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

I paid for gas when I had fund available and it posted after the rest of my money was spent causing an extra over draft fee Transaction was made on {$33.00} XX/XX/XXXX and posted XX/XX/XXXX making my account more negative than what it shouldve been {$24.00} was made on XX/XX/XXXX and cleared on XX/XX/XXXX causing a {$20.00} overdraft fee {$300.00} on XX/XX/XXXX they allowed the transfer to go through when I only had XXXX incurring another fee
Product: Debt collection

I would like to report yet another FDCPA violation by Mullooly Jeffrey Rooney & Flynn XXXX ( XXXX ) First off, I would like to note that this is not a duplicate complaint. This is a new instance of XXXX breaking the law. Despite being advised otherwise, they seem not to care, and flip the figurative bird at the law and propriety. 

As you know, under the FDCPA a debt collector is required to send any letters as " Personal and Confidential '' and not display anything on the letter that would indicate it is from a debt collector. 

XXXX violated both of these clauses of the FDCPA today. 

I'm attaching a picture of the letter they sent. It's not marked personal and confidential, but it does clearly display the name of XXXX, a known debt collector. 

Both of these items are violations of the FDCPA. 

Further, although not a violation of the FDCPA, I have asked XXXX multiple times to stop mailing my home address. I live in a small town on a busy road. Mail often goes missing, and it's problematic that they are doing all these things, without care, especially after being told multiple times to stop.
Product: Debt collection

I am disputing account number XXXX ( Balance {$160.00} ) with American Capital Enterprises because I have sent several dispute letters to the credit bureaus and it comes back verified every single time. I have contacted American Capital Enterprises to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.
Product: Mortgage

I applied for a FHA loan with Guaranteed Rate, everything was going smoothly. Due diligence was scheduled to end on XX/XX/XXXX, suddenly on the XXXX Guaranteed Rate said that I would need a co-signer to be able to get the loan. I started shopping for other companies that would be able to close the deal. XXXX XXXX took a look at everything and said that they will definitely be able to work with me. I called Guaranteed Rate at XXXX XXXX on XX/XX/XXXX and asked them to transfer the file over as I can't find a cosigner. Around noon XXXX of Guaranteed 's employees emailed XXXX saying that they would need something in writing from me to authorize the transfer, I immediately responded around XXXX stating as such. I called Guaranteed  to make sure that everything was being handled, and was told that XXXX was working on transferring everything over, this was around XXXX XXXX. At the end of the day XXXX 's underwriter pulled the file and was going to begin working on it, this is when it was discovered that someone at Guaranteed had filed in the FHA portal that I was denied due to lack of income and funds. This is false information, I have the cash on hand needed for closing, and work a full time job that makes more than enough to cover the mortage, utilities, and cost of living. At no point did any employee of Guaranteed Rate say that I was denied until magically receiving an email dated XX/XX/XXXX. This is obviously in retaliation of my pulling the file from them and going with another company.
Product: Credit card or prepaid card

I had some fraudulent activity on my account on my account in XX/XX/2018 statement. I disputed the charges and they were all ruled in the merchants favor. Afterwards I sent a certified letter asking for the evidence that led to their decision. However I never received and of that information.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union 's website!!!! I have had problems with this website for 2 and 1/2 years. I have spent hours trying to use any and all of their services concerning me. Whether it is updating info, requesting credit reports, disputing items on the report and etc. If the website lets me sign in ( that is a problem at times ) and if the website allows me to do, ask for, or change something it always end in " We are having problems.Login later. '' When I login again the website will lock me out or not accept my login info. So to get done what I need to do, I have to call Trans Union on the phone. That is a problem in itself, the telephone number has changed or some reason the number is wrong, etc. Finally I get through to an agent, ask to have whatever done and am told they will handle this through the regular mail ( which takes longer to do ). The agent is very nice and does what you want done but it would be so much easier and quicker if the website would work right. Of course the agent transfers you to website assist to get the website fixed but that is where everything goes wrong. They do not believe you know how to use there website and will not take a complaint or say they will take a complaint and someone will call you back about this. Nine out of ten, nothing changes. Might I added one more thing? I use a chrome book and some websites to not like chrome books. I have had to change my email address because of this. This might be Trans Union 's website problem but who thinks a XXXX year young woman knows what she is talking about ( that at time is a problem ).
Product: Credit card or prepaid card

I was recently denied a credit extension by DISCOVER who discriminated against when I applied for a credit card.DISCOVER took adverse action against me.included are both my proof and evidence of the violations commited.
Product: Mortgage

