23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I have auto pay on my car with Wells Fargo Bank. In XXXX 2015 the payment returned for NSF. WFB ( wells Fargo Bank ) continued my auto draft but every month charged me late fees more over WFB reported me late to the credit bureau. 
I would like all the late fees to reversed and the reporting to credit bureau to be corrected. I was not late for eight months! also WFB must correct all that practice for all the consumers.
Product: Credit card

XXXX I paid my credit card bill early and paid the entire balance. 
My billing statement closed on XXXX, I get my next months statement & there is a charge for {$11.00} on my account for interest? I phoned the company and asked them to remove it, because how do you charge interest for an additional 11 days when the bill was paid in full? 
Called on XXXX asked the company to remove it customer service representative said they would, followed up XXXX & spoke to a supervisor XXXX XXXX she stated thats interest from the prior month & theres nothing she can do. Why if this is interest from a prior month why would it not already been calculated into the bill moving forward since interest is calculated daily? 
I have well established credit & credit cards with other companies & I have never had this type of behavior especially since I always pay the bill & early? I am a long time customer & this is how this new company who took over servicing my credit card treats loyalty?
Product: Checking or savings account

Juno has frozen all ACH transfers and debit card purchases
Product: Credit reporting or other personal consumer reports

After disputing a bankruptcy on my report with Experian, I sent them court documents proving the inaccuracy. Experian did not provide a reason for the bankruptcy case number XXXX. Experian 's response was that the information on the report is valid. However, they did not explain where they got this information. This is a violation of my consumer protection rights, and they rejected my request to dispute the matter again, which is a serious violation of my consumer law rights. Despite presenting supporting documents from the courthouse, Experian refused to delete the inaccurate information on my personal report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNT NAME : XXXX XXXX  | ACCOUNT # XXXX ACCOUNT NAME : XXXX  XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX  | ACCOUNT # XXXX ACCOUNT NAME : XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXXXXXX XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX  | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX ) | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX | ACCOUNT XXXX XXXX ACCOUNT NAME : XXXX XXXXXXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXXXXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX | ACCOUNT # XXXX The above said accounts, have 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I was charged a late fee on my credit card for having been less than one day late. I paid my bill the morning following the midnight cut off period. Due to Bank of America 's computer system not working at the time, I was unable to make the payment on the Saturday XX/XX/XXXX deadline. Therefore, I had to make the payment the following day ( XX/XX/XXXX ) and thus I was charged a late fee of {$28.00}. I called the company ask that it be removed. They refused to do anything about the late fee. I spoke with XXXX XXXX in the XXXX call center on XX/XX/XXXX after I noticed there was a late charge. She refused to do anything about the fee and refused to waive it. I have been a loyal customer for Bank of American since XXXX. I am filing a complaint to have the {$28.00} late fee removed because there was an error in the online computer system of Bank of America that did not allow me to make the payment on the date/time that I attempted to. I would like the {$28.00} late fee waived or reversed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate credit report information on payment. Payment balance was paid in full. 

XXXXXXXX XXXX Partial Account # XXXX Payment of {$1400.00} was paid in full on XX/XX/
Product: Credit reporting, credit repair services, or other personal consumer reports

I Recently checked my credit profile and i saw Multiple fraudulent accounts and fraudulent inquiries. Those fraudulent accounts are XXXX {$18000.00} XXXX XXXX {$780.00} XXXX XXXX {$59.00} XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX {$5200.00} XXXX XXXX {$360.00} XXXX XXXX {$1000.00} The following inquiries are fruaulent : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I Have reached out to the furnishers and they each told me to contact XXXX, XXXX & Equifax. I have filed a FTC REPORT, AN IDENTITY THEFT REPORT AND A IDENTITY THEFT AFFIDAVIT!
Product: Checking or savings account

I am now able to explain why Bank of America XXXX XXXX XXXX and XXXX XXXX along with employees multiple agencies were in bed together were trying to cover up which came out XX/XX/2021 XXXX in the morning. Claim No. XXXX stolen from me inside, Claim No. XXXX that XXXX XXXX assured me was mine with provisional payment also stolen from me but everyone trying to play tricks on me by denial and I now see why, below. 

