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

XX/XX/XXXX XXXX XXXX XXXX You : {$20.00} XX/XX/XXXX XXXX XXXX XXXX You : {$17.00} XX/XX/XXXX XXXX XXXX XXXX You : {$19.00} XX/XX/XXXX XXXX XXXX XXXX You : {$2.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$23.00} XX/XX/XXXX XXXX XXXX XXXX You : {$50.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$1.00} XX/XX/XXXX XXXX XXXX XXXX You : {$1.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$29.00} XX/XX/XXXX XXXX XXXX XXXX You : {$25.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  You : {$1.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$34.00} XX/XX/XXXX XXXX XXXX XXXX  You : {$28.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$28.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  You : {$28.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  You : {$1.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$29.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  You : {$1.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$40.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$4.00} XX/XX/XXXX XXXX XXXX XXXX You : {$25.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$27.00} XX/XX/XXXX XXXX XXXX XXXX You : {$5.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$10.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$6.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$25.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$2.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$23.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  You : {$58.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$2.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$5.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$99.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$5.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$95.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$33.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$180.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$20.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$110.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$130.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  You : {$110.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$190.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$10.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$25.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$420.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$560.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$180.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$220.00} XXXX XXXX XXXX XXXX You : {$170.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$5.00} I filed a dispute for all these transactions and let the representative know that I don't do business with this merchant. I had my debit card deactivated and replaced as well.
Product: Credit card or prepaid card

On XX/XX/XXXX, I booked a trip with The XXXX XXXX. I paid XXXX. I paid the remainder of the balance on XX/XX/XXXX, XXXX. 

Due to the global pandemic, my travel which was scheduled for XX/XX/XXXX, was obviously postponed. when the company contacted me, they issued me a refund credit note which was set to expire on XX/XX/XXXX. I instead asked for a full refund, which they told me there were unable to issue. 

On XX/XX/XXXX the XXXX based company alerted me that they were going bankrupt ( insolvency ) and suggested I file a dispute with my credit card company. 

According to the Fair Credit Billing Act it is me legal right to claim a refund when the service I paid for is not received due to a company 's bankruptcy. 

Since XX/XX/XXXX, I have been attempting to get my money refunded from Capital One. They have continued to deny my attempts, at times, stating they needed information that I had previously submitted. At other times siting the length of time since the charge was disputed ( despite contributing to delays now adding 5 months of delayed time ). Most recently them are sighting the time. However, the time limit for my claim should start from the date I was expecting to receive the service, not from the purchase date, which in this case with be XX/XX/XXXX. 

It is worth noting that I have spend over 6 hours on the phone with capitalone, as well as hours compiling the requested information. 

I spoke with XXXX at capitalone on XX/XX/XXXX, she assured me I would receive a refund. On XX/XX/XXXX, I spoke with XXXX on XXXX who told me there was issues with the timeline, the refund notice, etc.
Product: Credit reporting or other personal consumer reports

XXXX is reporting inaccurate and misleading information and missing information on two of my loans i took out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a debt reported on my credit report from Convergent Outsourcing. It is for a debt claimed by XXXX. 
On XX/XX/2019 I submitted a request to XXXX to validate the debt in writing or remove the incorrectly reported account from my credit report. 
On XX/XX/2019 they mailed a letter refusing to remove it. They have not provided any proof in writing that the debt is mine. 
I do not owe XXXX anything and request XXXX XXXX to remove it from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

None of these fraudulent accounts are related to any of my legit transactions. Recently I was checking my credit and I found these accounts that don't belong to me. These accounts are the result of identity theft. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. My personal information was a part of the Target Data Breach in XXXX and I assume that is when my identity was stolen. 

These are the fraudulent accounts : XXXX CARD that opened last XX/XX/XXXX, XXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX XXXX XXXX that opened last XX/XX/XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX  that opened last XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX that opened last XX/XX/XXXX. I also have these inquiries listed on my report XXXX XXXX with an inquiry date of XX/XX/XXXX, XXXX  XXXX with an inquiry date of XX/XX/XXXX, XXXX XXXX XXXX  with an inquiry date of XX/XX/XXXX, XXXX with an inquiry date of XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX with an inquiry date of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letters to XXXX, TransUnion and XXXX disputing an inaccurate late payment that was on my credit report. I asked that the erroneous item be verified and validated. I was informed by each Credit Reporting Agency that they had completed their investigations and none of them were able to verify the information, however the 30 Day late is still showing on all of my credit reports even though they were unable to verify its accuracy.
Product: Debt collection

I received a text message regarding a debt UNIFIN believes I owe on XX/XX/year>. I received no mail communication or phone calls. I sent an email to XXXX, and I have attached that email to the documents uploaded here. I notified them that the debt has been disputed and made a request for validation pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. 

