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

I honestly think the bank picks and chooses when they'll accept or deny transactions for automated payments. Since having this checking account in XX/XX/, I've had more than one overdraft fee posted to my account. I contacted the bank more than once to request of having fees waived or refunded. They've only one it one time for {$36.00}. They've made over $ 1,000+ dollars in overdraft fees alone and I just started back working again after being unemployed for over a year. By this time next month, I'm transferring my money to a place where I'm not charged overdraft fees and can hold on to money.
Product: Debt collection

Thank you for taking the time to review the complaint. HealthCare Collections continues to furnish unknown debit on the XXXX  profile. 
Made several attempts to dispute through credit bureaus with the 623 methods of verification according to FCRA. The reason for complaint continues to furnish a collection unknown account on the XXXX  credit profile. Requested validation of a signature and contest to contract.
Product: Checking or savings account

I have been having problems with Navy Federal Credit Union for the last year when it comes to rearranging posted transactions by removing them from being posted to pending. I have called them numerous times regarding the matter and I was told that all transactions can have as much as 7 days to post. These transactions were both debit or XXXX transactions that are immediately withdrawn from account. 

There are several examples of NFCU engaging in this practice to the point it has overdrafted my account buy {$270.00} and them There was a debit transaction for XXXX XXXX on XX/XX/2023 for {$23.00}. NFCU acknowledge the transaction and it was approved. The balance of my account at the time was {$1200.00}. As of XX/XX/2023, the transaction is missing. 

On XX/XX/2023, I used XXXX to transfer {$630.00} to my mother and it was approved with no issues. Today, XX/XX/2023, I was sent an email notification that I was charged {$20.00} an overdraft fees. Debit card transaction usually post within 24 hours. This is five days which is way pass the date of the debit. 

They have acknowledge that they have been rearranging my transitions through an email on XX/XX/2023, for a transaction dated back on XX/XX/2023. 

I have attached proof of documentations.
Product: Checking or savings account

i have account with TD bank XXXX -my name ; XXXX XXXX i went XXXX XXXX XXXXXXXX XXXX-i marked deposit by check {$4000.00} in last XX/XX/2020 XXXX the check not come in my accounting - i asked them they told me there was problem by deposit in wrong number -they did that ) and they cancel the check and return it back for to the bank whose issue the check. i went many times and talked to XXXX XXXX XXXX  who issued it to me they sent formally letter say the check is cashed they sent copy from my check with the stamp from TD bank, my problem with TD bank, please look at attachment
Product: Debt collection

Company says we owe {$470.00} but will not provide an itemized list of charges. we have asked on several occasions of an itemized bill. we do owe money to the company but its only {$120.00}
Product: Credit reporting or other personal consumer reports

Subject : Complaint against XXXX XXXX for Failure to Properly Validate Debt and Potential FCRA Violations I, XXXX XXXX, am filing this complaint against XXXX XXXX regarding their handling of my debt validation request and potential violations of consumer protection laws. 
On XX/XX/XXXX, I sent a debt validation letter to XXXX XXXX disputing an alleged debt ( Account XXXX XXXX ) and requesting detailed validation as required by law. On XX/XX/XXXX, I received a response from XXXX XXXX that failed to adequately address my concerns and provide the requested information. 

My complaints are as follows : Failure to Provide Comprehensive Debt Validation : XXXX  XXXX did not provide the detailed information I requested, including a copy of the original signed agreement, documentation showing the chain of ownership of the debt, and a detailed accounting of the alleged debt. 

Inadequate Response to Credit Reporting Discrepancies : In my initial letter, I raised concerns about discrepancies in reporting across credit bureaus. The company 's response did not address this issue, potentially violating the Fair Credit Reporting Act ( FCRA ).

Undue Burden on Consumer : XXXX XXXX 's response requires me to visit a branch location to obtain copies of loan documents, placing an unreasonable burden on me to validate the debt they claim I owe. 

Lack of Clarity on Legal Obligations : The response does not clarify whether XXXX XXXX considers itself subject to the Fair Debt Collection Practices Act ( FDCPA ) or not, potentially misleading consumers about their rights and the company 's responsibilities. 

