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

U.S. Bank offered a {$500.00} reward for depositing {$10000.00} in a new checking account and leaving it there for 60 days. 
XX/XX/XXXX - I opened an account and deposited {$10000.00} XX/XX/XXXX - they added an " Analysis Service Charge '' of {$6.00}, for no apparent reason XX/XX/XXXX - they added the {$500.00} reward XX/XX/XXXX - I electronically transferred out the total amount - they transferred {$10000.00} out to my receiving bank account XX/XX/XXXX - they added an " Analysis Service Charge '' of {$6.00}, backdated to XX/XX/XXXX - they added an " Overdraft Paid Fee '' of {$36.00}, although they had not paid an overdraft, since they had deducted their XX/XX/XXXX {$6.00} charge from the amount transferred out. They falsely listed the account value at- {$42.00}, even though it was {$0.00} before their false Overdraft Fee. 
XX/XX/XXXX - I called and asked to close the account. 
- they refused, claiming it was over drawn. 
- I said it was not overdrawn and I would not pay their bogus fee. 
- they replied that the account would be closed anyway on XX/XX/XXXX and they would write off the fee as a bad debt. 
XX/XX/XXXX - I called and verified that the account was closed. I thought it was resolved. 
XX/XX/XXXX - their collection service, now claimed that I owe {$78.00} in unpaid fees XX/XX/XXXX - I called, claimed that their fees were bogus and i would not pay them XX/XX/XXXX - I called and filed a complaint with the U.S. Bank XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Delete hard inquires. XXXX XXXX XXXX, have unauthorized inquiries on my file
Product: Debt collection

Amount {$660.00} date not known. I contacted the company and told them to cease and desist also invoiced them for the violations 1. Fact 15 usc 1681 protection of non public personal information ( a ) privacy obligation policy it is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information 2. Fact 15 usc 6801 ( b ) ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer 3. Fact 15 usc 1692 ( b ) ( 5 ) not use any language or sysmbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates thats the debt collator is in the debt collection business or that the communication relates to the collection of. Debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a medical bill for {$57.00} Account XXXX XXXX with no Collection or Original Creditor Name with no address or phone number as to where to call about the collection charge. I can not confirm or deny this charge without contacting the company who is reporting it and therefore this Inaccuracy should be removed or updated correctly asap with the Complete Collection Company Account information. Equifax is the only one reporting this and it is hurting my credit rating. I have submitted two letters requesting validation and proof of method of verification to Equifax on this account on XX/XX/2021 and XX/XX/2021. I have attached the letters for your reference. I have also included a copy of my credit report that shows the collection listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion charged me {$5.00} to temporarily unfreeze my credit report. 
This occurred on XXXX XXXX, 2017 On the web site it is listed as a free service.
Product: Credit card or prepaid card

My credit card was about to expire in XXXX, 2022, so a new card was sent to me, which was lost in the mail. I called about getting a replacement and a replacement for the lost card was sent, which I never received or which was also lost. My account was soon thereafter closed and my password into my account was disabled so I could no longer make monthly payments online. When I called the company about the problem, I had to pay over the phone ( after a XXXX minute wait ) and requested to re-open the account so I could access it online in order to make payments. An email was sent to me with a link to a message in my account about my request, but since my account is closed, I couldn't access the message. I called again to explain this problem and was finally told I could not get a new card and the only option was to call every month to make a payment over the phone, and the wait-times are typically XXXX minutes to be connected to an account specialist. I don't understand why they would close an account with a balance when they know that access to that account to make monthly payments would be impossible.
Product: Money transfer, virtual currency, or money service