On Saturday morning XX/XX/2021 around XXXX XXXX of XXXX XXXX and explained to me 1. you do have an XXXX claim 1. XXXX XXXX. XXXX after a long wait from as she said the Tech department that they said all your XXXX and Social Security benefits went into the same account with bank and you must talk to them about this. The person has the same name but an different address in Michigan and he is not from California the money came from California XXXX program that is what they mean about California and he did get your money. 

Then on Sunday morning I spoke to XXXX at XXXX XXXX and she said yes we will credit your account your claims dispute benefits and yes we can credit it while the Fraud Investigation is pending. 

Then I spoke to
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I had filed a previous complaint XXXX. Unfortunately you guys close it too quickly and I didn't get a chance to upload additional information. Citi had asked us to put together additional information which we did. We called them and they have yet to call us back. The " perk '' of this card is to extend the manufactures warranty if you bought it from XXXX. I bought the XXXX XXXX XXXX from XXXX and they are refusing to honor the warranty and looking for any loop hole to get out of honoring this legitimate claim. I have 4 calls into XXXX the manufacture of the camera and all those calls resulted in XXXX saying yes it is covered under the 1 year warranty. Here are additional documents we put together showing specifically that the camera is warranted to operate at depths of 49.2 feet for up to one hour. Citi is hasn't called us back so I am filing this complaint. I find it ridiculously frustrating that Citi keeps acting like this isn't a " water-proof '' camera and shouldn't have been in water. I even attached a XXXX search that shows it is marked as a " water-proof '' camera.
Product: Credit reporting or other personal consumer reports

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed below. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, this notification should not be charged. 

Items in question XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX
Product: Credit card or prepaid card

I reached out very recently, I believe early last week to the bank that manages this Care Credit, credit card for assistance and was given a bit of a difficult time. I had opened up my bill for the month and noticed that I had suddenly got hit with {$86.00} worth of interest in one month! I was in shock. I have been carrying a balance for a while and making payments with the exception of I think skipping two, due to the Pandemic, as most had done in the early spring of this year. 
About a year ago, in XXXX of XXXX, I had been in a difficult situation as I was getting hit with one offer after another expiring on XXXX bills and getting hit with a massive amount of interest all at once. I was totally overwhelmed and reached out for assistance. I worked with someone in the Corporate office I believe who changed my existing balance at the time, over XXXX I believe to a very low interest rate. This helped enormously. Interest was waived as well, a massive help at the time. I was also told and this is very important due to the nature of this complaint that if I used the card, for a new purchase, I would not be charge at the highest interest rate which would make it impossible for me to use the card. It would be totally separate from the older balance that was already adjusted. I am not sure exactly of the arrangement but this is the best of my knowledge. After that arrangement, I didn't use the card for some time and was making payments. I had planned on not using it for a long time as I worked to pay down the debt .Then suddenly, we had an emergency for one of our pets in XXXX of XXXX. The cat had to be brought to several doctors and specialist and unfortunately I had to use the card for almost XXXX XXXX dollars. There is no way I can pay this debt down if I am being charged {$86.00} per month. I won't get anywhere. I did speak with a rep and a supervisor early last week and asked to speak with the person who originally made these arrangements. I had her name. The rep gave me a hard time so I had to escalate the call to a supervisor. the supervisor clearly seen who I had been dealing with, as notes were there at she said she would contact this person for me. I never heard back and it is going on one week.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

To whom may concern, I was charged {$520.00} as penalty to withdraw a CDs. Please allow me to demonstrate the unfairness from TD bank services. 
XXXX. I tried to stop the transaction before it is completed. I opened a CDs online on TD website, but I realized my investment on TD was poor, and I tried to stop its process before it is completed. So within an hour, I called Customer Services to stop it, they said they can not and I need to go to the branch. I went to the branch ( XXXX ) right away ; the banker XXXX XXXX tried to reverse it for me, but he said the CDs is not on the system yet, so I have to wait 72 hours to come back for any action. I came back to the branch next Monday, Banker XXXX XXXX picked up my case and brought it up to her manager XXXX XXXX. XXXX brought it up to her Region Manager ( I can not get the name ). The top manager insisted I should pay full penalty. 
2. I invested the CDs with Step rate of 5 years, and the first year rate was just 0.35 %. Why my penalty is too high? For step rate CDs, I can take out all my monies after a year matured. With the Cds amount of $ XXXX, I will make interest of {$260.00} for the first year. My penalty is {$520.00} which is much higher than the interest I would make. 
3. TD bank did not give sufficient and clear information when I opened the account online. TD website did not clearly state the penalty of withdrawing a Cds. It makes it too simple to open a CD account. 
Please investigate my case, I am complaining because the TD bank 's delayed process, the top manager 's disregard, the unclear high penalty, and insufficient provided related information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is reporting as a collection when i paid this balance off before it went into collections. But on my experian report it is showing a collections account.
Product: Debt collection

