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

I was charged two overdraft fees on a single date. This action is contrary to my banks policy listed on their public website which states that customers can not be charged two fees on one date. Please check attached files and summary from website below. 

A maximum of one {$36.00} overdraft fee per day for PNC 's Virtual Wallet customers who are in Low Cash Mode on the Spend account. A maximum of four {$36.00} overdraft fees per day for all other accounts. No nonsufficient funds fee. At least 24 hours to bring your Spend account balance to a minimum of {$0.00}.
Product: Credit card or prepaid card

For the past XXXX months, XXXX XXXX XXXX XXXX has been actively sending me promotional materials about their credit card and its associated benefits. The benefit that was appealing was that after spending {$3000.00} in the first XXXX months, XXXX would credit my XXXX XXXX rewards program with XXXX miles. After spending more than {$3000.00} during the first XXXX months, I called XXXX to inquire when my mileage credit would occur. I was advised that since I was a credit card holder XXXX years ago, these " reward '' miles would not be credited. I was totally surprised and due to their inability to address their own promotional information, I have closed my account with them and will probably never do business with this organization that undertakes consistent false advertising.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/XXXX  incorrectly reported a credit card balance after I fully paid off the balance and closed my account in XXXX, XXXX. This resulted in a delinquency record on my credit reports and a significant damage to my credit score. I contacted XXXX XXXX  and all three credit bureaus ( XXXX, Equifax, and XXXX  ) multiple times during the past month - XXXX XXXX has been extremely difficult to deal with. 

After many phone calls I was not able to get a response from the department that handles credit report disputes. Their representative first said that they already sold my account to a collection agency and would not be able to help me. I then had a conference call with XXXX XXXX  and the collection agency to confirm that there was no outstanding balance associated with my XXXX  XXXX/XXXX  account, as the collection agency already did an investigation in response to my dispute and promptly removed their false collection records from my credit reports. But XXXX XXXX  is still not able to remove their false information in a timely manner. I was given conflicting directions - one representative told me to file a dispute directly with the credit bureaus, and another representative told me to mail a letter to the XXXX XXXX  department that handles disputes. I did both, and XXXX  a letter with supporting document to XXXX XXXX  on XX/XX/XXXX. The XXXX  tracking number shows that XXXX XXXX  received my letter on XX/XX/XXXX. However, as of XX/XX/XXXX, no one in XXXX XXXX  was able to confirm if they received my mail or not, and if anyone was reviewing/working on my case. A XXXX XXXX  representative told me that even if they received my letter on XX/XX/XXXX, it could take up to 90 days to review and reach a conclusion. This is an unacceptable amount of time, especially for a case that was already investigated once by the collection agency that XXXX XXXX used. 

XXXX XXXX/XXXX  is by far the worst financial institution I have had to deal with. They do not have the ability to handle customer account records correctly and resolve customer concerns timely. Their irresponsible actions have resulted in a significant damage to my credit score and financial implications.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Mortgage

I took loan for mortgage from First Commonwealth mortgage and I got different closing process than the rest of mortgage borrowers and when I went for closing day they told me that this lender put all restrictions about the loan and repayment which is any borrowers have to repay the loan after certain grace period which is 45 days normally but for me the first payment have to be paid less than 3 weeks of closing day which will be more difficult to start paying back after all closing cost and down payment and its is really hard for us to restart payment within 3 weeks. closing lawyers they said this not normal way of closing the house but they can not change because lender set their own repayment and I got treated differently than the rest of mortgage buyers customer because of my Origin and race. 
Lender never told us what options we have for repayment and never ask or discuss with us about repayment plan everything we saw at closing day by lawyers paperwork to sign and he told us if we dont sign or closed the house that day we will lose all our down payment so they force us to sign paperwork and I got treated differently than other borrowers If you close early in the month, youll pay many more days of prepaid interest at closing but your first mortgage payment wont be due for about two months, as our scenario above illustrates. 

For example, I close on the XX/XX/XXXX, ill pay about three weeks of interest at closing, but ill have nearly two months to make my very first mortgage payment. 

In fact, because lenders typically provide a grace period to pay up until the XXXX of the month, i could actually have more than two full months before the first payment is due. 
But clearly lender did wrong by made us to restart payment after 3 weeks of closing This bad practice and we got discriminated because our origin and race.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns in the recent CFPB lawsuit. I feel like Zelle failed to investigate my claims adequality and the CFPB findings indicate that zelle has not only neglected to protect consumers like me, but has also allowed repeat offers to exploit the system.
Product: Vehicle loan or lease

This is not a car dealership complaint. This is a Hyundai Corporate complaint. 