Incomplete Information : The response does not provide any details about the alleged debt, such as the outstanding balance or the original loan terms. 

I request that the CFPB investigate these issues and ensure that XXXX XXXX complies with all applicable consumer protection laws. I seek a full and proper validation of the alleged debt, correction of any inaccurate information reported to credit bureaus, and any other appropriate remedies for the company 's failure to adequately respond to my validation request. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : personal information : name : XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX Former : XXXX XXXX Current Address ( es ) XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX late payment XXXX XXXX XXXX {$13000.00} XXXX XXXX  XXXX {$58000.00} XXXX XXXX XX/XX/XXXX {$0.00} collection/charge off XXXX XXXX XX/XX/XXXX {$450.00} Repossession XXXX XXXX XXXX XX/XX/XXXX {$0.00} inquiries : XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reposed the XXXX XXXX XXXX that I purchased almost 8 years ago. XXXX sold the car for XXXX buck when it was worth at least {$5500.00}! I cant buy another car because this continues to show up on my credit after 7 years. I've disputed this multiple times on all 3 bureaus and they basically told me its 7 years from when I defaulted not 7 years from when it was opened. I also let them know that the dollar amount was wrong and to no avail. I'm tired of a 7 year problem keeping me from buying a new car. I'm a XXXX XXXX   XXXX Veteran and this is not fair
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BOTH ACCOUNTS WERE REPORTED AS ID THEFT XXXX XXXX 

BOTH ACCOUNTS WERE DELETED FROM MY REPORT XXXX XXXX 

SEE ATTACHED DELETE CONFIRMATION. 

BOTH ACCOUNTS HAVE RE APPEARED ON MY REPRORT.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my convers regarding Zelle 's handling of disputes, particularly in light of recent CFPB Lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB findings indicate that Zelle has not only neglected to protect its customers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is extremely disappointing and unacceptable and raises serious concerns about customer safety.
Product: Credit reporting or other personal consumer reports

Hard inquiries not authorize XXXX XXXXXXXX. I have never apply for any of these companies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A  second hard inquiry occur without my authorization XXXX XXXXXXXX XXXX  using Transunion credit report. 

XXXX XXXX pulled a second hard inquiry XXXX XXXXXX/XX/XXXX. I open a business account XXXX XXXXXX/XX/XXXX for the first time. However, I called within a week for a credit increase limit customer service did not advise me that it would create a second hard pull. This hard inquiry has cause me huge drop of XXXX points from my Transunion. I have contacted several times XXXX XXXX XXXX to see if they can delete this hard inquiry since customer service did not advise me that it would create a second hard inquiry but they just kept ignoring my request. I still doing business with them and so far so good but this hard inquiry has cause me a delay in getting business fund for my company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX XXXX. When I was sick my account was overdrawn. I received a letter from a collection agency to settle the account. I settled the account and paid as agreed. XXXX continue to report the account with a balance. I was informed that I had to pay off the remaining balance regardless of the settlement agreement. I was told once the full balance was paid the paid charge off would be removed from my credit report. 

The full amount was paid as agreed and the account still remains on credit report. XXXX XXXX unions still have account on credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my creditreport in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but Inever received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legalaction against them. Please follow the law so that this matter can be resolved as soon as possibleXXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$540.00} ; XXXX XXXXXXXX Balance Owed : {$3000.00} ; XXXX XXXXXXXX***Balance Owed XXXX {$7200.00} ; XXXX XXXXXXXX Balance Owed : {$1700.00} ; XXXX Balance Owed : {$3400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

