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

On XX/XX/14, I attempted to withdraw XXXX from my checking account at the XXXX MD Wells Fargo and was denied. The bank kept me waiting there 45 mins and refused to disburse my money. Their stated reason was that the numbering was suspicious about the check I presented. Now I do almost all bill pay online and have been carrying around my last few remaining checks from when I opened my account for all these years. So to their point, the check was " old '' and had my former address on it. Despite providing several forms of ID, my debit card, my checkbook itself, and all intimate details of my direct deposit and mortgage amounts ( as identity verification ) they would not disburse my money. Because of this, I was 2 days late in paying for a service. Obviously this is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my Experian credit report last week and noticed that my score dropped from XXXX to XXXX. My score was XXXX in XX/XX/2018. I contacted Experian and all they could tell me was that they are using a new system to compute scores. There is also no new derogatory information on my report. It is VERY UNFAIR to a consumer who has worked hard to get their credit score higher just to have it lowered by the company that does the reporting. I even pay for credit monitoring services monthly. I tried calling Experian today and all they did was try to transfer me to a different department and then that department hung up on me. I never got a chance to talk to someone and its always the same, I get transferred from department to department.
Product: Bank account or service

I was charged XXXX ovedaft fees by Wells Fargo, XXXX for my checking and XXXX for my savings. I do not understand the overdraft fee from my savings. I had transferred {$25.00} from savings into checking leaving only a balance of {$1.00} in savings. When checking became overdrawn from a payment clearing that I had meant to cancel ( knowing there would be insufficient funds ), the {$1.00} was automatically transferred into checking. Subsequently I was charged for the {$25.00} previous transfer because supposedly the checking account was overdrawn. However the balance still remained XXXX so it was not overdrawn. And I was charged {$35.00} to my savings leaving me then overdrawn. This is my only time with insufficient funds and funds were immediately deposited later that day into my checking to bring it to a positive balance. It is unfair to be charged ultimately twice for basically XXXX item.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my credit report from XX/XX/XXXX from XXXX in XXXX, Florida. that I did not authorize nor am I a customer of this bank. This inquiry shows up only on one credit bureau ( XXXX ) they will not help me. I called on XX/XX/XXXX and again on XX/XX/XXXX XXXX   they told me I would have to call and make a police report because they will not send me a letter head stating they ran my credit because I am not a customer. How is this even fair? 

Then when I call XXXX on XX/XX/XXXX they tell me i need a report from the bank and myself. I can not get the report from the bank. No one is helping me resolve this issue. Could someone please help in this matter?
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX, I paid off my auto loan. I can not see the XX/XX/XXXX transaction online. The banks online system indicates I can see XX/XX/XXXX, transactions but will not display the transactions. We are in XXXX and can't check to see if our title was returned to us. XXXX XXXX was purchased by FirsXXXX Tennessee Bank subsequent to me paying off the loan in full. In XX/XX/XXXX, the online banking systems were merged. The transition was done very poorly, and the system still doesn't work properly. On XX/XX/XXXX, we moved from XXXX XXXX XXXX, XXXX to XXXX XXXX, XXXX. I transferred the balance in my checking account to my new account and left the account open in case a direct deposit was made incorrectly. On XX/XX/XXXX, {$.00} for interest was deposited to our account. On XX/XX/XXXX, a direct deposit for {$53.00} was made to the account. On XX/XX/XXXX, our account was charged {$280.00} for a loan payment and {$37.00} for an overdraft charge. The charges were posted to our account without written or verbal notice that anything was due or that the bank intended to charge our account. This was done 10 months after the auto loan was paid off in full. On XX/XX/XXXX, {$25.00} was charged to our account. On XX/XX/XXXX, another {$25.00} was charge to our account. We were not notified our account was in an overdraft position, either written or verbally. On XX/XX/XXXX, I discovered the bank charges and contacted the bank to see what the {$28000.00} charge was for. They stated it was for interest on the auto loan I had paid off 12 months earlier. The bank did not provide any evidence or documentation. They removed the {$37.00} charge and the 2 {$25.00} charges but refused to remove the {$280.00} interest charge. There is no way the interest charge is correct. The bank can not charge interest on a loan that was paid off 10 months earlier and certainly not after the bank was purchased and merged into another bank. The merged bank has proven repeatedly that it is less than competent. This bank should be strongly censured.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Reported : XX/XX/2020 {$460.00} Needs Attention XXXX XXXX {$1000.00} XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX {$93.00} XXXX XXXX {$1100.00} XXXX XXXX {$540.00} XXXX/XXXX  {$0.00} XXXX XXXX  {$0.00} There are no contracts, no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem started with XXXX  XXXX XXXX selling or transferring my account held with them to account to XXXX XXXX XXXX ( XXXX  ) in XX/XX/XXXX, after it gave me a 3 month grace period for payment because of a government program for hurricane Irmas relief, by which I was affected. This happened on XX/XX/XXXX which was the only month I didnt paid the mortgage to XXXX  XXXX XXXX, by then I had planned to pay that missing month splitting the amount with the payments of XXXX, XXXX and XX/XX/XXXX. While this happened XXXX   called me in XX/XX/XXXX after I had made the first payment in XXXX and offered me another plan to extend the grace period until XX/XX/XXXX and deferred the payments missing to the end of the loan. While this happened I found out by XX/XX/XXXX that XXXX transferred or sold the loan to be managed by XXXX, By then XXXX  began to go after me for the payments missing as if there was never a program approved at the time, since they did not approved anything nor were they told by XXXX of this agreement, nor did they ever provide such to XXXX  the paper dodging had begun. It was then that I explained the situation to XXXX  when we started negotiations to fix the confusion created by XXXX and they offered to have a loan modification to help me with the situation as their only option. Doing this loan modification, XXXX  reported the payments done during the trial period as if they were never made as shown in the credit report for XXXX and last XX/XX/XXXX in which no payment was required when the loan modification was approved beginning the regular payments on XX/XX/XXXX. This is not counting all the time wasted by XXXX  sending me 3 different contracts to be sign after that on the approval, since the previous two had errors. 