hello three weeks ago i put money in pay pal they said if I put money in I can use it to pay out with no fees I have called 6 times Ive been on the phone 8 hours Ive had 2 representitives tell me a supervisor would call me back every rep says they see my XXXX bucks BUT when they try to get it release even they cant get it out of pay pal I want my money back they continue to tell me its there, and they are sorry they cant get it to me pay pal email is XXXX repsectfully XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX # XXXX -BALANCE {$5000.00} - DATE OPENED XX/XX/XXXX XXXX # XXXX XXXX {$160.00} - DATE OPENED XX/XX/XXXX XXXX # XXXX -BALANCE {$3900.00} XXXX # XXXX -BALANCE {$4200.00} XXXX XXXX # XXXX -BALANCE {$510.00} - DATE OPENED XX/XX/XXXX XXXX XXXX # XXXX -BALANCE {$220.00} - DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX -BALANCE {$21000.00} - DATE OPENED XX/XX/XXXX XXXX XXXX XXXX # XXXX -BALANCE $ XXXX DATE OPENED XX/XX/XXXX XXXX XXXX # XXXX -BALANCE {$3700.00} - DATE OPENED XX/XX/XXXX XXXX # XXXX -BALANCE {$2400.00} - DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX -BALANCE {$7800.00} - DATE OPENED XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX # XXXX XXXX {$5800.00} - DATE OPENED XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX -BALANCE {$61000.00} - DATE OPENED XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX -BALANCE {$14000.00} Unauthorized Inquiries : XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Billing mistakes on my credit report need review. Please fix and update the records
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX Account numberXXXX XXXX XXXX XXXX Account numberXXXX XXXX XXXX Account numberXXXX XXXX XXXX XXXX Account numberXXXX
Product: Credit card or prepaid card

I have a regular VISA credit card with Capital One. I was traveling in XXXX in XXXX and used my CO card for a cash advance from a XXXX XXXX. My statement for that period of time reflected the cash advance plus a {$10.00} fee plus an interest charge. There was NOTHING on that statement to indicate that there would be further interest charges. It was only today, after 2 more statements with interest charges, that I took the time ( over an hour ) to call and speak to 2 people at CO about why this is : that the interest fee payment is not applied until they, receive the payment and by that time more interest has accrued. 
In my case, the interest was minimal, but I can imagine that other individuals might get a cash advance for a much larger amount which could accrue substantial interest over many months. 
I have an excellent credit history. For about 40 years, I have been paying the full amount indicated on my statement every month in order to avoid finance charges. There was NOTHING on the statement from Capital One to indicate that the amount due was actually NOT the full amount and that future interest would be accruing. Without that information, people, like me, can not avoid these penalties. 
I hope that the CFPB can address this issue, as it is nothing more than a scam allowing the bank to assess hidden interest fees.
Product: Credit reporting or other personal consumer reports

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 two parties and I did not participate in any of it.

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.

I demand you to remove this account from all 3 of my credit reports asap or I will have no choice but to forward this to my litigation attorney for furnishing a false account on my credit report. 

XXXX XXXX XXXX XX/XX/2024 PORTFOLIO RECOVERY A XX/XX/2024 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I C SYSTEM add a derogatory mark on my credit reports. I C SYSTEM did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Credit card

On XX/XX/XXXX, I received an unexpected text from Chase advising that both of my credit cards were going to be closed. I immediately called Chase customer support to ask why as I have had these accounts for long periods of time and have never missed any payments. XXXX XXXX XXXX ( ... XXXX ) for over 4 years and XXXX XXXX ( ... XXXX ) for over 16 years. I further explained that I was a loyal customer and enjoyed the rewards that the cards offered and to please reconsider. XXXX, the customer support person said he understood and would escalate a ticket to management for review. Every time I called to follow up asking if the manager received and reviewed my ticket, I was told to wait for a letter in the mail. I received a letter dated XX/XX/XXXX saying the accounts were still getting closed due to " unexpected activity on these or another Chase account. '' I called Chase customer support again and this time I was transferred to a manager who could not explain what the unexpected activity was. The manager said to wait for another letter for an explanation from Chase and not the credit card company. Today is XX/XX/XXXX and I have not received any explanation.
Product: Debt collection

This is a debt collector, the head of the local branch of OneMain Financial. 
I have the record in my phone and can submit copies of their call log, but they are calling every hour of each work day. When I spoke with the person calling, she threated to have my vehicle seized, and began to call me a liar when I tried to tell her I lost my job due to a XXXX. 