I received another text on XX/XX/year>, and I heard no communication from the company until I received a letter in the mail on XX/XX/year> once again asking for payment. Since my request was made on XX/XX/year>, I have not received what I requested. Additionally, I communicated that " If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. ''
Product: Bank account or service

I opened an account at Bank of America. A couple days later it was closed by their Risk department. I have {$300.00} in the account that the bank is not letting me withdraw - they are holding and investigating the money due to a " cash jam '' at the ATM when I deposited the {$300.00} cash. I was told I can not get the money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer, original creditor have found out that these accounts listed below have now reappeared on my credit report after they were originally deleted from my credit report. There was no consent nor did anyone give permissible purpose for the accounts listed below pursuant to 15 USC 1681b ( a ) ( 2 ). Consumer reporting agencies have grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ), Fair Credit Reporting Act. I have attached screenshots as proof. 

Accounts originally deleted and reappeared after the FACT : XXXX XXXX XXXX .... Date opened- XX/XX/XXXX {$1200.00} DEPT OF EDUCATION/XXXX- XXXX .... Date opened- XX/XX/XXXX {$5500.00} DEPT OF EDUCATION/XXXX XXXX .... Date opened- XX/XX/XXXX {$2200.00} DEPT OF EDUCATION/XXXX- XXXX .... Date opened- XX/XX/XXXX {$910.00} DEPT OF EDUCATIONXXXX XXXX .... Date opened- XX/XX/XXXX {$1100.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX After reviewing my account, I noticed there was fraudulent activity reporting. There are accounts that I have no knowledge of or relationship with. The company has not provided the authorized agreement creating the debt which is required to collect on a debt 15usc 1692f. I have no obligation to pay a debt collector and amount that is alleged and not mine. XXXX XXXX XXXX XXXX US Code 1692f ( 1 ). Unfair Practices PLEASE DELETE THIS ACCOUNT IMMEDIATELY
Product: Mortgage

This complaint is against Bank of America NA, XXXX XXXX, XXXX and XXXX XXXX XXXX  for failing to adhere to the Consent Judgment entered against Bank of America in XXXX. With the help of the Consumer Financial Protection Bureau, I received a resolution on my first mortgage because of the consent judgment against XXXX XXXX. Bank of America was supposed to cancel the debt of my second mortgage of over {$35000.00} because of the previous mentioned settlement and the significant drop in my property value. I received a letter from XXXX XXXX in XX/XX/XXXX requesting payment of debt. XXXX assigned this second mortgage on multiple occasions with the last assignment happening in XXXX, well after the creation of the mortgage in XXXX. Back in XXXX Bank of America sent a letter stating that the mortgage was canceled, but now I am aware that a lien still exists on my property. Therefore, Bank of America failed to provide me with relief as required by the consent judgment entered by the United States Department of Justice.
Product: Credit reporting or other personal consumer reports

My credit report is showing an unauthorized, unverified inquiry. This inquiry has made my credit score decrease, according to the FCRA this unauthorized inquiry needs to be removed immediately off of my EXPERIAN consumer report. Listed below will be the date and account of the inquiry. EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These unauthorized inquiries needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting accounts in collection that are fraud and do not belong to me. They are reporting a XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX  ( 2 ), XXXX  XXXX XXXX XXXX ( 2 ), XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, these are all fraud and not my accounts and need to be DELETED/REMOVED
Product: Credit card or prepaid card

On XX/XX/2022 my account was charged without my authorization. A company ( that doesn't appear to exist ) XXXX states I purchased maternity clothing for {$540.00}. This is fraud for both my credit card and the fact they have my address. They used XXXX different IP addresses within XXXX minutes of each other in my general area. These are not my ip addresses and there is no way to be in XXXX and then XXXX minutes later XXXX. Bank of America did not research in the company and took basic answers back to decline my fraud. 

I never received these items, didn't authorize these items, and this company does not exist. They keep telling me to deal with the merchant and prove a negative which is impossible. 

I reported the fraud right away. 

I want these charges- charged back to the 'merchant '. 

I also can't pay these charges and off my credit card as it will passively appear i agree to the charges. In paying the minimum balance or everything except this i will get interest charges and my credit will be impacted. 

There is a no win situation that is beyond frustrating. 

I have also filed an FTC ID theft claim to help support this claim and resolve the matter
Product: Credit card or prepaid card

" Chase '' Bank which started out fine and also holds my car payment which remains in no missed payments and no issues. MY credit card has different rules different stories. All was fine then one day it seems I was owed {$400.00} plus dollars " minimum '' due??!!! I am thinking what was minimum due maybe I did not pay close enough attention. BUT when trying to resolve it did not go well they were and still are relentless in their pursuit of this bill. My problem is they called so much that I stopped answering and I continued to pay them {$50.00} on the credit card faithfully and still am because of the constant calls. So figuring I had to solve this so now I answer their calls and they talk so quietly I can not hear them or say something that doesn't make sense when I ask them to repeat themselves they hang up on me. I guess this is payback for me hanging up on them. They are being childish they call I answer they hang up on me what am I supposed to do play games I don't think so. I will continue to pay {$50.00} until my bill is paid just I have been doing all along. It would be reputable of you to stop the reports you have done your damage.
Product: Consumer Loan

At the inception of my loan, I had great credit ( XXXX or so ). I got the loan from the dealership I went to ( XXXX ), I was not informed of any specific details ( such as loan APR, only length ) when purchasing the car and putting the down payment down. After I did all of that, I was stuck with a super high interest rate ( 18.10 % ). 

I was also required by XXXX to get " extra protection '' which was a service contract, that I did n't need or want, but I was told I must have in order to get the car. An extra {$1800.00} to the loan. 

Now I can not continue to afford this car loan, the interest rate is at an astronomical 18.19 %. I need it to be lowered to 4 %.
Product: Consumer Loan

Santander Consumer USA is charging me more interest and fees than what was disclosed in the contract. This is a breach of contract and several violations under the truth & lending laws under State and Federal. They are also charging me add on fees and late fees that were n't disclosed. I also called the about my payment being late and I was told they would let me skip XXXX payments and just add it to the end of my contract but instead to this day XXXX/XXXX/2016 it 's showing I am behind {$1200.00}. Also I wanted to payoff the loan which the payoff should be around {$17000.00} but Santander is telling me the payoff is {$20000.00} which is another violation in the truth and lending. How can Santander USA get away with all the crooked Business they are doing??? I have read over XXXX complaints about this Business Please CFPB do something. I might just find a Class Action Lawyer to go after them.
Product: Credit reporting

I sent a DOFD letter to Equifax on XXXX/XXXX/16 via certified mail that was received by them on XXXX/XXXX/16. I have not received a response and, therefore, according to FCRA such items should now be removed from my report. There are several inaccuracies in this credit report including : 1 ) A collection account showing with no creditor name, 2 ) Various student loan installment accounts showing as opened that have been closed for multiple years and 3 ) Student loan accounts that are currently paid as agreed showing as collections. 
As these disputed accounts have not been investigated and responded to within the 30 days allotted by Federal law, according to FCRA, I am respectfully requesting that all items on my DOFD dispute letter dated XXXX/XXXX/16 be removed.
Product: Debt collection

These was never late ( DEPT OF EDUCATION/XXXX  XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX, DEPT OF EDUCATION/XXXX  XXXX, DEPT OF EDUCATION/XXXX  XXXX, DEPT OF EDUCATION/XXXX  XXXX, DEPT OF EDUCATION/XXXX  XXXX, and DEPT OF EDUCATION/XXXX  XXXX ). data furnisher made an error when recording payment. They are aware of issue and agreed to remove negativity. also please check that account is not untimely inaccurate incomplete or unverifiable. please see attached docs
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX calls my phone every other day i tell them im at work they still call, i ask for debt validation and the representatives dont understand, they call me even when accounts are in dispute, they call and hang up when you call back its them, none of the three bureau 's XXXX XXXXXXXX XXXX or experian are correctly investigating these charge off 's and collections, i pay % 28 apr on car i couldnt get a house im a single father, i could apply for a home loan cause of this, and now the market has doubled, i need compensation, XXXX for violations and i need {$100000.00} from each credit bureau and all collections and charge offs removed, i lost the opportunity to do so many things in life im XXXX no house just because no one is actually checking these accounts, i live depressed i coulda had a house if these bureaus did due diligence
Product: Checking or savings account

I accidentally over drafted my checking account. My Wells Fargo overdraft protection kicked in and transferred money from my savings account to my checking account. However, once this transfer happened, my savings account was now below the minimum daily balance amount, which means I could get charged a XXXX XXXX monthly service fee. However, I rectified the issue immediately. The same day this happened, I transferred more money into my savings account, bringing my balance above the minimum daily balance amount. To be clear, because I transferred the money so quickly, my account was below the minimum daily balance for only a few hours. By the end of the business day, my account was above the minimum daily balance. That means I shouldn't get hit with a service fee. 

