23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have interest charges, returned payment fees, and interest as well as 2 fraudulent charges I am attempting to dispute both from the company XXXX  removed from my account. 1 that I was just recently made aware of was on XX/XX/20 for {$100.00} and the other is from XX/XX/20 for {$9800.00}. Both are Fraudulent charges that I am trying to get removed. I have sent you via USPS Mail XXXX # XXXX XXXX XXXX XXXX XXXX XXXX Delivered Monday XX/XX/XXXX to your PO Box documents that have been marked up for these charges. This is NEW EVIDENCE and I have attached my letter that I sent along with these documents to this complaint. Additionally because you failed to put these charges on hold, my auto payment failed since I do not have sufficient funds to cover these fraudulent charges and I will not pay for them as is my right under the FCBA. Furthermore, if you attempt to report this non payment to ANY credit bureaus you will be in violation additionally of the FCRA. As a result I now have the fraudulent charges as well as a returned payment fee, late payment fee and interest.
Product: Checking or savings account

On XX/XX/2023 I opened business gold checking account with US bank for my business which is located less than XXXX from the local US bank branch. I intiated the {$100.00} opening deposit on that same day via ACH. The following day, XX/XX/XXXX, I entered a US bank branch and depsite receiving poor, discriminatory, and unprofessional treatment from branch employees I deposited a business settlement check in the amount {$30000.00}. I was told there would be an extended hold on the funds for the check to clear which was fine. The following business day, XX/XX/2023, while setting up the online business app I was locked out of the account. Upon contacting US bank I was told the account was being closed but was not given a reason because it was a different department. I was given a name and number to call for specific information regarding the closure. To date, I have left several messages for the person I was told was handling the account but have never recieved a call back. On XX/XX/2023 I contacted the issuer of the the check to verfify that it had cleared and there were no issues with the funds. I was informed the check cleared on XX/XX/2023 and the funds had been transferred to US BANK without issue. It is now XX/XX/2023 and I have yet to receive any communicion from US BANK regarding this issue of why the account was closed or why they are holding my funds for such an extented period of time when everything is easily verifiable and all funds have cleared without issue. I have just recieved the latest account statement which shows that the account is still techinically open and the balance is currently {$29000.00}. I have been in business for many years and have a large physical location near a US bank branch.
Product: Credit card

Kohl 's Department Store closed my credit card account due to inactivity without properly notifying me and they reported it to the credit bureau and as a result it has negatively affected my credit.
Product: Mortgage

I have this payment on automatic pay. I never miss a payment. The bank generally changes my mortgage payment due to shortages or overages on the impound account. This is okay. However I never get their notices. They increased my payment XXXX dollars and because that overage was not paid they charged me a XXXX dollar late fee even though I made the XXXX dollar payment on time. There should be a law that banks can not charge more on a late fee than what is owed.
Product: Debt collection

I am reporting XXXX XXXX XXXX for violating the FDCPA section 809. It all started when I received a letter dated on XX/XX/2018 from XXXX XXXX XXXX indicating that the Louisiana Office of Student Financial Assistance has purchased the account with a balance of {$25000.00}. Later, I received another letter dated XX/XX/2018 from XXXX XXXX XXXX indicating that the amount was now {$51000.00} and held by the United States Department of Education ( Which conflicts with the first letter ). Because of this I wrote them a letter supported by the FDCPA section 809 which ask a Debt Collector for the validation of the debt because I wanted to know why Louisiana Office of Student Assistance has this debt if I attended XXXX XXXX XXXX in the state of Florida and then transferred to the state of Massachusetts. XXXX responded with inaccurate information in violation of the FDCPA section 809. I then learned that XXXX XXXX XXXX is a Navient Company. After I wrote them requesting Debt validation, they stopped contacting me and reached out to my employer directly with Lawsuits threats to them indicating that the letter are coming from the Louisiana Office of Student Assistance demanding Wage Garnishment that does not require a court order and my employer assuming the validity of the their threats, proceeded to deduct 15 % of my weekly earnings to pay to XXXX XXXX XXXX without a court order. This is a total amount of {$150.00} USD every week which is causing me a lot of financial stress.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts 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 issue aligns with the recent CFPD 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 account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On approximately XX/XX/18 when checking my credit report i noticed an unauthorized hard inquiry from XXXX on BOTH my XXXX  nad Transuion credit report that i did not AUTHORIZED. 

