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

In XX/XX/XXXX, we opened an equity loan with PNC bank in XXXX, AL - we were told that we HAD to also open a checking account in order for them to automatically deduct the monthly payment. We were assured that as long as we either kept {$2000.00} average checking balance or our loan balance was greater than {$15000.00} then they would NOT charge a XXXX XXXX monthly fee. Several times over the years the checking balance has been less than {$2000.00} and we have never been charged a fee. Starting in XX/XX/XXXX they charged the fee and advised me that it was due to checking account average being below {$2000.00}. I questioned why a fee was charged when my loan balance is still above {$15000.00} and they told me that was no longer an option to waive the fee. They stated that now I was required to maintain a {$2000.00} checking average balance so I asked them when this changed and why I was never notified. They said it would have been on one of my statements but could not advise me which one. I have checked all of the XXXX online statement messages and there is no notification that they were removing the linked option of loan balances over {$15000.00}. I did not want this checking account anyway so I will not pay a $ XXXX monthly fee just so they can deduct my monthly loan payment when I have other bank accounts that I can allow them to debit. I was advised today that should I cancel the checking account they might increase my fixed interest rate on my equity loan from XXXX - I thought thta banks were required to give advance notice of fee changes and I do not think it is legal for them to adjust my interest rate if I choose to cancel the checking account but allow them to do automatic payments from a different bank account. Can you assist me?
Product: Checking or savings account

I am writing to file a complaintI 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 the lagged posting of charges and credit. This issue aligns with the recent CFPB 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 reporting, credit repair services, or other personal consumer reports

I did not consent to or benefit from the following information : XXXX, Equifax, & XXXX listed on my consumer report, block or remove the following account REGIONSBANK XXXX, Under 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed to be excluded from a consumer credit report, if a social security card was used in the transaction. Additionally, under 15 U.S Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report and no consent is FRAUD! If the account is investigated and your results comeback as verified or accurate, understand that under the exclusion section youre not supposed to include factual information and theyre supposed to interview my neighbors, friends, or associates. If the account is not removed you are civilly liable for reporting the information and its also inaccurate.
Product: Debt collection

Hello, On XXXX XXXX at XXXX, I was contacted by Constar collection agency regarding a auto loan debt of {$9800.00}. I asked him why he was calling me here at my job and he stated that this was the number he had and in a rude tone he said " you owe my client {$9800.00} ''. I told him the original company has my cell he said well this was the only way I was able to contact you. I then let him know that he may contact XXXX XXXX XXXX as my account is with them, he said he has not heard anything from them and that I should contact them as they work for me because I am paying them. The agent then asked for my cell number and XXXX XXXX XXXX number. I provided him with both numbers. This agent was very rude to me during the entire conversation, and not only was he rude but he was deceitful in contacting my employer by not stating who he was or where he was calling from. When he called the person who answered she asked him what type of call this was and he said personal. 

Please note I do not want this person to contact me but he is to go through the debt relief consumer. 

Thank you for your time in this matter.
Product: Debt collection

In XX/XX/2019 State Collection Service placed a debt on all three credit bureaus. I recently sent State Collection Service a letter asking for validation of the alleged debt amounting to {$340.00}. State Collection Service did not provide any documents or evidence to validate the account, they did not even respond to my letter that I sent them. This company kept this account on my XXXX, XXXX, and XXXX credit reports despite providing any validation of this debt. Again, State Collection Service did not provide any documents or evidence to validate the account and ignored my request for them. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from my XXXX, XXXX, and XXXX credit reports or provide me with PHYSICAL PROOF, such as a signed legal binding contract of the debt. I have attached the letter that I sent to State Collection Service back in XX/XX/XXXX but again never received a response from them. Your immediate response will be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$33000.00}, {$7500.00}, {$3900.00}, {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$33000.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7500.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$3900.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account.
Product: Debt collection

I am currently paying the debt I have month by month with the money I have enough to pay. I am a XXXX  and now I am receiving a letter for a debt that I have with an account number XXXX XXXX and I don't know what that debt is about.
Product: Credit reporting or other personal consumer reports

Last month I had an interview for an apartment I was applying for, I was notified that I had an unpaid auto loan on my credit report. On XX/XX/XXXX an account with XXXX XXXX  was opened in my name. I have never even had an account with this bank ever. Whoever opened the account took out an auto loan of {$31000.00}. The balance was updated by whoever on XX/XX/XXXX with a payment of {$880.00}. I found out all this information on my credit report through Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have an ongoing issue and complaint against the credit reporting of BBVA USA/ Compass bank account # XXXX. The bank has consistently and I think willfully continued to report inaccurate, incomplete and wrong information on my credit reports for the last year. The account has been sold to a 3rd party collection agency ( XXXX XXXX Solutions ) whom I have dealt with months ago yet BBVA will not remove their negative information from my reports. I have tried many, many attempts to resolve this issue with the bank through means of credit bureau disputes ( that go invalidated ) and contacting the bank headquarters directly ( that are ignored ). 
I have many examples of my attempts through documents that I have sent that I kept copies of for my personal records and proof. 

