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

On XX/XX/XXXX I received an email warning of an overdraft on my Regions personal checking account. As soon as I saw the email I checked my account on the Regions app and there were pending charges that were going to put the account in the negative by {$15.00} and some change. There was not an overdraft fee yet, so I did an INSTANT transfer of {$14.00} from my XXXX account and {$5.00} instant transfer from my XXXX account. Then I checked the app again and it showed those transfers had gone through and that I had a positive balance by just over {$4.00}. 
Today, I checked my account again to find that it now shows I have a negative balance of - {$20.00}. I haven't made any new charges. They moved my {$14.00} and {$5.00} deposits to pending along with a charge of {$5.00} and added an overdraft fee of {$36.00} to yesterdays transactions. They've done reordering of items to maximize overdraft fees before but adding a fee and changing instant transfers to pending a day later to put me negative is new. And by doing it this way they've got the {$5.00} charge there so they can get me with another {$36.00} fee. 
I called Regions today and told them the situation and asked them to remove the {$36.00} fee. They said they can't do that and there's nothing that can be done. They also confirmed the {$5.00} charge thats showing pending will incur another {$36.00} fee as well. 
I know this is illegal and they have a history of intentionally making customers pay as much as possible in overdraft fees which is evident by the rulings in XXXX and XXXX for this exact behavior.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and to request that all accounts and inquiries listed below be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which provide for the removal of such fraudulent information.

The following accounts were fraudulently opened and must be blocked and deleted : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent last XX/XX/XXXX. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. THE LATE ACCOUNT LISTED BELOW IS STILL FOUND AND NEED TO BE CORRECTED AND UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Subject : Complaint Regarding Unjustified Cash App Card Deactivation I am submitting this complaint regarding Cash Apps decision to deactivate my Cash App Card and direct deposit account without providing a clear reason. 

This issue started on XX/XX/XXXX, when I was first informed that my Cash App Card had been deactivated due to possible violations of their Terms of Service. However, the company has refused to specify what violation led to this action. I have reviewed their Terms of Service and Acceptable Use Policy and do not believe my account activity has violated any of their policies. 

I revisited this issue with Cash App customer support on XX/XX/XXXX, requesting more details, but I only received vague, automated responses stating that the decision is final, with no option for appeal. The only transaction dispute I have ever had was a {$10.00} unauthorized charge nearly XXXX years ago due to a known billing error from XXXX XXXX. Despite my attempts to clarify the situation, I was denied any further explanation or escalation to a supervisor. 

Although my Cash App XXXX has been deactivated, I am still able to send and receive money and transfer funds to my bank for an extra fee. This creates a financial disadvantage compared to other users who can freely access their funds using the Cash App XXXX or direct deposit without incurring additional costs. The lack of transparency in their decision-making process, coupled with the financial burden placed on me as a result, is unfair and discriminatory. 

I am requesting that Cash App either reinstate my account or provide a detailed explanation of what specifically led to this decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello : Dispite numerous attempts, Experian is failing to report any account activity on my report. Both of the other agencies are reporting accurately, yet Experian reports that I have no credit history. I am a XXXX years old, own two companies and have an extensive credit history. It appears that something is wrong in the Experian computer program. I am certain that a supervisor could fix the problem if they were alerted. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Product: Credit reporting or other personal consumer reports

TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Dear TransUnion : I am writing to dispute several unauthorized inquiries that appeared on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. 
The following inquiries were made without my knowledge or consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not authorize these companies to access my credit report, nor did I initiate any transactions that would warrant a credit inquiry from them. These unauthorized inquiries could negatively impact my credit score and must be removed immediately. 
According to the FCRA ( 15 U.S.C. 1681i ), you are required to conduct a reasonable reinvestigation of any disputed items within XXXX days of receiving this letter. If the disputed information is found to be inaccurate, incomplete, or can not be verified, you must promptly delete or modify the item ( XXXX ) as appropriate. 
Please provide me with the results of your investigation and a copy of the updated credit report within the XXXX timeframe mandated by the FCRA. If you fail to comply with the FCRA 's requirements, I reserve the right to pursue further legal action. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX never sent any documentation over to XXXX XXXX about my student loan tpd to XXXX XXXX as stated by them and nelnet says it sounds like when I first started my tpd it was a different process but either way I sent over my 1099c form to XXXX but my dispute was modified later Ive asked for what was modified but got no response but hung up on also so I started stating I was recording early on and also disregarded by silent treatment also. Nelnet told me to tell them to send over my credit report and they will send over the correct information. After disputing my XXXX 2.0 score dropped 28 points and my rate went up {$1.00} according to alerts. XXXX XXXX has closed out my report because nobody is sharing my credit reports to nelnet also the loan department of nelnet has my info but the tpd doesnt. On my credit report they are both reported as opening on the same day month and year. My original loan was XXXX and it was consolidated. I only went to college for one semester from XX/XX/XXXX to XX/XX/XXXX. Also reliant a new company only contacted me three times so they say but Ive never heard of them before I reached out to them but it was during this pandemic when I did because thats when I found out they said they reached out last in XX/XX/XXXX but I wouldve known if they had but I also dont receive my mail from the social security office either and I know they have proof but I dont know or understand whose record they put my tpd under. Some schools just arent for XXXX people.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, This is in response to report # XXXX ; XXXX ID XXXX. I tried to submit this data on experian website but of course their site does not work and errors out. I'm extremely upset and I will need a manager in order to resolve this issue. There is seriously something wrong with the representatives at experian. To make a long story short a dispute was open on all three of my XXXX XXXX accounts for no reason! I called in and told them to cancel the disputes and the next day I looked online and all three of the accounts I have with XXXX XXXX were deleted from my credit report. The only thing that needed to happen was my credit limit with experian needed to be updated and I felt like the rep did not know what they were doing so I told them to please cancel any disputes with XXXX XXXX. Sure enough I checked online and it said all 3 of my accounts had been deleted. I'm in the process of closing on a mortgage and this is going to affect me negatively. THESE ARE MY ACCOUNTS AND THEY NEED TO BE PLACED BACK ON MY CREDIT PROFILE THESE ACCOUNTS SHOULD NEVER HAD BEEN DELETED. I feel like the representative did this on purpose. This is the 3rd time experian has deleted on time payment history that they should not have and they never fix the issue and place it back. This is so upsetting! The credit bureaus are always doing something wrong! This is so unfair to consumers and stressful because now I XXXX not get my mortgage because this affects my credit score.
Product: Debt collection

XXXX contacted me ( email & phone ) telling me that I owe them {$1400.00}. They insist I sent {$350.00} each to 4 individuals (? ) through XXXX & that I owe them the money. I never sent any money to anybody online, let alone XXXX. I did not purchase any item at such amounts online either. I told them I did not make that transaction they allege but they insist that I owe them money. Now I received a letter from a collection agency demanding my payment of {$1400.00}.
Product: Credit card or prepaid card

I just received my Pandemic Unemployment Assistance on my Paypal card direct deposited a few days ago. Then all of a sudden today they froze my account and limited it after I had tried transfering money to my other card for bills. I have messaged them about 10 times to only be told that I needed to wait for a specialist to help me. I've uploaded receipts, my I'd, I've explained to them it was my unemployment and still have gotten no response and now I have no bill money cause they won't let me use my unployment money in my account.
Product: Money transfer, virtual currency, or money service

Over the past month, Google arbitrarily refunded the trade in credit to its store credit account while it should be going back to my credit card. Upon requesting, Google refused to provide a valid solution. Amount {$1900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I sent the credit bureaus a request to investigate the inaccurate items reported on my credit. I pulled a new credit report today XX/XX/XXXX and there were no updates changes, or response sent to me. It has been more than 30 days from the last dispute and I still have accounts with balance that should not have a balance. accounts outdated still reported and even accounts that are not mine. I am loosing patience and need help.
Product: Credit reporting or other personal consumer reports

Upon checking my consumer credit report I noticed several UNAUTHORIZED inquiries on my credit report to which I did NOT EVER give consent to. Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. & 1681i ), unverified inquiries must be REMOVED. Please investigate and remove any unverifiable inquires!