My wife and I decided to buy our leased XXXX XXXX XXXX in XX/XX/XXXX, and we were approved for a car loan for the buyout amount of XXXX. Our Credit Union mailed the check and odometer/mileage disclosure statement to Corporate Hyundai Finance and waited for the title and bill of sale to be sent to them, so I could register the car and pay the sales tax at the Rhode Island DMV . When nothing ever came after a month, I called Hyundai and explained the situation, and they told me it was sent, but the credit union said nothing ever arrived. I called numerous times about the status of the title and bill of sale and was transferred to different people, even being hung up on by customer service when I pressed for more information. The credit union then got involved by calling Hyundai and received the run-around about how the title was sent, which it was not, and even they were hung up on by customer service. After another month and numerous calls, Hyundai sent a " letter of no interest '' to the credit union, and we thought the DMV would accept it. When I went to the DMV to register my car, that letter was rejected, and they told me that according to the law Hyundai has to send the title to the bank along with an updated bill of sale. If they can't find the title, they would have to request a new copy from the DMV and then send that with the bill of sale to the credit union. As of today, XX/XX/XXXX, 8 months later, the bank still hasn't received anything and my options are few, and I need some major help. I sent a letter with accompanying documents on XX/XX/XXXX, explaining the entire situation to Hyundai Finance, and wouldn't you guess, the letter seems to have never been delivered to them. I am going to send out more copies of that material to every department I can find to see if anyone can help. After doing my research, it seems this is a tactic Hyundai has used on hundreds and hundreds of people. My registration expires in XXXX, and I find it incomprehensible that Hyundai would partake in this kind of business practice.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking, and the information listed below, which appears on my credit report, is the result of that trafficking. I am requesting that you block this information from my credit report under Section 605C of the Fair Credit Reporting Act.

Accounts to be Blocked : 1. XXXX XXXX XXXX Account Number : XXXX Status : Closed High Balance : {$1100.00} Remarks : Closed or Paid Account/Zero Balance XXXX. XXXX XXXX Account Number : XXXX Status : Charge Off High Balance : {$500.00} Remarks : Account Previously in Dispute - Now Resolved XXXX. XXXX XXXX XXXX Account Number : XXXX Status : Open, Delinquent High Balance : {$22000.00} Remarks : Past Due Date/30 Days Past Due XXXX. XXXX XXXX Account Number : XXXX Status : Charge Off High Balance : {$11000.00} Remarks : Unpaid Balance Reported as Loss XXXX. XXXX XXXX XXXX Account Number : XXXX Status : Open, 30 Days Past Due High Balance : {$2600.00} Remarks : Account 30 Days Past Due XXXX. Extra Account Number : XXXX Status : Closed, 90 Days Past Due High Balance : {$440.00} Remarks : Account Closed at Credit Grantors Request XXXX. XXXX XXXXXXXX XXXX Account Number : XXXX Status : Closed High Balance : {$600.00} Remarks : Closed or Paid Account/Zero Balance XXXX. XXXX Account Number : XXXX Status : Closed High Balance : {$720.00} Remarks : Closed or Paid Account/Zero Balance Please block this information from my credit report within four business days, as required by law. I request confirmation of the actions taken.
Product: Credit reporting or other personal consumer reports

Per 15 USC 1681 ( a ) accuracy and fairness of credit reporting, I am making a complaint regarding the inaccurate reporting on my credit report by XXXX XXXX XXXX, XXXX, XXXX and XXXX. There is no evidence of pure accuracy reflecting of XXXX XXXX XXXX from XXXX, XXXX and XXXX. Neither account opening dates, balance amounts or general account reporting reflect pure accuracy from all 3 credit bureaus. Correspondence was sent to XXXX XXXX XXXX regarding opting out per 15 USC 6802. XXXX XXXX XXXX account also shows on the credit report as a charge off. Per IRS Publication 4681, Charge offs on the credit report are certificates of indebtedness which become income and possibly taxable. Income can not be reported to my credit report. I am also filing a complaint on the Department of EducationXXXX and all 3 credit bureaus for the student loans reflecting on my credit report, per the Family Educational Rights and Privacy Act ( 5 USC 522a , 20 USC 1232g , 34 CFR 99, and Federal Trade Commission . Per 15 USC 6802-6805, I have exercised my right to opt out of reporting. Per 16 CFR 313.1 ( f ), I have exercised my continuing right to opt out of reporting. Per 15 USC 16819 ( a ) accuracy and fairness of credit reporting, I am also filing a complaint against XXXX, XXXX and XXXX for not providing pure accurate information regarding dates, balances or general consumer reporting for XXXX. Per 15 USC 1681 ( a ), I am also filing a complaint on Midland Credit Management, XXXX, XXXX and XXXX for inaccurate reporting of account. Credit Report does not reflect pure accuracy of information.
Product: Credit card

