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

On XX/XX/2018 I happened to check my account via my phone and discovered I was {$350.00} overdrawn. There were XXXX {$34.00} overdraft charges and in the middle was a charge of {$200.00}. 
However over the course of the day on XX/XX/XXXX XXXX made a number of transactions as I was notified via text messages from Chase about my personal account XXXX. Every notice of overdraft re : XXXX I transferred money from my business account XXXX. 

My Chase text messages* show I had money to transfer and purchase. Then in the middle was placed a {$200.00} charge that was not there as I made those transactions. It was not a pending charge it just showed up and I began to incur overdraft charges. 

XX/XX/XXXX {$13.00} Purchase XX/XX/XXXX {$70.00} Transfer to XX/XX/XXXX {$5.00} Transfer XX/XX/XXXX {$5.00} Transfer XX/XX/XXXX {$7.00} purchase XX/XX/XXXX XXXX purchase XX/XX/XXXX {$200.00} Charge ( This purchase was made XX/XX/XXXX, but I couldnt find a trace of the transaction in my XXXX. However the bank XXXX could. How can he have more access to my accounts than I me? ) XX/XX/XXXX {$200.00} Deposit ( I deposited money to cover the {$200.00} purchase ) XX/XX/XXXX Visit XXXX XXXX XX/XX/XXXX Overdraft cancelled XX/XX/XXXX XXXX purchase XX/XX/XXXX {$15.00} extended overdraft fee Currently there are ( XXXX ) {$34.00} overdraft charges, XXXX was removed, which I specifically requested all charges be removed. The XXXX branch XXXX said he couldnt do it, he was not allowed and told me he submitted a request that I be contacted. 

He said I would hear from them by Thursday. 
I am requesting the removal of the ( 5 ) {$34.00} overdraft charges and the ( 1 ) Extended Overdraft fee leaving me {$9.00}. 

I have yet to speak directly with a Complaint representative. He called and left a voice message. I called back and informed him when the best time to reach me and if I could have an address or email address so I could send him this document. 

Instead he called back during the hours I work and didnt leave the information I requested. I have a personal and business account with Chase and would appreciate this issue be addressed by someone who cares about customers. 

The way that the system charged me almost {$200.00} in bank fees is unreasonable. Im sure this has happened to others and is why the Consumer Financial Protection Bureau was created. 

Its the principle at this point. I am asking that someone help me with this issue. 


*CHASE TEXT MESSAGES Chase acct XXXX bal $ XXXX as of XX/XX/2018 XXXX AM EST was below your {$50.00} limit. 
To trnsfr from XXXX, bal {$100.00}, reply T, space, amt : e.g. T XXXX XXXX acct XXXX was overdrawn by {$67.00} on XX/XX/2018 XXXX AM EST. 
To trnsfr from XXXX bal {$100.00}, reply XXXX, space, amt : e.g. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have open accounts in my name that someone took out loans in my name that dropped my Credit Score a lot. 1 of them is called XXXX XXXX XXXX the amount is {$1500.00} date XXXX another XXXXXXXX XXXX XXXX the amount of this is {$3000.00} the date XX/XX/year> next one is XXXX  that amount XXXX {$440.00} date XX/XX/year> I have identity theft on my taxes that Cant No one file these loans I never took out an the on record that I work an I never worked a day in life since a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX really need help disputing these on my Credit reports I been wit my Credit Union for XXXX never step outside of Banking with other banks an taking out XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. What the company did was change the name, which is now XXXX XXXX .The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed. 


CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Mortgage

In XX/XX/XXXX, I purchased solar panels for my home through the XXXX XXXX offered through XXXX XXXX  XXXX ; my mortgage servicing company is Select Portfolio Servicing, based in XXXX XXXX XXXX, Utah. My initial servicing company was XXXX XXXX XXXX XXXX, but the loan was sold to Select Portfolio Servicing in XX/XX/XXXX. As part of my contract, my solar panels would be paid for by adding payment for the panels to my house payment ( $ XXXX. ) The first payment addition would be due to begin in XX/XX/XXXX. On XX/XX/XXXX, I prepaid in full for the solar panels to XXXX XXXX XXXX in XXXX XXXX, CA. The amount paid was {$50000.00}. 

My issue with Select Portfolio Servicing is the following : Select Portfolio Servicing is wrongly assessing charges and late fees for property taxes {$6300.00} for the solar panels after I paid off the bill. My property taxes are paid through my mortgage servicing company. I believe Select Portfolio is billing me based on old tax information. I have tried communicating many times with Select Portfolio Servicing but to no avail
Product: Checking or savings account

