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

On XX/XX/2018 I had about {$190.00} in my Wells Fargo checking account. There were no posted check that day for {$300.00}. I checked my account frequently and there was nothing posted so my account still had money in it. There wasn't even a pending transaction for that {$300.00} check at all. The last time I checked my account on XX/XX/2018 was right before midnight. There was still no check posted and I still had about {$190.00}. At about XXXX today XX/XX/2018, I saw my account was - {$100.00}. No big deal, I will get the money into my account before XXXX to avoid an overdraft fee. I went to the ATM at about XXXX in XX/XX/2018, before the XXXX grace period was over, to deposit {$100.00} into my account only to learn that Wells Fargo has already charged me an overdraft fee of {$35.00}. I looked at my account online and it is stated that the {$300.00} check posted yesterday on XX/XX/2018 when that is not true at all. The check posted today on XX/XX/2018 but it says differently online. I find it unfair and a lie that Wells Fargo has done that. They insisted the check was posted on the XX/XX/XXXX when it did not show up on my account until today, XX/XX/XXXX. Wells Fargo refuses to refund the {$35.00} overdraft fee ( I don't make a lot of money so {$35.00} is a significant amount of money for me ) stating that the reason is because of my history of overdrafts. I may have overdraft more than once with Wells Fargo, but I managed to to bring my balance to at least {$0.00} before XXXX. Yes, I wish Wells Fargo would refund my money, but I find it much more alarming about the unfairness of Wells Fargo stating a check was posted on a day before it actually was posted as well as the unfairness of stating I have a grace period up until XXXX to deposit money to avoid an overdraft when in all actuality it wasn't given to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all incorrect information on my credit report with Equifax. checking my file is alot of invalid data that is hindering my file. please update and remove the information requested all files are submitted.
Product: Credit card or prepaid card

During the month of XXXX, I received notification that Synchrony bank had closed 11 credit card accounts all at once. Their reason was because someone decided my accounts were indicative of risk. I have never missed a payment, never paid late, never went into collections on any of these accounts. I simply used the accounts and try my best to pay them in full as often as possible. Sometimes even making multiple payments per month. 

I called and spoke to a representative on XX/XX/XXXX named XXXX. He was an account XXXX. Upon review he said he did not know why the accounts were closed. He told a look at my credit and saw I did not have any delinquencies or collections. He asked about bankruptcy at which time I told him I have never filed for bankruptcy. In fact, I am in the process of buying a home and these account closures were going to adversely affect my credit. He said he would open an investigation and it take 30 days. It has been over 30 days and I have not heard anything so I called back. I spoke to another representative that could not offer any help. 

These account closures caused my XXXX XXXX to drop by XXXX points. I have since reapplied for new accounts on 3 occasions and all 3 were approved.
Product: Student loan

XX/XX/2021 I spoke with XXXX XXXX representative about co-signer release. The representative verified that the loan meets the required payments ( 48 on time payments ). However, because they are being sold to XXXX, which is really NELNET, a big education loan holder, they will not take the application until the change takes place. 
The earliest I could apply for this is XX/XX/XXXX. The representative indicated that it would be just a matter of filling out the application. 

XX/XX/2021 I contacted XXXX the first week that I could inquire about the co-signer release form. Due to being backlogged from transitioning from XXXX XXXX, the XXXX representative stated that I would not hear back from them regarding my request for a co-signer release application until at least XXXX. 

XX/XX/2021 I received a letter from XXXX stating that I did not meet the requirements for the co-signer release application due to delinquent payments from almost a decade ago. This completely contradicts what I was told by the original lender, XXXX XXXX, and, due to a backlog, my request was backlogged and now void under the new rules of the new loan holder, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received any result of the investigation and my complaint was closed. Again these are the account appearing negatively on my report and I demand that you do an investigation and delete these Items from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting

I have been disputing fraud activity on my report and I am having a hard time getting them removed. I have sent in all information needed as far as a police report and all my proof of identity. I have paid off all of my debt and should not have anything negative reporting at all due a home loan to pay off everything in 2013.
Product: Credit card

At the middle of XXXX i paid off my account to XXXX  balance then they charged me interest in XXXX after the balance was paid off
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Uknown Inquiries are reporting on my Experian, XXXX, and XXXX reports. I have filed Identitytheft, and will attach FTC report. The following inquires are what needs removal. 

