23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Good day, On XXXX XXXX XXXX, 2015 I had to have some papers copied to give to a new landlord the Wells Fargo bank branch that I am a member of was open right before the holiday since, most business were closed and the bank was opened I went in to see if I could get the copies made that I needed and I was able to get the copies made. 

Nevertheless, while I was having the copies made XXXX a branch employee of the Wells Fargo Bank and a new employee started to tell me how getting a secured credit card would help me get the apartment I was looking to move into since I was facing a 60 day evection notice and I was trying to move before the time limit expired since, I am on section XXXX and have a good record and never have gone through an evection and did not want my record to have one. so I went through the intake process for a secure credit card .At the time XXXX tole me he would call me to tell me weather I was approved or not and I left the bank to take care of my business. I never got the phone call so I was under the impression that I was not approved for the card because I did not receive any,1 ) paperwork on the account telling me about the rules and regulations ''. " 2 ) I did not receive a temporary card for the new account ''. " 3 ) And this is the most important issue I have I did not receive the phone call telling me wether or not I was approved for the " Secured Card ''. 

Therefore, when the XXXX U.S. dollars was taken out of my account I was taken back because I did not think I was approved for the Secured Card because I was not notified of the transaction by any means the money was just taken out of my account. 
The next step I took was to call the bank, at which time I was told I need to go into the branch and talk to XXXX so, when I did he said he did call me and that my phone was not working, now the real issue was XXXX did not know to put a ( wait for it ) " XXXX '' in front of a LONG distance phone number ''. '' and that is why he could not reach me ''. " With this kind of mistake I can not do business or I do not want a " Secure Card '' and I asked to have the funds returned to my account and because it was only " 3 '' working days since I had signed up for the Secure card I did not see any reason for it not to be reversed. 

I was told though that they could keep the XXXX U.S. dollars if they wanted but they might take 7-10 day if they return it. 

Finally, this is not right and it was not explained to me at the time I signed the paperwork otherwise I would have declined the card ". " They did this same thing in California and the State Attorney general in that state brought fraud charges against Wells Fargo in similar cases. 

what would you like the business to do to settle your complaintGood day, put the XXXX U.S dollars back into my account in a timely manner and now that I have had to file a complaint they should have to pay interest at 3.5 % which is much lower than if I were using there " Secure Card '' which would be more along the line of XXXX % interest ... 
XXXX XXXX
Product: Checking or savings account