dates from XX/XX/XXXX TO XX/XX/XXXX XXXX AND TRANSUNION CREDIT BUREAU OVER THESE MONTHS I HAVE DISPUTED FOR ACCURACY AND VERIFICATION AND VALIDATION OF PUBLIC RECORDS, NEGATIVE ACCOUNTS AND INQURIES THAT WAS UNAUTHORIZED. NOT ONLY DID I DISPUTE THESE ITEMS BUT I REQUESTED FOR THE METHOD OF INVESTIGATION AND I REQUESTED FOR CERTAIN ACCOUNTS TO BE CHECK FOR ACCURACY AND IF THEY WAS, TO PLEASE UPDATED THEM IN MY CREDIT REPORT AND TO EXPLAIN HOW THEY WERE VERIFIED. OVER 3 SEPERATE DISPUTES I REQUESTED THE SAME REQUEST AND THEY NEVER DID. WHICH IS A VIOLATION OF THE FCRA.. THEREFORE THE ARE OVER THE 30 DAYS DISPUTE ON EVERY DISPUTE I FILE.
I ALSO FILE DISPUTE FOR INQURIES AND THEY NEVER DISPUTED THEM. WHICH IS A VIOLATION OF THE FCRA.. THEY ARE ALSO OVER THE 30 DAYS.
XXXX HAVES DISPUTES THAT I SENT THEM, THAT THEY NEVER DISPUTED AND THEY ARE NOT FRIVOUS DISPUTES I AM REQUSTING THAT THEY DELETE AL THE NEGATIVE ITEMS THAT DISPUTE FOR NOT VERIFYING THEM WITHIN THE 30 DAYS, OR I WILL FILE COURT INJUNCTIONS AND CIVIL SUITS AND MORE COMPLAINTS. ALSO COMPLAINTS ITH THE ATTORNEY GENERAL.
THESE ARE THE ACCOUNTS THAT MUST BE DELTED. THEY ARE ALSO INVOLVE IN FRAUD 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX 1. TX BANKRUPTCY XX/XX/XXXX 2. TX BANKRUPTCY XX/XX/XXXX3. MO BANKRUPTCY XX/XX/XXXXINQUIRIES ARE THE INQURIES THAT I DISPUTED.
I ALSO REQUESTED A FREEZE ON THESE CREDIT REPORTS AND SOMEONE IS STILL GETTING INQUIRIES FROM MY CREDIT REPORT AND THEY JUST DONT CARE. THESE COMPLAINTS THAT I AM FILING IS VERY TIME COSUMING BUT IF THEY CONTINUE TO WASTE MY TIME, THEN THEY WILL PAY WITH LAW SUITS
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX, consumer and natural living person submitting this complaint with no third party involved. 

Experian, specifically Experian 's secretary XXXX XXXX committed fraud on my consumer report. I did not consent, benefit, nor authorize these accounts on my consumer report and XXXX XXXX has failed to provide documentation proving otherwise in the time allotted.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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: Debt collection

XXXX XXXX XXXX tried to collect a debt I DO NOT OWE-letter sent to them it is XXXX XXXX tried to collect a debt I DO NOT OWE-letter sent to them is XXXX & XXXX The Collection Firm tried to collect a debt I DO NOT OWE-Letters attached that was sent to themXX/XX/XXXX XXXX is trying to collect a debt I DO NOT OWE-The Debt shows from XXXX has violated the policies established to protect sonsumers!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I disputed unverified information pertaining to XXXX XXXX XXXX being reported on my credit card. For {$470.00}. I disputed this with Experian credit bureau and asked for verification proof of verification without violating my HIPAA rights showing that I owe this debt to XXXX XXXXXXXX. I asked for validation with XXXX XXXX and received no information from them showing my signature or proof of validation. So how is it that experien deemed this account verified without violating my HIPAA rights? .is n't it a violation of the Fair Credit Reporting Act. I would like to know how it is that they did their investigation and I would like to see their methods of verification and proof that they actually investigated this inaccurate account.
Product: Money transfer, virtual currency, or money service

Tried to make a transaction to buy concert tickets.. Never received tickets to XXXX  account.. the fraudulent party then blocked my number.