On XX/XX/XXXX I opened 3 accounts with Apple bank for their promotional rate, by the time I got home I had changed my mind regarding the CD and ask if it can be reverse, the branch was very helpful and efficient however they ask me to come in the next day to further discuss and I was then told that I couldn't close the account including a money market liquid funds savings account because according to them it takes 3 weeks to clear official bank checks and that my check wouldn't be clear until between XX/XX/XXXX and XX/XX/XXXX. which in my opinion is a violation of the federal regulation CC. After explaining this to customer service and having done several phone calls I was allowed to close the Savings account on XX/XX/XXXX but it was such a hassle to close it, gave me all kind of excuses and restrictions as in why I couldn't or should not close it. However, no one ever send me any notice of any extended holds being placed on these checks nor did they ever told me that in person when i opened the account that for 3 weeks my deposit were not earning any interest because the bank decided to put a 3 week hold. I made several attempt to fix this issue with the bank and after several calls to their call center nothing was resolve. I never got a response and was kept waiting for a resolution until XX/XX/XXXX from one of their District executive and even in that phone call i was told that there was nothing they could do for me, there was a very condescending tone. My initial request as a consumer that had a relationship of over $ 750K with Apple bank was to reverse the account on the same day that it was open and when i walked into the branch the next day I was told that i needed to pay {$2000.00} to close it as penalty fee. very unacceptable and unfair to consumers, I still have a relationship of over $ 500K with the bank and don't agree with the fact that within hrs of taking my deposit the account opening couldn't be reverse. 

I thought we could had resolve this issue directly with the bank my intention was never to make this claim, i wanted to handle this very diplomatic taking into consideration that out of the 3 accounts i was willing to keep the largest account with the bank. I was requesting the closure of the smallest account but now that i had to go to such measurements, i think i want to end the entire relationship. As a consumer I understand there is penalties when you close CD accounts before maturity date but in my case i reached out to the bank within the same business day of account opening stating that i had change my mind about locking up the funds and wanted to be reverse and was told that if that's what i wanted i needed to pay {$2000.00}. Same business days, within hours of account opening. 

One of the excuses that was given to me was that the check didn't clear and the bank had not collect the funds from the other bank, however they were willing to charge me {$2000.00} for uncollected funds anyways.
Product: Debt collection

the national credit system is attempting to collect on a debt already paid in XX/XX/2022 i took XXXX XXXX XXXX XXXX XXXX to court on a tenants assertion, now XXXX XXXX XXXX XXXX XXXX XXXX has reported our credit history jointly we XXXX XXXX XXXX and XXXX XXXX XXXX  owe {$520.00} for late chares of {$140.00} two times and they is no late charge because all the rent money was paid to escrow account in XXXX court because XXXX XXXXXXXX XXXX rented me and my on XXXX XXXX XXXX a roach infested apartment and the unit XXXX XXXX XXXX XXXX XXXX was un liveable and XXXXXXXX XXXX XXXX breech the lease agreement and therefore should not even got the {$3000.00} they got i think this is malicious of XXXX XXXX XXXX to finacial try and XXXX me and my son finacially plus they charged us two false {$25.00} fee and they were not taken off and they need to charged for using my stored bank card for attempting to use my card even after emails between XXXX XXXX athe manager at that time knew she was not supposed to still be debiting my bank card and thats call stealing double dipping greed
Product: Debt collection

She called asking my name when she was the one calling me and telling I'm on a recorded line and asking me my phone number and address to calm for a old debt which I no longer owe. And treating me to sue me and send the police to my house and insulting me. 

Continuing to harras me and none stop calls to my number.
Product: Money transfer, virtual currency, or money service

I have a credit card with Bank of America. I made an on-line payment to Bank of America for the XXXX payment in the amount of {$55.00}. This was made on XX/XX/2023, which they did deduct from my bank account. They then deducted a second, unauthorized payment of {$55.00} on XX/XX/2023. I had no idea they were going to deduct this second payment, and this was not authorized by me.
Product: Mortgage

What : Wells Fargo recently changed their online interface used for reviewing mortgage statements and making payment. I had no problems before the web change. After the change on multiple occassions, WF has misapplied the mortgage payment I submitted online. 1 ) I paid the regular P & I on a fixed 30 year product, and prepaid an additional amount. My mortgage statement only counted the prepaid amount, which would have resulted in a DLQ status if I had not checked my loan balance in the following days. I had to separately resubmit the P & I payment for it to be recognized. 2 ) The following month I paid the same amount ( P & I plus prepay ). This time only the P & I was correctly processed and I had to call WF to have the additional prepay applied. 3 ) The following month issue # 2 occurred again. I confirmed I had checked the correct box online for additional prepay but the error still occurred. I submitted a complaint to WF and notified them I would submit a CFPB complaint.
Product: Credit reporting

this not my account from XXXX {$540.00} please remove
Product: Student loan

Navient is not processing my payments for upward of 7 days!. All the while interest is still being charged on the principal due before the payment! I am sick of it! This continues to happen even though I complain every time I make a payment. 
Acct # XXXX
Product: Credit card

My sister was helping me start my credit line and we tried to open a credit card with Capital one and it showed that someone had made a account in my name, So I called Capital One to see whats going on because I never open a credit line before I was starting to open up so I could start building up my credit. The Capital One Customer service says that the account been open for over a year.
Product: Credit reporting or other personal consumer reports

