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

I had a couple transactions that I couldn't postpone draft from my account on XXXX  XX/XX/XXXX, the day after a national holiday so my payroll was deposited Wednesday instead of Tuesday. I tried to have the transactions held off a day but was informed that the ACH is sent 3 days in advance to the bank so they can honor it on the date it's for and they have no way of stopping it, which seems Neanderthal in this day and age. Technology, especially regarding finances, should always be real time. So then I could only deal with my bank about the charges. The bank previously told me ( on another occasion ) as long as they were covered by XXXX the next business day, I would not be charged the overdraft fees through their " Peace of Mind '' program. My payroll deposited the next day, and I switched out the remaining money into my other bank account to cover some bills. An XXXX subscription then came out for {$10.00} and overdrafted my account by {$10.00} and I didn't see it until the NEXT day. My fees did not get refunded so I contacted the bank and they then told me because my account was overdrawn by {$10.00} from a NEW transaction, not the ones that were covered by the XXXX XXXX XXXX program which I already paid IN FULL, that I wouldn't be refunded anything. The new transaction had nothing to do with the other fees and it was {$10.00} that could've been deposited had they notified me. I find this predatory and extremely unfair that I should have to lose {$170.00} in fees which they promised me because of an unrelated {$10.00} charge that would've been covered either by a deposit or the {$170.00} in fees they were supposed to refund me. These banks do not tell you any of these technicalities - as a matter of fact, I don't even recall being told about the XXXX XXXX XXXX through any notification or literature, other than what reps tell me when I call to complain. It literally is like they just play with my money and add all these rules and stipulations as they go along. I was never sent anything, signed off on anything, and the last time they told me they were holding my funds, I complained about it and they sent me a " resolution '' that had nothing to do with why I complained. So they take my money at will and then to appease the CFPB or OCC, they respond with some corporate answer that isn't even related to my complaint in the first place. Money literally is necessary for life and as a consumer, I find it extremely disheartening that the government allows banks to charge people excessive fees at will, in the wake of the largest pandemic of this millennia, affecting God knows how many others besides me. You've got ta be kidding me!
Product: Credit card or prepaid card

On my back statements I seen there's been credits loaded from EDD and most Depits made are not mine. I never could used my EDD card at stores because it will decline I had to call the number behide the card first before I can used my card at any stores. And I couldn't go to bank of America to withdraw money because My EDD card had the name XXXX XXXX XXXX and my ID was XXXX XXXX so I never could of used that EDD prepaid card from bank of anerica. I got XXXX from EDD to my bank of America prepaid card. The mosti got was XXXX the rest I don't know what happen. There's transaction not from me or even return purchases that I never return. In the month of XX/XX/XXXXXXXX  to XX/XX/XXXXXXXX  I had a balance of XXXX plus credits XXXX and new balance of XXXX credit and summary of transactions XXXX were depit from my account in 1 months. You can see my bank statements it only shows Depits where you can investigate n see on there cameras where they used card is not me or who ever tookthe money bank of America. I don't know all I know I did not used that money .when I would call bank of America n explain to them my problem after listening and knowing what I was talking about they will hang up on me even the manager of bank of America will hang up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Central Source LLC is preventing me from obtaining an online copy of my XXXX Credit Report via www.annualcreditreport.com. I called XXXX directly and they verified there is no condition on their end that is blocking my access and suggested I resolve this directly with Central Source LLC. Unfortunately, this problem still persists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/XXXX for the removal of a fraudulent inquiry ( XXXX  XXXX XX/XX/XXXX ) but it was closed immediately with a reason ( The CFPB closed this complaint because it has already processed your earlier complaints about this problem. ). I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns and have it removed on my credit report immediately
Product: Debt collection

Today sb investigations contacted my boyfriends parents being very demanding and rude. Then also when I called and asked them to cease and desist they stated that they will keep contacting me and my family regardless of what I do. Then they did n't state the mini Miranda also XXXX, which is an investigator, posed as the owner of the company
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX {$9400.00} XXXX XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I filed various complaints. With Consumer Financial Protection Agency against XXXX XXXX XXXX XXXX XXXX Texas forcing me to pay charges.of {$1300.00} and {$930.00}. 
I can not pay and l am on Permanent XXXX Lifetime and Retired.and on XXXX Lifetime and Retired. 
I am also a XXXX XXXX XXXX XXXX Veteran. 
XXXX XXXX XXXX in XXXX XXXX Texas are Harrassing and Retaliation. 
Their collection Agencies is calling me after XXXX on weekdays and weekend. 
I am on XXXX for my Permanent XXXX Lifetime.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear Walmart : The following account is reporting negatively on my credit reports by Walmart and the accounts question has never been late. If you notice the first Walmart credit was opened on XX/XX/XXXX by XXXX and it was reported as closed/never late. It was transferred to Capital One in XX/XX/XXXX with an updated status as of XX/XX/XXXX. I wish to save us both some time and effort by having the late payments and settling this debt. 
I want you to know that I understand my financial obligations, and if it werent for medical circumstances that caused you to miss a payment, Id have an excellent repayment record. I made a mistake in falling behind, but since then, Ive had a spotless record of on-time payments. 
I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. 
I am provided information showing that the accounts have not been late since XXXX. 

