23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

From XXXX/XXXX/XXXX - XXXX/XXXX/XXXX we received letters from Suntrust stating that we have unusual activities on our debit cards " XXXX '' and " XXXX ending, therefore they placed a " temporary '' block status. SINCE I had past disputes related to unauthorized charged XXXX which were approved and resolved with Suntrust during XXXX ; I noticed that again, from XXXX to XXXX XXXX, while I was on " XXXX '' leave, at home, in bed, NOT USING MY CARD WHICH HAS THE XXXX STICKER ON, XXXX was charging my checking account as they please causing multiples overdraft fees ( XXXX x {$36.00} aprox. ), ignoring the fact that my account was set up as " cash only ''. on XXXX/XXXX/XXXX I collected all evidences and sent it via fax to Suntrust to investigate. Suntrust representatives explained that it will take up to 60 days to get the issue resolved ( Previous disputes against XXXX only took XXXX hours to get a final resolution on my favor based on evidences presented ). On XXXX/XXXX/XXXX I received a letter from Suntrust granting me a temporary credit for the claimed charges and removal of all overdraft fees, while my account was undergoing investigation. Unfortunate to say, Suntrust sent me a letter on XXXX XXXX stating that the investigation was fruitless, that they could n't resolve the isue and asked me to deal with XXXX. On XXXX/XXXX/XXXX I received a letter from Suntrust Notifying me that the referenced account was closed, the negative balance of - {$1600.00} ( multiples charges of overdraft fees of {$36.00} plus XXXX unauthorized charges ) was charge-off since the account was overdrawn for several weeks regardless of being investigated and they even add {$30.00} to charge off the account and I was refered to collections.
Product: Mortgage

This is in reference to complaint # XXXX that you do not allow the complainant to update information. I just received a collection call on my account that the company stated they would put on hold prohibiting any collection calls. The last person at LoanCare explained that when the IRRRL was processed, my escrow of $ XXXX was merged into the payoff. That is why my monthly payment was too high because my escrow is showing a negative balance, and now I am paying interest on the escrow amount added to the refinanced principal. PLEASE follow up and contact the company to stop the collection calls. In addition, this has been going on for over two months and no contact from the company. I am forced to constantly call them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am bothered by the action taken by the Credit Bureaus! It appears that my credit has been compromised and yet the Credit Bureaus have been XXXX! I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the Credit Bureaus are required by law to remove any account and information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for yours and the bank 's records. Please remove these files. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation which bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly. Please remove the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$6200.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX XXXX  XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX  XXXX XXXX Balance {$15000.00} XXXX XXXX  XXXX Balance {$19000.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$19000.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$9700.00} XXXX XXXX  XXXX Balance {$6500.00} XXXX XXXX  XXXX Balance {$3200.00} XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$3700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple student loan accounts that suddenly appeared on my credit profile which are fraudulent from the year 1999 from DEPARTMENT OF EDUCATIONXXXX XXXX which accumulated over {$200000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has blocked or deleted my credit report and this has stopped me from gaining access to credit. I received a letter asking to send in my identification- I have mailed it in but still no change - so I am sending thru this portal to see if this can resolve the block on my credit score because this is is hurting my lifestyle and my ability to obtain credit
Product: Credit reporting

I went down to the courthouse and spoke to the clerk personally. I verified with her and she agreed that the judgement listed on my credit report was not mine. I asked how was that possible since you report this information to the bureaus. She stated that they do not report any information to the credit bureaus. So how is that EXPERIAN was able to gain access to my inaccessible information? 
According to the FCRA, the credit bureaus must verify personally with the creditor. The clerk of the court in this instance would be the creditor. I would love to know with whom you spoke to, their title and date you called. I think you should be able to provide this information forthwith as performing a verification is what you do. Since the information may have been obtained by other means and not directly with the court and as I am an intelligent man, I respectfully request that you remove the judgement from my file.I believe that if I were to take this matter to my attorney that he would concur with me and suggest a lawsuit against your company we would win without a hitch.
Product: Checking or savings account

