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

I have had a tough time for the past few months. I asked USAA if they could reverse the Overdraft fees because they are excessive, and it makes it impossible to dig myself out of debt. I have had OD fees on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX. Each fee is {$30.00}. Ive had {$300.00} in fees for the last XXXX months. Some of these fees were even for paying my USAA credit card. They turned the OD protection off, but they refused to refund any of the charges or make an exception for hardship. These charges are so excessive, and I feel they could limit it to once for each time I overdrafted, and do not have to continually incur fees every day that Im overdrafted. It is unfair, and makes it impossible to get out of this cycle.
Product: Mortgage

In XXXX, 2016, I applied for a mortgage, at XXXX XXXX, for a condo in XXXX XXXX Michigan. I wanted a fixed rate loan, but the loan officer told me that she could only offer me an ARM. I told her that I didn't want the ARM - I'd rather back out. She told me that once I had been working a few more months at my job, she would refinance my ARM into a fixed rate loan, with no closing costs. She also signed a formal letter stating that she intended to refinance my ARM to a " standard 15 year fixed rate not to exceed 2.875 % with no closing cost paid be you ''. So, I agreed to the ARM. I have an electronic copy of the letter. 
The first time I called her to honor her promise, she told me to wait a little longer until the national interest rates went back down. I called her every couple of months. Either she wouldn't answer, or say that she would she would get to it right away. She has never honored the promise. The last time I called her was a couple of months ago. 
She has since moved to XXXX XXXX. XXXX XXXX  has been bought by Chemical Bank, which is now TCF Bank. I called TCF, and they refuse to honor the promise because it was made by a bank that no longer exists. 
Interest rates are currently low, but I still can't get her to honor her promise.
Product: Debt collection

Sure, heres a template you can use : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to dispute the following information in my credit report. This item is inaccurate and I am requesting that it be removed or corrected. 

Law USC 1692C -Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt f a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

Please investigate this matter and delete or correct the disputed item ( s ) as soon as possible. 

XXXX XXXX
Product: Checking or savings account

I was charge over and over again fees but had the money in my accounts, the bank would hold my payments then charge me unnecessary charges.
Product: Vehicle loan or lease

I am one payment of XXXX dollars behind my loan company called today on XX/XX/XXXX told me XXXX u its up for repo and hung up on me I plan on paying it as soon as I get paid next week Wednesday when ill still be only one payment behind I have been sick and in and out of work due to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX and XXXX XXXX/NAVIENT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX XXXX and XXXX XXXX/NAVIENT with no successful resolution. XXXX and XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is computation error or similar errors in the two-year payment history. It is showing inaccurate reported for XXXX and XX/XX/2022 needs to be deleted as soon as possible. It has to be deleted to show XXXX  % payment history. The account overall is positive and good standing. I am attaching supporting documents. FTC Report has been attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting inaccurate and nonfactual data /information on Accounts XXXX XXXX # XXXX and # XXXX. They are reporting inaccurate Past due amounts, a false Balances which has increased even though accounts are closed, and amount is paid in full Transunion is also reporting accounts open when in fact they are closed these are all are negligent and inaccurate reporting and nonfactual. reporting Inaccurate information and nonfactual information is not in compliance with the FCRA. Should Transunion continue in non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with Transunion for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. Transunion 's non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt which has been paid against me and your implied agreement to compensate me for court costs and attorney fees. Additionally, any reporting of this debt to the credit bureaus without validation and continued reporting of inaccurate information it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. Because you are in violation, this account must be removed and deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax credit report XXXX indicated they researched XXXX XXXX XXXX XXXX acct XXXX and verified the account belongs to me. I have never disputed the account belongs to me. I have disputed for years now that my credit information and account was disclosed in a privacy breach reported to my by the federal government and reported to state and federal authorities including the federal task force on identity theft. This information was conveyed to XXXX XXXX XXXX XXXX prior to and after I began disputing the fraudulent charges displayed on my credit card account. Even thought the account is mine, I identified for XXXX the fraudulent charges. XXXX failed in their obligation to conduct a timely, thorough investigation into the matter and as a result permanently and negligently impacted me, my family, my credit report. I repeatedly asked XXXX to produce their investigation and they refused, simply stating they concluded there was no fraud. The account was opened XX/XX/2015 and went fraudulent on/about XX/XX/2015. The account has been carried negatively for over 5 years on my credit report and has been disputed consistently. Throughout this time, XXXX has changed their story, refused to provide a hard copy of their alleged investigation, and stated they were not the appropriate organization in which to present my grievance..
Product: Credit reporting or other personal consumer reports

A Best Buy credit card was fraudulently opened under my name on XX/XX/year>. That day, I called Best Buy and requested a letter from them asking them to document the steps they were taking to close my account and remove it from my credit report, including that the account was not mine, I am not liable for the account, and that it was removed from my credit report. It has now been one month and I have not received this letter. I have called again 3 times requesting this letter. The fraudulent credit card was added back to my credit report due to lack of documentation proving it was fraud because I have not had Best Buy 's support in this matter.
Product: Credit card or prepaid card

