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

I was supposed to get my direct deposit on Friday XX/XX/28. In the XXXX I checked with my employer and they said they dont see the funds rejected or returned by my bank. I then called my bank, Bank of the West. I talked to a rep. He said they see it in the back house or office ( where they handle ACH ) they said I would be deposited Friday afternoon if not no later than Saturday XXXX I check Saturday XXXX, nothing. Called again they said same thing, it would be deposited Saturday night no later than XXXX I checked Sunday nothing. I checked Monday nothing. I called Monday XXXX, same thing wait till the afternoon. I checked Tuesday and nothing. It has been the same thing over and over and I just want my money. Ive been waiting 5 days for my money and nothing! This is outrageous why cant they give me my money! I worked for my pay I want it now!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2015 a XXXX  XXXX account was open fraudulently. I continue to dispute the account off of my experian report and they will not delete it. The XXXX XXXX account is not on any of my other credit reports. I am providing documentation from XXXX  XXXX stating theyre linking the account to me by the address XXXX XXXX XXXX XXXX XXXX Pa XXXX which is not my address and not listed on my credit report. I have also been told by Experian that they will delete the account and it has not been deleted. At this point Experian is allowing inaccurate and wrong information to be reported on my credit report and this is a violation of FCRA. If this account is not deleted immediately my next step will be to hire an attorney and sue Experian as this is costing me thousands of dollars in interest and taking time to handle this.
Product: Credit reporting or other personal consumer reports

This morning was such a shockI found inaccurate accounts on my credit report, and I have no clue why. I check my report often, but this time, I noticed discrepancies that just didnt make any sense. I refreshed my browser, hoping it was a mistake, but the accounts didnt disappear. Im asking for my documents to be thoroughly checked to resolve this issue because Im tired of the stress its causing me.
Product: Mortgage

On XX/XX/2021, we received notification by letter from TCF Bank, dated XX/XX/2021, that a temporary freeze had been placed on our existing HELOC line of credit, allegedly for the following reason : " The value of your dwelling has declined significantly below its appraised value. '' This determination and decision is alleged to have arisen due to the bank obtaining an " AVM '' of our home 's estimated value. 

We have made multiple good faith inquiries, beginning XX/XX/2021, and continuing, including requests to provide the underlying documentation for this decision, as well as our request to immediately reinstate our line of credit. We included in these contact submissions of estimations of our home 's value from public independent third-party vendors, which serve to refute TCF 's claims. Their allegation of decreased value is simply not supported by the facts available to us. Any facts in their possession, if any, are inexplicably being withheld - perhaps unlawfully. 

Our account has been in good standing since inception of our loan with TCF Bank, and continuing. We did receive a response from XXXX XXXX, AVP, Underwriting Manager on XX/XX/2021. However, his request for additional irrelevant documentation concerning our senior mortgage principal balance and reference to an alleged ongoing " investigation '' is illogical, intrusive and confusing, entirely missing the point of TCF 's assertion that our home value allegedly decreased significantly, which is the only subject at issue in this matter. We have significant concerns with respect to TCF 's apparent unethical business practices. 

It is our position that TCF is not acting in accordance with the principles of good faith and fair dealing, as required by virtue of our loan agreement with them. Further, we are of the opinion that both their determination and decision are incorrect and unsupported by the facts. The manner in which TCF is negligently or intentionally handling this entire matter from its decision to suspend our line of credit to its complete lack of meaningful response to our valid concerns and well-founded objections leads us to a reasonable conclusion that their actions are both arbitrary and capricious.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fay Servicing has been reporting my credit history to all 3 credit bureaus and that information is incorrect. To start they are stating they had my mortgage since XXXX and they were not even established as Fay Servicing until XXXX. Furthermore XXXX held my mortgage in XXXX to XXXX when it was sold to XXXX. Please see attached cover letter to explain more in detail with other docs involved to dispute this case.
Product: Credit reporting or other personal consumer reports

I previously employed a live-in caregiver that I entrusted with all of my personal business. She had and possibly still has access to all of my personal and financial information. I am currently having my daughter review my credit bureau records. What she found was numerous credit inquiries. She has applied to numerous creditors that I currently do business with. 
Criminal charges will be filed against this person. I need your assistance in this matter as well. 

Thank you
Product: Checking or savings account

Wells Fargo deposited 2 checks from my account. These checks were made out to a vendor, XXXX XXXX. XXXX XXXX does not have an account with Wells Fargo. Someone fraudulently deposited these checks.
Product: Credit reporting or other personal consumer reports

The late payment records on my credit report are incorrect and must be addressed immediately. Given recent data security concerns, I have reason to believe these discrepancies could be tied to a data breach. Specifically, the late payments reported on my XXXX accounts, Account # XXXX and Account # XXXX, are completely inaccurate and need to be corrected immediately. I will not allow misleading information to harm my financial standing. 

I take my financial responsibilities seriously and will not accept errors that unfairly impact my credit profile. A full investigation is required, and any data that can not be verified with solid proof must be corrected or removed immediately. 

