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

Complaint Details : I am filing this complaint because my bank Truist, charged me overdraft fees despite sufficient funds being available in my account. 

Prior to the balance being updated on my Truist app, I transferred funds from one account to another account within the Truist network that was immediately removed from that account in real time to cover the balance before the overdraft fees were posted. According to the information in the banks mobile app, I acted in time to avoid the fees. However, the bank still charged me overdraft fees, claiming that the app does not provide real-time or accurate updates of account balances. 

When I contacted the bank to request a refund of the fees, the representative confirmed that the mobile app does not reflect real-time information but refused to issue a refund. This lack of accurate and timely information leaves me, as a consumer, at an unfair disadvantage. I acted in good faith based on the data provided by the banks app and ensured that funds were transferred before any transactions would cause an overdraft. 

I believe this practice is unfair and deceptive. Consumers should be able to rely on the information provided by their financial institutions tools to manage their finances. The lack of real-time updates and refusal to refund the fees causes financial harm to customers who act responsibly based on the banks information. 

I am requesting that the CFPB investigate this issue and that my overdraft fees be refunded immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX about an account that was opened without my knowledge. I even supplied information where I was incarcerated from XX/XX/XXXX until XXXX XXXX in federal prison. The company closed the account but I see that the account is still reporting on my credit profile. I want the account removed from my account. The account appears to still be reporting despite my claims- I take that whoever opened the account in my name is still making payments or making purchases in my name. Please remove account completely. This is identity theft and its absurd the company still reports this account. It goes against my Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized hard inquiries listed on my credit report. As a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1602 ( p ), which defines and regulates the permissible purposes for obtaining a consumer report.

After carefully reviewing my credit report, I have identified the following hard inquiries that I do not recognize and did not authorize : XXXXXXXX XXXX XXXX XXXXXXXX. 
As you may know I have been a victim of your 2017 security breach which has been reported to Fraud agency Under the FCRA, hard inquiries should only be made with my explicit consent or for legitimate business reasons such as when applying for credit. Since I did not authorize these inquiries, they constitute a violation of my consumer rights as outlined in 15 U.S.C. 1602 ( p ).

****PLease See Fraud Alert****
Product: Debt collection

This company, which I hold no contract with nor have received services from, reported a collection account against my ssn in the amount of  XXXX . I filed a dispute requesting validation of the debt and account however they have not provided any proof. I am not obligated to this alleged debt because I have no signed or verbal contract with this business nor have I received any services from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get XXXX  card to remove an account that is listed on my credit. It is not now, nor has it ever been my account. I have put more then the recommended amount of effort into it. I have at this time exhausted all resources, all abilities, and it is to no avail. Please help me get XXXX to remove this account that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several correspondences in regards to incorrect information on my profile. It has been well over 45 days.
Product: Mortgage

My mortgage was transferred from one company ( XXXXt ) to TIAA Bank. I have 2 complaints : 1. I was not given sufficient notice of the transfer. I received notice by letter less than 2 weeks prior to the  next scheduled payment date of my mortgage payment. As I travel a lot, this meant that my automatically scheduled payment to the prior mortgage company was rejected, and my mortgage went unpaid until I returned home and saw the letter. I do not know who is responsible for notifying me of the transfer, so I'm not sure if this complaint is against XXXX  or TIAA, but I assume TIAA ( the new mortgage company ). 

2. TIAA bank has deficient online access to my mortgage. I constantly receive error messages when trying to set up online access to my account, and am still unable to do so. I have spent hours on hold with the company trying to reach a human, and often give up after hold times of over 2 hours. I have tried calling on multiple days, at different times ( but always during business hours ). 
Last month, I finally talked to a human representative who assumed me, after over 3 hours on the phone, that she's resolved the problem and i would have online access within 48 hours. This turned out to be false. I reached someone today ( XX/XX/XXXX ), who told me the exact same thing the last person did - that she'd fixed the problem and I would have to wait 48 hours before possibly getting access online. However, this means that I won't have access until one day AFTER my payment is due. The failure of their systems and extreme difficulty in reaching a human to talk to is unacceptable.
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items Need to dispute : Transunion XXXX XXXX XXXX XXXX, NV XXXX XXXXXXXX XXXX XXXX XXXXDate Opened : XX/XX/year>XXXX  Balance : {$74000.00} Late/Open
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for TransUnion. It advertises by signing up you get all 3 scores and reports. I signed up paid XXXX it ONLY gave me TransUnion. Then it tried to charge me XXXX more for the other two scores but that's not how it advertised. I called they refused to give me a refund. Rep kept blocking me from speaking to a supervisor. She kept repeating we Are not giving you a refund. I kept saying I've asked several times to speak to a supervisor and you have yet to allow me access to one. Then she said imma put you on hold and she never transferred me to a supervisor. I've attached what their site says when you sign up
Product: Debt collection

Original Creditor : XXXX XXXX ( XXXX ) Account : WAYPOINT RESOURCE GR Date opened : XX/XX/2022. 
Balance : {$160.00} I have disputed 3 times with XXXX company including 2 times online and XXXX time in the mail to XXXX XXXX XXXX XXXX XXXX said it verified it belonged to me. But I am just a college student, and no job to open XXXX alone. I am using everything with my family, so my parents and my older sister paid for everything for me. My sister have a very good score to buy a house and a good job in XXXX. I believe this account from someone and it does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, NJ XXXX XXXX : XXXX / DOB : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX USA To whom it may concern : This letter is in response to your recent claim that XXXX XXXX XXXX  has verified that I have an unpaid debt with them. Yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXX. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person contacted at XXXX XXXX XXXX regarding this alleged account. I am formally requesting a copy of any documents provided by XXXX XXXX XXXX, bearing my signature, showing that I have a legally binding contractual obligation to pay them. A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 
Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the state of Missouri Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violation of the Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report and found an address that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do their website. To make the process of deletion easier, here is the address that I am currently seeing listed which I would like removed please : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX There should only be one address listed on my report, which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : XXXX. XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX Once you have deleted the inaccuracies names and address from my credit report, please send me a copy of my updated report. 

Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has inaccurate information listed for the following companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have made a numerous attempts in trying to get Elan Financial Services to validate this debt that they say I owe {$15000.00} On   XXXX   I mailed a certified letter  XXXX  and on  XX/XX/XXXX  and certified mail  XXXX  I mailed a certified letter  XXXX  to Elan Financial services and I confirmed that both were signed for. I requested that they validate this debt that they say I owe and in validating this debt I am requesting competent evidence bearing my signature showing that I have or ever had some contractual agreement to pay. And asking them to comply with the FDCPA if they can not validate the debt then they must delete it. Well they have yet to validate this debt. On  XX/XX/XXXX  I contact  XXXX  certified mail  XXXX  sending them proof that I have disputed this debt with Elan Financial Services but they refuse to validate the debt or delete it. On  XX/XX/XXXX  I got the confirmation of the dispute from  XXXX  #  XXXX  and I noticed that not only did they not delete this debt that they can not verify but they violated the FDCPA by not marking it as " disputed '' within 30 days as you will see on my the attached results. This violation is {$1000.00} in damages owed to me for this occurence
Product: Credit reporting or other personal consumer reports

Please help! I noticed iquiries on my report that aren't mine. This is hurting me and my family. Please remove them from my credit report. 

XXXX XXXX XX/XX/202XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I received a bank statement from Bank of America in my maiden name, for an account I did not open. Then I received a letter from Bank of America stating they closed the account since they could not verify my identity.
Product: Credit reporting or other personal consumer reports

I wrote Equifax Information Services LLC on XX/XX/2024 requesting that they investigate why they are not reporting a credit score. They still have not corrected this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action 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 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 XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt collectors aren't supposed to commit abuse, deceptive and unfair debt collection practices but your firm has done so. 


A debt collector furnishing an alleged debt to my consumer report as a means of coercing me to pay an alleged debt is extortion. Collection of extensions is a violation of 18USC894 and carries a criminal liability up to 20 years.

Debt Collectors do not have any lawful right to be in possession of my identifying information.

A debt collector thats furnishing a collection to my consumer report is in violation of 15 USC1692d ( 4 ) which is engaging in unlawful extortionate activities. 


Coercing myself to pay you an alleged debt by ruining my financial reputation is a violation of 18 USC894. Now because you all benefit at my expense, the debt collector, original creditor, and consumer reporting agencies again are engaging in racketeering activity 18 USC 892 ( b ) ( 1 ) -Companies have no right to attempt to collect the alleged debt by way of judicial processes. 


Again debt collections can't lawfully : Possess by identifying information, Contact me about an alleged debt, ruin my credit, or SUE me for nonpayment of a debt. 


Please understand debt collector has no lawful standing according to 15 U.S. Code16921 ( b ) Please understand this is also aggravated identity theft 18 USC 1028A.

Lastly, 15 USC 1692c ( a ) states debt collectors shouldnt be contacting me if I didnt give prior consent.

Im requesting to have this alleged trade line debt to be removed effective immediately from all CRAs
Product: Checking or savings account

