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

I originally signed up for a XXXX in late XX/XX/2022 with the intention of receiving {$250.00} for a sign up bonus that this bank was offering. I met the requirements by depositing {$1000.00} on XXXX & XXXX which met the requirements as stated below : " *Disclosure : Receive {$250.00} when you set up direct deposit to your Spend Balance and receive XXXX ( XXXX ) direct deposits of {$1000.00} USD or more within XXXX days of opening your XXXX Relationship. The direct deposits must be an electronic deposit of the account owners paycheck, pension or government benefits ( such as Social Security ). Limit XXXX ( XXXX ) incentive per customer. {$250.00} USD paid as a credit to your XXXX XXXX within 45 days of meeting promotion requirements. Offer may be changed or withdrawn at any time. XXXX XXXX must be open and in good standing to receive promotion incentive. '' XX/XX/XXXX would have been the XXXX day and the {$250.00} was credited to my account and no one on the XXXX seems to know why. 

It is important to note that XXXX 's current disclosure states that within 90 days it will be paid out but when I signed up the above agreement was the one provided. I have attached screenshots of transaction and disclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry I never authorized and I was not aware of. 
This is the inq. reporting on my XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX
Product: Debt collection

I have a collection with this company with the original credit being XXXX XXXX. I received a quote with XXXX  but was never insured through them to my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan with several companies and they replied they were not able to view my credit report. One company saying they couldn't view the report is normal for normal fraud but all the companies that I tried reported they couldn't view my credit report. I called the reporting company TransUnion and they said the companies could view my credit report. So XXXX XXXX XXXX is lying and others also. I find the constraint of not having a financial market frustrating especially since a bankruptcy just dropped off my record. I cant get a loan no where I tried all listed online. Please, just tell me whats going on?
Product: Credit card or prepaid card

Bank of America Master Card charged a {$25.00} late fee and {$8.00} interest charge for the XX/XX/2020 billing period. 
The United States postal service was extremely slow during this period, as is very common knowledge. Their bill was received late and the payment was also likely delayed. 
My payment did show up on the XXXX invoice, so the payment was not so late. Charging late fees and interest when everyone knows the mails are running slow is in itself a scam. 

XXXX, North Carolina XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I received an email informing me that my loan was 30 days late and I immediately contacted Wells Fargo and was placed on hold for over an hour intentionally. I called back and asked to be transferred to the Office of the President. ( It is important to note that I requested a deferment on XX/XX/XXXX with XXXX and was told that it was approved ). I spoke to XXXX and she informed me that she would immediately initiate a dispute with the credit bureaus and that I would be contacted within 10 business days by an analyst. I did not the wait the 10 days because my credit was being negatively impacted by the erroneous credit reporting and I reached out to the analyst. I spoke to XXXX and he informed me that he knew nothing and was still investigating. I asked him the name of the governing agency for Wells Fargo and he responded that there are many and that I could look it up. I ask him to be transferred to his supervisor and he said that was not an option. I told him that I did not want him to handle my case anymore and he said that he would make that request. I asked him the timeframe and he said that he did not know. I asked him if the calls are recorded and he told me yes. I continued to call back and was finally able to speak to a woman who identified herself as XXXX, a supervisor. She told me that due to the holidays that she was having a difficult time tracking down anyone in the deferment department but would contact me directly and keep me posted. She called me again on XX/XX/XXXX and said that she reached someone in deferment but did not have anything tangible to report and would be in touch. I hired an attorney and he told me to contact the credit bureaus and file a dispute for the XX/XX/XXXX late payment which I did. On XX/XX/XXXX, I called Wells Fargo customer service and spoke to XXXX and he informed me that even I requested the exception deferment on XX/XX/XXXX that XXXX dropped the ball internally and never actually approved the exception at all and that is why Wells Fargo marked my XX/XX/XXXX payment 30 days late. I explained to him that I pulled credit report that same day and that they also reported my XX/XX/XXXX payment 30 days late as well. He said it's not even 30 days late yet. I told him that I am looking at a written copy of my credit report. He said that Wells Fargo actually approved the exception deferment on XX/XX/XXXX when is was supposed to be approved on XX/XX/XXXX. The Office of the President still has not shared that information with me and I am waiting on a letter that confirms all of that information. XXXX finally called me back yesterday and I told her that I spoke to another rep in customer service and she told me that had an emergency that prevented her from calling me back sooner. I told her that I have hired an attorney and plan to sue Wells Fargo Dealer Services because it is also worth noting that it is not the first time that they did this to my credit after approving a deferment.
Product: Credit card or prepaid card