I bank with WELLSFARGO On XX/XX/XXXX I mailed my rent check to my landlord as I normally do every month. My check was stolen and cashed and edited to be another payee who receives it. My bank fails to work with me to investigate and return my funds as my check has been fraudulently cashed. I need my refund and this to be investigated because my rent is still due.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

XXXX XXXX XXXXXXXX Balance Owed : {$16000.00}.
Product: Credit reporting or other personal consumer reports

Transunion Credit Services, a credit-reporting agency, with { NEW EVIDENCE }, because you are reporting incorrect, incomplete, and/or unverifiable account information with-in my consumer report. These item is the result of fraudulent activity, because someone has used my personal information without my knowledge or without receiving goods and services. 

XX/XX/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 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: Credit card

On XXXX PNC bank added interest charge of {$170.00} to my credit card account. My account was at {$7400.00}. Credit limit was {$7500.00}. That put me over limit by {$120.00}. On XXXX I paid off card completely. On XXXX, unexpectedly I had to use card to pay {$2900.00} for wifes medical expense. 
On XX/XX/XXXX, I received two letters in mail from PNC. Both dated XX/XX/XXXX, informing me that my credit limit was lowered from {$7500.00} to {$600.00}. 
My concern is how can my limit be lowered to {$600.00} after they accepted a {$2900.00} charge to it. And after I paid off both accounts on XX/XX/XXXX. 
On XX/XX/XXXX, I contacted PNC credit card for the first time. I explained my above situation and female said she would get back to me in XXXX hours. 
On XX/XX/XXXX, went into local PNC branch and met with XXXX XXXX who contacted credit card side again. Explained to her also what was going on. XXXX agreed with me, but it was a waste of both our times to contact credit card side. 
On XX/XX/XXXX, I again contacted PNC credit card #. Got hung up on on first call after verifying myself. Called again. This time talked to XXXX. She took time to get all my information about why I was calling, eventually put me on hold to check out some information. And then I was hung up on again before she responded back to me. And I never received a call back even though she had my contact information. 
From what I have researched, for this particular card, PNC can not lower the limit to {$600.00}. It should be to nearest {$100.00} in account plus {$500.00}. The lowest they can lower would be {$3400.00}.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regatta Zelle 's handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is very much unacceptable and raises serious concerns and questions about consumer safety.
Product: Credit card

On XX/XX/year>, Care Credit ( syncronicity Bank ) charged me an excessive late fee of XXXX dollars. My minimal payment was XXXX that was paid XXXX days later on XX/XX/year>. My interest charge went up to XXXX on XXXX new minimal payment was XXXX. I called Care Credit on XX/XX/year> using phone number XXXX and had the late fee waived using that automated system. I also made a payment of XXXX on XX/XX/year> on time, assuming that the fee was made and my minimal payment was lowered. On XX/XX/year>, Care Credit charged me with an excessive late fee of XXXX for the XXXX dollars that I didn't pay after believing that my fee was waived. Now they have my minimal due on XX/XX/year> at the amount of XXXX with XXXX past due. I called care credit today XX/XX/year> at XXXX p.m and spoke with a representative. She said she was unable to fix this problem and unable to waive the second late fee of XXXX and removing the XXXX as delinquent. She did speak to a higher up to try to help and they would not do that. I did mention that over XXXX dollars in late fees is not legal and I was ignored. I have been on time with my payments with this company since I opened my account over a year ago. 
Please reach out if you need further documents. 