She is VERY abusive, and they just wont quit harrassing me. 

They keep calling from XXXX
Product: Debt collection

I recorded Regional Acceptance Corporation 's abusive phone calls to me. 
Fri, XX/XX/2016, XXXX XXXX  to me First Threat Call Since Predatory Loan, my fighting it and being charged off. 
The above listed is the e mail storage of the second round of calls and my notation. The first round of calls and my confronting them with the fact that " at XXXX per call that I could continue to record them and use that to pay the car off '', was the reason that management agreed to let me make " good faith " payments in the first instance. 
The company responded deceptively regarding this in an earlier response to CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to start building my credit because I am close to the age where I want to start making big purchases, I been applying for several different credit cards and been getting denied from each one. I received a letter in the mail from the most recent credit card I applied for starting that I was denied because of derogatory items. I was confused because I have never even applied for many items and the one credit card, I had I paid for it and had the account closed. I decided to pull my credit and there is a couple of unknot items that do not belong to me. Please remove these fraudulent items from my report. I have been a victim of identity theft. XXXX XXXX XXXX {$150.00} XXXX  XXXX {$790.00}
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the items listed on my credit report, as I believe they result from a major data breach that compromised my personal and financial information. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I request that all items on my credit report be deleted in accordance with my rights due to the impact of this breach.

I have recently become aware that my personal data was exposed as part of a data breach that affected [ name of the company or entity that experienced the breach ]. As a result, my information has been used without my authorization, which has led to inaccurate and damaging items appearing on my credit report.

Pursuant to the provisions of the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires that consumer reporting agencies ensure the maximum possible accuracy of credit reports, I am entitled to dispute any information that I believe is erroneous, incomplete, or the result of fraudulent activity. Given that the entries on my credit report stem from a breach that I did not authorize or consent to, I assert that these entries are both inaccurate and incomplete.

Additionally, 15 U.S.C. 1681c-2 ( a ) ( 3 ) provides that any information resulting from identity theft must be investigated and, if necessary, deleted. I request that you delete the affected entries from my credit report in full, as they are clearly the result of identity theft linked to this data breach.

Please provide me with a written confirmation of the steps taken to resolve this dispute. I also request that you send me an updated copy of my credit report showing the deletion of these items.

If you require any further documentation or proof regarding the data breach, I am happy to provide it, including any notices I have received from the responsible party confirming the breach.

Thank you for your prompt attention to this matter. I expect to receive confirmation of the deletion of these items within the statutory timeframe of 30 days, as required by law. 

Sincerely, XXXX XXXX
Product: Credit reporting

Transunion is reporting XXXX # XXXX This is not my account. I never authorized or used this account. 
They are also reporting a credit inquiry XXXX Inquiry XX/XX/2017 This is a fraudulent inquiry and was not authorized by me.
Product: Checking or savings account

My checking account has overdraft protection and will automatically debit my savings account if overdrawn. At some point USAA FSB reversed this so my savings was being protected by my checking account. My checking was overdrawn and a charge was returned to a merchant and I was charged a fee. When I called USAA FSB admitted all this but were not able to fix the problem.
Product: Credit card or prepaid card

I received a letter from PNC XXXX XXXX XXXX dated XX/XX/XXXX that stated my credit limit was to be decreased to {$1400.00} when it was previously {$15000.00}. This was absolutely devastating to my credit rating. 
I have been grooming my credit rating for the past 20 years so that it would be the best it could be because I wanted to apply for a mortgage. This devastating blow to my credit rating came 2 weeks before my pre-approval after having exceptional over XXXX credit rating for decades. 
PNC gave me no warning for this limit decrease. Nor have they done a good job of explaining the reasons for this limit decrease. I have not been referred to any documentation from them as to why this happened nor how it could happen from their regulations. 
I called PNC Credit Card customer service and was on hold, after being transferred to multiple departments, for a total of 2 hours. I spoke to Customer Service, multiple supervisors, and the Underwriting department. I was told to contact the credit bureaus for their reasons for the decrease. I called each credit bureau, explained the situation and asked each bureaus customer service departments why this would happen- if there was anything dubious on my report. Each one said that my credit was flawless and that I there was no cause for concern. I have an exceptional payment history spanning XXXX decades. I then had to call BACK PNC with this information, which they replied I was to respond, in writing to the Consumer Credit Bureau Investigations Department to which they would respond within 30 days. My letter was mailed on XXXX. 
I believe that this credit limit decrease was based on erroneous information or human error in interpretation of this information. I do not believe a complete and correct assessment of my credit information was made. 
Like I said, this has been absolutely devastating to my credit rating and to me personally. I have been saving for a home for almost 20 years and I cant believe that this would happen after I have been so careful - especially two weeks before I decided, after 20 YEARS, that this was the moment I would apply for pre-approval on a mortgage. This creates a biased and inaccurate view of my credit rating that does not take into consideration the decades of exceptional credit I have. This is impacting my qualifications and potential rate for a mortgage, which equates to me losing thousands of dollars over time due to their mistake. 
Please note too, that, I have been a customer of PNC since XXXX. PNC has a strong presence in XXXX, my hometown. My business with PNC travelled with me when I moved to XXXX XXXX and now XXXX. I very easily could have closed my account and went with a local, more convenient bank. I decided to support hometown institutions - and, will share my experience with others if this is not rectified.
Product: Checking or savings account

USAA closed my account in 2020 end of XXXX At the time of account closure done by USAA due to fraud happened to me, check with {$2000.00} and some changes is supposed to be mailed to my address on file. {$2000.00} includes military XXXX and social security XXXX. However, only {$43.00} check was received from USAA in early XXXX. I contacted thru phone in XXXX, but the response was unsatisfactory and stated that {$43.00} is all I would get.
Product: Credit reporting, credit repair services, or other personal consumer reports

The only address should be on my file is XXXX XXXX XXXX XXXX XXXX NY XXXX any other address is inaccurate. I have called a few times but for some reason other addresses keep hearing on my account.
Product: Mortgage

My mortgage was recently sold from XXXX XXXX to Carrington Mortgage Services , LLC . I logged into their site only to find that they charge " convenience '' fees if payments are made online or over the phone. I find this practice to be excess. Why should I have to pay a fee to make my mortgage payment online or over the phone? The only ways to avoid their convenience fees are to set up on autopay or mail a check. I have researched Carrington Mortgage Services , LLC online and many consumers give them a low rating due to fees but rating them low won't get rid of the fees nor control who services your mortgage. Many of those ratings also state that they have mailed checks the beginning of each month and the payments are not posted until after the grace period is up and thus incurring late fees. So it seems that Carrington is charging excessively for nearly any payment option. This seems unfair, unethical and unnecessary. 

Also, on my VERY first call with Carrington Mortgage Services , LLC I was told that my mortgage is 5 months past due and it is in fact current. I received a statement from XXXX XXXX earlier this week showing my mortgage next due for XX/XX/2021. I asked why it wasn't reflecting any of my payments and went through the dates the payments had cleared my checking account only to have them tell me that it takes time to load everything when a mortgage is sold. According to the letters I have received, my mortgage was sold to Carrington Mortgage Services , LLC on XX/XX/2021 and servicing was to begin XX/XX/2021, but they have NO record of any payments made over the 5 months. This is bit alarming and concerning as they are showing my account as 120 days past due when in fact it isn't. I also believe there are guidelines, rules & laws that payments received must be posted in a timely manner ; it should reflect the date it was received as the payment date.I can not risk losing my home due to their lack of accounting and crediting my payments in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the IdentityTheft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the IdentityTheft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX Date Opened : XX/XX/2005 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX