXXX  Account XXXX Account TypeXXXX XXXX  ResponsibilityIndividual Date XXXX StatusOpen. 
Status UpdatedFeb XXXX Account XXXX XXXX XXXX Account XXXX Account TypeDebt Buyer ResponsibilityIndividual Date XXXX StatusCollection account. {$440.00} past due as of XX/XX/XXXX. 
Status UpdatedFeb XXXX Account NameXXXX Account XXXX Account TypeCharge Card ResponsibilityIndividual Date XXXX StatusAccount charged off. {$320.00} written off. {$320.00} past due as of XX/XX/XXXX. 
Status UpdatedApr XXXX ***remove all collection accounts above not mine, FCRA violation XXXX XXXX XXXX XXXX XXXX ***remove above incorrect names, not mine, FCRA violation XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX SINGLE FAMILY XXXXXXXX XXXX XXXXXXXX XXXX XXXX TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX TX XXXX SINGLE FAMILY XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX ***remove above incorrect addresses, not mine, FCRA violation ( XXXX ) XXXX ( XXXX ) XXXX ***remove above incorrect numbers, not mine, FCRA violation
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been over 30 days and the creditor has not updated the information nor provide proof or documentation in regard to a late payment. They have not supplied this information and they must delete the alleged late payment on my credit report. Under federal law, they had 30 days to complete the investigation and by failing to do so, the items must be deleted from the report as soon as possible.
Product: Credit card or prepaid card

A purchase was made for an item using my Apple CC on XX/XX/22 totaling {$750.00}. The online item wasn't available due to being out of stock and I was notified the following day. I reached out to Goldman Sachs which administers the Apple CC accounts to let them know. I asked if they could assist with the charge so I wouldn't be charged for the item at payment time when my bill was available to allow payment on the remaining balance. They said that a dispute was the only way they could assist and That I would get a provisional credit until the issue was resolved. The dispute would have to be in my favor or the amount would to charged back to my account. The vendor provided a refund the next day. Which should have zeroed out the amount but a few days later I received an email stating that the dispute was not in my favor and they charged my CC for the amount of {$750.00} and I owed that amount for an item I never received.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I purchased a coinbase XXXXXXXX XXXX subscription for {$290.00}. The main benefit of this subscription is unlimited fee free trading. On XX/XX/year> however, my trading service was disabled, and on XX/XX/year>, I was told that my request for trading reinstatement was denied. I paid for XXXX month of free trading on an account where I can all of a sudden no longer trade or deposit funds. I paid for a service that I can not use. 

On XX/XX/year>, I requested a refund for my subscription but this was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  out source XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose THIS IS DIRECTED TO XXXX EXPERIAN XXXX
Product: Debt collection

XX/XX/XXXX Midland Credit Management XXXX XXXX : Consumer Support Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX VALIDATION AND CEASE AND DESIST AND DO NOT CONTACT MY CREDIT Re : Midland Credit Management INC Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Account # : XXXX Dear Midland Credit Management INC I have not received a validation response to my request for verification on the debt. you have not sent me designation or proof of ownership of the debt or identification of the original creditor and subsequent assignees of the debt. As you know under 15 USC 1692g ( a ) the CFPB recently increased the requirements of a debt collectors validation response to the following : Name and mailing information of the debt collector ; and Name of the creditor to whom the debt is owed ; and Account number ( if any ) associated with the debt ; and An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records ; and The current amount of the debt as of when the validation notice is provided. 
None of the above were provided to me. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT ANY ASSIGNMENT FROM THE ORIGINAL CREDITOR WITH MY NAME AND ORIGINAL ACCOUNT NUMBER ON THE ORIGINAL DEBT ALL INFORMATION ON THE SECURITIZATION OF THE DEBT AND PROOF THE DEBT WAS ASSIGNED BACK TO UNDER FEDERAL LAW : Pursuant to XXXX XXXX XXXX, XXXX, XXXX & XXXX, XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XX/XX/XXXX ), and 15 USC 1692g ( b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtors credit ) until you properly validate and verify the debt amount. 
Please do not look at my credit or report anything to my credit reports as I dispute I owe this debt to you and that dispute should be stated on my credit report. Do not contact my credit report. 
Thank you for your immediate cooperation
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam : While checking my most recent credit report, I noticed Fraudulent credit Inquiries that I do not recognize and did not authorize anyone to pull my credit report. The inquiries made by the below listed companies : EQUIFAX : XXXX XXXX ( XX/XX/year> ) XXXX XXXX XXXX XXXX ( XX/XX/year> ) XXXX  ( XX/XX/year> ) XXXX XXXXXXXX XXXX XXXX ( XX/XX/year> ) XXXX XXXX XXXX  ( XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX ( XX/XX/year> ) XXXX XXXX ( XX/XX/year> ) XXXX XXXX ( XX/XX/year> ) XXXX XXXX  ( XX/XX/year> ) XXXX XXXXXXXX XXXX XXXX ( XX/XX/year> ) XXXX XXXX ( XX/XX/year> ) XXXX XXXX XXXX ( XX/XX/year> ). 

