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

My Direct Express was charged {$1000.00} for a XXXX. Direct Express never contacted me, it wasnt until my card was declined that I learned about the charge and that I was overdrawn by {$200.00}. 

I contacted the vendor and they informed me they had already submitted a reversal, but it is not showing up XXXX my account. 

I have called Direct Express and have currently been on hold for 7hours total ( this is literal ). After the first 4 hours a rep answered, she saw the charge but needed to transfer to another department Ive been on hold with them for 3 hours. 

Direct Express does not have an email option, another phone number or online chat. The website says we can write them a letter. The same site says to dispute a transaction I must notify with 2 days to ensure the maximum amount I will lose is {$50.00}. 

I also called Comerica Bank ( the parent company ), there advise was to call and not select any options, I tried that and I was disconnected. 

How is it legal to provide no options when a persons money is involved? I am legally XXXX, I receive XXXX XXXX  monthly from XXXX, I dont have spare money. I am literally without a dollar until this is settled.
Product: Checking or savings account

In XX/XX/2019 my checking account at Navy Federal Credit Union was closed due to charge off, the XXXX dollars I owe is primarily due to bank fees from Navy Federal. The multiple {$29.00} charges were due to XXXX trying to process payments on my account. The funds were not available, but XXXX never received the money they were attempting to collect, and Navy Federal never issued them payment. So I was not over drafted. That was until Navy Federal started processing fees for ebays attempts. Then I stated to receive overdraft fees on top of the fees for the attempted account debits. Navy federal kept my savings account open and I was using it to deposit and cash checks that I receive. Well with out any warning or notice they decided to keep my last check deposit to collect for their fees. I have no access to the details because they have locked my account online and through the app. So I can not even see what I owe in total for exactly! Since I had been allowed to cash checks since the closed checking account I had no idea they would keep all of it.
Product: Checking or savings account

i reported on XX/XX/XXXX fraud had taken place on my account, sat on call w  rep for 2 hrs going over transactions.she replied at the end you will need to call back when the provisional credit hit your acct to file a claim so they can send it back to XXXX XXXX and complete full iv. that never happened they closed my account less than 24 hours later by sat XXXX XXXX  they closed the account partially as they stated, i ask well how did you conduct a full iv in 24 hrs they gave no response and said the bank chose to do it for my safety. .they than added the provisional credit sunday XX/XX/XXXX XXXX $ and withheld acces from the entire account bank cards told me i had to walk into a branch XXXXi went in today XX/XX/XXXX they stated bank was reversing the credit and i cant access it u til iv compeleted .i asked why on my last claim i had access the same day so what is the difference now why cant i withdraw any money.they stated inow have to wait 10 days and if anything is owed to youwill be mailed they treated me like a criminal and i feel i should have been able to walk in and withdraw money like any other time .. also what do they mean by owed to me its my money that was stolen and they just closed my account without saying anything.. i never even received a email to notify me after friday that they closed my account. what was the point of mailing me a new bank card and changing ym online id? why are they refusing to allow to to rightfully use the provisional credit that was granted to me? chase bank offer what is called rapid rembursement, mean they are suppose to remburse you while it is being investigated not without the funds in bad faith .i even called back sunday when fund hit account to dispute but chase refused me to dispute sayin account of fully closed but i went in branch and they stated it was not giving me false information, chase never intended on allowing me to keep the rapid rembursement they reversed the payment 24 hours after posting to my account i want to know why did they do this?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Equifax..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Equifax failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this.. XXXX XXXX/XXXX, XXXX XXXX   XXXX
Product: Credit reporting or other personal consumer reports

In According with Fair Credit Reporting Act Account # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX. 
15 U.S.C 1681 Section 602 A. States the I have the right to privacy.