XXXX XXXX XXXX I was looking for a minimum $ XXXX higher limit but with no fees, lower interest.The suggestions as per reviews came back as American Express Simply Cash . I tried two times to get the forms fields to fill out correctly and it gave me a message that the offer wasn't available despite it took my information and never gave me a response let alone in 30 seconds as advertised. I had made soft inquiries before without any problems like this and became afraid that I was being info sucked to invade my social security account or some way to hurt me. I was then inquired about my bank info from the site that just claimed there was no offer available. 
I called customer service ( XXXX ) XXXX. The man took my social number and referred me over to another guy who was decidedly XXXX sounding. They had some fake sounding recording beep, and when they claimed my application was there I said I wanted to talk to a supervisor. He put me on hold for 15+- minutes and for a total of 20 minutes so I hung up. This is all too unbelievable compared to other applications.
Product: Debt collection

On XXXX/XXXX/XXXX I received a call on my cellphone from area XXXX same area code as my mothers doctor. Return call to find out it was from XXXXXXXX XXXX. They are in XXXX, Colorado. Why not be honest and use the correct calling area, Customer rep told me they handle XXXX XXXX  accounts. That this account was with them since XXXX/XXXX/XXXX at or about XXXX/XXXX/XXXX they reported this to credit bureau. No letter XXXX just threw on report. 
I told her how could they have account when only letter came from a company called XXXX. That they replied with a cease collection on this account. ( enclosed copy Look at the dates! 
I am asking remove negative from credit report. They do dot want to get involve in this horror with XXXXXXXX XXXX 
Just for your information XXXXXXXX XXXX offer me {$150.00}. I refused ( This was a 2 year contract- They fail in so many ways not your problem. Also refused to register mail.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices violating the CFPA ( Consumer Financial Protection Act ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconveniences and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX -Notarize signed letter asking for Method of Verification XXXX A second affidavit was sent and signed asking again for a Method of Verification. My experian report number from XX/XX/XXXX XXXX my report states the XXXXXXXX XXXX XXXX balance was XXXX dollars open on XXXXXX/XX/XXXX and updates on XX/XX/XXXX. 
That is one of the most recent accounts that are misleading on my credit report and in violation of laws.

Despite two written requests, letters dated and delivered on : XXXX the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly ; who verified these accounts? XXXX XXXX Account was added XX/XX/XXXX and a balance of XXXX then was CHANGED and went DOWN TO XXXX. HOW was this method verified.
Product: Bank account or service

Netspend on behalf of XXXX offers a Pre-Paid Savings account that offers a 5 % optional savings account that you get when you open a XXXX Prepaid MasterCard. In XX/XX/2015 I reopened my card and deposited {$2300.00} into my savings account. When I logged onto my XXXX Prepaid App, the savings account showed an interest rate of 0.0 % for the statement quarter, violating the agreement that netspend included in their terms and conditions. I kept the amount for a month hoping it would change, however it still remained listed as 0 %. I then pulled my money out of it on XXXX/XXXX/2015. When I went to close my XXXX Prepaid yesterday, I was told there was no interest to be paid out, again directly violating the legally binding agreement that I made with Netspend when I opened the XXXX Prepaid Account.
Product: Credit reporting or other personal consumer reports

Hello, I have had to dispute the same account 4 times. They have a balance sitting in collections as a charge off for an item that was included in a XXXX XXXX which was discharged XX/XX/. They have updated it a few times and it keeps coming back. They are in violation of the bankruptcy automatic stay and the next step will have to be obtaining counsel.
Product: Debt collection

I would like to speak with you today about an issue that has been causing me great concern. As you are aware, there is a collection account that has been reported on my credit report, and it has been causing significant damage to my credit score. However, I want to bring to your attention that this collection is not mine in the first place. 

I have been informed that this collection is related to a debt that was incurred by someone else, and it was mistakenly reported under my name. I have been working diligently to have this issue resolved, but unfortunately, it seems that my efforts have been unsuccessful so far. 

I am requesting that this collection agency remove this account from my credit report immediately. It is unfair and unjust for me to suffer the consequences of someone else 's mistake. I have been diligent in managing my finances and maintaining a good credit score, and this collection account is tarnishing my reputation unfairly. 

I understand that the collection agency 's role is to collect debts, but it is also their responsibility to ensure that they are doing so accurately and ethically. I am requesting that they take immediate action to remove this account from my credit report, and I am willing to work with them to provide any necessary documentation or evidence to support my claim. 

I appreciate your attention to this matter and hope that we can work together to resolve this issue as soon as possible To provide further context, I have been dealing with this collection agency for some time now regarding a debt that was originally reported on my credit report. After disputing the debt and providing evidence that it was not mine, the collection agency agreed to remove it from my credit report. 