Please validate info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature. I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security Number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 US.C. 1681n ], Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit card

Called today to try and get my over payment allocated to my balance transfer instead of the promotional balance. They told me no. I asked if I can make a payment directly to the balance transfer. They said Im not allowed to and Id have to pay off both entirely with the interest accrued. This is a deceptive business practice. I would not have done a balance transfer if I had known this.
Product: Checking or savings account

I opened to bank account for my companies. XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX, XXXX. They gave me a debt card and then closed my account without any warning. And now trying up our company funds over {$3500.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain fraudulent accounts from my credit report. I am a victim of a recent data breach, and under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be blocked and deleted from my credit file : Fraudulent Accounts : XXXX. Creditor Name : XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/year> o Balance : {$7200.00} XXXX. Creditor Name : XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/year> o Balance : {$7200.00}
Product: Money transfer, virtual currency, or money service

On multiple dates including XX/XX/2021 and XX/XX/2021, Ally Bank, NA failed to process a wire transfer request made in the day it was requested. In both instances, the request was made early in the day and we attempted to reach out proactively to verify the transfer information. It is my belief Ally is intentionally delaying wire transfer requests or has inadequate staffing and systems in place to deal with the volume of requests it receives.
Product: Debt collection

ADP is attempting to collect a debt not owed by myself ( consumer ). They have agressively garnished my wages from my employer at the percentage of 25 % since XXXX. I have called to speak with someone and was transferred to someone out of the country that could not help me. I sent an email and letter statting that I do not owe the debt.ADP is in violation of The Fair Debt Collection Practices Act. I do not owe ADP and have never entered into any agreement with this company. I demand all wages be returned to me with damages. 
I am requesting all wages stolen in the amount of {$890.00} I am requesting damages of {$100.00} per garnishment total {$1000.00} as per the congressional fine for such violations I request a Cease and Desist of all debt collection actions I request and apology for the financial harm and XXXX  distress these violations have caused for myself and my family.
Product: Vehicle loan or lease

I recently applied for an auto loan through LightStream. A few years ago I used LightStream to finance another, separate auto purchase and was very impressed by the experience. They clearly state the interest rates offered ( displayed as a range ), based on loan type/purpose, term and dollar amount, on their website. The online application was quick and easy to complete and the funding of the loan was very fast. Plus, as an unsecured loan, the ability to avoid placing a lien on the title of the vehicle made the whole purchase process much easier. At that time, as a borrower with a very high credit score and significant income and assets relative to the loan amount, I qualified for their lowest advertised rate. Unfortunately, the most recent application was very different. Currently LightStream advertises a 2.84 % rate for " used auto purchases from a dealer '' loans with terms between 36 and 48 months for dollar amounts between {$10000.00} and {$24000.00}. I applied for a 48 month loan for {$20000.00}. I was surprised when I received a loan approval notice, with an offered interest rate of 5.59 % ( nearly 2x the advertised lowest rate ). This is despite the fact that today, my credit score, income and assets are all higher than they were when I applied for my first LightStream loan. I inquired with LightStream about the high rate offered, and was told that the assigned interest rate was based on my credit profile. It is quite clear to me XXXX based on my own knowledge of my credit profile, in addition to the interest rate I received on my first LightStream loan ) that LightStream is acting unethically. They are either falsely and deceptively advertising their rates, including some other criteria in their rate approval process that they are unwilling to disclose, or some combination of the two.
Product: Payday loan, title loan, personal loan, or advance loan