Transferred {$5200.00} to XXXX XXXX credit card and the payment posted to XXXX XXXX on XX/XX/year>. The funds are still stuck in the Wells Fargo account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN A VICTIM of XXXX AND EXPERIAN AND XXXX inquiry issue. I TRIED TO SPEAK WITH REP TRYING TO GET ALL THE INQUIRES OFF MY CREDIT REPORT AND WONT TAKE THEM OFF. NEED THEM ALL OFF MY REPORT. I ALREADY FILED A DISPUTE WITH XXXX  AND WILL WORK ON EXPERIAN BUT NEED HELP PLEASE! I JUST WANT TO HAVE BETTER CREDIT AND THERE MAKING IT VERY HARD CALLED ALL OF THEM AND THE REPS ARE NO HELP AT ALL
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  XXXX XXXX XXXX : {$5500.00} XXXX  XXXX XXXX Balance : {$2600.00} XXXX  XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX XXXX  XXXX  Balance : {$5500.00} XXXX  XXXX XXXX  Balance {$640.00} XXXX  XXXX XXXX  Balance {$2600.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : {$5500.00} XXXX  XXXX XXXX  Balance {$640.00}
Product: Debt collection

Sent a dispute letter asking to stop communications and they keep sending me letters to request payment. 
Debt was fraudulent and they keep attempting to collect without the proper documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi there, I was one of the ~150 million affected by the XXXX breach. This was my experience trying to clean up the mess for myself. 

1. I was not personally informed that I was affected by the breach, despite the urgency and danger of the situation.
2. XXXX XXXX language is vague and misleading. Something along the lines of " you may have been affected by the breach ''. They need to own up to it and say yes, go protect yourself, or no, you 're fine.
3. When trying to fix the problem at both XXXX and XXXX, their credit monitoring product is pushed. The bureaus are making money off of this breach because people are ( rightfully ) scared 3. I tried to place a credit freeze at all three agencies online. At the end of the process every single one said " we are unable to process this request '', or something similar. 
5. I have a {$10.00} charge from Experian on my bank account for the freeze despite the request not going through. 
6. I tried to do the freeze via the automated phone systems at all three bureaus with the same results. None of them went through, and Experian 's line is truly awful. There are silences of 45 seconds between questions and confirmations, and the next step. 
7. I spent my morning gathering the documentation needed to mail in the freeze requests. I spent my lunch break going to the post office and spent {$40.00} on postage for certified mail, money order fees and the fees for Experian and XXXX to freeze my credit.
Product: Credit card

In XXXX of this year, I used Affirm for a purchase from a XXXX retailer. According to XXXX tracking number XXXX, the item was marked as delivered. However, when I arrived home in the evening, the package was nowhere to be found. I immediately contacted XXXX, and they informed me that the only option was to open a dispute with the seller, which I did. Unfortunately, the seller did not take any action. 

As a last resort, I filed a claim through Affirm, the financing service I used for the purchase. The process of filing a dispute with Affirm was very challenging and difficult. Ultimately, Affirm did not resolve the claim in my favor. Now, I am left paying for an item I did not receive.
Product: Credit card

I pay off my credit card bill every two weeks when I get paid to help improve my credit and make sure that I do n't fall behind in debt that I can not afford. Capital one placed a hold on my available funds for a week because I made more than one payment in a month. They said it was out of protection for me, however, I believe they are abusing their power and punishing me for paying off my bill before interest charges could accrue and compound.
Product: Credit reporting or other personal consumer reports

I reached out to XXXX, XXXX and Equifax during the months of XXXX, XXXX and XXXX in 2023. They made it increasingly difficult for me to manage my credit report and file. I was seeking to dispute inaccurate items on my report that I noticed. They informed me that my file has to be reviewed by a fraud agent, and when I asked for an explanation, I was not given a sufficient answer.
Product: Money transfer, virtual currency, or money service

XXXX was held by zelle for no reason, finally gave it back after a full 24 hours then made my actual bank account place a hold. & my funds was all clear & legit still until this day
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon being told by the VA that I was no longer able to pursue a career in Chiropractic I then took the steps to have my loans forgiven as I was in the process of becoming a 100 % XXXX XXXX XXXXXXXX Veteran. I had my physician at the VA fill out paperwork certifying that I was no longer able to pursue a career. My injuries sustained while in the service were the reason for me being approved by the VA for 100 % XXXX XXXX XXXX. 

I have submitted all the required forms to XXXX XXXX   including a letter signed by my physician at the VA acknowledging that I am 100 % XXXX XXXX XXXX veteran. Paperwork was submitted in XXXX 2010 return receipt signature required. 