Thank you for your attention to this matter XXXX XXXX
Product: Credit reporting or other personal consumer reports

I PULLED MY TRANSUNION CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments 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 an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Vehicle loan or lease

On or about XXXX XXXX, 2014, we leased a XXXX XXXX from XXXX ( FL ) VW. When I entered the automatic payment info in my XXXX XXXX XXXX online account I apparently provided a premature end date. * I recognize that doing so is a major part of this issue. * About two years later we moved to our present address in XXXX XXXX, MA. As a result of my error the bank stopped sending what had been clock-work-like payments to VW Credit. When I saw my credit score decline I looked into the cause and immediately contacted VW Credit. While they had my new address ( as a result of the change in registration and taxation ), my current phone number and my current email, they made NO effort to reach me to tell me I was in arrears. In that regard I hold them partially responsible for abrogating duties that 99.999 % of other creditors would be delighted to perform. When I discovered the problem -- delayed by the fact that I was getting over a bad XXXX -- I immediately sent them three months of payments to get not only up to date but a month ahead to show good faith. Those payments apparently showed up on thew 62d day of when the first late payment was due and VW promptly informed all credit agencies that I was now 60+ days lateral further damaging my credit score.
I went to lengthy explanations with the CEO of VW Credit and everyone else who would listen. None did  ; and I got a form letter back telling me that because I was late the matter was closed. VW credit has not lost a dime on me. I continue to be 100 % up to date on payments. But my credit score has been badly damaged and will continue to be so for 7 years. This penalty certainly does not fit my " crime. '' I am not a deadbeat or trying to evade my obligations. Far from it. I made a mistake and immediately fixed it. VW failed to make any effort to ameliorate the situation and strengthen our relationship. For a company that is paying billions in fines for lying to the world ... I find their behavior and callous treatment unacceptable by any standard.
Product: Checking or savings account

I started the case XXXX. 
YOUR COMPLAINT I would like to report how US bank is cheating clients. It was advertisement that U.S. Bank will give you up to a {$600.00} cash bonus when you open a U.S. Bank Smartly Checking account, enroll in online banking or the U.S. Bank mobile app, and complete 2 or more direct deposits totaling {$3000.00} or more for the {$200.00} bonus, {$6000.00} or more for the {$400.00} bonus. By the way advertisement is still on the web. I followed the bank link with promised promotion, opened a checking account on XX/XX/2022 and set up a direct deposit for a total like XXXX for the first couple months. Then I figured out that I got no bonus for this. I started to call a bank and customer service representatives that I talked with told me that I am eligible and will get it soon. Last call I talked to XXXX and he spent a lot of time trying to figure out what had happened. I said that I would complain about bank cheating and He escalated this to the next level and said to me that somebody will be in contact soon. A few days later XXXX called me and said that I was supposed to have a special invitation for this bonus. This is a clear way of cheating. I followed the link, opened all required actions and the bank in XXXX said you have no invitation for a getting bonus. What is even more ridiculous is that I called like 3 times and nobody told me that. I consider that I did everything according to the procedure described in the advertisement. The bank cheating practice is not following the link of the opening account with the promotion bonus. I claim that the bonus should be paid as it was promised. 

The response i got is just confirmation of the scam that bank does. Here is my answer and i am looking the way to escalate the issue : Thank you for your response but you answer confirms that you are cheating clients. How could I possibly know that without an invitation letter the offer would not be valid. Moreover, I called much earlier several times, and nobody told me that. So, I would like to escalate this for the next level. I would like to report to CFPB that the Bank practice is a scam, completely unappropriated and not transparent. I believe that happened to many clients that follow your promise. They make advertisement and do not follow the rule they promise to. This is typical scam, and I will be complaining again. Such practice should be stopped because I see there a lot of advertisement of this type from US bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