My payment was due on XX/XX/XXXX and I have not paid it yet. On XX/XX/XXXX I received an email that they could lower my monthly payment if I responded to the email with lower. I responded to the email on XX/XX/XXXX and they responded they could not lower my payment. Instead they offered to help me setup a future dated payment. Well, their email stated they could lower it and my expectation was for them to lower my payment as their email stated. Fast forward to today and I receive another email with them offering financial assistance. I responded and they reminded they could not lower my payment but can help with setting up a future dated payment. That is not financial assistance. They continue to send collection emails with false information because obviously the only thing they can do is future date the payment.Both emails with their responses are attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi. I contacted XXXX, Experian, and XXXX XXXX regarding the reporting of inaccurate information that each of said companies are currently reporting incorrectly.
Product: Checking or savings account

I recently filed some disputes as well as a Compliant with my bank due to the unauthorized transactions as well as recent returned checks and inappropriate fees assessed and overall mishandling of my account .. I rarely cause issues and am rarely overdrawn in my account. As a result of me decision to stand up for myself and advocate for myself the bank has now closed my account. No reason given. The hardship this is creating was unnecessary. My bank account is in good standing 99 % of the time .. for this to happen bc i made a complaint or a little noise in order I get my money back ... is just horrible customer service and truly unethical. U have been with Renasant for years. My money is automatically deposited and I thought until recently we had a good relationship XXXX the fact I justifiably complained and disputed recently shouldnt mean that they just shut me down completely. But there is nothing I can do about it and Im sure it will be very hard for me to open another account.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX  Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX  XXXX XXXX  Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX XXXXXXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX loan account was never late but its being reported as late on my file and Experian didnt correct it
Product: Credit card or prepaid card

I was going through old magazines and found a refund letter with an attached pre paid card that expired on XX/XX/20 in the amount of {$24.00} due to over payment of an auto loan from Santander Consumer USA. I was never contacted by the loan company to inform me of this over payment or that a prepaid card would be arriving. After discovering the card today I called the number located on the card issued by XXXX XXXX  to explain my situation and asked for a replacement card so I could utilize my refund. I was informed that due to them charging a XXXX XXXX  monthly non use fee to a card I didnt even know I had there was no money left for another card to be reissued. I asked to speak to a supervisor and was informed that it did not matter because a supervisor would tell me the same thing. I then proceeded to call Santander to remedy the situation and was informed that while she would open an investigation there was nothing they could do as they sent the refund in a timely manner. I feel that I should be issued the refund I am owed as I was never notified this card was coming to watch for it ( despite them calling me several times a day until the insurance company paid them for the car after the accident ) and the card was never activated.if I have to activate a card prior to use then the company should only be able to charge fees to an activated card. Additionally I was not given a choice regarding this prepaid card nor informed of the non use fee prior to being issued the card which goes against the act passed for these very protections.
Product: Credit card

While I was at home moving, I received a notification of a potential fraud alert for multiple transactions. I immediately denied the transaction and responded to the text stating that the purchase was not made by me and was not authorized. I selected all of the transactions on my app immediately and claimed them to be fraud. I immediately reported the fraud and requested a new credit card. I was initially refunded the amount of {$680.00} but then XXXX months later was notified that my claim had been denied except for XXXX XXXX The reasoning on the claim was " The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. '' I immediately called and appealed this decision and provided additional information and requested information related to the investigation as well as video evidence form the merchant of the transaction being completed, as it was not me. At no point was I contacted during the investigation or was any information requested from me. Additionally, I know for a fact that the merchant in question does not require PIN or signature for credit card transactions at any of their machines as i have shopped at numerous Targets in the area. My credit card does not even have a PIN number associated with it and I have not been provided with the signature utilized. The claim was once again declined with XXXX additional information being provided. I followed the guidelines exactly, denied the transaction, reported the fraud within minutes, requested a new card, and NEVER authorized the transactions. The denial of the appeal is astonishing and I deserve every single cent back that has been stolen from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifaxcredit reports now in XXXX is totally not helpful and does not know anything but what that are told. 

1. 3 hard inquires that my die was frozen. I triedfor a year going through them and it is more then frozen.They don't allow me into ny credit for.Since they moved t XXXX they have my score even messed u p. They let credit cards close down but tried to lEt there cards that they get rgit get over credit freeze and give me HARD INQUIERYS. 
A. XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX All 3 were on credit freeze that whole year until today. 
No investigation was made like FCRA SECTION 609, 611 OR 625 were not even used for any thing wrong with credit file. My score should be over 750 but they made cards close by letting them use my report to see info like was I using there cards or stuff that was licked.