I will list just some of the documents that I have sent them. 
Also I can show just some of the completely inaccurate or false information that they are reporting on my credit. 
The bank refuses to remove the information/account from my credit profile which is causing me tremendous damage and hardship in everyday life. 

Some examples of attempts to rectify the situation. 

1. I have been sending bureau disputes to Transunion, Experian and Equifax almost each month for over a year now with no clear signs of an investigation or validation of facts.

2. I have sent BBVA a cease and desist letter on XX/XX/19 & XX/XX/19 3. I sent a letter of validation directly to the corporate offices on XX/XX/19. 

4. I disputed with Equifax with markups sheet showing all of the errors and requesting deletion on XX/XX/19 All of these have gone unanswered or ignored. I have attached just some of the documents that I have as proof that I have sent over the last year to them.
Product: Checking or savings account

On XX/XX/2022, I had {$150.00} deposited into my current account. Approximately two hours later, {$120.00} was taken by a company which I had blocked weeks before at the advice of current when I told them that the company has a rputation for taking peoples money. That company I had ordered some wrinkle srum through and I recieved an email trying to say I owed them money which is not the agreement I made with them. I paid the shipping of {$9.00} each for two products, this was deal I was suppose to get for the first time trial of the product. Current allowed the company to take it anyway. Then they refuse to give my money back. I must contact the merchant they said. I did and they said they would refund my money back. The charg had cleared as it shows on my account and I will be sending you screenshots of this with this complaint. The refund is even showing as pending on my account. I spoke to someone last night and I have sent several emails to current over this. The person last night told me like three of four diffrent tales. I have the screenshots. They said I didn't recieve a refund, my money was never taken that the charg reversed, the refund was pending, and that I don't have a refund that's another charg. I have the screenshots to prove all of this. The person made XXXX with saying it outright to my family and everything because I told them they will be looking for a new job. I explained XXXX XXXX is against the law. They said that they can send my XXXX stateme t showing my balance is XXXX. I t et I'd to send them screenshots showing the refund and where my money was deposited and taken. Where is my money if it wasn't taken? The deposit was made it shows it all on my end on the app. I canr pull up statement for XXXX. I disappeared. It shows on XX/XX/XXXX that my deposited {$150.00}, but doesn't show the {$120.00} charg on the XXXX statement. It shoes it on my recent transactions though and I have photos of all of it. It shows pending refund as well but they won't put my money that should of never been taken back in my account. Thanks my name is XXXX XXXX XXXX.
Product: Debt collection

I believe I have paid this off already. I will need to track my bank statements. I would like to know what company this is from. If I 'm not mistaken this should have been a   XXXX   XXXX   credit card which I have paid off. My credit report is showing this is in collections and still open.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a hard inquiry listed on my Transunion report listed as XXXX. I contacted XXXX XXXX and the company confirmed that they processed no inquiries on my account. They also informed me that Transunion using their services to provide credit monitoring, but this should not result in a hard inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Product: Debt collection

I XXXX XXXX is Reaching out to the Consumer Financial Protection Bureau on XX/XX/2022 to Raise a formal complaint against Equifax Reporting Agency. Equifax is reporting false and misrepresentation information on my Credit report I have reached out and disputed these accounts that are reporting false and misleading information to my report this is a direct violation of regulation F XXXX. The three accounts are as follow * XXXX -Violating code 15 u.s.c 1692f and Violating code 15 u.s.c 1692d Harassing and sending old bills out on a closed and charged off account thats been closed this account in now involved in litigation document will be attached. 

* XXXX XXXX Violating code 15 u.s.c 1692f and Violating section 807.this account is also involved in litigation document will be attached. 

* XXXX XXXX XXXX Violating Code 15 u.s.c 1692E this account is committing fraudulent activity on this account I have a XXXX  account only on and it is in accurate and active there is no way that I can have to XXXX accounts this company has been reporting fraud and this account will also be involved in litigation. 

I am requesting that these account be removed from my credit report immediately for the violating codes or this reporting agency will be involved in litigation and I will be forced to testify as a victim of Equifax reporting wrongful credit score to creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing to you in my continued efforts to resolve a deeply distressing matter concerning inaccurate and unauthorized information on my credit report. The violations I will outline below, which have left an indelible mark on my financial well-being and emotional state, compel me to seek your assistance in enforcing the necessary legal remedies. The listed violations are as follows : Incorrect Personal Information : Incorrect Previous Address : XXXX XXXX XXXX, CA XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Unauthorized Inquiries : Unauthorized Inquiry by XXXX on XX/XX/2022 Unauthorized Inquiry by XXXX XXXX XXXX on XX/XX/2022 Unauthorized Inquiry by XXXX on XX/XX/2022 Unauthorized Inquiry by XXXX XXXX XXXX  on XX/XX/2022 Unauthorized Inquiry by XXXX XXXX on XX/XX/2022 Unauthorized Inquiry by XXXX on XX/XX/2022 Unauthorized Inquiry by XXXX XXXX XXXX on XX/XX/2022 Account Inaccuracies and Reinsertion Without Proper Notice : XXXX XXXX Account ( Account Number : XXXX ) inaccuracies : Incorrect high balance Inaccurate date of last activity Reaged accounts Undated late payment Charge off listed as open Collection account with a limit Undated Late Pay and Charge Off Listed as Open : XXXX XXXX Account ( Account Number : XXXX ) Collection Account with a Limit : XXXX XXXX Account ( Account Number : XXXX ) The impact of these violations on my life has been profound and overwhelming. The inaccurate information on my credit report has hindered my ability to secure affordable financing for crucial life milestones, such as purchasing a home or a vehicle. It has shattered my sense of financial security, leaving me anxious and uncertain about my future prospects. The emotional toll of this situation is immeasurable, affecting not only my financial well-being but also my overall quality of life. 