Per Letter ( attached ) dated XX/XX/20, credit was updated as of XXXX XXXX regarding no deliquencies. My credit has not changed otherwise and my score is down significantly since this happened. I am being reported 60 days late to the credit bureaus still for the month of XXXX, which is after the servicing period and reported after you XXXX letter ( assuming it was reported in XXXX XXXX. Per my most recent credit report, instead of reporting pays_as_agreed, XXXX  is reporting : Account Status NOT_MORE_THAN_THREE_PAYMENTS_PAST_DUE XXXX  is reporting me current in XXXX, and 60 Days late in XXXX, which would have been reported after the XX/XX/XXXX letter. XXXX  is reporting & gt ; Account 60 Days Past Due Date & lt ; I don't have access to XXXX, but expect that their information is erroneous as are the others. Transunion credit timed out while I was writing this and unfortunately don't have the report, but the language above was copied from their site and I have printed and marked the other 2 reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : Original Creditor : XXXX XXXX XXXX  XXXX XXXX
Product: Credit card

I signed up for the Barclay XXXX Card because it was advertised to me as having " no foreign transaction fees '' for purchases made abroad. This was represented to me in writing multiple times. However, I recently discovered that the card applies a " foreign currency fee '' for all transactions abroad, although this fee is hidden and is simply incorporated into the amount shown on my bill without any separate line item. I have documentation that I have been charged these fees by Barclay 's customer service and their absurd distinction between a " foreign transaction fee '' and " foreign currency fee ''. The whole reason I got this card was so I could use it abroad and now they 're charging me a fee for using it abroad despite multiple written assurances that XXXX of the benefits of this card was no foreign transaction fees. I have used this card for multiple years, on mutilple trips abroad, all the while paying these fees without knowing. Cumulatively, this 1 % fee has cost me over {$100.00}.
Product: Mortgage

Original loan XXXX XXXX XXXX XXXX New loan number XXXX I originally spoke with XXXX XXXX on XXXX  at that time my credit report was ran. I was approved, after not hearing from XXXX for over a month. He was out sick for 3 weeks. After reviewing the title company information of the amount of over {$10000.00} being paid to them. I went back to XXXX and ask if I could add my spouse for income purposes. I was informed that my spouse credit score would need to be XXXX, it was XXXX XXXX said that he could not remove my spouse, he would need to do so manually, to avoid entering a new application, and it should take no more than 2 days, and that he would call me back. He never called, so upon calling him back the following week XXXX was out of the office, so I emailed his supervisor XXXX XXXX, which informed me at that time I was misinformed, and that she apologized for the inconvenience, she would make sure that I was locked in at the same rate, but would have different advisor take care of my application moving forward, by the name of XXXX. I spoke with him that day only, upon calling back he was never available, so I switched back to XXXX XXXX. Who started a new application around XXXX and told me he had everything, and to only send an updated paystub, which I did, while on the phone with XXXX, and he also requested for me to pay another appraisal fee, which I did. By the end of the call XXXX told my closing date would be on XXXX, due to my information already being verified, and processed. I called XXXX on Friday, and again on Monday XX/XX/XXXX to confirm closing, and he said yes you are all set to close on XXXX I felt to call him back again today XXXX. XX/XX/XXXX At that point XXXX said they ran into a problem, my credit report expired. Keep in mind I file a complaint at the Bank last month with the resolution department,
Product: Credit reporting or other personal consumer reports

I received Remedying the Effects of Identity Theft information mailed to me.
Product: Checking or savings account

To the Consumer Financial Protection Bureau, I am reaching out to express my frustration and concern regarding Wells Fargo 's handling of disputed charges on my account, which I believe fails to comply with federal policy standards for consumer protections in claims and charge disputes. 

On XX/XX/2024, I contacted Wells Fargo to report irregular charges on my account. Given that I primarily use this account for transferring funds to myself through XXXX XXXX and for paying individuals working on my home, I had not noticed these unauthorized charges until recently. Upon discovering them, I immediately contacted the bank, had the card deactivated, and attempted to initiate a dispute. 

Throughout this interaction, I observed a dismissive attitude from the claims department. They did not initially provide me with a claims number or information about obtaining a replacement card. I had to call again on XX/XX/XXXX to receive this information, and I was informed a week later that my case had been assigned to a case manager. Then, on XX/XX/XXXX, I was notified that the claim had been closed. When I asked for the reasoning behind this decision, I was told I would receive a written explanation by mail. 

