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

I purchased furniture in XX/XX/XXXX & XX/XX/XXXX from XXXX XXXX ( where the loan originated ) in XXXX XXXX, FL, both with affiliate bank loan agreements ( Synchrony Bank ). Together the loans totaled {$2200.00}. The first loan was supposed to be interest-free for 5 years if the minimum payment was made. The second loan had to be paid off entirely in 6 months. We made minimal monthly payments on both loans of {$85.00} per month total ( they combined the 2 loans into one account without our knowledge ). We were NOT made aware the loans were tied together. If loan 2 were not paid entirely in 6 months time, we would be paying off confiscatory interest at the rate of 29.99 % from day one on loan 2 (  only ). However, our minimal monthly payment was applied to the interest on loan 2, and the principal of loan 1, without our knowledge. Clearly the intent was to trap the borrower into being stuck paying interest on two loans since they were tied into one account together without my knowledge. That means 40 % of our monthly payment of {$83.00} is for interest only. We have been paying that interest every month since XX/XX/XXXX until today and for the duration of the loan. This increases the loan payoff period These are deceptive loan practices because they tied them together without our knowledge and the loan rates of 30 % is unconscionable ( usury ). As of XX/XX/XXXX Synchrony ( XXXX ) says we owe another {$790.00} in interest and {$1700.00} in principle, even if we pay it off entirely. If it is not paid off in total today we will have over {$3000.00} of additional in interest. That is much higher than the original principal alone. Acct No. XXXX XXXX XXXX XXXX
Product: Debt collection

I acknowledge that as per FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you mind reviewing the documents? I've noticed that several of the listed accounts appear to be inaccurate, and this is causing me concern
Product: Payday loan, title loan, or personal loan

I took out a loan with XXXX not knowing the interest being charged on the loan. I took out a loan for {$3000.00}, i have made 9 payments of {$390.00}, a total of {$3500.00}, the principle plus interest of {$510.00}!! Annual interest rate of $ 15.015 % a total of 24 pymts and will have paid {$6300.00} more than double the loan. I was not aware of this when I signed the loan. I feel I have paid the loan plus suffice interest and they should not be allowed to charge the interest they do and animadverting.
Product: Debt collection

this debt is about 6 years old I was never notified of the debt never call me or sent a letter and I get a summon to appear in court about the debt in the state of Georgia they have 2 years from there to file or contact me and thing didn't and this is a violation of Georgia law and they not have my signature on anything no contract or paper of debt this debt is not to validate and it was not sent by XXXX county police this is not my name on the paperwork.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 


XXXX XXXX XXXX XXXX
Product: Checking or savings account

My account was closed for Fraud that wasnt being committed by me. In XXXX I spoke to a supposed BOFA Fraud unit I was asked to pay a balance of {$1600.00} dollars of monies I didnt then or believe now I owe. At the time I was desperate to open an account even after having such a bad experience with bank employees denying me access to an account of mine that had a balance. Employee out of Nowhere said to me I needed a lawyer. Fast forward that account was purged no more than a couple months after it was closed by BOFA which seems really unusual or odd for the account to be purged without out me be informed. Now Im told I have a restriction until XXXX with no clear explanation by BOFA documents etc. my right to know about anything with my identity attached to it is Violated when information is being withheld and im given misleading information to keep me from knowing including from contacting the proper authorities to report this. I have in my pictures photos of screenshots of accounts but with a twist because those are the pictures except the Internet address was swapped from STATIC ETC. to Secure my connection was never secure, that was my biggest concern that I took to a branch in XXXX Oregan were the branch manager of the BOFA went through account and he himself made claims he said were fraudulent monies that were deposited to 1 of the 4-6 accounts that started existing with my original 2 accounts I opened in XXXX BOFA. Those claims were deposited to account on XX/XX/XXXX, I never got access to and disappeared. BOFA gave me statements with no record of any kind on any account. When comparing my XXXX statements, XXXX Oregan XXXX, online Statements, and XXXX XXXX Branch DTLA statements they were not 1 bit similar Like from a totally different computer program print or windows built
Product: Credit reporting