NAVIENT is willfully failing to comply with the law and if they do not DELETE the account and stop reporting it and other information on my consumer report that I did not give them permission to do they will be held liable to me the consumer according to 15 U.S. Code 1681n - Civil liability for willful noncompliance. 
They are in violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, for failing their responsibilities and for not deleting inaccurate information from my consumer report. 
They are in violation of 15 USC 1681b ( 2 ) - Permissible purpose of consumer reports, I did not give them written permission to report anything on my consumer file. 
They are in violation of 18 USC 1028A, they knowingly transferred, possessed, and used my identity without my consent. 
They are in violation of 15 USC 1681e ( e ) ( 1 ), they must produce the permissible purpose, they must also certify it and send me disclosures. 
They are in violation of 15 USC 1681a ( 2 ) ( A ) ( i ) Exclusions from a consumer credit report clearly says that transactions and experiences are not to be included in a consumer report. 
They are in violation of 15 USC 1681 ( a ) ( 4 ) they have invaded my right to privacy. 
They are in violation of 15 USC 6801 - Protection of nonpublic personal information. They are obligated to respect my privacy and to protect my security and confidentiality of my nonpublic personal information. They have not done that. My information is not a matter of public records. 
They are in violation of 15 USC 6803 ( a ) ( 1 ), ( 2 ) & ( 3 ) - Disclosure of institution privacy policy, I was not given three clear and conspicuous disclosures of their policies and practices. 
They are in violation of 15 USC 6802 ( b ) ( 1 ) ( A ) ( B ) & ( C ) - Obligations with respect to disclosures of personal information. I was not given three clear and conspicuous disclosures on the option to opt-out. 
NAVIENT is in violation of 14 violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts listed are the issue 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 Pursuant to the Fair Credit Billing Act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. These accounts listed have billing errors. This is not a refusal to pay but a notice that this alleged debt is disputed. I respectfully request these companies provide me with documentary evidence validating this alleged debt. If no such evidence of indebtedness exists, and the only indebtedness is by agreement, these companies can not lawfully furnish this inaccurate negative information to the credit reporting agencies. The United States is bankrupt. If these alleged debts are valid, what authority do they have to collect this debt in the United States? If these alleged debts can not be validated and turns out to be an extension of credit, that would make the negative information provision in any agreement between us VOID and UNENFORCEABLE. Do these accounts include a finance charge? If so, does the finance charge include a premium that protects the creditor in case of default? Has any insurance been filed on these accounts? If a 1099c or any insurance has been filed on this account, you have no right to continue furnishing this inaccurate information to coerce repayment of this extension of credit. The continued reporting of these inaccurate information 's would constitute a breach of fiduciary duty. Since there is no law under the Fair Credit Reporting Act requiring these financial institutions and creditors to report negative information to a consumer reporting agency, these companies knowingly are reporting inaccurate information to the consumer reporting agencies. Reporting information with reasonable cause to believe is inaccurate VIOLATES the FAIR CREDIT REPORTING ACT. These companies policy do not supersede Federal Law. I am demanding these charge offs be UPDATED to PAID AS AGREED with a {$0.00} balance and a DELETION of all negative information be submitted to the credit reporting agencies immediately to prevent my consumer credit reputation from receiving further harm.
Product: Payday loan, title loan, personal loan, or advance loan

A payday loan was taken out with my information and was deposited to the person 's account without my knowledge someone is using my information i did not apply for the loan tried to contact the company to inform them they would not listen to me
Product: Debt collection

on XX/XX/2017 at XXXX I was contacted by an associate of " Portfolio Recovery ''. She asked if she was speaking to " XXXX XXXX '' and I corrected her to " XXXX. After this the associate advised of my debt and other personal account information without verifying I am who I say I am. There was no verification at all, no DOB, last 4 of ss or anything. Other people answer my phone and it is unlawful to speak about my account without verifying my identity prior. After the fact the associate read me the call recording disclosure, and if I was aware calls were to be recorded prior to the discussion of any account details I would have advised them to communicate with me via mail.
Product: Credit card

I applied for a XXXX credit card and read the agreement .It says there will no monthly maintenance fees started until 2nd year of terms.Yet I closed my account before entering the 2nd term.There is still a balanc I am paying off from the company.They have added the monthly maintenace fee on tho while paying it off tho. I dont feel that is legal according to what I read.This is due to the fact as I said I didnt enter in to the 2nd year of term because I wasnt willing to pay a {$120.00} annual plus a XXXX $ monthly fee, that would have been XXXX a year to keep open whether you have a balance or not.