On Wednesday XX/XX/XXXX I logged on to my alliant credit union mobile banking account and noticed I had been assessed a XXXX overdraft fee for a XXXX charge to XXXX. the balance showing currently in my account was XXXX. Alliant credit union did not pay the XXXX XXXX fee and instead assessed me an overdraft fee of XXXX. I then had another charge of XXXX from XXXX coming through and I made a mobile deposit of XXXX. I have never had any issues with any of my deposits going in right away ( same day ). However I made two deposits. OnXXXX for XXXX and one for XXXX. I made the deposits since mobile banking was showing I had an overdraft fee of XXXX assessed even though I still had money in the checking account. This time it said the deposits to get my account back into the positive would be held for 7 days. I called Alliant twice first on Wednesday XX/XX/XXXX to see what charges may have been pending in order for me to be assessed the overdraft fee. The agent I was speaking to had me on hold for over 20 minutes and could not tell me why I was charged that fee. After being on hold for so long I finally had to hang up. I then noticed on Friday XX/XX/XXXX I was charged another overdraft fee however had an avail balance of XXXX dollars. I called yet again to see why I was charged another fee but yet my deposits were being held. they tried saying my balance at one point was only {$50.00} when in fact mobile banking showed {$360.00}. I also asked why my deposits were being held as they do not have Alliant Credit Union banks here so I'm only able to make deposits via the mobile app and they advised me because my account had been " flagged '' for insufficient funds. I asked how did that make any sense if they were going to continue to assess overdraft fees but hold my deposit that I was trying to make to get the account back into the positive? I believe this bank to be assessing fees fraudulently. I had the same issue occur with this bank over 3 years ago with NSF fees. 3 years later they said they did an audit of my issue and determined the fees were assessed incorrectly and refunded them back to me. This bank does not have a location in my state therefore the only way for me to deposit funds is the mobile app. They have never held my deposits before and I was never notified that my account had been " flagged '' per the representative I spoke with on XX/XX/XXXX. I asked for an audit of the fees on my account as well as expressed my frustration with not being notified that my deposits would now be held unlike any other time where they automatically deposited
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I went into a dealership to get a car and used my credit card pursuant to 15 USC 1602 ( l ) making it a consumer credit transaction. The entire credit sale was complete at the signing of the instrument- ( 3-104 ( e ). ) I have noticed that on my credit report that XXXX XXXX XXXX is reporting late payments tarnishing my consumer credit report when the car was already paid for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. MERCEDES-BENZ FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MERCEDES-BENZ FINANCIAL XXXX Date Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Back on XXXX XXXX I sent letters to all three bureaus challenging information on my credit report that did not belong to me. I called each bureau in XXXX. I can remember the exact day and stated that it has been over 30 days and I haven't heard anything about my disputes. Each bureau told me that do to covid that they have XXXX to 60 days. Due to the holidays it slipped my mind that had still not heard anything back about my disputes. I seek out legal advise and was told that I should submit a complaint with the CFPB and that if this did not resolved issue. I explained to attorney that the stuff that was on my report was not stuff authorized or belonging to me and that I'm known victim of Identity theft. Everytime it's time for me to renew my permit in the field of work I do I have to jump through loops to prove who I am. I need the items I'm challenging remove asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting Act, XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX and XXXX XXXX  XXXX # XXXX and XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX and 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: Mortgage

Follow up to CFCB # XXXX and # XXXX. Also see XX/XX/XXXX complaints to CFCB. I am still waiting for Bank of America to take ownership of the management of the status of my closed loan. The status and amount of my loans remain incorrect with all XXXX of the credit reporting bureaus. See attached contradictory letters from Bank of America and XXXX XXXX. Bank of America approved my short sale in XX/XX/XXXX and they are the mortgage institution responsible for updating my credit report correctly but has not done so.
Product: Credit card

Synchrony Bank failed to conduct a reasonable investigation of a billing dispute in violation of 12 CFR 1026.13 and unfairly chose to uphold an off-market return policy, instead of heeding the words of the Massachusetts Attorney General, in violation of the CFPA 's prohibition on unfair acts or practices.

As background, I purchased an item from XXXX XXXX using my Synchrony Bank PayPal Cashback Mastercard. I realized after purchase that the item was visually defective and tried to return the unopened item just a few days after XXXX XXXX 's off-market 15-day return policy. After exhausting my options trying to resolve the issue with XXXX XXXX, visiting multiple retail locations and calling their apathetic and ineffective customer service, XXXX XXXX refused the return, so I disputed the charge with Synchrony Bank. 

Synchrony Bank denied my dispute, so I filed a second dispute providing additional evidence, including ( XXXX ) language from the Massachusetts Attorney General 's website which states, " Defective merchandise must be accepted for return, regardless of any policy '' ( https : //www.mass.gov/guides/a-massachusetts-consumer-guide-to-shopping-rights ) and ( XXXX ) images of the defects, comparing the item I received to a stock photo of the item. Despite this, Synchrony Bank ignored the law and again denied my dispute, choosing instead to uphold XXXX XXXX 's return policy over Massachusetts law. 

I submitted a third dispute which Synchrony Bank most recently denied.
Product: Checking or savings account

They refuse to close my account, asking for a notarized letter to be sent certified mail. This information was not requested to open the account. It is my opinion this is intentionally made difficult for customers forcing us to leave the account open.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute this account on my credit report, which I believe are inaccurate and damaging to my creditworthiness. Despite my repeated attempts to address this issue with your bureau, they remain unresolved. It is evident that your failure to correct this error is a violation of the Fair Credit Reporting Act ( FCRA ), and I am prepared to take aggressive action to ensure that my rights under this law are upheld. 