I spoke with the XXXX Fraud department by phone once i was notified of these unauthorized hard inquires. 

after being asked security questions by XXXX i was told they will contact the Credit bureaus and have those Hard Inquiry 's removed and my report will reflect that in 30 days, it have been 3 months and it appears i was lied to and deceived by XXXX. 

They did not remove those unauthorized hard inquires from XXXX   and Transuion but allowed it to stay to intentionally hurt my credit score. 

I contacted both XXXX and Transuion on XX/XX/2018 and was told XXXX never contacted them.
Product: Checking or savings account

today i try to send a wire transfer for the amount of XXXX to my sister in law XXXX XXXX XXXX and they cancel the transaction and lock my online banking i call to try to resolve it but they were disrespectful with me
Product: Credit card or prepaid card

I chose to receive a Way2Go debit card through my unemployment claim, I filed on XX/XX/2020. It has been over 10 days since I have applied and requested my unemployment debit card. I have tried to call the card company to file that I have not received my card, however it will not let me proceed without a PIN number, I do not have a pin because i have yet received my card.
Product: Debt collection

I transferred my cell phone service away from XXXX ( XXXX ). Upon transferring all three of the lines on my account, I was unable to access my online account. I was set up for paperless billing, in which the only way to access bills is through the online account. Since I was unable to access the online account due to no longer having active service, I expected that I would receive a final bill from XXXX. I never received a final bill and suddenly a collection was on my credit reports. I contacted XXXX several times requesting a final bill be mailed to me. They promised me each time that it would be sent, but I have yet to receive the bill and I have no way to verify what charges are being billed to me and why.
Product: Checking or savings account

Hello I contacted my bank and let them know I lost my bank card this is very unbelievable I never in my life experience this. And my debit card was use for {$3900.00} dollars of my hard working money. I really need my money and is under XXXX due to this happening I pray to XXXX find the thieves I have a XXXX XXXX XXXX daughter this is very terrifying.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion intentionally refuses to be in compliance with FCRA laws & more importantly Fair and Accurate Credit Transactions Act ( FACT Act ) of 2003 enacted by congress. 

On the onset, TransUnion, indicated there was a reinvestigation which signals an initial investigation was done. Results from that investigation were neither logged, rendered, nor provided to Ms. XXXX, in 30 days and or til date, despite Ms. XXXX repeated requests. Second, Ms. XXXX requested TransUnion to provide the method of accuracy & verification used by TransUnion pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and TransUnion remains non-compliance till date. Third, Ms. XXXX requested TransUnion to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to Ms. XXXX. Hence, TransUnion again went silent. 

In fact TransUnions only provision has been a computer generated rubber stamped answer to wit ; ( " the customer disagrees '' etc. ). Furthermore, Ms. XXXX didn't ask for TransUnion to speak on her behalf for her or through her nor did she send TransUnion a XXXX word statement expressing explicitly HER disagreement to be added onto her credit file opposed to Demanding TransUnion to remove an inaccurate, unverifiable, and unsubstantiated record pursuant to 609 et. seq. immediately for failure to produce a legal verification of the allege debt. 

TransUnion now gives the mere appearance of impropriety by violating Ms. XXXX privacy rights as a PRIVATE CITIZEN along with engaging in unfair and deceptive business practices. ( UDPA ) Notwithstanding TransUnion 's willfulness to violate FCRA laws, Fed. & State 's rules, opinions, codes, statutes and erode public policy consideration goes unprecedented. 


Whereby, Ms. XXXX is requesting through TransUnions general counsel to provide TransUnion 's insurance carrier 's information.
Product: Credit reporting or other personal consumer reports

Reporting Unauthorized Credit Inquiry I have requested the removal of unauthorized credit inquiry/inquiries on my credit report from all three credit bureaus and upon checking, my latest credit report STILL shows inquiries that I did not authorize. 

I am writing to dispute the following inquiries and ask for their removal from my credit report. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX, 15 U.S. Code 1681e - Compliance Procedures XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX 78215-1153 , 15 U.S. Code 1681e - Compliance Procedures XXXX XXXX XXXX Reported Late on XX/XX/XXXX {$42.00} & Past Due XX/XX/XXXX {$47.00} - Texas 20.03 and 20.05, 15 U.S. Code 1681i XXXX XXXX Requested On XX/XX/XXXX - Texas 20.03 and 20.05, 15 U.S. Code 1681i XXXX XXXX-INDIRECT - Requested On XX/XX/XXXX - 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports- requesting proof of permissible purpose from the entity XXXX XXXX XXXX - Requested On XX/XX/XXXX - 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports- requesting proof of permissible purpose from the entity XXXX XXXX XXXX via XXXX - Requested On XX/XX/XXXX - 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports- requesting proof of permissible purpose from the entity XXXX XXXX - Requested On XX/XX/XXXX, XX/XX/XXXX -15 U.S. Code 1681b - Permissible Purposes of Consumer Reports- requesting proof of permissible purpose from the entity XXXX XXXX LLC - Requested On XX/XX/XXXX - 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports- requesting proof of permissible purpose from the entity
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I reported to Transunion and experian ... Beginning XX/XX/XXXX, public record data collected for credit report reporting purpose including bankruptcies, civil judgement and tax lien must have common minimum 1 ) Name 2 ) Address, social security and / or date of birth. Minimum frequency of courthouse visit to obtain newly filed and updates public records of at least every 90 days. These credit reporting companies fail to removed inaugurated information on my credit report.
Product: Credit card

I am a US citizen and my cell phone was stolen on XX/XX/XXXX in XXXX, XXXX while on vacation. The thieves hacked into my device and opened an unauthorized credit card with Apple after changing my AppleID and locking me out of my email. The credit card opened was called a XXXX XXXX XXXX through a partnership with Apple and Goldman Sachs. I am extremely angry that Apple and Goldman Sachs would authorize a card in a foreign country with absolutely no verbal verification by me and would run an inquiry with the credit rating agencies. I reported the phone stolen to my cell phone provider on XXXX  after it was apparent I would not be able to recover the device. I had marked the phone as lost on XX/XX/XXXX with Apple prior to getting locked out of my AppleID so they should at a minimum have known there was suspicious activity. I did not discover the fraud until XX/XX/XXXX when I noticed an email about the card being shipped. Note that the thieves were able to open the card on XXXX  and promptly maxed out the available credit of {$3000.00} instantly despite the card not physically being shipped with all the transactions occurring in a foreign country. I have submitted an Identitytheft.gov report and a police report and am awaiting a decision that will take weeks. Despite the obvious fraud I am concerned that I will unjustly suffer a negative credit event. I am also going to submit to them chat logs I have with XXXX ( my cell phone provider ) indicating the phone as stolen on XX/XX/XXXX as further proof.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of outdated employment information from my credit report. Specifically, I would like to dispute the listings of my former employers, ( XXXX ) which does not accurately reflect my current employment status. 
Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c, information that is outdated or no longer relevant should not be reported. Since these employers are no longer applicable to my credit history, I ask that you remove this information promptly. 
Please investigate this matter and update my credit report accordingly. I would appreciate a written confirmation of your actions, along with a copy of my updated report. 
Thank you for your attention to this matter. I look forward to your prompt response.
Product: Payday loan, title loan, or personal loan

I got Solar Panels through XXXX XXXX XXXX, XXXX and they used the finance company GoodLeap , LLC. The XXXX Panels were installed but never activated and the permit was not taken out with the City. I've learned that XXXX XXXX XXXX, XXXX company has went out of business. At this point I've reported this to GoodLeap which is looking into the situation however they keep charging my bank account with a my monthly loan amount and sound unwilling to stop it until they figure out my situation.
Product: Checking or savings account

On XX/XX/year> I received an email stating my account was being looked into and they wanted me to verify an incoming deposit. My funds are now locked and Today XXXX, XXXX 2024 I received an email stating my funds are being withheld. {$4100.00} is my total balance across all my checking accounts with XXXX XXXX  and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending 3 letters to Experian ( XX/XX/2022, XX/XX/2022 and XX/XX/2022 ) regarding the removal of inaccurate information on the consumer report. On XX/XX/2022 I called to followup on thw written letters and spoke with a women XXXX from the Fraud department. 