Under the FCRA, I am entitled to a credit report that is both accurate and free of misleading information. The continued presence of incorrect data is unacceptable, and I expect immediate corrective action. Any further delays or negligence in resolving this matter will not be tolerated.
Product: Debt collection

I received numerous phone calls ( 15 USC 1692 c & d ) from Midland Funding regarding assumed debt on a positive balance ( 15 USC 1692 b 2 ). I submitted a final debt validation letter before contacting CFPB requesting a wide range of information as a consumer and only received the information they wanted to provide ( 15 USC 1692 g ). They have violated my reputation ( 15 USC 1681 ) as a consumer and I am demanding they zero out the balance on this account and deletions from all consumer reports. 

Served XX/XX/XXXX - XXXX XXXX  {$3500.00} Multiple verification letter sent, final debt validation letter sent XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Equifax Credit Bureau to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

This bank is attached to chime financial account and they claim I have a deposit account with them in XXXX Oklahoma I have never had an account there I don't even have a clue where that town is at XXXX have true. XXXX contact them by email and by phone nuf no hope but as soon as I get my settlement deposit try to hit my chime account from Experian from the data breach they wants say I owe them more than XXXX and they are taking my deposit or else they have my rent and my electric bill they are holding hostage I'm in XXXX and I don't have any other way of paying my bills so they gave me screwed
Product: Mortgage

I reached out to Ally Bank to refinance my current mortgage. After speaking with their representative I was encouraged to apply online. I did explain my income and current employment situation. I received help to completing the process. After I completed the process they said I had to pay for an appraisal to lock in the rate and terms of the loan. So, I paid {$550.00} as they requested to secure an appraisal. I later received a copy of the appraisal stating that the cost was {$350.00}. Around the same time I got an email stating that I did not qualify for the loan. I asked for a refund for the appraisal and was denied. I also asked for the difference of what I paid vs. the cost stated on the appraisal. Later I was told by XXXX XXXX ( Processing Expert/XXXX XXXX ) that the cost was {$510.00} so they gave me a refund of {$40.00}. I provided her with a copy of the appraisal showing the cost of {$350.00} on the document. She stated that she would get back to me and I haven't heard from her since XX/XX/2021.
Product: Credit card

capital one credit card is charging me too much interest and fees for being late, even after explaining my financial problems
Product: Credit reporting or other personal consumer reports

There is an unauthorized account from XXXX XXXX XXXX and XXXX XXXX XXXX Ive never had service with either of these companies and on XX/XX/2023 they reported a collection account in my credit report. This account does not belong to me and is unauthorized. There are also unauthorized inquiries from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX 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 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 months that are reported late 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. 


XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX 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: Debt collection

I've been in dispute with this company ( XXXX XXXX XXXX. ) and the bureaus to which this account has been deleted off my credit file. Now I'm receiving a letter from this company today saying I owe {$1900.00} ....??? Now that this is happening to which I don't know why. This company is not on my credit report. Attached is a copy of the deletion of my credit file. So I want this company to mail me what is it they have. 

Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally
Product: Credit reporting or other personal consumer reports

Account # : XXXX XXXX XXXX Opened : XX/XX/XXXX TRANSUNION you are furnishing inaccurate and incorrect information to my consumer report. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. Prohibition : a law or regulation forbidding something As Defined by The IRS Even if you didn't receive a Form XXXX, you must report canceled debt as gross income on your tax return. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. 15 USC 1681 s-2 Says you TRANSUNION company is a furnisher of information to a consumer reporting agency. You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ inaccurate information immediately. 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate You are hereby put on NOTICE that you are furnishing incorrect inaccurate information. The lender must file Form XXXX and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union XXXX federal government agency, or other applicable entity as discussed earlier in chapter 1. The above paragraph is taken directly from the IRS XXXX publication. SEND ME MY FORM XXXX that you should have sent when you Filled the account as a canceled debt. My Address is listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information Prohibition ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate.
Product: Credit card or prepaid card

I purchased an original ticket on XX/XX/XXXX, for travel in XXXX XXXX, for a fare of {$980.00}. This travel was canceled due to covid and not allowing to travel. 
I re-booked my fare on XX/XX/XXXX, to travel in XX/XX/XXXX, and return in XX/XX/XXXX for an additional {$190.00}. On XX/XX/XXXX, the return date was changed from XX/XX/XXXX, the return date to XX/XX/XXXX for only {$28.00} because I was sick with XXXX and was not allowed to travel by the country 's government. I have the receipt where I only agree to pay {$28.00} for changing and upgrading my flight. 

