23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

On XXXX XXXX, 2016 I went online to my bank account with BBVA Compass Bank, XXXX XXXX, CA. I observed that I had charges that had been deducted from my account that I had not made. I immediately telephoned my bank and was told by the first representative, who was in XXXX XXXX, that I should contact the vendor about these charges. I was appalled that I was not referred to the Fraud Department and instead was told that until the charges left the Pending category and moved into Posted that I would not be able to dispute the charges. Today, XXXX XXXX, 2016, XXXX of the charges have posted. I again called the bank and was referred to Disputes. I was also told that it would take 10 business days to return my funds to my account. I would like to file a complaint because I feel this is extremely unfair that a consumer must follow rules and regulations that are obviously in favor of the banking institution. My bank gets to float on my money. I find this unacceptable. When I use my debit card, charges are immediately taken out of my account. If I get a credit for charges placed on my debit card the bank gets to float on my money until they decide to return said funds. Again, I must complain that this is unfair to the consumer, me, and I want to make a formal complaint.
Product: Checking or savings account

XX/XX/2023 XXXX XXXX  Monday TD Bank XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Vice President, Store Manager NMLS ID # XXXX The ATM at this TD Bank took my XXXX XXXX ATM Card into the ATM machine and then reset to the opening screen, it did not return/spit out my XXXX XXXX ATM Card. I then went inside of the TD Branch and the Store Manager XXXX informed me that I would have to contact XXXX XXXX to receive a new ATM since this TD has no access to the ATM 's in the Branch and does not service the machine. XXXX XXXX asked me what my name was and I presented to XXXX XXXX my NY State Enhanced Drivers License and told him that I also have a account at TD Bank.
Product: Credit reporting or other personal consumer reports

I sent Carmax a cease and desist letter. They have honored the cease and desist
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple disputes with Transunion, XXXX concerning the same reported accounts, XXXX XXXX  and XXXX XXXX XXXX. XXXX removed the incorrect account but XXXX and XXXX are only taking a couple of days to verify accurate. XXXX reported accurate the day after the dispute was submitted the first time. The last submitted dispute was XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Checking or savings account

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting or other personal consumer reports

I submitted a request for an XX/XX/XXXXon XX/XX/XXXX via XXXX formerly known as XXXX who services my student loans. I was approved on XX/XX/XXXX for $ XX/XX/XXXXmonthly payments til XX/XX/XXXX due to financial hardships however on my credit reports, its being reporting I currently have missed payments.
Product: Money transfer, virtual currency, or money service

I made an online purchase on Coinbase.com for XXXX $ of crypto currency. Only after purchasing was I informed that my funds would be un available for withdrawal until the XXXX of XXXX this was over a week ago.I believe my initial purchase was on the XXXX of XXXX for XXXX. I inquired as to why my funds were being held, and I was told it was for " security reasons '' this was the only information that I was given. 
I feel it's very misleading and unfair to the consumer to have there funds held for this long of a period without any real answers as to why. Or without any prior warning that this was standard operating practice for this company. I am a XXXX veteran and As it is I'm already on a tight budget to have my money held hostage without any really explanation why is very frustrating to me. O would appreciate any guidance as to how to best handle the situation. Thank you for your time. Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XX/XX/XXXX I received an email from Experian stating that I had changed my email address associated with my Experian account. I had not initiated this change. I tried calling Experian and was able to put a fraud flag on my credit accounts, but was not able to speak to a person. I have emailed their customer service 4 times with no response. At this point someone has had control of my Experian account and all the information associated with it for 24 hours. I can not log into the account, I can not reach anyone at Experian. Please help me reach them and regain control of my account. I am a single mother of 2 and I don't have the resources to handle the fallout from identity theft. Please advise. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account has been in deferment for s few years as I struggle financially due to XXXX. I moved XXXX to a new home and fedloan servicing apparently were unable to notify me I was near end of my deferment. When I saw a report of 9 lates on my credit report for my student loan I immediately contacted them to fix the situation. My account was placed back into forbearance starting XX/XX/16 which is before the alleged dates of lates. XX/XX/XXXX and XX/XX/XXXX. A month later and there is 9 more. This has substantially devastated my creditworthiness. I have filed multiple disputes and complaints to no avail. I have spoken with managers to no avail. I do not have the finances to make it very far in this situation.
Product: Checking or savings account

l am writing to file a complaint against Navy Federal Credit union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized I was charged fees due to lagged posting of charges and credits. This aligns with the recent XXXX findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my accounts transactions
Product: Credit card

Using my BestBuy Credit Card I made a repair appointment with Best Buy at XXXX XX/XX/year>... .I then canceled the appointment 1 hour later on the same day at XXXX XX/XX/year>. 

I have written confirmation of the cancellation from the merchant. 

No service was provided. I received no benefit. 

BestBuy + BestBuy Credit card are not removing the charges of {$52.00} Even if per BestBuy Credit Card 's own letter ( attached ) the charges are supposed to be removed while in dispute ... these charges have yet to be removed from my account. 