Experian : XXXX - XX/XX/XXXX XXXX : XXXX XXXX - XX/XX/XXXX XXXX XXXX Bank - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX : XXXX - XX/XX/XXXX XXXXXXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my consumer credit report from your bureau and wish to dispute the completeness and accuracy of certain information. These erroneous information is negatively impacting my credit report, and I request that you promptly correct them. 
I trust that you will conduct a thorough investigation within the next 30 days. Following your investigation, please provide me with an updated credit report, along with the names, addresses, and telephone numbers of the individuals contacted during the process. 

I insist that you immediately cease reporting these accounts as late on my credit report. Failure to comply with this request may result in legal action against your agency. 


These information I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am repairing my credit. I checked my credit on XX/XX/2021 and discovered this company on my credit file. I have no knowledge whatsoever on this company or the debt. I have not received any type of notification on this.
Product: Credit card

I replaced my HVAC in my home in XXXX of XXXX. I took out a Wells Fargo ( WF ) XXXX XXXX line of credit to pay for this. it had a special promotion of 0 % interest for 18 months. The installer showed me a figure of the total cost and monthly payments. The payments seemed a little low to me so after a month or so, I called WF to clear up the conflicting information. A representative of WF in that call told me that the minimum payment listed on the statement was adequate to fulfill the terms of the promotion. I don't think it was malicious or underhanded, I think it was a genuine mistake. But that mistake has cost me over {$4000.00} in interest charges in the last XXXX months. As an XXXX XXXX XXXX, I'm not exceptionally well off. This is a lot of money for me. 

I don't take issue with the interest they're charging me, per se. My issue is I was told ( incorrectly ) by a representative of their company that I only had to pay a certain amount per month to fulfill the terms of the promotion. I called WF and requested a refund or partial refund but they seem uncaring and unmoving, albeit kind. I'm willing to pay the interest that has accrued since the promotion has ended, but I feel duped by a WF employee into paying for the entirety of interest on the loan. I feel that my trust in WF 's institution was taken advantage of. 

I don't know what good this can do, but I hope something can come out of it. Please feel free to reach out to me for any information required. 

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

After reviewing my consumer report with Clarity Services I noticed that there is inaccurate address reporting on my consumer report. This inaccurate address must be removed off my consumer report as its not deliverable to me by the US postal office and it not reportable as per FCRA section 623 since they are inaccurate.

Attach are documents of my State ID and recent bank statement displaying the proof of my accurate address. I need clarity to update my consumer report to the correct address Im giving proof of.
Product: Debt collection

THIS IS NOT MY DEBT AND I AM NOT THE PERSON THEY ARE TRYING TO CONTACT.

NCB Management has repeatedly, often daily, called my workplace asking for someone named XXXX, who does not work here. I have told them repeatedly that XXXX does not work here, that I do not know such a person, and that they are calling a workplace and need to stop disrupting my work. However, they have completely ignored my requests for over one month. The repeated harassment is disruptive, infuriating and against the law.
Product: Checking or savings account

Hello. On XX/XX/2022, I purchased two products from XXXX for curbside pickup. One product was picked up but the other product was out of stock so it was cancelled. The one product that was picked up was returned in store due to poor quality. My bank named Chime had charged me again for the one product that was returned and refunded and then charged me again for the product cancelled. The transactions kept going from pending to settled within a matter of seconds right before my eyes and before the Chime bankers eyes while on the phone with him. He had disabled my card without my approval shortly after. I was charged for a full amount of {$150.00} when I have no products in hand from XXXX whatsoever. Chime has literally stolen my money since my account is frozen ( without approval ) and no pending transactions can be processed now.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my Equifax report from XX/XX/XXXX : XXXX XXXX with account XXXX  XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but Equifax failed to perform an investigation and delete the disputed information.
Product: Credit reporting or other personal consumer reports