During this time, I was making all payments as required of me, but they were not being reported. Each missed payment reporting onto my consumer credit files, and damaging my creditworthiness with them and all potential future lenders. The trail period with XXXX was reported as missing payments and this is not the case. I feel I have been abused in this process and given the run around, in the meantime my credit files have me listed in a derogatory manner on payment history and it affects me during this time of Covid19 to qualify for loans which I need. I have always made my payments on time and have always lived up to my obligations. I ask this agency to intervene on my behalf and offer the mediation which I need to bring this matter to the appropriate agency/person so that this is resolved. 
I am asking for a resolution in real terms, and have these multiple late history, which is factually inaccurate and a result of error or negligence either by Bank XXXX XXXX or XXXX XXXX XXXX. This is causing me problems and I am asking for more than the standard reply from both XXXX  and XXXX  which has to date done nothing to correct the matter which they created.
Product: Credit reporting or other personal consumer reports

I want to address some inconsistencies that I have identified in my personal credit report. These inaccuracies are having a significant impact on my financial standing, particularly in relation to my ability to own a home. While I understand that errors can occur, I have researched the dispute process and am aware of the required investigation time-frame of XXXX days. The other bureaus have already removed these accounts from their records, following the submission of my FTC report citing the identification of an error. I am puzzled as to how these accounts were verified by your bureau while other bureaus have successfully removed them. Therefore, I request the immediate deletion of these accounts from my file as they are inaccurate, erroneous, incomplete, or unverifiable. 

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

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666-B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

On XX/XX/2018, I received notification from XXXX that a collection was added to my credit reports. The Collection agency is listed as XXXX and the original creditor is listed as XXXX XXXX XXXX. I reached out to Experian, XXXX, and XXXX, informing them I have a bill from the original creditor listing the past due amount as {$1000.00}. The amount listed on my credit reports was {$1000.00}, it was recently updated by XXXX to reflect {$1000.00}. This amount is still incorrect and should be removed for inaccuracy. Also, the date opened listed on my reports is incorrect. XXXX has XX/XX/2018, the correct date is XX/XX/2018. I have asked each of the bureaus to remove the account due to inaccurate information listed. Experian stated they could remove it but the collection agency could put it back on my report with the accurate balance and correct date opened. This is turn would drop my credit score again, and appear to be a new collection account. XXXX  stated once the account is removed the collection agency would NOT be able to put this account back on my report. XXXX  stated the collection account is not listed on my report. 

I would like for this account to removed from both my Experian and XXXX  reports due to inaccurate information listed. Also, I never received notice from XXXX notifying me of the pending collection. I have attached a copy of the bill from XXXX XXXX XXXX and a copy of my credit report showing the inaccuracy.
Product: Debt collection

Toyota Motor Credit is reporting inaccurate information to the credit bureaus in regard to a fraudulent account in addition they are refusing to remove this negative information from reporting against my name with all the major reporting agencies although they are aware this information is fraudulent. I did not obtain a loan with Toyota Motor Credit nor did I give anyone permission to obtain a loan.
Product: Mortgage

We have been living in our home for XXXX yrs. My husband and i have always paid our mortgage. We received a letter saying that they hadnt received XX/XX/2022 payment. I told them that i had been sending all payments. I asked where was the last XXXX payments i had sent in. They took a look and seen where they did have the payments holding them in suspension. The payments are XXXX every month. Now it is showing that we are 4 months behind, but they is holding the funds. We had two appointments to speak with a Relationship Manager but to no avail. For some reason the phone is treating it like spam calling and its not ringing. We could see that she had called after the call stop ringing, I immediately called back and then i was told that she had tried to call, so they had to reschedule for XX/XX/XXXX at XXXX. We are so confused because the balance is almost what we paid for the house. There is no way humanly possible that it can be almost the same. When i call customer service they said we have two options. We can pay the house off or have it refinanced. The refinance came up after i asked them. We dont know if we should keep sending payments or not. We are lost, stressed and exhausted. The mortgage has been sold several times and we had one modification years ago. They said we wasnt eligible for the one we recently applied for. Please help us
Product: Credit reporting or other personal consumer reports

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than XXXX  days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint regarding an inaccurate late payment reported on my credit report by American Express ( AMEX ), which I believe constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). Despite my efforts to resolve this matter directly with AMEX, their customer service has failed to provide sufficient proof to substantiate the late payment. 

I have made multiple requests for evidence of the late payment, but AMEX has been unable to provide the required documentation or proof of the alleged late charge. This raises serious concerns about the accuracy and validity of the information they have reported to the credit bureaus. 

Additionally, I am deeply concerned that American Express has experienced several data breaches in recent years, including a significant breach in 2023. These breaches may have compromised the accuracy of customer data, and I fear that the erroneous reporting of a late payment on my credit report could be the result of such a breach or internal system failures. AMEX 's inability to provide proof further raises questions about the integrity of their reporting processes and the protection of consumer data. 

I would like to highlight that under 15 U.S.C. 1681, the FCRA requires that credit reporting agencies and furnishers of information, such as AMEX, ensure that the information they report is accurate and verifiable. In this case, AMEXs failure to provide proof of the alleged late payment is a violation of this requirement. 

Furthermore, under 15 U.S.C. 1666b, the FCBA imposes clear guidelines regarding the proper handling of billing errors, including a requirement for creditors to provide verifiable documentation in response to disputes. Since AMEX has not fulfilled this obligation, I believe they are in violation of these provisions as well. 

Given these concerns, I am requesting that the CFPB investigate this matter and assist in ensuring that my credit report accurately reflects my payment history. I would also appreciate guidance on how I can formally dispute this entry with the credit reporting agencies, and ensure AMEX is held accountable for any inaccuracies or violations of my consumer rights. 

Thank you for your attention to this matter. I look forward to your prompt response and any further steps I can take to resolve this issue. 

XXXX XXXX XXXX XXXX
Product: Credit reporting

I recently found that my identity has been used in an attempt to purchase a vehicle. I have not requested any loans for automobiles in XXXX of 2015 around XXXX XXXX. Someone has inquired about my credit XXXX times. I requested proof of request and the information is not being provided and is currently hurting my abilities to obtain a home loan. It seems to be some type of auto group in the XXXX area of Florida.
Product: Credit card

I am writing to formally address and request a resolution for the series of issues I have faced with Citibank. These issues have resulted in significant financial losses, consumed a considerable amount of my time and resources, and severely impacted the operations of my business, XXXX XXXX. Despite nearly a year of persistent efforts to engage with Citibank for resolutions, the bank has continuously failed to adequately address and correct its actions, notably misrepresenting my request for information about the account closure process as a directive to close the account. This action directly contradicted my intentions and significantly limited my agency in managing my financial affairs and business operations. 

Given the circumstances and Citibank 's inaction over an extended period, I seek the following remedies : 1. Financial Compensation : I request {$9900.00} in compensation for the financial losses incurred and the extensive time I have dedicated to addressing this matter.

2. Reimbursement for Fees and Penalties : Full reimbursement for all fees and penalties incurred due to the unwarranted closure of my account, as protected under the Electronic Fund Transfer Act ( EFTA ) and Regulation E ( 15 U.S.C. 1693-1693r ; 12 CFR Part 1005 ). 
3. Corrections to Credit Reporting : All inaccuracies in my credit report stemming from this issue be immediately corrected in compliance with the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ). 
4. Account Reinstatement : The reinstatement of my account or a comparable remedy is necessary to restore XXXX XXXX ' financial operations, which are facilitated by the oversight of the Office of the Comptroller of the Currency ( OCC ) and the CFPB. 
5. Formal Apology and Acknowledgement : Acknowledgment of the error, its profound impact on my personal and business financial well-being, and its commitment to review and enhance its customer service protocols to prevent the recurrence of such issues and ensure better communication and resolution processes for its customers. 

It is critical to underscore that Citibanks response to my inquiry about the account closure process by actually closing the account stripped me of much of my agency, leaving me with little control over my financial and business affairs. This response was unwarranted and unrequested, and Citibank has had nearly a year to review and amend its actions. Yet, the bank has chosen not to do so, continuing to place the responsibility and consequences of their actions onto me, the customer. 

I am thus compelled to seek the CFPB 's intervention to facilitate a fair resolution to this matter, ensuring that Citibank addresses and rectifies the issues in a manner that recognizes their severity and impact. 

Thank you for your attention to this serious matter. I await your prompt response and a resolution acknowledging the undue hardships imposed on me and my business.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX : ACCOUNT # XXXX, has violated my rights. 

I Have requested and investigation from the reporting bureaus to ensure all information reporting to my report is lawful and accurate. They have failed to do this. These inaccuracies are hindering me from moving forward in both my business and personal life. I am unable to move forward with financing for my 3 year established business, I am unable to qualify to buy a home for my family, and cant even get a new car. 

15 USC 1681 section 623 ( a ) prohibits a person from furnishing inaccurate information to the CRA.

15 USC 1681 section 602A states I have a right to privacy.

15 USC 1681 section 604 A : also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions, of crimes which antedates the report by more than 7 years.

15 USC 1681 s-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.