But of course, Wells Fargo charged me a service fee anyway. When I called Wells Fargo to have this reversed, the agent on the phone listened to me explain what happened. She then used a tool that she called something along the lines of " the automated complaint resolution tool '', which offered to cut the fee in half. That was unacceptable. I confirmed with the agent that " minimum daily balance '' does in fact mean your balance has to be above that number at the END of the day and that I should have not been charged the fee for going below it for a few hours. Finally, she agreed to reverse the whole fee. 

I just read an article about the CFPB fining Wells Fargo for all kinds of misconduct including wrongfully charged fees. It says that Wells Fargo has stopped these practices. That's not true, and what happened to me proves it. With the number of customers Wells Fargo has, there's no way they manually check every account balance and have a human assess the fees. That means it wasn't human error that led to me being erroneously charged a fee. They have automated systems that are programmed to be super aggressive with charging fees. And this automated resolution tool is designed to not refund fees, even when they should be. My situation is resolved, but how many people is this happening to? A few XXXX a year? 

Details Overdraft protection transaction : {$1400.00} on XX/XX/2022 Me transferring in funds to get above the minimum daily balance : {$2400.00} on XX/XX/2022 Monthly service fee : {$10.00} XX/XX/2022
Product: Credit reporting or other personal consumer reports

Sometime in XXXX XXXX XXXX someone opened up a business credit card for my company using my partner and I 's name. 

We found out about this when the frauder stopped making payments on the account and our credit reports showed a charged off card. 

We then contacted Chase Executive phone number and advised them of this problem. They told me to file a police report along with an identity theft affidavit for my partner and I. 

We both filled the police report and identity theft affidavit and sent it to chase. Shortly after, maybe in XXXX XXXX XXXX, chase gave us back a call saying they received the paperwork and have deleted the account and marked it as fraud. 

We havnt heard from them since up until 2-3 weeks ago, when we received a letter for a settlement offer. 

This is a joke and this was supposed to be removed and deleted as advised about 4-5 years ago
Product: Mortgage

Dear Consumer Finance Protections Agency staff, I took a VA house loan with Veterans United Home Loan company. XXXX XXXX was my loan officer. The first thing he did without my authorization was to pull my credit scores. I addressed this with their client relations/XXXX  XXXX. She admitted that XXXX XXXX should have never pulled my credit scores and she listened to the phone recording between XXXX and me. 

The final thing that XXXX XXXX did was to change my APR and money that was due back to me at the closing of my house loan.

Ms. XXXX, an attorney, sent a letter ( XX/XX/2021 ) asking for an explanation of why XXXX XXXX took it upon himself to make financial decisions on my behalf, without my knowledge, and at the end of the closing. I had received an email on XX/XX/XXXX after XXXX XXXX  EST that my APR and money due back to me had changed. 

XXXX XXXX, who is a client relations manager responded back to Ms. XXXX with excuses and acknowledgment that the loan officer ( XXXX XXXX ) made decisions that impacted my loan, by email on XX/XX/2021. 

I asked for the higher APR of XXXX because it allowed me to receive money back at my closing. I was able to claim my VA house inspection, termite inspection, VA appraisal, and earnest money. This equated to {$1900.00} back to me upon closing per the terms I agreed upon. 

I never asked for a lower APR -- I understand how compound interest works and that I was going to make larger payments towards my loan principal. I did not need to buy a lower APR. I am educated on how compound interest works. 

In the end, I did not get back {$1900.00} due to me, I received {$1000.00}, instead of what was due to me at my closing. 

I would like this matter investigated. It is not feasibly economical to continue with legal counsel. I don't want this matter to ever happen to another person. I will supply all documents as needed to support my claim. Thank you. 

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

A collection account appeared on my consumers reports on XX/XX/2023 XXXX XXXX Solutions, that doesn't belong to me. I have spoke with all three credit bureaus and sent them a letter of dispute.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I am a victim of several data breach and there are multiple accounts on my credit report that needs to be removed. 

XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX   XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX