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

My husband opened this account since XX/XX/XXXX and later I was added to it. The institution where we have this account is very appropriate for our business due to I 'm a very busy person taking XXXX XXXX XXXX XXXX persons in my family. When I started to manage the account I noticed that there were to many overdraft charges and I check in my notes and found that this institution charges fees on any transactions that may avoid the charge if they just make what other institutions do. Post deposits prior to the payment or activity that make out accounts to go overdraft so they can charge the fees. 
My most resent problem was this. 
On XX/XX/XXXX My bank charged XXXX dollars of overdraft fee for two transactions that had balance to be pay. 
( See bank transactions report from XX/XX/XXXX- XX/XX/XXXX attached ). 
Like this time many of these transactions became on many of overdraft fees over the three years we have been business with this institution. 
They make you open a saving account too with a automatic transfer of XXXX dollars minimum to maintain the account service fee voided and do not tell you that they will charge fees for transactions made between this two accounts ( checking and savings ). 
On XX/XX/XXXX I have been charged XXXX dollars for OD Protection fee. ( see Statement report from XX/XX/XXXX through XX/XX/XXXX attached page 4 of 6 ). 
These are not the only times this has been happened. I spoke to the bank manager the first times I saw this happen but she removed the first fees charged in my account. After a few times I reject the charges she told me that I needed to go directly to the branch where my husband initially opened the account because she was not able to remove more fees in the future. My husband opened the account on a branch that is close to his job and we live very far from his job. I definitely did not go there, so the fees continue until this date. In total I have been paid {$4000.00} according to the bank ( see attached bank letter ) I know I have been paid this money but is not right to pay some of these charges just because some institutions do n't make the right things. Please check on this and I hope you can help us, as consumers to have a voice.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 

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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I contact Westlake Financial regarding account # XXXX on XX/XX/29 requesting an amortization schedule for my loan and the amount I would need to have only 9 payments remaining. The first agent I spoke to at XXXX gave me a suggested amount but couldnt confirm the amount and when asked for information pertaining to further details in the interest my call was disconnected and I was sent to the survey. I then called back again at XXXX and spoke with another agent whom I asked for the amortization schedule again who told me he had never heard of such a thing. He placed me on hold to contact manager who advised him that Westlake does not provide that information. I asked for clarification as to why and the agent said again we dont give out that information. Im not sure why Im being denied this info and why it is not available but it is a document I needed to proceed with a construction loan for a new home for my family.
Product: Other financial service

Everytime I try to cash my paycheck at XXXX or any other check cashing service in denied due to a company named Certegy. I do n't understand why everytime I call them they can never give me a reason why they deny me. This is not fair and a paycheck is a valid check! I have provided this company my id and asked for a copy of my file but nothing explains why they have me red flagged
Product: Credit card

Recently I was looking at my credit report because I am trying to buy a house. I noticed Navy Federal reporting late payments on my report from this year. I am confused because I was reading the fcra online and 15 USC 1666b says late payments are not to be reported. The reporting of this adverse information is affecting my ability to obtain a loan and properly support my XXXX XXXX XXXX.
Product: Credit reporting

Equifax refuse to remove Federal tax lien. I supplied a copy ofform XXXX XXXX ( Withdrawal of filed notice of federal tax lien release )
Product: Credit reporting or other personal consumer reports

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : However, they stated everythin " " `g was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 instructons 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more tan seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 inform
ation is inaccurate modity accounts tat isnt reporting correcuy.

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 ZA instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. 

Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} Account : Achieve Personal Loans Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$620.00} Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$370.00}
Product: Credit reporting or other personal consumer reports

Ive paid this loan off and its still on my credit reports with equifac and transition I want this removed please
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( 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.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon looking at my Transunion, XXXX, and XXXX  credit file, I learned of a collection account from XXXX XXXX had been added. I have tried to reach out to this company through Consumer finance protection bureau and XXXX XXXX XXXX in regards to this collection account. I have no signed contract with this company. This account is not a validated account nor is this account verified. This is a non verifiable item that has been placed on my credit file causing my score to drop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX - XX/XX/2024 - This company remains as a collections on all XXXX of my credit reports. I recently received a letter in the mail attempting to collect a debt for this same account from Unifin. When I spoke with the agent this month from Unifin, she advised me that they recently received the account in XX/XX/2024 and would submit a dispute to XXXX to verify debt. However, XXXX XXXX XXXX still remains on my report for the same debt and reports monthly of no payment received when they do not have the account.
Product: Bank account or service

I had opened Citibank Savings account under a promotion which gave {$350.00} if I deposited more than {$25000.00} between XX/XX/2016 and XX/XX/2016 and kept the money till XX/XX/2016. I fulfilled the requirement and was waiting for the bonus to arrive. 
I also verified with the customer service agent at Citi that I qualified for the offer and they confirmed it saying I should receive it within 90 days of completing all the requirement. 