XXXX XXXX XXXX. 

I demand that you conduct a thorough investigation into this disputed item as required by the FCRA. Failure to do so will leave me with no choice but to pursue legal action against your bureau for non-compliance with federal law. 

Furthermore, I expect the results of your investigation to be promptly communicated to me in writing. Any verified inaccuracies must be corrected, and my updated credit report should be provided to me at no charge.
Product: Credit reporting

The following inquiries were requested to be removed these inquiries are not factual record and they are unauthorized.. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried disputing this collection on my credit report several times. My identity was stolen some years ago and I believe that this is a result of that and was done by a person of similar name. Ive asked XXXX, to provide the documents used to verify that it was me and I havent received anything. 

Please remove from my credit report. 

Thanks
Product: Credit reporting or other personal consumer reports

Please verify and validate debt : 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 trust this letter finds you well. I am requesting verification of the alleged debt, specifically, a copy of the original purchase agreement.Please be aware that the agreement must be with original creditor and signed by all parties involved. I am requesting this because I've had other agencies reach out to me in regards to the same debt. Also I kind request that you also send the following : 1.Verification of the original creditor, XXXX XXXX2.Detailed proof of the amount owed, encompassing any fees, interest, or additional charges.3.Clear documentation establishing XXXX XXXX XXXX to collect this debt.4.Copy of The DEBT Purchase AgreementI am also requesting deletion of all prior reporting made to any of the consumer reporting agencies i.e. Experian, XXXX, XXXX, XXXXXXXX XXXX. Please cease all collection efforts until this allegeddebt is validated as accurate and complete.Thank you for your cooperation in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2017, I agreed to pay a delinquent credit card debt that had been purchased by Portfolio Recovery Associates. The rep I spoke with agreed that the charge off would be removed from my credit report upon payment. I paid it off and received a letter stating that the debt had been settled. Three months later, it 's still being reported on my credit. I 've called and emailed customer service. They all tell me that they do n't do pay to delete and they are not responsible for what their reps told me. They also told me that it was in fact illegal for them to remove it and that only the credit bureaus could do that. Which is a blatantly false statement.
Product: Debt collection

I checked my credit and saw a collection from credit collections USA for XXXX XXXX XXXX in the amount of {$430.00}. I never received any notice of dispute for this item, especially since I was homeless at the time of the service and made sure to make the clinic aware of no medical coverage. I have obtained a PT job and would like to pay {$200.00} to settle and delete this debt.
Product: Credit reporting or other personal consumer reports

Im not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureaus are reporting inaccurate information on XXXX, XXXX XXXX and XXXX XXXX. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, Reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit report. 
Inaccurate Addresses : XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX, FL XXXX ; Accounts : XXXX XXXX XXXX XXXX XXXXand XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card

Discover closed my credit card account for no reason, affecting my credit history. After discussing at forum, I found that the closure of account seems to be discriminating XXXX customers since lots of such " no-reason '' closures happened.
Product: Credit card or prepaid card

I am a XXXX XXXX rewards member with Bank of Amercia, and I have been with them for many years. I received a fraud alert from the bank on XX/XX/2020, with 3 recent transaction listed, asking me if I had made those purchases. 2 out of the 3 were not mine, so I said no and the card was blocked. Since I had credit card fraud happen to me before, I knew I had to look back into my recent transaction history to find the fraudulent charges. I did and filed a claim. Charges were mostly made for XXXX gift cards, which I never buy, and a couple of charges at XXXX and XXXX XXXX in NV. I live in XXXX XXXX and have not left California since the lockdown started in XX/XX/2020. All of the NV charges also say " online '' when I look up the details through online banking. A couple of weeks later I noticed the charges were back on my account and I received a letter from the bank that the claim was denied. The letter said the basis was that I was present at the time of these transactions and also the purchase pattern matched my purchase history. Both of these are groundless, as I don't have a history of buying XXXX gift cards or making XXXX or XXXX XXXX purchases. I had carefully examined my transactions to make sure I find ones that were fraudulent. I called the bank again ( talked to XXXX ) and also sent an email to XXXX XXXX describing the situation on XX/XX/XXXX. I was not given the name of the investigator, nor was I connected to the department to be able to talk to them directly. I had the back re-open the case and they said they'd get back to me soon. This week, I got a voice message from XXXX, a client advocate, saying that the claim was denied again. I have tried calling him and left a couple of messages, but haven't been able to connect with him to talk yet. 
I have proof that I was in CA on the dates of the NV transactions ( for example, My mom and I got our flu shots on XX/XX/XXXX at a XXXX in XXXX XXXX, which is the date of one of the NV XXXX XXXX transactions ). In fact, I can prove that I have been in CA this whole time. I have many meetings during the day ; my coworkers can attest to me sitting in my usual work place at home taking my meetings, and my location can also be proven from the IP addresses of my emails - I work at XXXX, which was formerly XXXX XXXX XXXX. My mom and other friends in the area that I have met in person can also attest to my presence in CA as well. The amount of the charges are a few XXXX dollars in total, so not a big deal for me, but this dysfunction and lack of professionalism and competency is beyond infuriating to me. So I looked up the way in which I can escalate this and this was one of the ways I found. 
I am not sure if this is a result of some kind of discrimination or stereotyping by the back or not. I will be taking every and any legal action possible to fight this. I have come too far to have my time wasted, my rights denied, and be disrespected by incompetent bank employees and/or executives.
Product: Credit reporting, credit repair services, or other personal consumer reports

MymortgagewastransferredXXXXXXXXtoFlagstarBank.DuringthetransitionperiodXXXXXXXXreportedtothecreditagenciesthatmymortgagewasclosed.OfcourseitwasnotcloseditwastransferredtoFlagstarBankbyXXXXXXXX.MycreditreportsufferedbecauseofthisandbecauseFlagstarBankdidnotreportmymortgagepayments.IreachedouttoFlagstarBankandtheysaidtheydidreportitandIbuttheycouldnotshowmeverificationofthis.Iwouldlikethissituationrectifiedassoonaspossible.Thankyouforyourhelp.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The liftoff accounts below has violated my federal protected consumers rightist privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

An according to 15 USC 1681 EB they are supposed ensure this whenever a consumer reporting agency prepares consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S.C 1681 C ( A ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

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


Accounts : XXXX  XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX ; XXXX XXXX ; XXXX XXXX ; XXXXXXXX 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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several accounts on my credit report. The accounts in question are listed below and I have included their associated account numbers : XXXX XXXX ( late payment account ) XXXX XXXX XXXXXXXX ( late payment account ) XXXX XXXXXXXX ( late payment account ) XXXXXXXX XXXX XXXX XXXX ( charge off account ) XXXX XXXX XXXXXXXX ( charge off account ) XXXX XXXX XXXXXXXX ( charge off account ) XXXX XXXX XXXXXXXX ( charge off account ) XXXX XXXXXXXX ( charge off account ) XXXX XXXX XXXX ( charge off account ) XXXX XXXX XXXX ( charge off account ) XXXX XXXX XXXXXXXX XXXX XXXX charge off account ) XXXX XXXX XXXX XXXXXXXX ( charge off account ) XXXX XXXXXXXX ( charge off account ) XXXX XXXX XXXXXXXX ( charge off account ) XXXX XXXX XXXX ( charge off account ) XXXX XXXX XXXX ( charge off account ) XXXX XXXX XXXX ( charge off account ) XXXX XXXX XXXX ( charge off account ) XXXX XXXX  XXXX ( charge off account ) I am disputing these accounts because I believe they contain inaccurate and/or incomplete information. These errors are negatively affecting my credit score and financial wellbeing.