Wells Fargo rep by the name of XXXX XXXX contacted me in XXXX after sending in a request for mediation, Wells Fargo has sent me a total of six of these forms, five of  them have been filled out in total, sent in. The last such request was sent on XX/XX/XXXX. XXXX offered a settlement amount of {$3700.00} which was verbally accepted. It is now XX/XX/XXXX and no payment received to date. A XXXX XXXX has replied with either a general form response stating attempts at resolution made and all resources exhausted which is a lie or he will attempt to state he can not reply which is also a lie. He has replied in the past which again include a bogus form response. Any supposed check sent to me for payment of settlement was cashed fraudulently and have not received any funds from it. Further, it appears XXXX low-balled her offer as other former Wells Fargo customers received more with lesser damages than myself. I have not heard back from last mediation request form sent in as of yet, I suspect it will be denied. If so, I will require an address to send notice of small claim suit to Wells Fargo. I've made numerous good faith attempts at resolving this directly which includes calls made to Wells Fargo Executive Office Phone Bank, no reps are familiar with mediation program and are unable to locate XXXX XXXX, refer me to one of the settlement administrators which is separate from mediation program offered directly by Wells Fargo.. In closing, I again request refund of {$610.00} which includes fees charged to unauthorized accounts. Failing to do so, I will need an address to send notice of small claim suit
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX XXXX placed a charge off on my XXXX, XXXX, and my Trans Union consumer report. According to the IRS a charge off is considered a certificate of indebtedness which means it is defined by the IRS as income and income can not be reported to a consumer 's report. This charge off must be removed from my consumer report immediately. I am filing this complaint against XXXX, Trans Union, and XXXX for failing to properly investigate errors on my consumer credit report. Despite my attempts to resolve these issues directly with XXXX, Trans Union, and XXXX they have not provided adequate responses or resolved the inaccuracies. Below are the details of my complaint : I have disputed late payments and a charge-off reported by XXXX XXXX on my credit report. I believe these items are inaccurate and requested that XXXX, XXXX, and Trans Union conduct a proper investigation. However, they have failed to provide any documentary evidence of their investigation or verification process. According to the FCRA all creditors must provide an opt out notice to all consumers giving them the opportunity to opt out before furnishing any information to the credit bureaus.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I was notified by XXXX XXXX that hard inquiries were made on my credit report from three companies. These included : 1. A hard inquiry from XXXXXXXX XXXX  XXXX XXXX. 
A hard inquiry from XXXX XXXX XXXX XXXX A hard inquiry from XXXX XXXX First, I went online to dispute these inquiries and the XXXX XXXX number with all three credit bureau. XXXX removed these inquiries from my report. Equifax did not remove the XXXX CARD inquiry from my report, and on XX/XX/XXXX I submitted another dispute online. XXXX is requiring me to submit a report to the FCC and mail them the report. I also froze my credit with all three credit bureaus. I also called all three companies to dispute/cancel the applications and have them dispute the hard inquiries with the XXXX credit bureaus. 

XXXX XXXX was XXXX challenging to reach a human being through their robocall answering system, but after several hours of trying to use different key words I was able to reach a human being and they were able to help me. 

On XX/XX/XXXX XXXX XXXX notified me that a fourth hard inquiry was made on my credit report from XXXX. I called XXXX to dispute/cancel the application and to have them dispute the hard inquiry with the three credit bureaus. They are also requiring me to mail/fax in additional information. After this, I called XXXX and went online to dispute this inquiry with Equifax and XXXX.
Product: Debt collection

On XX/XX/XXXX, at approximately XXXX XXXX, I received a phone call from a man named XXXX XXXX, a debt collection agency, stating they attempted to notify me of an outstanding balance and that I had a " Failure to appear in court. '' They " attempted '' to give me court papers and called me, stating they would attempt again. These people had all my personal information ( SS #, home address, phone number ). They said I owed {$1600.00} from XXXX XXXX XXXX XXXX in XX/XX/XXXX. If I did not accept a settlement, they threatened to sue me, garnish my wages, or take the money from my tax refund. Out of fear, I obliged their request. They stated I had an hour to complete the settlement offer documentation, or they would charge me the original amount plus legal fees. 

After this incident, I contacted the bank and relayed the situation. The representative advised me to get a credit annual report, dispute the claim, and contact CFPB. After further investigation, the credit card XXXX stated was not on my annual report. CFBP and bank customer service informed me that the agency used illegal and threatening tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, I signed up for Self in XX/XX/XXXX and i have made every payment on time. 
My credit usage may be high at times because i am un employed yet i always get it back normal right on time. On XX/XX/XXXX I attempted to pay my monthly card bill which was attached to my Prepaid card but it failed because i had no funds on. I simply added funds in less that 2 mins and then paid. 

XX/XX/XXXX same thing I had money on my card but processed it with my bank. I simply voided it and paid it in less than 3 mins. 

On Wednesday XX/XX/XXXX at XXXX Eastern time, i received an email saying my account was in the process of being closed by XXXX XXXX  and if i did not request closure to contact self credit builder as soon as possible. 

Now with receiving an email after hours there would be no way to reach them, so i made a claim and called the next day only to be told they would escalate and my account was already processed. On XX/XX/XXXX i receive an email which is dated XX/XX/XXXX and it's telling me that my account was closed due to suspicious activity. 
For transparency i have very if not any credit history and was building some by utilizing my card, my grip is this will almost absolutely hurt my credit and there is nothing i can do about it. 
I read that they normally do this if they feel your info has either been compromised or the account holder is engaging in fraudelant activity where in my case i've done neither. 
I'd really like some attention to this matter please because if this is what they do then this absolutely unfair.