Unknown accounts. Fraudulent accounts Unknown medical collections/ Charge Offs Florida Department of Revenue Child Support XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I had a secured credit card through Orchard Bank, XXXX $ deposit, XXXX $ credit limit. Orchard apparently sold their accounts to Capital One a couple years ago and I have been paying them since and have paid them off now. I called to ask about my deposit and they said that they have no record of my card ever having been secured and have no record of my deposit. On line, I see that there are many others that this has happened to as well. I would appreciate receiving my XXXX $ back.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion : In XX/XX/2020 I factually disputed 4 medical collections shown on my report. TransUnion mailed me my investigation results clearly starting that all the collections I disputed were DELETED from my credit report. 
I followed up by pulling my TransUnion report again there following month and the collection items that I had factually disputed were not deleted from my credit report, as TransUnion 's investigation results mailing started they were. 
So, in XXXX I CALLED TransUnion & spoke to a rep, provided here with all account # 's & amounts for the collections they claimed to have deleted from my report & she ASSURED me that those 4 collection accounts were in fact, deleted. She said she would send me my credit report which I recieved within that week & those 4 collections are STILL reflecting on my TransUnion credit report. 
Not only are they not deleted as TransUnion promised they were twice ( by mail & by phone ), in the 'Remarks ' section of each collection, it does not even state " Account Info Disputed By  Consumer '' as it should & that in itself is a violation. I was led to TWICE by TransUnion & this is affecting my ability to obtain a home loan to provide a stable life & housing for my young XXXX & I.
Product: Money transfer, virtual currency, or money service

I have been trying to log in to my Robinhood account for the past week. Despite following the Robinhood apps instructions on log-in and password reset, the Robinhood app does not allow me to access my account. As indicated by the screenshot attached, the app says it could not find my account. It is critical I receive full access to my account as soon as possiblewith the exact amounts in the account as I had last checked.

I have contacted the Robinhood support services but have only received a generic response and nothing pertaining to my specific case.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX I called back the collection company, ALDOUS & ASSOCIATES Atty at Law XXXX XXXX XXXX XXXX, UT XXXX XXXX, and had a conversation for about XXXX. and XXXX seconds in an attempt to find out what this call was regarding. The individual hung up the phone call with me. 

XXXX XXXX XXXX XXXX XXXX XXXX I called back and again attempted to obtain information regarding this account. I had a conversation with the person for XXXX. and XXXX seconds with the receptionist again hanging up on me. 

I have never received any letters from this company but received emails that I responded to numerous times and have them documented. They responded after my 4th attempt to call them. I was unable to as I been unsuccessful in the past. I requested in the email communication to send me a letter with any correspondence at this point to no avail.
Product: Debt collection

I received a bill from XXXX in the amount of {$120.00} in XXXX of XXXX for a " missed appointment '' fee. However, I did not miss any appointments. I attempted to contact XXXX  via telephone in XXXXXXXX XXXX  XXXX and also in writing on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, with NO RESPONSE from them. 

I received a collection notice from Merchants ' Credit Guide Company on XX/XX/XXXX for the amount of {$120.00}. I completed the dispute portion of the collection notice and returned via US mail on XX/XX/XXXX. In addition, I sent a detailed request for verification of debt and dispute of debt to Merchants ' Credit Guide Company dated XX/XX/XXXX. 

I requested the verification and submitted my dispute, again NO RESPONSE. I received an alert on XX/XX/XXXX that I have an account in collections on my credit report from Merchants ' Credit Guide Company in the amount of {$120.00}. 

I never heard back from XXXX and I never received a response from Merchants ' Credit Guide Company regarding the verification of debt and dispute I submitted via USPS on XX/XX/XXXX. 

The fact is I have showed for every appointment, I do not owe this amount of money to XXXX, and this is an obvious billing error that no one will respond to me to correct the issue. Merchants ' Credit Guide Company ignored my request for Verification and Dispute. 