ACCORDING to The Gramm-Leach-Bliley ACT ( GLBA ) enacted in 1999, is a U.S. law that requires financial institutions to establish privacy policies and practices, including informing consumers about their information-sharing practices. 


Upon reviewing my credit report, I noticed the following hard inquiries : XXXX 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 Thank you for your attention to this matter. I look forward to your prompt response confirming the removal of these unauthorized inquiries. If you need any further information from me, please do not hesitate to contact me at the phone number or email address listed above. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 

XXXX  XXXX XXXX Balance : {$320.00}
Product: Debt collection

I requested verification of the alleged debt pursuant to my rights under the FDCPA. With respect to my verification request under the FDCPA, I requested a copy of a signed contract. Additionally, I also requested that they cease and desist all collection activity, including credit reporting. I ask them to delete any and all reporting made to any consumer reporting agencies. They failed to address my very specific legal requests and are in clear violation of the FDCPA. 

They failed to obtain and send verification of the alleged debt by not mailing me a contract. Instead of sending me a signed contract or agreement as requested they sent me a monthy statment and a monthly statements is not a contract or agreement and are nonresponsive to my verification request.
Product: Credit reporting or other personal consumer reports

My data was breached. I ask you please follow 15 USC 1681
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of information on my credit report maintained by your bureau. Upon reviewing my credit report, I discovered an account that does not belong to me. The presence of this account inaccurately reflects my credit history and financial responsibility.

Please find below the details of the disputed account : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Reason for Dispute : This account does not belong to me. I have never opened or used services from XXXXXXXX XXXX XXXX ], and I am not aware of any such debt associated with my name or Social Security Number.

Enclosed with this letter are copies of documents supporting my claim.

I request that you conduct a thorough investigation into this matter as per my rights under the Fair Credit Reporting Act ( FCRA ). Please remove the disputed account from my credit report promptly, as its inclusion is damaging to my creditworthiness and does not accurately reflect my financial history.

Under the FCRA, I understand that you are required to investigate this dispute within 30 days of receipt and inform me of the results. I expect your cooperation in resolving this matter swiftly and accurately.

Please provide me with a written confirmation of receipt of this dispute letter and a reference number for tracking purposes. You may contact me at the above address or phone number if you require any further information or clarification regarding this dispute.
Product: Credit reporting or other personal consumer reports

Experian starts today like all others with a XXXX, they closed yet another complaint without addressing the issue but once again gives absurd explanations
Product: Bank account or service

My complaint is related to NSF fees on checking accounts. My account is at Wells Fargo, but I know there are other banks that have adopted this same practice. Several years ago, they changed the way items post to accounts for no other reason other than to maximize the fees. They purposely post the largest item first, so that the more items will be NSF. For instance - a customer has {$100.00} in their account. XXXX items are presented for payment. XXXX items for {$90.00}, XXXX items for {$15.00} and XXXX item for {$20.00}. By posting the {$90.00} item XXXX, they are able to collect XXXX NSF fees at {$35.00} totaling {$100.00}. If the posted the itmes from smallest to largest, the only NSF fee would be for the {$90.00} item ( {$35.00} ) so they XXXX the fees. My college student daughter had XXXX NSF fees ( {$100.00} ) for items on her debit card which totalled less than {$20.00} because of this practice. While I recognize that it is the account holders responsibility to keep track of their balances, this seems to me like legal predatory lending. They continue to take advantage of the people who can least afford it. They are now " fee driven '' rather than making money on " spread '' and they have ablsolutely no scruples about how they do it.
Product: Credit card or prepaid card

I noticed a recurring charge on my XXXX 's account every month after purchasing furniture from their store.I believed it to be interest, but realized that the furniture I purchased was supposed to be interest free for 12 and 24 months. I called the XXXX hotline and was told that I had to call the XXXX XXXX XXXX as it was not affiliated with their company. How is a company not affiliated able to charge a recurring fee of {$15.00} since XX/XX/XXXX on MY XXXX account. I did not consent to this. I was not informed of this. On XX/XX/XXXX, I called XXXX XXXX XXXX ( XXXX XXXX ) at XXXX. I was informed they would cancel my account with them, they would stop charging their fee, they would file a request for refund to their " resolution department '', and I would receive a letter within 30 days. Thirty days passed and I did not receive any letter. I called again on XX/XX/XXXX and was told they would send an escalation letter to their " resolution department '' and I would receive another letter within 30 days. I asked to speak to a manager who informed me that their resolution department could only be reached internally and that this department did not have a contact number nor contact address. I am sure thousands of people are currently being scammed by this program and am shocked XXXX would allow this to occur. I am considering filing a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've filed a dispute in regards to the incorrect items on my credit report. It's been well over 30 days and I not received any investigation reports.
Product: Mortgage

This company plays games with consumers in order to collect more money. We contacted the company prior to sending the check for the total amount on our bill. We were told that we owed the amount on the bill and were not told to request a " pay off '' amount. We sent a check for the total amount on the bill and then continued to try to contact the company because our check was not being cashed. We talked to at least XXXX different people at the company before anyone ever told us that our check would not be accepted. XXXX, an escalation XXXX, in fact told us that she had our check and that the account would be paid in full. She followed up with a call to tell us that she had applied it to our account and that it should be updated the next day. It was never updated in our account. Several days later someone else from the company called to tell us that we owed more money due to daily interest charges. Those daily interest charges should not have been applied to our account. They had the full amount due to them on time. Now they say they did not receive our check until XX/XX/XXXX ( they had it by at least XX/XX/XXXX ). None of their documentation stated that it had to be a certified check, but after not cashing our check or applying it to our account the XXXX or XXXX person that we talked to said they would never cash our check or apply it because it was not certified funds. The entire situation was just giving us the run around as they continued to add daily interest charges to our account. We wired a higher amount of money that they eventually quoted us because we did not want our credit to be hit with a late payment like they were threatening. They had the balance in full on time, and they owe us the difference XXXX {$670.00} XXXX back. This company is not honest, reputable, or trustworthy and I would never voluntarily do business with them again. They were never easy to reach, gave us voice mail numbers that were full, and had a different story every time that we talked to them. I paid them more than I owed them in order to preserve my credit, but as far as I am concerned they need to return that money to me.
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. 

XXXX 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 credit reporting agency can not furnish a account without my written instructions.
Product: Bank account or service

USAA Bank has very poor customer service and a serious lack of communication with their customers. 
I have been unemployed and unable to find a job for almost two years now and surviving on what little income I have, which I have told the bank many many times. They claim they will assist customers who are going through times of hardship, but they do not really care about their customers at all. I had a personal loan with them which they decided to close without even notifying me that I had past due payments. I understand that, and I am paying it so it will be done with, but lack of communication with customers is wrong, very wrong. 
Just when things were being straightened out with them, I received a letter from them stating that they had closed my credit card account, ( which is paid up to date ) because of the consumer loan that they never warned me about. 
Funny thing is I have been emailing with XXXX of the bank executives and he never once mentioned they were closing my credit card account. 
It is so wrong for a bank to treat long time customers, especially ones who have served their country by either being a XXXX for the XXXX. 
USAA Bank claims that they honor and appreciate those who have served their country but if you are going through financial hardship they refuse to do that and work with you, instead they treat you like dirt.