15 U.S.C 1681 Section 604 A : It also state a consumer reporting agency can not furnish a account without my written instructions.
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 XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 

I looked at my Equifax credit repot on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to XXXX XXXX XXXX they are suppose to 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Bank account or service

My original message copied from a screen shot reads as follows : '' Dear XXXX XXXX : Thank you for contacting Wells Fargo. My name is XXXX, and it is mypleasure to assist you today. 
I would like to thank you for choosing to have your accounts with us. Weappreciate having you as our customer. 
I understand your concerns regarding the fees schedule and would like torequest that Wells Fargo make some changes. I know how frustrating feescan be. 
We continually evaluate our accounts and services, while considering theneeds of our customers, industry trends, and impacts of the changingenvironment, and make changes as necessary. Our goal is to set a fairprice that is consistent with the value of each account or service. 
Thank you for taking the time to share your thoughts. Your concerns areimportant to us as we strive to better serve our customers. 
At Wells Fargo, our goal is to exceed the expectations of our customerswhenever possible. 
If you would like to discuss other account options that could bettermeet your needs and help you avoid future fees, please call us anytimeat XXXX ( XXXX ) so we may work together to find theproduct that is best for you. 
In order for us to respond most effectively to your concern, please sendwritten correspondence to the address listed below : Wells Fargo BankExecutive OfficeXXXX. XXXX XXXX XXXX, CA XXXXEnsuring that you have the best possible banking experience is of theutmost importance to us, as you truly are a valued customer. 
On behalf of Wells Fargo, thank you for your business. We are happy tohave you as our customer and appreciate the opportunity to assist youtoday. 
Sincerely, XXXX XXXXWells XXXX Online Customer ServiceORIGINAL MESSAGE : -- -- -- -- -- -- -- -- -Wells Fargo will be losing a lot of customer loyalty based on their fee schedule. XXXX XXXX for example has no international transaction fees ( on their debit cards!!!! ). Almost all banks waive foreign transaction fees since the bank is making money on the transaction itself. My University is actually going to be implementing another fee on students to pay with a major card since banks are not helping but robbing education institutions! XXXX XXXX also provides fee ACH transfers to other banks/credit unions w/o any type of fee. Finally, XXXX XXXX still offers an amazing program while using their checking account and debit card on a normal basis. I have earned over {$100.00} from XXXX XXXX by simply using my checking account. What has Wells Fargo done for me lately? Except fail to work with me on every level, nothing. Wells Fargo, you need to make changes. 
________________________________________________________________________My final response to Wells Fargo Customer Service via the online banking secure messaging : I am shocked that in this new century, lenders would ask for a paper written request to a correspondence address. This should be provided if the customer only wishes to communicate via USPS. I will be forwarding the concern electronically to the CFPB and request their assistance with the matter unless something drastic is done by Wells Fargo to amend this terrible service.
Product: Credit reporting or other personal consumer reports

Complaint Description : I am submitting this complaint to formally address unauthorized inquiries that have appeared on my personal credit report across XXXX, XXXX, and Equifax, in clear violation of federal laws governing consumer rights and credit reporting. Despite having no record of my written consent or authorization, multiple inquiries have been added to my personal credit profile. This unauthorized access has negatively impacted my credit score, compromised my financial standing, and violated my right to privacy as outlined under the Fair Credit Reporting Act ( FCRA ). 

The inquiries in question are listed below by credit bureau : 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 
Equifax : Unauthorized inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Each of these inquiries was placed on my credit report without explicit authorization, in direct contravention of 15 U.S.C. 1681b Permissible Purpose of Consumer Reports. The FCRA mandates that consumer reports may only be accessed under specific conditions, such as written instruction from the consumer. I have not provided such consent to any of the above entities, nor to any third-party intermediary, for these inquiries. 

In addition to filing this complaint, I have taken the following steps : Formal Written Affidavits : I have issued formal affidavits to each of the three credit bureaus, XXXX, XXXX, and Equifax, asserting the facts of this matter under penalty of perjury. These affidavits demand the immediate deletion of unauthorized inquiries and request updated credit reports reflecting these corrections. 