BestBuy/BestBuy Credit card seem to be in cahoots and acting as the same entity.
Product: Credit card or prepaid card

I paid my balance on my Citibank Shop your way credit card in full on XX/XX/2020. The entire balance was paid ON time on the due date of XX/XX/2020.. I received my next statement from the credit card company with an interest charge of {$10.00}. I called customer service on XX/XX/2020 and they said that they would credit the account for the interest of {$10.00}. They did not credit the account as promised. At that point I cancelled the credit card. 

The card was cancelled, but the credit that was promised was not issued and interest has continued to be charged on the interest that they had promised that they would credit. 

I called on XX/XX/2020 to try to get it taken care of. They transferred me 5 times and I spoke to 6 people over 47 minutes. The call was disconnected in another transfer.
Product: Payday loan, title loan, or personal loan

Due to the XXXX XXXX, I have been sick a few times and miss work because of it. I have fallen a month behind on my loan and told the company that I will always be a month behind and I'm still making payments. I don't have the extra to catch up the outstanding balance to bring it current. I told them that and they won't defer my miss payment and will call me to get it brought up current. I'm tired explaining to them that I don't have the extra funds to bring it current and want to recognize cease and desist.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account this account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX  Account # XXXX
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 


US DEPT ED XXXX Balance Owed : {$4100.00} US DEPT ED XXXX Balance Owed : {$7400.00} US DEPT ED XXXX Balance Owed : {$4100.00} US DEPT ED XXXX Balance Owed : {$7300.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Prepaid card

There was an unauthorized charge on my American Express gift card. 

purchase date : XX/XX/year> Amount : {$500.00}
Product: Checking or savings account

I have been a customer of the credit union for over twenty years. I am satisfied with the quality and banking service provided. 
However, most recently, I found I have been charged monthly for a number of months without having signed up for a Bill Payer Plus service. I never signed up for the this service provided by San Diego County Credit Union. I don't have any payments through the systems. I noticed charges have been incurred for the last few statements. I called SDCCU. They claimed I signed up for this service in XX/XX/2021. I asked for proof of this? They could not provide it. I also searched my email and communication. There is no record of me signing up. Since then, they have been charging me {$4.00} for this service, monthly. I don't check my statements as thoroughly. So, that is on me. However, the call agent was willing to refund me XXXX months of the fee, ~ {$20.00}, while the fees have amassed to {$140.00} over the last two and half years.
Product: Checking or savings account

Citi bank de-activated my saving account without notice. I did not receive any notifications such as letters/emails/phone messages, even though I have those in place in my on-line account. 
Please note in my on-line account I also have a couple of credit-card accts, which are all up-to-date and 0-blanced, I don't know how they made a judgement that only my Savings account should be deactivated!?

Now they require me to send back ( paper documents related to ) my personal ID proofs with notarized signature letter which would cause me time and money. 
I asked to resolve it over the phone ( since it is existing account ), but they refused. 
I checked and asked that they don't have any bank branches that I can go to in person, within XXXX miles!!! 

I called them 4 times in total of XXXX hours, no help!!! Only ( the representative ) threatening to send MY MONEY to government!!! This is illegal and rip off! They can get sued by that!
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 of my Police Report/FTC Identity Theft Report ( FTC REPORT 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 are required to block any information identified by the consumer as resulting from identity theft within four business days.

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for a period of one year, at which point I may request an extension of the block. During this period, this information must not be reported to any lender or agency as accurate or verified. 
Several times I have contacted EXPERIAN & XXXX regarding these fraudulent accounts on my report, and no solution has been provided. This situation is significantly affecting my ability to obtain financial opportunities, including housing for my family. These collections have been removed by other credit bureaus but remain unverified and inaccurately reported by your agency. 
Additionally, I have requested signed contracts or verification documents from the original creditor associated with these accounts, but I have not received a response within the legally required 60 days. 
I respectfully request your immediate assistance in blocking and deleting these fraudulent accounts and inquiries from my credit report. I have included the FTC Identity Theft Report to support this request, and I hope you make a fair and informed decision in this matter.
Product: Debt collection

FCR Collection Services claiming to be attempting to collect an unpaid water bill for the City of XXXX XXXX Texas. 

Incessant calls. When I finally spoke to them I asked them to verify the debt in writing and provide to me their legitimacy to collection the debt. Gave them a valid address. No written communication was ever received so assumption was it is fraud. This is for a claimed unpaid water bill when I had the water bill on auto pay ( debit ) so makes no sense that I owe anything as the City would have just debited my account. Further when I tried to contact the City of XXXX XXXX, Texas, their water department refuses to provide me with any information. 

On XX/XX/XXXX ( yesterday ) spoke with FCR Collection Services once again. Their representative acknowledged that they did not send me any written communications but now promised to. 