With all due respect, I now understand from speaking to "  XXXX  '' with TransUnion on  XXXX / XXXX /  XXXX   at about  XXXX  PM she advised me thatTransUnion validates this information from the  US  Bankruptcy Courts. I ask was she very sure and she assured me that was correct information. I specifically asked if you ( transunion  )  called   XXXX   to validate or verify this info and she said " NO '' this information as either obtained through the Courts itself or through a  XXXX  party provider by the name of  XXXX . Having said that, I reached out to  XXXX  and they advised me that my file there was locked so then I sent a certified letter to the courts and received a letter back stating they DO NOT provide Bankruptcy status ' to the Credit Bureaus, please find the attached document. I would now like to know How was this really verified, whom at your company verified this information, what date this information was VALIDATED, and the steps involved in " VALIDATING '' information from a dispute. I have gotten different answers every time even through the CFPB.     I would like for TransUnion to VALIDATE this as being accurate and provide me all documentation that made this Bankruptcy Mine.     I hereby request a Full Investigation of this and expect to have results within 30 day as this is the time allowed under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was approved for an XXXX credit card with a {$300.00} limit ending in XXXX in XX/XX/XXXX and immediately paid the {$75.00} annual fee. The only charge to card was an {$87.00} paid in full without interest. I decided to close the account in XX/XX/XXXX prior to a relocation and after the final payment of {$87.00}. I never received the prorated refund amount paid on the {$75.00} annual fee for the closed account. In XXXX, XXXX, my family relocated to another state and I submitted a letter to close the XXXX card and mailed the letter and card back to XXXX aka XXXX XXXX. 

In XXXX, I noticed a collection amount on my credit report that with each month continued to grow by hundreds of dollars. I disputed the amount with the credit bureaus and the negative entry was removed. Again, in XX/XX/XXXX the negative tradeline was back on my credit report for a total of {$380.00} which I am assuming is the bank having charged another annual fee in XXXX to the closed and unused account and then repeatedly adding late charges and fees to the balance to increase it. I have not received any bills from XXXX aka XXXX bank due to relocation and I believe this may have been intentional. Now, XXXX aka XXXX XXXX  has finally reported the account as " Closed '' but has placed a Charge-Off amount of {$380.00} which I do not owe. This {$380.00} exceeds the original credit limit which places further damage to my credit. This account was closed in XXXX with a {$0.00} balance, and the card was mailed back to the bank. The collections department has been unreachable since Covid and XXXX   aka XXXX XXXX  refuses to reply to any disputes, My credit has been severely damaged and this has prevented me from refinancing my home and also caused my other lines of credit to have increased APR 's as I'm seen as a credit risk due to my XXXX  score dropping XXXX points when this was added to my reports.
Product: Checking or savings account

On XX/XX/year> I was led to believe that a Truist bank employee needed XXXX info to keep a fraudulent XXXX XXXX charge from being made to my account. On XX/XX/year> I met with XXXX XXXX at my local Truist Bank to file a claim for the resulting {$2500.00} that was taken from my Savings and Checking accounts. A letter dated XX/XX/year> denied that claim. Obviously they had taken no time to look at the details. On XX/XX/year> I sent a letter to Truist Operstions with copies to Truist Fraud and XXXX XXXX providing more details for the claim. A letter dated XX/XX/year> informed me that Based on the facts of our investigation, your claim is found to be valid. I received a deposit of {$110.00} of the {$2500.00}
Product: Money transfer, virtual currency, or money service

I had unauthorized transaction of money transfer, customer support or service was not available at the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXXL XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

In accordance with the fair credit reporting act XXXX Account @ XXXX, has violated my rights. 