However, I got another message from Citibank saying that I will not be receiving the bonus as I do not qualify. I have attached the offer terms which I signed up for and the chat with Citi agent confirming my qualification
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year> to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX 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! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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 reporting or other personal consumer reports

I reported an identity theft back in XXXX since then I noticed a charge off on my credit for a vehicle not purchased or authorized by me. I have filed several reports with all three credit bureaus to have this derogatory account removed and to date in XXXX they still have refused to remove this account. I am once again asking that this account be removed from my credit report on all three bureaus it has been investigated as an identity theft I have attached police reports as well as other identity theft reports. I need for this to be removed immediately in the interest of my job. I can not have derogatory marks of any kind on my credit. 

The name of the Company is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I also have several incorrect spelling of my name names that I've never used and addresses that are incorrect that I am also listing below. The addresses and names listed below are incorrect, and should be removed from my credit report : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX
Product: Checking or savings account

XXXX XXXX, I hope this email reaches you in good health and spirit. My XXXX card was hacked. Im not even for sure if all the over drafts are mines and despite I still fixed my account several times. It takes time for me to transfer money in to my account its no atm to put cash in. I feel that Im being discriminated against. The last negative on my account was only negative for 4 days I had no time to fix the {$18.00} it was not negative for 30 - 40 consecutive days. So Im confused on the charge off closer except Im being discriminated against. They are stating they are going to close my account and I been constantly fixing it despite ( because I didnt want my account closed ) if its mine or not due to the hack. I have had to get new bank accounts as well as credit cards due to the XXXX card hack and XXXX  is aware. They advised they can not put a fraud alert on my account. They kept repeating the same thing to me like Im XXXX that my account will be closed despite me fixing it and that they are going to report me to XXXX XXXX. The agents ( supervisor ) had no empathy, understanding or anything they were extremely rude. They werent even listening to me. Im trying to rectify the negative ( over draft ) and explain my situation how my XXXX card was hacked and despite if the charge were mine or not I been fixing it. I really need to speak to someone that can help me and not discriminate against and speak to me like Im XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

m submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$650.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$8100.00} ; XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX Balance : {$140.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$540.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$710.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$850.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) XXXX Balance : {$690.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.
Product: Checking or savings account

I am writing to you with the request for help in recovering {$50000.00} that was stolen from my Chase checking account. 
On XX/XX/XXXX I noticed unfamiliar charges on My Chase bank checking account from some unfamiliar XXXX accounts and I has called the Bank and XXXX and reported the problem. 
The unauthorized transactions started from XX/XX/XXXX until I noticed it on XX/XX/XXXX. 
Total of approximately {$50000.00} was stolen from my checking account via multiple XXXX transactions where the amount was gradually increased from {$15.00} to {$3900.00}. I am attaching the list of all fraudulent transactions. 
I filed the claim with the Bank and they refunded me just {$2900.00}, the amount that was stolen within 60 days from when the transactions started. This amount was obtained by the Bank by reversing those XXXX transactions that were made within 60 days from beginning of fraud. I am attaching the letter from the Bank. 
I filed the claim with XXXX, and they found that a female person in US used her XXXX account and somehow got access to my Chase checking bank account and used her XXXX account to steal money from my Chase checking account. 
XXXX told me that they are willing to return all stolen money as soon as Chase will send a request for it. Specifically, XXXX is asking that Chase reverse all remaining transactions that were made from XXXX, i.e. charge the XXXX back. 
But Chase refuses to reverse the transactions that go beyond 60 days. 
As a result I can not get my remaining {$47000.00} money back. 
These money is my lifetime saving and it is critical to me to recover them. 
I looking forward for your help.
Product: Vehicle loan or lease

Received a bill on XX/XX/2020 from Wells Fargo Auto claiming I owed {$72.00} in late charge fees on my auto loan in which i paid off on XX/XX/2020. Upon calling the company, a representative told me that the {$72.00} are late charges over the course of the loan. This was confirmed by an escalation specialist that I spoke to as well. 
The issue is that they explained to me that when I have made a late payment that the additional amount paid was applied to the principal balance rather than the late charges accrued. I explained that doing so was deceptive as the total amount due showed the normal payment amount and late charges. There is no additional box to click or put in a number to specify that you want it to go to late charges. Both representatives told me that I would have to call and tell a representative that I wanted to pay my late charges. I asked why no previous representative or bills stated that I had unpaid late charges and they said that information is not disclosed unless you call and specifically ask. 
Not only is this deceptive, but their methods of applying the payment go against what is stated in the legal documents that I signed. According to the legal documents, payment is applied to interest first, principal payment owed, accrued fees ( examples include late charges and NSF fees ), and then additional principal balance. What both representatives told me is that it's applied to interest, principal payment owed, principal balance then late charges are collected at the end of the loan. 
I am not denying that either way, I would owe the {$72.00} but I was deceived throughout my loan by the fees owed not being disclosed to me through monthly billing on paper and online nor through speaking with company representatives. This then caused me to payoff my loan only to find out later that I owed additional amount as the late charges hadn't been disclosed, even at the time of requesting a payoff.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries that are reporting on my credit report are inaccurate inquiries that were not put on my report by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter off registered mail To remove personal information that I dont not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 
These are clear violations of my my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX and XX/XX/XXXX BK OF AMER XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.