I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments on XXXX. 
Thank you for your consideration, and I hope youll approve my request. 

Sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you to request that you verify and correct some of the negative items that I have found on my credit report. I have identified several accounts and personal information that I believe are either incorrect or questionable. 

Firstly, I am concerned about the account with XXXX, account number XXXX. I request that you verify the payment status, balance, payment history, comments, and account number associated with this account, as I believe they might be incorrect. Please correct or delete any incorrect information from this account. 

Secondly, I am questioning the validity of the XXXX XXXX XXXX account, with account number XXXX. I am uncertain about the name and number associated with this account. Therefore, I request that you clarify this information or delete the account immediately from my credit report. 

Similarly, the account with XXXX XXXX  account number XXXX, also has a questionable name and number. I request that you clarify this information or delete the account from my credit report. 

Additionally, I have found some personal information that is incorrect. The account number associated with the address at XXXX XXXX XXXX XXXX, AL XXXX is not correct. Please delete this address immediately from my report. 

Similarly, the account number associated with the address at XXXX XXXX XXXX XXXX, FL XXXX is also not correct. Please delete this address immediately from my report. 

Furthermore, the account with XXXX XXXX is not my employer. Please delete this information immediately from my report. 

Finally, the account with XXXX  is also not my employer. Please delete this information immediately from my report. 

Thank you for your attention to this matter. I hope that you will be able to make the necessary corrections to my credit report as soon as possible. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I submitted a fraud claim # XXXX with Wells Fargo after finding out my card and pin number had been stolen/compromised and had spent over {$500.00} in my account. Wells Fargo has continuously denied my claim on the basis that sent my card and pen was used then the transaction must have been approved by me. I had a XXXX XXXX XXXX in XXXX of XXXX and it is my belief that someone took advantage and was able to obtain my pen and debit card. I have had around {$30.00}, XXXX pass through my account over the last year and have never disputed a claim unless there was cause.
Product: Vehicle loan or lease

My car was turned in XX/XX/XXXX before the lease was up and our local dealership paid off the remaining lease. As I knew, everything was handled and the car was under mileage and in great shape. XX/XX/XXXX, I started getting phone calls from ally saying I owed fees. I asked the gentlemen why havent I received a statement via mail or email but just a phone call. We verified my email and address and said I would not be paying any fees until I received the summary of charges in the mai. My address has not changed so still unclear why I got a phone call. The guy was harsh and I asked to not be contacted until the bill was mailed and once received then I would contact them. The calls began daily even on Saturday. All hours and it interrupted my job as well. A month later still no statement or email so I did answer and asked again for the next 4 months to mail or email me a statement and its the end of XXXX and still receiving harrassing calls now even from their attorney supposedly. I have still not received a statement of the charges via mail or email. Again my addresss havent changed. These calls have caused additional stress along with affecting my credit. How can you or anyone pay a bill based on a phone call? No statement or anything. The calls have been several times a day 6 days a week now for 5 months when all I asked was to mail a statement. This is harassment and at this time I will not pay for claims I have yet to receive and for the addtonal stress and time they have taken from me, a price cant do justice. I want this dropped before I start filing a case!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is inaccurately including information on my credit report falsely claiming that I have a XXXX XXXX account that has late or missed payments and hurting my credit. 
This account was never late or past due. No payments were ever missed. My spouse was forced to file chapter XXXX bankruptcy. She actually chose XXXX even though she could qualify for XXXX so I would not be affected. I did not for, just her. XXXX XXXX unilaterally charged off this account that was current and up to date. I am under an order of protection and no derogatory marks should be allowed on my credit, nor other attempts to collect, due to my wife 's independent filing. 
XXXX correctly marked the account as closed and nothing else. XXXX initially included the derogatory comments, but upon dispute correctly removed them and now the account just shows as closed. 
Experian has refused to fix their error, and in fact made it MORE derogatory after initial dispute. Any mention of late or missed payments is a LIE and is defamatory. The account should not be presented with derogatory marks on my credit due to my spouse 's bankruptcy. Experian needs to be forced to do the right thing, since they refuse to do it on their own.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Under 15 U.S code 1618B - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) in accordance with the written instructions of the consumer to whom it relate. 