15 USC SECTION 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus Equifax shows XX/XX/XXXX, and TransUnion has XX/XX/XXXX and XXXX  Has NOTHING!. Please tell me how this information was verified by the same creditor but still report inconsistently across the three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 

Account name : Dept XXXX Account # XXXX Account name : DeptXXXX Account # XXXX Account name DEPTEDXXXX   Account # XXXX
Product: Checking or savings account

I subscribed to XXXX app on my XXXX XXXX for a 30 day free trial. At the end of the trial I did n't want the service so I tried to cancel the service. It is impossible to figure out how to cancel the service. XXXX 's website says to go to the XXXX XXXX store on my XXXX to manage the account and cancel the service but the APP does not have a profile or any way to cancel. I was charged {$100.00} on XXXX/XXXX/XXXX by XXXX They gave a number to call on my bank statement and when I call the number XXXX it tells me to go to the website. And that 's continues the Marry-go-round. This is a major scam by XXXX, to not get any cancellations. And its close to fraud when they say 30 day 's free trial because of the " negative enrollment '' if you do n't cancel within 30 day they will bill. But it 's impossible to cancel so I 'll get billed forever unless you can help me and probably hundreds and thousands of people who are being bill and want to stop it. This really is Bank Fraud because the bank billed my for the charges. So Fifth Third Bank is billing for a company that is bilking the public out of millions of dollars. I e-mailed 5th/3rd bank and they told me I authorized the purchase by agreeing to the 30 day free trail and not cancelling before the 30 days expired. Please investigate.
Product: Debt collection

National Credit Systems Inc. committed identity theft by using my consumer reports to collect two separate debts {$4200.00} National Credit Systems alleged was owed to them. National Credit Systems Inc had refused to delete the derogatory information for 7 years on all three of my national credit reports and misrepresented themselves as attorney collectors of debts. I disputed the debts 64 times and they were not removed before 7 years. I suffered from this problem and could not rent an apartment or buy a home because of National Credit Systems Incs willful negligence and identity theft.
Product: Checking or savings account

Two charges were placed on my account that I never authorized. I gave Wells Fargo description that I was not even in the locations that these transactions were charged on. 
Wells Fargo said that they did investigation within a day on the weekend and said that my issue was not fraud that it couldve been me
Product: Credit reporting, credit repair services, or other personal consumer reports

This is pertaning to Bank of the West XXXX XXXX XXXX, XXXX ND XXXX XXXX. I reported fraud on this on XX/XX/2020 In the amount of {$940.00} Account XXXX through XXXX  XXXX  and now this bank has tied itself to my current savings account which is now put on hold untill I pay in full or show proof that it has been removed from my report which it needs to be because I did not open this account nor did I write checks. This is Identity theft and I want to report it as so.
Product: Debt collection

My husband & I rented an apartment at XXXX 's XXXX ( XXXX XXXX ) since XXXX. We were good tenants and regularly had maintenance repair things, kept the place nice, etc. In XX/XX/XXXX, my husband passed away suddenly from XXXX XXXX unexpectedly. I am permanently XXXX. I went into the office and spoke to XXXX XXXX a few times explaining I couldn't afford the rent anymore and would probably have to leave. I told her I had to see when everything settled. She was fine with that and told me that they needed 60-90 days notice if i left and said they would work with me due to the situation. 
In XXXX I sent an email stating I could no longer afford financially to stay. I also went back to speak with XXXX telling her my husbands employer had dropped me and my children from insurance and now i had to pay for all my medical, prescriptions, etc. So i had no way of affording the rent and that I would be leaving by the end of XXXX. As I had informed the office by the end of XXXX, I packed up, spent the weekend cleaning, painting with help and shampooing the carpets. Now since XXXX we had paid a deposit for a cat plus {$25.00} a month pet fee. All the walls were repainted with 2 coats of white paint. there was normal wear and tear in the apartment after 7 years, the carpet had never been replaced but regularly shampooed by me. There was a spot in the bedroom they claimed was from my cat, but it was actually from the maintenance man XXXX who when our air conditioner leaked, he drilled a hole in the unit causing the stain. counters get used, etc. 
But in the end of XXXX i get a note from XXXX XXXX stating they are keeping my security deposit, i owe damages, plus 2 months rent. I tell them I don't owe as i am XXXX and my income ( my spouse ) has died i can break the lease. they sent me to XXXX who tells me they are sending me right to the credit bureau and has done so making my credit go down and i don't feel this is right. I would like them to take this off my credit report immediately and i would like the so called debt eliminated and actually would like my security deposit refunded.
Product: Mortgage