Legal Citations and Statutory Violations : My affidavits cite specific sections of the FCRA, including 15 U.S.C. 1681b ( permissible purposes for accessing consumer reports ), 15 U.S.C. 1681n ( civil liability for willful noncompliance ), and additional provisions supporting my right to privacy. I have made it explicitly clear that continued non-compliance will result in formal complaints to regulatory bodies, further legal action, and claims for statutory damages. 

Demand for Accountability and Compliance : Each affidavit calls for accountability from XXXX, XXXX, and Equifax, with a clear expectation of corrective actions within 15 days. I have requested written confirmation that these unauthorized inquiries have been removed, accompanied by an updated copy of my credit report. 

In summary, the presence of these unauthorized inquiries not only infringes upon my federally protected rights but also poses a reputational and financial risk. As a consumer, I am entitled to privacy, accuracy, and compliance with all applicable statutes. I urge the CFPB to review this matter urgently, as these violations are not only detrimental to my financial health but also constitute willful non-compliance with federal law by the credit bureaus involved. 

Thank you for your attention to this matter. I look forward to a prompt and thorough resolution.
Product: Credit reporting or other personal consumer reports

I paid two accounts XXXX - XXXXXXXX XXXX XXXX, paid in full And got a release of judgement from the judge and company signed. And all three bureaus will not remove item from my credit. 
I also paid XXXX XXXX XXXXXXXX XXXX property all three bureaus will not remove from my credit say. From both rent bureaus and credit history. Ive been getting pass around from agent to agent. When I was told from collectors once paid off when credit bureaus ask we will remove and it hasnt been properly. All they do is transfer me to so many different departments.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several derogatory accounts reporting on all three of the credit reports ( XXXX, equifax, XXXX ). The derogatory accounts are all past the Maryland XXXX XXXX XXXX. 

The bureaus have been notified yet refuse to remove the accounts. The account are reporting at XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), XXXX XXXX, and XXXX XXXX XXXX 

thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are XXXX ( XXXX ) private student loan accounts on my credit report that I have tried to have corrected with Equifax, XXXX, XXXX in the past. The account/tradelines show payments past-due since XXXX of XXXX  by 120 days to 180 days. This is impossible because the accounts are in deferment and/or forbearance. I provided the communications between the lender and myself, yet the CRAs have continued to report the accounts with delinquent payment history. A statement from the lender, dated XXXX XX/XX/2023, is attached. The statement notifies me of forbearance and/or deferment approval and status.
Product: Credit reporting or other personal consumer reports

This is my second endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Product: Checking or savings account

There was several claims and disputes on the account due to fraudulent activity and 1 I was concerned about was with XXXX when I filed a claim because my phone and my wallet was stolen along with my backpack. I had to get a new phone and when I got the new one, I called and check up on the claim, and they close the account around say XXXX or XXXX they were not letting me log back in view my account do any banking income or outgoing, withdrawals, or deposits of any kind, and I was pretty much put on account closure notice unable to withdraw Any funds and I am on XXXX for Social Security. I called and requested and asked, can I go to the branch, but at every turn they would not let me get any money out would not let me do anything and left me with no options to get funds and now I am in a current situation where Im be evicted and currently being evicted due to not be able play my rent and withdraw cash which I requested and they denied and was told that I can not receive any money until they close the account completely I kept calling. I happen to get ahold of a representative very helpful individual that told me that they could do something where they would open a new account for me and transfer the funds to the new account and then they would set up the new accounts and have all my money just transferred over so I have access to it so I can pay my bills And make rents and we are all taken care of on all your account set up, and when you came time to lifting the notices, I was told no and to make it worse. I called back again today question and find out when the date of my account closing annd the date for expected cashiers check and they have now told me that there is no timetable. They originally said it was gon na be XX/XX/XXXX and now they were telling me they is no set date or time table of closure for my account they dont have one set so I am going on 2 months without aability to get any funds, and I am currently in process and have been served papers to be evicted.
Product: Credit card

Citibank Is violating the FCRA Laws by continuing to report Credit Card # XXXX on my XXXX credit report
Product: Money transfers