I, XXXX XXXX XXXX XXXX never gave XXXX any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX FTC Report Number : XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and Experian is reporting an incorrect address on my report that does not belong to me. The following address does not belong to me and needs to be removed immediately XXXX XXXX  XXXX XXXX XXXX GA, XXXX
Product: Credit card or prepaid card

I closed my Amex XXXX XXXX ( ending with XXXX ) in XX/XX/XXXX. There was a XXXX credit in the account. Amex said it had issued a credit balance refund check to me on XX/XX/XXXX. However, I did not receive the check. I reached out to Amex. Amex said they had cancelled the check, and will instead credit my existing XXXX XXXX ( ending with XXXX ) in XX/XX/XXXX. So far on XX/XX/XXXX, I still have not received the credit on my Gold card, despite having reached out to multiple representatives at Amex.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXXXXXX XXXX XXXXXXXX. I have a bankruptcy XXXX XXXX on my account. I have tried to dispute it with XXXX, Transunion and XXXX, either the call will disconnect or they are not trying to dispute my bankruptcy from my files. I contacted the bankruptcy courts and they told me they DID NOT give these credit bureaus my information because it is against the Law, and then they emailed me a letter that states so. Ive then tried to dispute the bankruptcy for a second time XXXX told me that they received information from the court house stating my personal information and that the bankruptcy court house told them that the information was correct and again that is against the Law
Product: Credit reporting, credit repair services, or other personal consumer reports

I just got off the phone at XXXX XXXX  PacificTime with staff-members from TRANSUNION in Pennsylvania, over talks about how a fraud account has reappeared on my report months AFTER deletion pursuant to letters i initiated explaining that it doesn't belong to me. I was trying to get help with understanding why i was stripped of my FCRA rights during their reinvestigation proceedings, i was NOT sent any written notification within 5 business days of reinsertion, which is a FCRA LAW the reporting agency TRANSUNION did NOT abide by. I was suppose to of been sent a description of how they went about their procedures determining how this fraud item was all of a sudden accurate. 
Here is the dispute case # of when this item was removed from my report : XXXX Item was marked as fraud and removed by TRANSUNION in XXXX XXXX The staff-member today told me it was then later reinserted in XXXX but under what premises was this necessary and lawful? Where was the consumers notification in this unnecessary action? Not lawful and Nowhere! This is TRANSUNIONS mess up they need to clean up! Asap, they are endangering consumers livelihoods with such costly mistakes.
Product: Debt collection

According to your previous communication, the fraudulent account was not reporting on your credit file. However, upon a recent review of my credit report, I have found that the said fraudulent account still persists. 
The account in question is as follows : XXXX XXXX XXXX- PLEASE DELETE!!! XXXX XXXX XXXX have already removed this account from their records It has come to my attention that other credit bureaus have successfully removed the fraudulent account from their reports, consistent with your initial confirmation. This further underscores the discrepancy and emphasizes the urgency of resolving this matter promptly. I insist on demanding that the fraudulent account be deleted immediately, in accordance with the confirmation provided in your earlier response..
Product: Credit card or prepaid card

I have a Citi XXXX credit card and used points for an XXXX e-gift card. They have repeatedly sent ones with invalid codes. Each time I try to redeem it, it says Error- this code has already been redeemed. THREE times now. I have wasted hours on chat with them and they do nothing to resolve this except sending new ones with invalid codes. I think its ridiculous they cant verify a code is valid before sending it, or just give me the points back as requested. I have been a customer in good standing for years.
Product: Vehicle loan or lease

This car loan was obtain fraudulently and is reporting to my credit account this does not belong to me these agency need to pay attention who they are lending to Ive contacted them they said they will contact me back but have not done so Ive also disputed this information thru the bank and all three credit bureaus with XXXX  being the only one not to respond this has took a drastic hit on my credit as well as of many more fraudulent accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an account left that needs to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

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

After reviewing my credit report, XXXX XXXX XXXX pulled my credit report without me authorizing them to do so. I never signed anything giving them permission to run my credit. Can Westlake please provide me with proof and signature that i authorized them to pull my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Zombie account that should have been removed