However, I was shocked to discover that the same debt was re-added to my credit report shortly after the collection agency had removed it. Despite my repeated attempts to contact the collection agency and resolve the issue, they have continued to ignore my requests and add the debt back to my credit report. 

Moreover, the collection agency has been harassing me with incorrect amounts, and they have threatened to take legal action against me if I don't pay up. I have asked them to provide me with all necessary paperwork and proof of the debt, but they have failed to do so. 

In addition, the collection agency has been calling my family members, causing distress and discomfort to them as well. This behavior is unacceptable, and it is clear that the collection agency is not following the guidelines set forth in the Fair Debt Collection Practices Act. 

Therefore, I request that the collection agency takes immediate action to remove this debt from my credit report, provide me with all necessary paperwork and evidence related to the debt, and cease all harassing and threatening behavior. I hope that this issue can be resolved quickly and amicably. Thank you.
Product: Debt collection

XXXX XXXX XXXX XXXX - last email XX/XX/ Several text through out this month and for the past 4 months and continued after I asked them to stop. 
Debt is for XXXX XXXX XXXX shows on my credit report as LVNV Funding LLC. 


XXXX XXXX- XXXX, have asked them to stop contacting me as well and calls continue
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made.. The accounts have nothing to do with me..I am a victim of identity theft and the account is not my responsibility, please remove XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX   XXXX ( Original Creditor : XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX uses XXXX to manage student accounts. They reported me delinquent for many months in a row in error. XXXX said they cant retroactively change my report even though i provided them with a letter from the finance director at XXXX stating that the loan should have been in forbearance
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID XXXX  OPEN FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE CRIMINAL COMPLAINT TO FEDERAL AGENCIES I XXXX  VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Checking or savings account

On XX/XX/XXXX, a total of {$13000.00} was fraudulently removed from my saving account with Wells Fargo Bank. I reported to my main branch in XXXX XXXX immediately and spoke with XXXX people at the branch who confirmed it was fraud. They gave me a fraud number for Wells Fargo to call on my own time, which I did immediately and spent XXXX hours on the phone that first report. Of the total sum removed from my account {$1000.00} was a XXXX  transfer to a person named XXXX XXXX. I do not know this person and have never met them and have never spoken with them. Then {$5000.00} was sent out of the account to XXXX XXXX and then another transaction for {$7500.00} was sent to XXXX again. I do not know and have never spoken with a XXXX XXXX. I filed a report with the bank immediately after spending hours on the phone with them. They replied via email and letter stating that they reimbursed the {$1000.00} that was XXXX out but that they were not responsible for the {$12000.00}. On XX/XX/XXXX the {$1000.00} was credited as well as XXXX separate wire fees. It was clear to me at that point that they did not want to acknowledge the fact that their security was flawed. Mind you, I have XXXX factor security and change my passwords. I was given a fraud claim number for the {$1000.00} and then a separate fraud claim number for the {$12000.00}. I was not satisified with their reply that was essentially a manufactured, auto-generated response and contacted Wells Again XXXX XX/XX/2024. They repeated the same XXXX response and claimed they performed an investigation and tried to recall the money but that they could not. I received the same email and letter. I called again on XX/XX/XXXX to speak with someone who had decision making power. I was tossed around to several different people at Wells Fargo who regurgitated the same things. I have asked for details -- step by step -- as to the investigation they claimed to self-conduct, which doesn't make any sense to me that they conducted it ( of course they don't want to be liable for these funds ), but they failed to send any details to me and ignored my request. I have been a customer with them for decades and this is absolutely unacceptable the way they have withheld my funds, which I could have removed from their institution and invested. I have now been without {$12000.00} for months. Please help. 

I am also aware of other people in my circle where this has happened. Some with Wells Fargo and some with other banks. In those involved with fraud issues and large sums with XXXX XXXX XXXX, they credited their clients. Everyone dealing with this with Wells Fargo is equally frustrated. This is not ok. This is a Wells Fargo problem not a me problem and I should NOT be out this large sum of money due to their failure to protect my account.
Product: Checking or savings account

Can not access banking information. No customer support. Recorded call center and they just keep hanging up. No responses or updates on anything for 2 days
Product: Debt collection

I attempted to log in to view what the amount was and the information that Midland Credit Management had online for a bill that was owed. They said they referred my debt to a lawyer. That lawyer is another debt collector, XXXX XXXX XXXX, and not a lawyer like theyre claiming.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three credit Bureaus Equifax, XXXX and XXXX to have the incorrect information on my credit report deleted due to me being a victim of identity theft. I have mailed letters, called the companies and submitted numerous amounts of financial complaints to get this issue resolved. I feel as if my rights are being violated and as the consumer my right should be protected with consumer laws such as 15 U.S.C 1681 b. I feel like I'm being treated unfairly and my credit is suffering because of it. I have multiple negative items on my credit that is inaccurate that needs to be removed.
Product: Credit reporting

I have requested this creditor validate or verify this account according to the rules and regulations of FTC. As of today, I have not received a response. If this information can not be supplied, it should be removed from all credit bureaus.