I received an invitation From XXXX XXXX the issuer Wells Fargo I have a fraud alert my application is on hold for days when I call them they dont know what to do to verify my id entity and approve my application this is ridiculous they claim its a new product and they still are fixing their systems and my other application also they have to complete verification for both of my applications to approve me I applied for my bilt XXXX and my reflect credit card its not fair
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent two update letters to XXXX, XXXX, and Equifax to update my personal information. I sent them two letters repeatedly asking them to remove the old, outdated addresses, phone numbers, and work information. Some of the information on my credit report is for addresses where I have never lived. They never removed the address and work location, so now I am filing a complaint against all three bureaus for not removing the old, outdated information, and the credit bureaus are not reporting 100 % accurate information, which is also against the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am disputing the account XXXX XXXX XXXX. I have repeatedly asked for validation of this debt because the debt holder is charging interest and fees without providing a billing statement for fees or a contract that I have yet to receive. Under the rules of the FDCPA this creditor must follow the terms of the original contract as far as what fees can be added to the debt. I spoke to the original debt holder XXXX XXXX XXXX on XX/XX/2020 and was told there are not supposed to be any additional fees added to the original debt. I am enclosing the multiple requests I made to the 3 bureaus for a validation of this debt and I have also contacted the debt collector and no one has provided me a copy of the original contract. The bureaus have stated the debt has been verified as accurate, how are they verifying the debt if I can not get a copy of the original contract and I am the consumer. I am also enclosing a copy of the 3 bureau report to show inaccuracies that XXXX XXXX  is reporting and the credit bureaus have continued to allow this company to report this account with inaccuracies and without a fee statement as to why this balance has increased without notifying the customer. Experian has ignored my requests for proof of how they verified the account as accurate. I am asking for a deletion due to the inaccuracies and failure to provide an original contract and unauthorized charges and fees. I have also sent proof of my identity with a notarized copy of the ID.
Product: Debt collection

To Whom It May Concern, I have been dealing with this company for a few months now, corresponding back and forth regarding my current debt. I am yet to receive any definitive help concerning my situation. I ask specific questions about this debt which I am accused of owing. I sent them a letter of validation with specific questions in order to provide them with an opportunity to prove that debt does in fact belong to me. The only response I got was an automated XXXX. Apparently, they have contacted the original creditor and hold a copy of the bill from the original creditor. I did receive this copy and was informed that this should be considered proof that the debt belongs to me. I have advised them that I will be filing a complaint with the XXXX also the FTC and the Attorney General 's office. I ask for your help towards figuring out the next steps in resolving this matter. Any assistance you can provide will be greatly appreciated. 

Thank you, XXXX XXXX
Product: Debt collection

LVNV was notified in XXXX that the account did not belong to me. LVNV ( XXXX XXXX was asked for proof that this account was opened by me. 

The only information I received from LVNV ( Resurgent ) regarding this account was the name of the original creditor, account number and that I owed a balance. 

I waited approximately 30 days to allow for further correspondence but it was never received. 

I followed up with LVNV ( Resurgent ) to ask for the status and they advised that the original Supervisor XXXX didn't properly document the dispute and send the necessary documentation. 

A copy of the FTC Identity Theft affidavit was sent to LVNV electronically and was acknowledged by XXXX XXXX. After that acknowledgement, I contacted LVNV to inquire when the account will be closed and the tradeline deleted from the credit bureau. LVNV continued to try to collect on the account despite knowing that it was identity theft.

LVNV has rejected the credit bureaus request to investigate/delete the tradeline. 

As a result of this account, I have been denied my mortgage loan and have suffered monetary damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX {$87.00} XXXX   XXXX {$290.00} XXXXXXXX XXXX XXXX {$720.00} XXXX   XXXX  XXXX {$110.00} XXXX  XXXX  XXXX {$590.00} XXXX   XXXX  XXXX {$670.00} XXXX  XXXX  XXXX {$220.00} XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX {$23.00}
Product: Credit card

Hello, I have a kohl 's credit card, and last month I paid my account off in full online, Two days later they made an attempt to charge my bank account the same amount again. It caused me an overdraft fee of {$35.00}, so I tried calling them and asked them why they would double-charge me. They claimed that I authorized those XXXX payments which is n't true because I did n't owe Kohl 's anything.to pay on they even wanted to charge me a returen check fee which a manager said later that she wont
Product: Credit reporting or other personal consumer reports

While reviewing my credit report, I noticed unauthorized and unverified hard inquiries on my credit report that need to be removed immediately under the FCRA. 


XXXX  Date of Inquiries : XX/XX/23 & XX/XX/23 Equifax Mortgage Date of Inquiry : XX/XX/23
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I entered XXXX XXXX located XXXX XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX. I talked with XXXX about my concern with inaccurate information being reported in my consumer credit file and requested a copy of the original installment contract along with payment history. XXXX stated that the original contract is files kept by XXXX XXXX corporate office but she would need time to get the payment history. I told her I would return on XXXX XXXX XXXX and pick it up. After leaving the store XXXX calls me on my cellphone. She gives me a breakdown of the account that she told me when I was present in person she needed time to get that information together. According to the verbal conversation and I have included in the documentation upload the chargeoff amount is incorrect, the account status is incorrect. On the credit report Repossession shows as account status but clear from their own proof it shows account status as CHG Off. Collection status is incorrect. The date of account opening is questionable due to two dates showing XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX shows payment XX/XX/XXXX shows Invoice so which date is purchase date? 