Their failure to send written communications after our first phone call ( they have never sent written communications ) I believe is a violation of federal law.
Product: Mortgage

On XX/XX/XXXX, I spoke with XXXX and she inquired about my situation and asked which option would I like to take care of the 3 months. I opt 'd for the 3 months to be placed at the end of the loan. XXXX stated she would send me the documentation and I needed to provide it within 30 days. It has been 2 weeks and I have not received any documentation. On XX/XX/XXXX - I contacted my lenders loss mitigation department and spoke to XXXX. She informed me that I would not be receiving such documentation until after the forbearance expired. I explained to her per section 9 of the agreement that would make me ineligible for any loss mitigation options if the agreement expires. Additionally - that would cause a negative reporting on my credit afterwards. The representative stated that is their process and when I advised that would mean they are breaching their own contract and jeopardized my credit. She stated I can attempt to request for it to corrected after the fact. I asked for a supervisor and she told me one was not available and to email them. I am concerned because the lender has numerous negative reviews on deceptive practices. I have adhered to and complied with the terms of the forbearance and the lender should as well. That includes them providing me with the required paperwork and processing it in a timely manner. Not waiting until after my agreement expires to then demand total balance due and effecting my credit report. I informed all representatives I spoke with this month that I WOULD BE resuming my payments on XX/XX/XXXX.
Product: Credit reporting

In XXXX, I was the victim of identity theft. Thieves stole my personal information and opened a credit account at a retailer ( XXXX ). Although XXXX cleared my account the hard inquiry still shows upon my credit report at Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

i apologize but I dont have exact dates but over the past 3 months Ive had issues trying to get a loan for a vehicle as well as hiring a 3rd party to repair my credit. for whatever reason Equifax has no record of my credit history yet the other 2bureaus have no problem w my report as far as providing it. both the car dealership and third party credit repair informed me that I needed to comtact equifax and find out why my report is not provided. Ive called 4 times now and been on hold for atleast 35 min ea time only to try to find out why I have no report only to be either put on hold or told there is no problem yet still when I sign on to myequifax it comes up showing I have no information at all and Im tired of being lied to and given the run around. im not able to do anything due to them not fixing this issue which there saying isnt a problem. the few times ive gotten far enough to speak to a rep they ask me wrong questions to verify my idenity. i am just curious and deserve to know exactlY whats going on. ihave disputed several issues with them and I get emails saying there resolved and to sign in to see the results. well thats a joke because it shows i disputed 7 items but they dont have any results and when i attempt to download my results it shows there are none? im thinking maybe when there system was hacked my info was taken or deleted or something. ive had credit reporting for over 40 yrs now and they have nothing to report? im XXXX and there is nothing on my report yet XXXX XXXX and XXXX altho wrong info is on my report they still atleast have me up to date on there reports and I can physically see my reports and theres no issue when I apply for credit as far as the lender being able to pull up my reports except for equifax. im done waiting on hold as they use covid 19 as there excuse as to wait times and im also done trying to understand the broken english of there reps as well as once they cant figure it out just disconnectjing me. can I file suit against them?
Product: Debt collection

On XX/XX/XXXX, I received three calls about a personal financial matter. The person informed me that I had an outstanding debt with XXXX in the amount of {$140.00}. The address that was provided for the services, I did not recognize. I told all three people that I have lived at my current location since XXXX. The representative ( XXXX ) told me that Apelles acquired the number but then asked me if I had contact with any relatives? She also stated that if I could just answer simple questions she could help me out. I explained to her that I have never had an XXXX account and I wanted to make sure no one had stolen my identity. She informed me that Apelles does not report to the credit bureau so I should be fine.
Product: Credit reporting or other personal consumer reports

I am making this complaint today because I have pulled my most recent credit report and I am extremely confused. It is very troubling as these items are reporting as incorrect and inaccurate information. I would appreciate your assistance to solve these problems. I have done research at my end and as you and myself both aware, there are laws that guarantee that credit bureaus report accurate information. According to the FCRA, the information provided should be 100 % accurate, 100 % verifiable, and reported in a timely fashion. I am well aware you have 30 days to complete this investigation. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could possibly result in an investigation by the Federal Trade Commission. 

I must demand that you run a thorough investigation for each and every mistake listed, and a complete report MUST be provided to me after you have completed the investigation. 

I have not given the following company permission to look at my consumer report on the dates your company Reported on my consumer report or at all for that matter. 

XXXX XXXX XXXX XXXX XXXX  INQUIRY XX/XX/XXXXXXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXX INQUIRY XX/XX/XXXX XXXX INQUIRY XX/XX/XXXX XXXXXXXX XXXX INQUIRY XX/XX/XXXX XXXX  INQUIRY XX/XX/XXXX XXXX INQUIRY XX/XX/XXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXX INQUIRY XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX INQUIRY XX/XX/XXXXXXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXX INQUIRY XX/XX/XXXX XXXX INQUIRY XX/XX/XXXX XXXX INQUIRY XXXX XXXX XXXXXXXX XXXX INQUIRY XX/XX/XXXX Please see the above inquiries as well. 
The Fair Credit Reporting Act also states that the only permissible purpose for pulling someones credit report is : A ) Firm offer of credit B ) Insurance C ) A court order D ) Employment, for a firm offer of credit, a court order, insurance, or employment. None of the above applies to the inquiries on my credit report. Please erase them immediately. 

Any and all private information should be reporting as the following and other information should be deleted from my credit file : Name : XXXX XXXX Date of Birth : XXXX/XXXX/XXXX Social Security : XXXX