The total disputed charges amount to {$4800.00}, claim number Claim # XXXX yet not all charges were included in the claim. Wells Fargo divided the claim into XXXX parts, totaling {$260.00} and {$530.00} respectively, which remain open without resolution since XX/XX/XXXX. Despite clear evidence that I did not make these charges, and despite the fact that they deviate from my usual spending patterns, the claim was dismissed without a thorough investigation. 
I am seeking assistance in this matter, as I believe Wells Fargos response has been inadequate and inconsistent with federal consumer protection guidelines. 

Thank you for your attention to this issue. 

XXXX XXXX XXXX
Product: Student loan

On XX/XX/year> I made a payment of {$19000.00} to payoff loans XXXX XXXX XXXX XXXX  and XXXX. The balances that I paid off are listed as follows : Loan XXXX  XXXX {$4400.00} Loan XXXX XXXX {$3900.00} Loan XXXX XXXX {$5400.00} Loan XXXX  XXXX {$5600.00} Only Loan XXXX  XXXX is being shown as paid in full. I have called 3 times requesting them to show loans XXXX XXXX XXXX  XXXX and XXXX XXXX as paid in full and they keep saying those loans have a XXXX balance, however, I keep getting statements showing there are still balances on those loans. My total balance owed on the website is showing as correct but those loans still don't show as paid off and I keep getting statements showing a remaining balance despite it not matching up with the website. 

I am attaching the last statement I was sent that shows a balance of {$600.00} for loan XXXX XXXX, balance of {$120.00} for loan XXXX XXXX and balance of {$130.00} on the statement. But when you look at the website it shows XXXX balances for those loans. 

I am attaching statements for loans XXXX, XXXX and XXXX showing XXXX balance as well as the most recent statement that shows remaining balances Loans XXXX XXXX XXXX XXXX, and XXXX XXXX need to show as paid in full as those balances have been paid.
Product: Debt collection

Midland Credit has been calling my husbands personal cell phone number for accounts that do not belong to him and giving him detailed acount information and making legal threats towards me unless he pays??!!?? I called Midland the first time they did this and demanded they immediately cease and desist. I reminded them they violated my account privacy when they shared details about those accounts with someone who isnt on the account. I also told them I didnt take kindly to the indirect threats. And today they did it AGAIN! My husband and I are livid! I contacted Midland, again, to demand they stop. Can someone help me? This is clearly abuse!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm ask the credit bureau to remove fraud inquiry from my report they told me they don't dispute inquirys i need to contact the company and i did the company said dispute it with the bureau so i don't known what to do please help. 

XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from  XX/XX/XXXX XXXX XXXX, XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX I did not open or authorize this account, and I therefore request that it be closed immediately. I am a victim of identity theft, and did not make the charge [ s ]. I am requesting that the items be blocked to correct my credit report.I also request that XXXX/XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XXXX. XX/XX/XXXX {$960.00} XXXX XXXX/XXXX XX/XX/XXXX {$100.00} XXXX/XXXX XX/XX/XXXX {$3400.00} XXXX XXXX XXXX XX/XX/XXXX {$3300.00} XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$450.00} absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed some unauthorized inquiries on my credit report and i immediately contacted the credit bureaus with the proper information to get the inquiries with no consent removed ASAP. I followed all of their rules but they are still reporting on my credit profile. How is that possible? 15 united States Code 1681c-XXXX is suppose to protect us against this type of stuff. Please help.
Product: Prepaid card

This is a vanilla gift card, each charge on this card was declined at the merchants listed below, It is impossible to contact anyone at customer service. I also attempted to use it online for XXXX and it was also declined stating invalid card XX/XX/XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/22 I purchased a merchandise and paid through my PayPal credit account. I noticed the merchandise was defected and didnt work. I contacted the seller and received address to return merchandise which was delivered, I have a tracking # that it was received. PayPal continued with dispute and removed amount from my statement. On XX/XX/22 it was added back to my account, I disputed again and was removed again from PayPal on XX/XX/22 in addition, I also provided copies of return merchandise and on XX/XX/22 it was added again to my PayPal account. PayPal wants me to deal with the vendor/seller, I do need to deal with them, I do not have the merchandise and DO NOT owe this money. As a result of this this amount being to my account, it affected my credit report XXXX and XXXX score by XXXX points for increased amount and over limit amount. Please help me get this taken care of. I do not owe the money of {$1400.00} to PayPal or vendor/Seller.
Product: Mortgage

Immediately after going under contract on XX/XX/XXXX, XXXX XXXX handed me off to another group of loan officers ( headed by XXXX XXXX ) without so much as a formal introduction. I experienced several issues with my new contacts at American Pacific Mortgage over the course of purchasing process, and although XXXX was copied on all correspondence, he stopped all communication with me. Im not sure what his role is in the process of my home buying experience, but he failed to assist me in the manner I expect and experienced in the past when I used him for a previous purchase in XXXX. 