I asked multiple times for you to provide documentation for the listed accounts reinvestigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX You refused and did not remove them from my credit report even after being shown proof of inaccurate and missing information. Please be advised the Notice of Impending Litigation is attached to this complaint, another copy has been mailed to the address and name of the registered agent, my ID, and the previous proof of missing and inaccurate information. The Litigation process has begun.
Product: Payday loan, title loan, or personal loan

I received a text message advising that Power Finance accepted my loan request. I tried to call them to report fraud and advise that I never applied. I could not get to anyone and they advised they would charge me to speak to a supervisor. I receive a name of XXXX to speak with, left her a voice mail on XX/XX/XXXX with no return call. Then on Monday XX/XX/XXXX I receive another solicitation asking if I could finalize my loan. I advised them that this was fraud, I never applied, and that they should remove any application they have under my name or social security number. She advised she would note my file accordingly. Today XX/XX/XXXX I received another call asking if I wanted to finalize my loan. Not only in this fraud, but it is continuous. How do I get to the bottom of this, so no loans can be taken out in my name?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second dispute notice and as I was going over my credit report once again I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. Other accounts have been transferred to other offices and are now showing up twice on my credit report. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair credit reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : -MERCANTILE ADJMNT BUR # XXXX -XXXX XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax 's website to check for potential impact on their breach resulted in automatic enrollment in their program TrustedID. They said that if I inputted my information I would be able to figure out if my information had been compromised. However, when I did so, I received a message that said that I had been automatically enrolled with a date of X/XX/17. While I know that my enrollment is not complete, there website is advertised incorrectly to 1 ) provide me on information on whether or not my information had been compromised and 2 ) ask for my consent prior to enrolling me in their program. This must be fixed immediately.
https : //www.equifaxsecurity2017.com/potential-impact/
Product: Bank account or service

Wellsfargo has some very serious consumer privacy legal issues going on & I for one am a victim of their compliance violation abuse. XXXX times I was asked to change my username & password of which I 've had for 14yrs. After doing so I lost my mobile banking app access that 's been reported & case 5 days know that Tech Suppprt says new update will fix the bugs that are havocing consumer accounts on XXXX XXXX. I 'm afraid they are extorting my privacy by letting perpetrators cash my checks by way identity fraud in local branches. I 've banked with them for over 22yrs & have reported consumer fraud against them 3 times while executives in claims refuse to cooperate with authoritys to prosecute the known suspects. I ask they they restore my mobile banking access & fix thier issues or I will have to join another bank. I 've asked the executive office to change the installment loan they opened to my credit line because it was not want I wanted in the first place. XXXX XXXX used some divriminative remarks about Wellsfargo being a conservative bank but Im a conservative too & all my accounts are in good standing & my political party has nothing to do with my customer representation with this banking institution & should be fairly treated at all times. 
Case # XXXX Case # XXXX Case # XXXX XXXX XXXX of XXXX NC was the last Wellsfargo representive I spoke to about check fraud but after speaking XXXX XXXX in executive lines & loans he allowed a sales agent to open an installment loan I did not ask for & refused to get underwriting to correct the account request to my open credit line. This is forcing me to pay for an account I did n't want & I explained for 3wks that is was a credit line increase I asked for & should honored to receive due to poor customer service.
Product: Mortgage

Bay Equity ( the mortgage broker ) stalled on the closing date long enough that the interest rate increased by .625 % and we were not able to go to another lender to get the promised interest rate. They told us that the stalling was because the underwriter needed a tax transcript rather than a color copy of the submitted tax return. In the end, they went with a different underwriter completely, so should have been able to do this at the outset. The total amount of interest we are now liable for is over {$20000.00} more than what we would have been liable for had we closed on time. After signing the documentation at closing, we were given a closing disclosure that was again incorrect and the processor refused to give me a straight answer about what numbers were actual. I have repeatedly asked questions to have them answered incompletely or not at all.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my ( XXXX XXXX XXXXXXXX - XXXX ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXXXXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX  Date Updated : XX/XX/XXXX XXXX XXXX  Date Updated : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This account Does not belong on my credit report and or status should be updated. under my rights as a consumer under the FCRA. 

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

unauthorized inquiries:
Equifax Information Services LLC
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX                            XXXXXXXX XXXX XXXX XXXX XXXX XXXX

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

XXXX XXXX       XXXX XXXX XXXX XXXXXXXX  
XXXX XXXX XXXX           XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXXXXXX BALANCED {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX was reporting inaccurate on my credit report in violation of XXXX XXXX. I need this to be updated or removed accordingly. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Debt collection

I thought I had paid off all my medical debt as I was no longer receiving emails or mail about owing it. Today I got a text message saying I owe {$310.00} to XXXX XXXX XXXX  when I thought my debt was with XXXX XXXX. I do not know what this debt is from, what it regards, or when I received it, as they did not tell me, and said nothing about the right to dispute it.
Product: Debt collection

National credit systems is reporting to my XXXX credit report a debt that is not mine that is ruining my credit. I have disputed this 1000 times. I have no idea what this account is and it is not on any other reports.