I maintain nearly an 800 FICO score, I pay my debts that I owe on time, I do not allow accounts to go into collection, and I have been a customer of XXXX for nearly 5 years without instance. 

I request that Merchants ' Credit Guide Company respond to my verification of debt and dispute letter with the information requested, including and signed agreement for the debt obligation which is the subject matter of this dispute, an explanation of how this amount was calculated, proof that the debt is mine, and proof that I did not show up for the scheduled appointment at a minimum. 

I know Merchants ' Credit Guide Company received my letter of dispute and verification of debt request because of the note that was placed on my credit report. Disputed/ FCRA compliant. 

I don't have issue with paying debt that I owe, but this is not my debt. If it was my debt, would it be logical that I would let a {$120.00} bill negatively impact my credit? No! This is a perfect example of Merchants ' Credit Guide Company parking debt.
Product: Vehicle loan or lease

A new vehicle was leased with an open recall. Per the XXXX there was a recall opened on XXXX. The vehicle was leased XXXX. The lender, which is also an arm of the manufacturer, has failed to assist in any meaningful matter and has shifted the blame. It is my understanding that new vehicles with open safety recalls may not be leased or sold. This is a federal law, and it is criminal. I am asking that the lender do their job to investigate fraud that occurred during the initiation of this loan. 

There were also issues with the financing. I was preapproved and filled out an application, but at signing they raised the the monthly payment by {$200.00} with no real explanation of why this differed from the pre-approval. I believe there may be additional financial crimes that need investigated as well. 

There was a car protection package that the lender couldn't find. The dealer then told me I didn't buy it, so I had to buy another one. The dealer was supposed to refund it after I proved I did pay for it. That's {$1700.00} missing that is supposedly " check is in the mail '' but nobody can actually confirm. 

I don't know what Chrysler pulled with all this, but I do know I {$1700.00} protection package became an issue of confusion, the vehicle was illegally sold with an open recall, and the lender and dealer only want to blame each other.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX # 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 reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

On XXXX, I was charged again for a XXXX XXXX monthly bill. This overdrafted my account to - {$120.00}. 

I was unable to get the account to {$0.00} or positive by the EOD, and the following day the overdraft fee made the balance a - {$160.00}. 

My only way to get the account back to {$0.00} or positive is to wait for my income. It is a bi-weekly payday, which falls on every other Wednesday. By the time my payday came on XXXX, I had racked up or incurred ( 3 ) overdraft fees. When I reached out the next business day, they pleasantly informed me that they would not be able to help me out which was a rather large surprise. In my XXXX years of banking experience as a customer, I have never had my overdraft fee not returned and I have had XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX now XXXX, and Citizens now XXXX 

Reviewing online, it seems to be public information that it is not legal to charge an overdraft fee and then not return the fee once the account is brought back to positive. My financial advisor advised that I file a complaint with yourselves, The CFPB, once I shared that my bank had refused to refund the ( 3 ) fees.

Citizens Bank, for the first time, is saying we give each account ( 1 ) courtesy return on their overdraft fee and I do not qualify as it has been used. I argue that this " rule '' is made up. As proof, I attached a screenshot from my email showing ( 9 ) times that Citizens has rebated the overdraft fee on my account, and multiple times there were ( 2 ) or ( 3 ) overdraft fees returned at the same time such as in XXXX, XXXX and XXXX. I would like the fair treatment that I received earlier this year to be honored and continued.
Product: Debt collection

This is so annoying & frustrating. Ive sent TransUnion multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In TransUnions responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6000.00}, XXXX XXXX Date Opened : XXXX : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$62000.00}, XXXX XXXX XXXX Date XXXX Balance : {$0.00}, and XXXX XXXX ( Original Creditor : XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}. Please delete immediately.
Product: Debt collection

This company AFNI is putting a collection account on my credit report for a debt that is not mine. They listed the debt for 2017 from XXXX XXXX however I have not used their services