After arriving on XX/XX/XXXX, a few days later, my credit card bill for XXXX was changed from {$28.00} to {$2400.00}, which I never approved or got a receipt for {$2400.00}. On XX/XX/XXXX, I called XXXX and filed for refunds : PASSENGER : XXXX TICKET ( XXXX ) : XXXX REQUEST XXXX United refunds I sent a request for a full refund of almost {$2500.00} that was wrongfully charged on my credit card. The united Refunds department denied my request, which is entirely unfair and unacceptable. I am a XXXX and XXXX XXXX XXXX and I can barely feed myself. I do not have {$2400.00} and never in my life agreed to pay that amount when I changed my flight ticket. I only agreed to pay {$28.00} ( see receipt attached ) and never saw the receipt for almost {$2500.00} until the day I filed a refund request when one of the employees on the phone emailed me on XX/XX/XXXX. This is unacceptable as I suffer from XXXX, and I wasn't allowed to travel. This travel delay also caused me to fall behind in my course works, and I was at the edge of quitting graduate school. I am asking you to please help me get my money back as I went through a difficult time paying almost {$2500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax says my personal information got hacked
Product: Payday loan, title loan, or personal loan

I have a XXXX credit limit and have been making all my payments except 1 now my loan owe Is greater then my loan amount it don't make sense.
Product: Checking or savings account

This has to do with a merchant ( XXXX XXXX XXXX XXXX XXXX ) taking money from my account without my authorization. The merchant states that I signed a service agreement for there services, but I did not sign any service agreement. Also, they took the funds automatically from my account. The copy of the service agreement that they provided me does not have my signature given them approval to take funds from my account. The merchant took {$590.00} from my account without my authorization. I contacted XXXX XXXX XXXX XXXX XXXX on XX/XX/2017 and they advised that they will not refund my money. XXXX XXXX is the owner of the business and he has not responded to my calls. There contact information is ( XXXX ) XXXX or ( XXXX ) XXXX I also tried contacting my bank to advise them that this is possible fraud, but they refuse to help. I contacted my bank ( Chase ) on the following dates XX/XX/2017, XX/XX/2017, XX/XX/2017. It seems that Chase is not protecting my funds as they should. I have attached a letter from Chase where they temporarily gave me a credit for {$590.00} while they reviewed the claim. On XX/XX/2017 they advised me that the charge was valid and that they will reverse credit. I also attached a copy of the service agreement from the merchant. The service agreement does not have my signature or approval.
Product: Credit card

XX/XX/24 my wife and I went to a XXXX timeshare presentation. When it came to credit check they checked our credit and said it was only a credit check and we told them we were not going to make any decisions at this time and I made it clear that I did not want any credit card or I wasnt buying anything and I received a text message stating I had opened a credit card, which I did not authorize. And theres a pending charge for $ XXXX, not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested in my Validation letter dated XX/XX/XXXX which XXXX XXXX XXXX XXXX fail to validate all of my request. XXXX XXXX XXXX XXXX sent copies of card statements and other interesting documents that have me questioning do we as consumers, have any privacy at all. I will address that privacy issue. My attachment 's will show that a debt collector, DNF Associates LLC obtain my private and personal information without my permission and then sold my private and personal information for monetary gain. No contracts submitted by XXXX XXXX XXXX XXXX that bares my personal signature. XXXX XXXX XXXX XXXX did not Validate all my request pertaining to contracts that bares my personal signature. But they submitted to me a Bill of Sale that shows DNF Associates LLC the Seller of my private and personal data. And XXXXXXXX XXXX the Buyer of my private and personal data. This buy and sell happened on XX/XX/XXXX.
Product: Debt collection

Midland Credit Management is attempting to collect on a debt not owed. Midland Credit Management They bought this from another debt collector. I do not owe {$1100.00} to Midland Credit Management. They are fabricating a debt. I have never done business with them. This is being recycled to various debt collectors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX {$7600.00} XXXX XXXX XXXX {$21000.00} XXXX {$0.00}
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB which identified similar practices with Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting or other personal consumer reports

I am writing to formally request a review of my student loan records in light of potential FERPA violations that may have impacted my loan eligibility, terms, or disbursement. Under FERPA, I have the right to privacy and accurate record-keeping regarding my educational history.

Upon reviewing my records, I have identified discrepancies/misuse of my educational information, including but not limited to.

Incorrect loan disbursement, unauthorized release of education records, or errors in enrollment status.

In accordance with FERPA regulations and consumer protection laws, I request : 1. A full review of my student loan records and any errors caused by improper record-keeping or data misuse.

2. A correction or deletion of account inaccurately reported loan
amounts or disbursements. 3. Written confirmation of the findings of this review within 30 days of receipt of this letter.lf this matter is not resolved, I am prepared to escalate my complaint to the U.S. Department of Education 's Federal Student Aid Office and file a FERPA complaint with the Family Policy Compliance Office ( FPCO ) .Please confirm receipt of this request and provide guidance on the next steps. You may contact me at XXXX or XXXX for further discussion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my consumer credit report with XXXX, XXXX, and XXXX. they all have this DICOVERBANK account on my consumer credit report however each bureau is reporting on my consumer credit report differently with each credit bureau I disputed the information with XXXX and XXXX they are reporting false illegal and inaccurate information I would like this account removed, deleted, and blocked off my consumer credit report immediately