Account # XXXX XXXX {$8500.00}, # XXXX {$20000.00}
Product: Credit reporting or other personal consumer reports

I have fraud on my account somebody tried to open an account with XXXX XXXX XXXX XXXX XXXX Trans Union told me to file report with you and I can only dispute it by mail by sending printout from your website after filing with you. XXXX does not allow me to file online and they are only open till XXXX.
Product: Debt collection

Company called me on XX/XX/2023 and left a vm. I returned their call today. They tried to pry personal info from me. The first time I called, the woman lied and said she worked for XXXX XXXX XXXX XXXXXXXX XXXX. When i refused to acknowledge the debt as valid or give her any info about me, she hung up on me. I called 2 more times. The third time the person told me he worked for a third party For XXXX XXXX XXXX XXXX XXXX. I asked him if he worked for XXXX or not. I demanded to know who he worked for and he said Radius Global Solutions. I then asked him was it a scam company. He never responded to that question. XXXX reviewers say this company extorts money from people who do not want negative items on their reports so they pay. Its extortion. We need our government to protect us from these kinds of predators
Product: Debt collection

XXXX XXXX XXXX has no right to collect on a debt delinquent from XX/XX/XXXX and XX/XX/XXXX. Nor have they provided validation information as required by the FDCPA. I have requested a validation of the debt your company claims I owe. In response, I received a letter noting the amount ( {$900.00} and {$710.00} ) on XX/XX/XXXX. Consumers have the right to request a validation of debt to ensure the company collecting the debt has not made an error. Sending me notice of the amount I supposedly owe does not prove that I owe the debt ; it merely proves that your company seeks to collect the specified amount. Please note I am not requesting a verification of your records. I am requesting proof that I incurred this debt, how much was incurred, and that you have the right to collect it. Proof of my liability is my legal right under the Fair Debt Collection Practices Act. Furthermore, based on the information regarding this debt provided by your representatives, I believe this debt to be in error partially or wholly and request proof as stipulated by the FCRA. I request proof XXXX XXXX XXXX XXXX is licensed to collect in the state of Georgia.
Product: Credit card or prepaid card

Booked a vacation but it was canceled do to Covid-19. I tried to get reimbursted for the air fare but was dinied by both the booking company XXXX and my credit card company Capitol one.
Product: Debt collection

I was contacted under false pretenses by a courier who was coming to serve me and then given the number to request a stop order but XXXX people gave me inconsistent information and the debt they are claiming I owe is invalid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX or XX/XX/2018 i seen a ad about companies that can help you boost your credit score if you pay them a monthly fee. For instance XXXX XXXX ( online book company } will give you a XXXX line of credit that will report to the credit bureau for XXXX a month. you are paying them just to report to the credit bureau to increase your tradelines which is a rip off they offer online books that you have to download. noone purchases the books its just a rip off to get your money monthly. they report on yur credit report under XXXX. they have a sister company XXXX XXXX that sells merchandise like XXXX, they gave me a XXXX line of credit i have never use these accounts. i have since establshed my own credit and i have advised them i no longer want to use their services. which is really a bias company that reports to the credit bureaus as if they are giving you a line of credit but they arent giving you anything just reportng to the credit bureau and want you to pay them monthly to report to all 3 credit bureaus. i stopped paying them and they have since deemed my credit report. i am asking that all 3 credit bureaus to remove both XXXX accounts from my credit file. Because they are illegal. i will not continue to use them afer i advised them several times i will not continue to pay them XXXX a month for nothing, just to report to my credit bureaus that i have a account with them something that ii can not use and never use,. basically people are paying XXXX just to report to their credit monthly as a fake trade line. I asked them to cancel my service and when i did. and didnt pay thry reportred me as a missed payment. there is nothing to miss. i have never purchase anything from XXXX XXXX please read the attached documents. they are a company that reports fake tradelines and consumers pay them a monthly fee for nothing. Please remove from my credit file al 3 bureaus.
Product: Credit reporting or other personal consumer reports

I recently got hold of my credit report and found some inconsistencies. From what I've gathered, it's important to confirm any errors. I need to verify this item/account : XXXX XXXX Could you please look into this account and share the findings by mail? According to online resources, this should be done within 30 days, so I'll be expecting your response within that period.
Product: Credit reporting, credit repair services, or other personal consumer reports

A late payment was reported on my credit report. I've never made a late payment during the life of this loan, when i contacted the company ( Ally Financial ) they provided me a document indicating that my accent is current and has never been late, and that they would correct any discrepancies on my report. 

To date, that discrepancy is still on my report. I am not sure if it's the credit reporting agency or the company that hasn't fixed it because I've reached out to both with no results.