I am writing to dispute the following information that appears on my XXXX consumer report : XXXX XXXX XXXX XXXX - # XXXX on credit report Source of dispute information Wells Fargo Type of disputed information : Charged off Mortgage Date reported : XXXX Explanation of item being disputed : o The current status of my account is not correct. XXXX XXXX XXXX has reported my account as being charged off. I was never notified of any action taken by them I had an attorney working with them during this time. I was able to sell the secured property and Wells Fargo provided a payoff statement to the settlement company, accepted the full amount due on the loan from the settlement company and I have a 0 balance. The charged off status should be removed. 
o At no time was I or the attorney representing me or the settlement company notified that this loan had been charged off o I am attaching the credit report information disputed o I am attaching the payoff provided to the settlement company o I am attaching the signed Closing Disclosure showing the sale of the property and the payoff to Wells Fargo closed on XXXX/XXXX/XXXX o I am showing the full lien satisfaction and release recorded on the land records provided by Wells Fargo recorded on XXXX/XXXX/XXXX o I have attempted to work through XXXX to resolve this and cant get anyone to assist me Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Ally Bank Saving Account promotion Deposit earn one percent bonus up to {$500.00} not received I have contact the bank XX/XX/23 confirmation # XXXX but not call back.
Product: Checking or savings account

I am a victim of Navy Federal CU, I've been a member since XXXX, and as part of the victim relief fund. I seek remedy as stated that Navy Federal to refund more than {$80.00} million to consumers, stop charging illegal overdraft fees, and pay a {$15.00} million civil penalty to the CFPBs victims relief fund. 

Navy Federal illegally harvested tens of millions of dollars in junk fees, including from XXXX XXXX servicemembers and veterans, said CFPB XXXX XXXX XXXX. The CFPBs work to rid the market of illegal junk fees has saved American families billions of dollars. 

Through its Optional Overdraft Protection Service, known as OOPS, Navy Federal charged consumers {$20.00} for most overdraft transactions. The credit union collected nearly {$1.00} billion in overdraft fees from XXXX to XXXX. 

Members were illegally charged overdraft fees in two ways. First, when they made purchases with their accounts showing enough money to cover the transaction, the credit union still charged them overdraft fees if the account had a negative balance once the purchase posted to the account, sometimes days later. Navy Federal collected an average of {$44.00} million a year in these surprise fees. As early as XXXX, federal regulators, including the CFPB and the Federal Reserve, began cautioning financial institutions against charging these surprise overdraft fees. 

Second, when customers received money though payment services like XXXX, XXXX, and XXXX XXXX, XXXX XXXX systems showed the money as immediately available to spend. However, the credit union failed to disclose that payments received after XXXX am Eastern ( and later, after XXXX pm XXXX ) wouldn't actually post until the next business day. Some customers who tried to use this money were then charged overdraft fees. Through this practice, Navy Federal collected at least {$4.00} million in fees.

The CFPB found that Navy Federal violated the Consumer Financial Protection Act through : Charging illegal, surprise overdraft fees on purchases made with sufficient funds : Navy Federal charged fees to consumers whose accounts showed sufficient funds when making purchases, only to charge fees when the transactions were later processed. 
Charging overdraft fees caused by delayed peer-to-peer payments with undisclosed processing times : The credit union showed incoming payments from services like XXXX, XXXX, and XXXX XXXX as available to spend, but failed to disclose that payments received after specific cutoff times would not post until the next business day, while still charging overdraft fees to some customers who attempted to use these apparently available funds.