I implore you to consider the emotional and financial distress that these violations have inflicted upon me. As I share my personal story, I beseech you to enforce the legal remedies available to ensure the accuracy and integrity of my credit report. In light of the violations detailed above, I kindly request that the unverified and inaccurate accounts be promptly removed from my credit report. This action is vital not only for my own peace of mind but also to uphold the principles of fairness and justice that our legal system is built upon. 

Thank you for your attention to this matter. I sincerely hope that the Consumer Financial Protection Bureau can assist me in resolving this situation and restoring my financial stability. 

Sincerely,
Product: Money transfer, virtual currency, or money service

My XXXX XXXX account was compromised and unauthorized wire transfer was made using my husbands debit card for a joint Suntrust Bank Account. I have since filed a police report and am working with Officer XXXX Badge # XXXX in regards to the charge. The information has been forwarded to XXXX XXXX at fax # XXXX Attn : XXXX XXXX. I was a victim of identity theft by a 3rd party and should not be held liable. According to XXXX XXXX, my Bank should be refunding me the unauthorized charge which Suntrust has denied because it seems like there seems to be a miscommunication between the two companies and neither company wants to be held responsible. 
Please see attached correspondence with XXXX XXXX and the police report.
Product: Checking or savings account

In XX/XX/year>, I chose to open a XXXX XXXX Bank of America ( BoA ) Checking account, as it had {$200.00} bonus for opening a XXXX XXXX account. The offer expires XX/XX/year>. 
The teller at the bank branch in XXXX XXXX, XXXX applied a promo code for this offer while she was creating the account with me.I chose BoA as I had my other accounts here.Basically every bank like XXXX, XXXX etc including BoA was offering some kind of bonus when you open a XXXXXXXX XXXX account. 
After waiting sufficient time I called the customer service to inquire about the bonus and I was told it is denied that I am not eligible.But they fail to explain what eligibility I did not pass. I asked like what part in your process decided that I am not eligible when I fulfilled all the requirements, they could not answer and kept saying conflicting answers, the promo was not there, in your area is is not eligible and then finally you are somehow not eligible. I showed the offer on their promotions webpage XXXX XXXX XXXXXXXX but they has no clue why my case was denied. I want to complain that they are not honoring their offer of {$200.00} when opening first time XXXX XXXX account. 
Please let me know if you need any more information. 
Thanks XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to inform the CFPB of the bad practices XXXX Equifax XXXX XXXX XXXX XXXX those companies has violated my rights by sharing my personal information without a permissible purpose in allowing third party companies pool my consumer credit report I have posted a freeze in 2021 on all credit bureaus until present day those companies steel passing around my personal private information illegally conducting and verifying information without no permissible purpose. they have conducted investigations in those informations come back verifiable I have asked those companies to provide me with this certification application documentation signature showing my permissible purpose I am requesting that verification I'm the following companies. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( negative {$700.00} ) The company XXXX XXXX XXXX has posted late payments on my consumer credit report 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. This applies to all the companies mentioned above provide me with that verification application signature that I gave permission. You should have those documentations unfiled. If for any reason you can not provide me with those documentation have those items delete it from my consumer credit report.
Product: Mortgage

To Whom It May Concern : I would formally like to file a complaint against Wells Fargo. In 2020, during the early stages of COVID, I went through a furlough at my job. Due to me being out of work I contacted Wells Fargo in XX/XX/2020 to request a deferment on my MTG account, for 6 months. I was granted the 6-month deferral and immediately after those 6 months expired, I resumed making my payments as of XX/XX/2020. Once I resumed making my payments I reached out to Wells Fargo and advised them that I had resumed making my payments. I was told that until all paperwork was completed for the deferment period, payments could be made ; however, they would not be applied to my account accurately until all paperwork was finalized and updated due to the deferral request. I have continued to make my payments on time since XX/XX/2020 through this present day. I have continued to call Wells Fargo numerous times each month to ask how long it will take to get my account back to normal. I have been promised so many different dates that I have lost hope in my account ever being fixed. This is not only affecting my credit reporting but it is also preventing me from being able to refinance my current home and from also trying to buy a new home. It is so hard to believe or understand why it has been 4 months and counting and this issue still has not been resolved. I keep getting tossed around to different people and it seems no one knows what they are doing. I need for this issue to be resolved immediately.