I have disputed this information with TransUnion and somehow they seem to tell me this information is verified and accurate and I want to know how is this possible when the documentation from the creditor themselves proves otherwise.
Product: Mortgage

I contacted 5/3 Bank when I became very passed due with my house payments. I sent them a packet of information they requested and was contacted online by XXXX of their processor an XXXX XXXX who became my contact person at 5/3. I became quite concerned with the time it was taking the bank to process paperwork, and I told XXXX that the bank needed to hurry because I was to appear in court over this issue. She told me that since my home was in the process of a possible modification / workup .... that there was no court dates I needed to attend. I repeatedly asked this again and was told no court. My problem was that the lawyer from 5/3 did go to the court date and it appeared that I did n't based on this employee from the bank 's information. At this time the bank then began making decision about my home legally and even sold it in a sheriff sale on XXXX XXXX, even after I was able to get a XXXX settlement conference scheduled from the Judge based on the email issue. While the XXXX settlement conference was continued for my husband 's " Hardest Hit Funds '' to arrive from the federal government, 5/3 when ahead and held and unlawful sale of my home and is now planning an eviction.
Product: Debt collection

I had written to exqufix many time with a police report and affidavit that the debet is not mine. I gave the company ( Exqufix ) all the proof they asked for and more, still the company ( Exqufix ) will not do is right. The medical bills on my credit report is not mine, due to I.D . theft. I need you help and can you tell me how I can -sue- the company - Exqufix. Also all the ( hard inquries ) on my credit report is not mine, some tried to open credit in my name, i never gave anyone permission to run my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! Accounts to be deleted : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called transunion on today XX/XX/XXXX and spoke with a lady. XXXX agreed that 2 inquiries did come off of my credit report however she does not know why my credit score has not moved. This is hinder my attempt to get positive credit and the fact that they can not give an explanation as to why it has not moved my credit score up does not make sense. 2 inquiires came off of my credit report. One from XX/XX/XXXX from XXXX and another from XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your time in addressing the removal of fraudulent items from my file resulting from alleged identity theft. However, there are still remaining items that require attention. As a victim of identity theft, I am requesting the removal of these items from my credit file, as per FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates their removal no later than 4 business days after XX/XX/XXXX. This issue was previously addressed in my previous correspondence, and I am reiterating it here along with my new FTC report # XXXX. Furthermore, the information provided regarding these items was still unknown to me, and items from other bureaus have already been removed, raising doubts about their accuracy. Please remove the following items resulting from alleged identity theft : EXPERIAN : XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- XXXX XXXX XXXX XXXX CT XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. This communication serves as a final warning. Failure to remove the listed items may result in legal action. I have informed my attorney of my intentions, and they are prepared to pursue legal recourse in the event of willful noncompliance.
Product: Mortgage

I previously filed bankruptcy, and reaffirmed my mortgage loan through U.S. Bank and kept the mortgage. Now, the bankruptcy case is closed but U.S. Bank is refusing to ever report the loan again, despite a representative from U.S. Bank signing the reaffirmation agreement to keep the loan, which officially REMOVED the account from bankruptcy and the bankruptcy case being closed.
Product: Checking or savings account

I was a new small business owner when I opened the account and was not saavy about all the " fine print ''. Chiefly, that I gave approval to have charges covered on insufficient funds. 

My bank is Berkshire Bank in XXXX, VT. 

From late XX/XX/2024 until today, I accrued close to {$600.00} in overdraft and " continuous overdraft fees '' for recurrent payments. I have struggled with online banking and am not fully adept at doing all the account monitoring that banks presume everyone is equally able to do. 

I was specifically not monitoring my account when I was out of the country and sick XXXX XXXXXXXX. 

I first spoke with the phone center and then the local branch manager about some degree of forebearance on these amount of fees, and at best they said they could reverse it by only 1-2 fees which is only about 10 % of these fees. 

I am curious what happened to the political momentum to examine these every increasing fees structures that enrich corporate banking at the expense of consumers. I would call this a form of price gouging. I am willing to admit culpability in my poor financial management, but I think this level of fees does indeed prey on the less astute and less technologically inclined of us. 

Is there anyone I can contact about this issue for greater protections. XXXX? 

Thank you for your help. 

{$580.00} fees of a {$770.00} overdraft. A pretty nice profit margin. I certainly can not do the numbers but how many financial institutions have taxpayers helped out? 

XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was informed of the mishandling of the Zelle account associated with XXXX XXXX. Ive used that account for several years unaware of the lack of security. Account # XXXX Routing # XXXX
Product: Credit reporting or other personal consumer reports

This will be the third time I am formally filing a complaint against XXXX XXXX. I have informed them countless times that the account was opened and used fraudulently. Furthermore, I requested for them to remove the account from my credit report. It was removed for a time period then added again. I have filed a police report and identity theft report stating this. I have submitted from XXXX and can also be verified by XXXX XXXX and third party companies that my information has been STOLEN in a BREACH. This includes my physical address, email address, phone number, and social security number. This is the ONLY company who has REFUSED to remove their account and continues to target victims. I will continue to file complaints every single time they refuse to remove it and I REFUSE to pay a dime for an account that does not rightfully belong to me. I do not care if we have to do this for the 7 years that it will have to be removed anyway.