CMRE Financial Services sent me to collections for a {$370.00} debt. They are quite incompetent & didnt have my current address on file & so I wasnt aware of the debt until it was already on my credit report. Once I took notice of this I called the company & I agreed to pay the debt & they agreed to take the account off of my credit report. A few days later the account was marked as paid but not taken off of my credit report. I called them back & was told in a very aggressive way that they would never do that for me. I asked to speak to supervisors & they never called me back. I disputed with my credit bureau & they still would not agree to take it off of my credit report. How am I supposed to be liable for an account for 7 years that I was not aware of? Not only are these tactics unethical, aggressive, & unfair, but they also disproportionately affect low-income households. I looked up CMRE reviews on the XXXX  & everyone else seems to feel the same way. This company holds people XXXX for medical debts & permanently ruins their credit while theyre already hurting. I have never seen a company this brazen & shady, even from debt collectors, ever before.
Product: Checking or savings account

On XX/XX/year> my phone was stolen at XXXX XXXX and I became a victim of fraud. This banking institution was notified and I gave them every bit of evidence needed to prove that fraud had occurred. The people who committed this fraud took money through cash advances on my credit card and also sent money through money sending services such as cashapp and XXXX from my checking account. All this happened same time, same day, and I even have a police report stating so along with other banking institutions letter of approval for fraud because they had wiped all my accounts. Now Navy Federal Credit Union approved of my fraud for only my credit card but not my debit card. Why would they approve for one and not the other when it all occurred on the same date. They first told me because of insufficient evidence until I sent them the hard copy of the police report then switched it to spending habits which in fact I use my credit card for everything so I can garnish points and never use my debit card and actually I leave it home in a drawer because I dont use it. They are trying to not give me back my funds and telling me different reasons to get out of it. I believe as a consumer/customer I should be protected and again should be faulted to the funds returning since they approved of the credit card fraud. Not only did I send a police report but I sent proof of my phone being deactivated for find my location services, my passwords being changed, birthdate being changed and all the money being sent during the time of the occurrence. When even I call they tell me that the case has been denied even though they approved of my credit card fraud.
Product: Consumer Loan

I am on social security XXXX and when I took out the loan for {$800.00} I did not realize that when the loan was paid that I was paying them {$2300.00}. They knew I was on XXXX and that my income was fixed. Also my XXXX is a XXXX that causes to not understand and know what I am really signing. I paid back over {$1600.00} to them and could n't any more. At the end of every month I had no money or food until XXXX on the XXXX of the month. I even called to make other arrangements but they said no. So I stopped paying them and a couple months ago made a payment arrangement with me for {$99.00} a month. I thought that was the end of the loan but I am still getting phone calls and threatening emails. I tell them I am only about to pay {$99.00} a month but they said even after XXXX monthly payments I still owe them over {$200.00} still. I asked them to send me a statement and they told me they do n't mail out anything it 's done through there website. It tells me nothing or explains nothing. I do n't have a written contract. They said I signed XXXX on line. I do n't know or remember ever doing that. I have explained everything to them but nothing matters. I suffer from XXXX and there phone calls are making everything worse. I do n't want to go back to the hospital and I have no family.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint to CREDENCE RM regarding the reported data on my credit file that is not certifiably compliant and proven valid and/or not documented as fully true and physically verified. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX, PA XXXX. My date of birth is XXXX, and the last 4 digits of my social security number are XXXX. The FTC report number associated with this complaint is XXXXI have identified likely mendacious and certainly unproven complaint reported account on my credit file that are inaccurate and erroneous l. As a consumer, I am within my federal and state consumer and/or civil rights to demand and/or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular item that you are reporting under FACTA Title 1 sec. 151 that unambiguously obliges a recounted of the modus. This is a formal dispute of information and reporting.