Called Chase Bank as transaction still showed pending.. Chase said it was to late and money had been sent. There were no disclaimers on the site that said transaction was immediate.. only if both had a XXXX account which gave me comfort that there would be a hold.. not the case..
Product: Credit card or prepaid card

I OBTAINED THE aSPIRE CREDIT CARD AND HAVE AT ALL TIMES ACTED PURSUANT TO THE TERMS AND AGREEMENTS SET FORT I NTHE MASTER AGREEMENT GOVERNING THE CREDIT CARD ALL WHILE DOING SO I ATTEMTED TO USE MY CREDIT CARD TO RENT A VEHICLE FOR XXXX ALL OF WHICH WAS AVAILABLE IN MY ACCOUNT I WAS BEING DECLINED FOR NO REASON AFTER ATTEMPTING TO MAKE THE PURCHASE SEVERAL TIMES ONLINE. 

I CALLED ASPIRE CREDIT CARD CUSTOMER SERVICE AND THEY ASSURED ME THAT THE MONEY WAS AVAILABLE AND DID NOT KNOW Y THE CAR RENTAL TRANSACTION WAS BEING DECLINED.

THIS HAPPENED FOR OVER FOUR HOURS AND OVER 10 ATTEMPTS ALTHOUGH ASPIRE STATED THEY DID NOT KNOW ABOUT THE DECLINES AFTER INVESTIGATION IT TURNED OUT THAT AN ASPIRE EMPLOYEE WAS ILLEGALLY MONITORING MY ACCOUNT AND MANUALLY DENYING MY CAR RENTAL TRANSACTION WITHOUT CAUSE OR PROVOCATION ASPIRE EMPLOYEES LIED TO ME FOR FOUR OR MORE HOURS STATING THEY HAD NO IDEA ABOUT THE UNLAWFUL DECLINE.

I FOUND THAT ATTHE SAME TIME XXXX WAS STATING THAT THEY KNEW NOTHING ABOUT THE DENIALS ASPIRE EMPLOYEES WERE DELIBERATELY CAUSING MY CARD TO BE DECLINED WHEN CONFRONTED WITH THE TRUTH THEY ADMMITTED LYING AND TOLD ME THE CREDIT CARD COULD BE USED AND I NEEDED TO FIND ANOTHER COMPANY TO RENT MY CAR FROM I VEHEMATELY PROTESTED THSI ASPIRE WORKER TELLING ME I COULD NOT USE MY CREDIT CARD AND RENT FROM THE COMPANY THAT DID ACCEPT XXXX. 
I WAS HUNG UP ON AND INTENTIONALLY CAUSED TO BE EMOTINALLY DESTRESED AND MY PURCHASE WAS BEING DECLINED ON PURPASE WITH THE FUNDS AVAILABLE BY ASPIRE WORKERS AN AT THAT IS INCONSISTENT WITH THE TERMS AND CONDIDITONS THAT GOVERN THIS MASTER CARD I WAS TOLD POINT BLANK BY THE ASPIRE EMPLOYEE THAT HE PREFEREED I USE ANTHER CAR RENTAL COMPANY. 

THE CAR WAS FOR WORK AS A RESULT OF NOT BEING ABLE TO LEAGALLY RENT THE CAR I WAS CAUSED NOT TO BE ABLE TO WORK AND LOSS OVER {$1500.00} IN INCOME AT THE TIME OF THE RENTAL I HAD MORE THAN ENUF FUNDS TO COVER THE {$110.00} RENTAL CAR COST THE CAR RENTAL VIOLATED NO RULES OF REGULATION OF THE XXXX AGGREEMENT AND THE ASPIRE WORKER ILLEGALLY TOOK OVER MY CREDIT CARD AND ACTED AS IF IT WAS HIS OWN ATTEMPTING TO COERCE ME INTO USING ANOTHER CAR RENTAL COMPANY WHEN I DIDNT BLOCKING AND DECLINING MY TRANSACTION TO GET THE RENTAL CAR OF MY CHOICE THIS ACTION CAUSED ME NOT TO BE ABLE TO ATTEND EMPLOYME NT THAT REQUIRED THE VEHICLE IN WHICH I WAS LAWFULLY RENTING WITH MY CREDIT CARD FROM ASPIRE I ASKED TAHT THE WHOLE CONVERSTION AND CALLS BE RECORDED AND NOT DESTROYED BY ASPIRE I AM REQUESTING THAT ASPIRE CREDIT CARD WORKER ACTIONS OF DECLINING MY TRANSACTION AND ATTEMPTIN TO FORCE ME TO USE ANOTHER CAR RENTAL COMPANY BE FOUND IN VIOLATION OF THE MASTER CARD AGREEMENT THAT ASPIRE CREIDT CARD BE REQUIRED TO PAY ME ALL LOST INCOME LOST DURING THE TIME OF THE RENTAL WAS ATTEMPTED XXXX XXXX LAST 4 SSN LAST 4 CARD NUMBER XXXX XXXX XXXX
Product: Mortgage

I am trying to get intouch with the Beneficial finance company.  They sold all their loans in the US.  Since we never completed a loan with them we do not have an account number and our SS# are not on any records they have.  I sent the following letter to them explaining what problem we needed fixed by them and we sent it certified mail but when we track it there is no information that it was delieveded.  Here is what I sent them.We need some one to remove a record at our local XXXX county courthouse in XXXX that says our property is being used as collateral on a loan through XXXX XXXX XXXX.  On XX/XX/XXXX we applied for a loan at the local branch office in XXXX, Pa and then a day or so later we went back into the office and cancelled the loan.  No checks were ever issued, and it fell within the three-day period we were given to think it over.  Recently we applied for a second mortgage through our local Credit Union and they did a property report which showed a loan on it with date of XX/XX/XXXX and it was recorded on XX/XX/XXXX, record book XXXX record page 497 in the amount of XXXX. We need this removed to avoid future problems and we need a letter faxed to our credit union to tell them that we do not owe you for this loan and that the property is free and clear of this debt. Please fax this letter to XXXX XXXX XXXX XXXX XXXX attention XXXX XXXX XXXX.   Please act quickly since the loan we are applying for will be on hold till we can prove we don’t owe this money.
Product: Mortgage

I closed with The Point ( a shared equity loan company ) in XX/XX/2020 and the amount I owe them depends on my home value and the length of timne I have my loan. I am trying to pay them off now to get the amount to a minimum but no one will take my calls or answer my questions for two months. In XXXX I emailed their company asking for a payoff amount. No one contacted me back. In XXXX and XXXX I emailed also. No one contacted me. I am refinancing my home with my current lender to pay off the point and it is now XXXX and we are closing this month but they need the pay off amount and info. I called the Point 6 days ago and was told " that dept is unavailable and they will call you back ''. No one ever called me. I emailed that dept directly with my appraisal report but never heard back. I emailed the president of the company today and havent heard back. I called the customer service for the point today and was transfered to a voicemail where I left a message. Still haven't heard back. Since the more time that goes on increases the amount I have to pay, I feel that they are ignoring my requests for a payout in order for me to owe more money. I need the government to step in and help please.
Product: Mortgage

I completed all the required steps and provided all of the documentation required to obtain a mortgage. The mortgage lender gave no reason why the mortgage was not completed before the purchase agreement expired. I was intimidated to not get competing offers, that might have allowed me to get other financing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax announced that they were hacked on XXXX/XXXX/XXXX and that the personal information of costumers may be compromised. I checked my status on the equifax security website that Equifax provided in order to determine whether I was a victim or not. The website noted that I may be a victim. This places great stress on me and the possibility of my identity being stolen
Product: Credit reporting or other personal consumer reports

Yesterday, I received an email notification from Experian saying my credit score had dropped. I logged in to see what had happened and the notifications said it had dropped XXXX points. However, the dashboard said there was no change. 

I tried multiple times to use the support center to get help, but there was no help for this. I tried telephoning, but they have an AI assistant that isn't very intelligent and could neither help me nor connect me to an agent.
Product: Debt collection

The law offices keep contacting me for another person. I have told them repeatedly that I am the holder and owner of this phone and to not contact me or this person on my telephone. They have ignored this request and continued to contact me. 

Law Offices of .. XXXX XXXX