A Western Union money transfer made while on vacation was not going to be collected by my receiver so I called WU for a refund. I explained to them that I will no longer be at the original location as it was a stop during a cruise. They informed me that they could instead send me a mailed refund check and said it would take 2 weeks to arrive. After 2 weeks I called to inquire why I had n't received anything and was told it had been sent to an incorrect address ( which later I was accused of giving a false address ). I was told my address was corrected and I would be sent a new one. During the next 2 months I did n't receive anything and called customer service multiple times to inquire. Each phone call resulted in my having to explain the entire situation over and over and each agent telling me they had to send a request for information about my check and requested I call back in 24-48 hours. And then I would find myself in the same situation with no information about where my money was. Finally I decided to call and request my money be sent to a local WU store to avoid mail checks that never arrived. When I requested this, again I was told " your request has been sent, please call back to check the status of your request. '' My final call yielded no results saying I had already been sent a check to an incorrect address that I provided and I would have to wait for a new request to process. My original refund request happened XXXX XXXX, 2015. It is now XXXX XXXX, 2015 and I have yet to receive my {$1900.00} USD that is STILL in Western Union possession.
Product: Debt collection

I continue to get an automated phone call from American Medical Collection Agency from a local phone number, not a phone number listed on the company 's web site. I take the call and listed to the voice prompts ( XXXX accent ) to get to a live person ( XXXX  accent ). I let the caller know that I have never done business with their company and wish to be removed from automated calls. The person insists that they will remove my phone number and later the same day or following day I get another automated call. I tell the new person calling the same information given previously that I have never done business with their company and wish to be removed from automated calls. I've already performed this same process several times over the past two ( 2 ) weeks with no change. My cellphone call log shows with the phone number listed " Scam Likely '' : 2 calls XX/XX/XXXX, 2 calls XX/XX/XXXX, 2 calls XX/XX/XXXX, 2 calls XX/XX/XXXX, 2 calls XX/XX/XXXX, 2 calls XX/XX/XXXX, 2 calls XX/XX/XXXX, 2 calls XX/XX/XXXX, 2 calls XX/XX/XXXX, 1 call XX/XX/XXXX, 2 calls XX/XX/XXXX, 4 calls XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I went to apply for a mortgage. Several ( 11 so far ) 150+ day lates showed on our reports for Majr Financial after the account was satisfied and closed. I contacted Majr Financial. They told me they weren't sure why the mortgage company was claiming this showed on the reports and confirmed that the account had been closed and paid in XXXX of 2018 and should be reported as such. They sent me a letter stating that the account was satisfied with the date. ( I will attach said letter ). This is all they did. As the false reporting is affecting our mortgage process, we need the incorrect late payments removed and our scores corrected ASAP
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a statement for my Banana Republic Card from Barclay Bank. I went online on XX/XX/XXXX to make a payment ; however I noticed that both a late fee and interest were charged on the purchase. The statement I received on XX/XX/XXXX was the ONLY statement that I received from them. I always pay my cards in full and on-time, but as this is a card I rarely ( if ever ) use this is not on autopay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

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

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

15 USC 1666B : A Creditor may treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Bank account or service

For about the 8th time, Bank of America has purchased flood insurance on my home when I aleady have insurance. This has been going on for 10 years and it 's taking a toll on my life. Once they do it the harassment goes on and on and they do everything in their power to make it difficult and refuse to refund the money. My agent faxed the documents as instructed on XX/XX/XXXX to a special fax number I was give over the phone directly to the person who was going to make sure this was taken care of. Then today I get the notice that they have purchased the insurance again. The mortgage is in an estate and now they are claiming I do n't have it insured properly even thought it 's been the same for 10 years. I have spoken to 10 different people at B of A and they all have a different story as to what 's right and what 's wrong. It truly is just harassment. I had to file a complaint with the Dept of Justice about 5 years ago for them to acknowledge that I did already have the insurance and that they purchased it from their own insurance company XXXX for XXXX what my insurance cost. They are at it again and I ca n't take it. The XXXX is literally taking a toll on me. They have to be stopped.