I was never contacted to review various options for locking in a loan rate. Instead, XXXX chose to sign me up for paying 1.721 % in points to buy down my interest rate without discussing the decision with me first. I noticed this large amount added to my closing settlement late in the day before my scheduled closing date of XX/XX/XXXX. When I called XXXX out on it, she more or less inferred it was my fault for not seeing this on the disclosures sent to me throughout the load application process. In her words, it was my fault and not hers that the decision was made to add {$4300.00} in loan fees without me being made aware of this until the day prior to closing. I expect more from a loan officer. I will not work with XXXX or American Pacific Mortgage again nor will I recommend anyone else to do so. 

Since closing on my loan on XX/XX/XXXX, Ive asked both of my loan contacts ( XXXX XXXX and XXXX XXXX ) to provide me with the documentation of when I was informed of the interest rate I had locked in and the points I was paying to get that rate. Neither XXXX nor XXXX have responded to my request. I would like to know when and how I was informed of the points I would pay and in what manner I acknowledged this information. I feel the reason they wont answer my question is because they know they misrepresented me and my rights to make this decision myself instead of having it made for me and then the sneaking it into some hidden disclosure on their company portal that I was expected to notice without being told in any way whatsoever.
Product: Checking or savings account

THIS HAS BEEN A CONSISTENT PROBLEM THAT NEEDS TO BE ADDRESSED IMMEDIATELY. I FILED LEGITAMITE AND VALID CLAIMS AND DISPUTES TOTALLING XXXX THAT BANK OF AMERICA HAS ASSURED ME THAT I WOULD BE REIMBURSED FOR. I WAS CREDITED FOR SOME OF THESE TRANSACTIONS ONLY TO HAVE BANK OF AMERICA TAKE THEM BACK FROM MY ACCOUNT, LEAVING IT IN A NEGATIVE BALANCE. XXXX XXXX  XXXX IS ENGAGING IN UNETHICAL, EGREGIOUS AND ILLEGAL BANKING PRACTICES AND NOW, THEY ARE CLOSING MY ACCOUNT IN RETALIATION FOR MY COMPLAINT REGARDING THIS ISSUE. MY CLAIMS ARE VALID AND I SHOULD BE REIMBURSED FOR THESE VALID CHARGES THAT I FILED IN A TIMELY MANNER.
Product: Checking or savings account

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  XXXX  account # XXXX, XXXX  XXXX  account # XXXX, XXXX  XXXX  account # XXXX XXXX  account # XXXX, XXXX  XXXX XXXX  account # XXXX, XXXX  account, XXXX XXXX XXXX account # XXXX, XXXX  XXXX  XXXX account #, XXXX  XXXX  XXXX  account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, inquiries XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXXXXXX 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: Debt collection

In XXXX of XXXX I terminated an electric account with XXXX Missouri when I sold my property, XXXX attempted to collect payments months after claiming the power was still on, after a complaint, XXXX removed their collections attempts and was to correct the debt to {$0.00} as it was supposed to be. 5 years later in XXXX of XXXX AARGON COLLECTION AGENCY started reporting a collections account for a total of {$980.00} on behalf of XXXX Missouri to all 3 credit bureaus. XXXX of XXXX I discovered this error and disputed it with the credit bureaus who claimed to verify the debt. At no time did AARGON send an original notice of debt nor did they verify the debt despite my requesting it 3 separate times. This debt does not exist, this company waited until the statute of limitation had run out and then started reporting negative data to my credit, and they have violated the FCR by neglecting to send an original notice prior to reporting as well as attempting to circumnavigate limitation laws by falsely reporting an account opening date of XXXX and in doing so Federal law. This action is also a violation of slander and liable laws and is causing actual damages in their degradation of my credit score. The account I had with XXXX was closed in XXXX as paid in full and I have never had a contract with AARGON nor did I sign anything agreeing to pay AARGON for any service making the sale of any alleged debt illegal in the first place ( though this debt is not legitimate )
Product: Debt collection

This company has been reporting negative information to my reports- i have sent several documents to them with no response at all - This needs to stop