After going over the inaccuracies on the account and incomplete information when I look again on the online account the changes were not made. XXXX XXXX Fraud dept representative ) also mentions to me that my name variation couldn't be changed. That's incorrect information because that name on the consumer report is not full name. Also, my address was not updated as requested. 

This consumer report could have been accurate if proper investigation was completed by the consumer reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account XXXX XXXX XXXXXXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT As a living breathing woman I am aware of my unalienable rights which have been infringed upon. 

I am stopping all communication through medians other than that through Mail, this is including that of my consumer report. I am demanding that you stop all collection activities and that includes reporting anything to my consumer report with the consumer reporting agencies, creditor, and debt collectors. In pursuant to 15 USC 1692C ( C ) Ceasing communication If 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 I am refusing to pay the alleged debt, and if once again anytime you communicate with me I demand that it must be through mail and that all other mediums are cease and desist at once. I am aware of my open end credit plan as defined in 15 USC 1602, With that being said i am also aware of my Unlimited credit file and also the fact that there is a credit FILE and I want to see the transactional history, I want to see my audit trail ( File ) To verify this alleged debt that you are stating me the living person is obligated to pay i demand my audit trail. Send me the verification/ validation below with the file of where and whom the debt was originated from also who was spoken to that furnished this info. 

Send everything to the address below, and once again that is the only medium of communication We will continue speaking through. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX fl XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear sir/mum There is so much complaint about self inc that you people are still egnoring to this day. 

XXXX a victim of self inc fraudulent reporting .Are they getting paid to report negative things? 

I respectfully request your prompt attention to the following inaccurate information on my credit report. The following item is inaccurate negatively affecting my credit please re-investigate this matter and delete end or corrected speeded item. I respectfully request that you provide me with proof of the disputed item specifically any contact note court document or any instrument be having my signature. Failing that this item must be deleted.
Product: Mortgage

I was assigned as an executioner of my deceased sister 's estate and living trust, along with my niece whom along with her children are the sole beneficiaries of the estate. One week before my sister ( XXXX XXXX XXXX XXXX XXXX XXXX  in XX/XX/year>, we provided New Rez mortgage company copies of my sister 's estate along with the trust. After being ran around in circles with this company, I decided to escalate the matter to a manager. We were promised by New Rez that we are authorized to speak on behalf of the account. Once, we were authorized to speak, one of the very first questions I asked if the ( at the time ) past due balance of $ XXXX was caught up, will they foreclose on the property. Secondly, my sister had submitted an application for debt relief due to XXXX and she was approved. New Rez along with the secondary mortgage never responded to either one of the questions. This went on and on for several months along with being denied from speaking on behalf of the estate because New Rez suddenly said the estate and trust material provided was flawed. We went back to the estate attorney who drawn up the estate booklet and trust originally for my sister, but she was unwilling to support or standby her legal work. This mess has been going on since XXXX and both New Rez and the secondary mortgage company terminated all communication until foreclosure.
Product: Checking or savings account

XX/XX/year> I authorized a transaction of {$310.00} from XXXXXXXX XXXX XXXX On XXXX XXXX XXXX changed the amount to {$2100.00} causing my account to go negative {$1800.00}. I did not authorize this amount. Its an invoice they sent me that I was disputing.
Product: Credit card

XX/XX/XXXX I filed a dispute for {$4000.00} with a merchant and cancelled that dispute right after because it was solved with the merchant. Bank of America assured me weekly for one month that money would be sent back to the merchant, and it never was. The case was escalated multiple times, and Bank of America NEVER did anything, while I was continuously harassed by the merchant, and wouldnt even send me a letter which they promised they would do three times. Its over one month now, and Bank of America still hasnt sent any letter for proof they are sending the money back to the merchant. This is by far the worst bank I have ever dealt with, and I closed all my accounts with them due to their consistent lying and inability to perform their duties.
Product: Debt collection

recieved a letter from XXXX XXXX XXXX that I owe a debt from Bank of America for {$3200.00}. There is no verification that amount is my debt. No options were included. They have called me nonstop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint in response to the recent investigation conducted by the Credit Bureaus. I do not agree with their findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular items in question. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXXBalance Owed : {$9600.00} XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$30.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX