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

Ive been trying to get over draft fees removed from my account that were charged in error. Wells Fargo does not abide by their extra date of grace. Before assessing these extra fees to a customers account. I was charged XXXX overdraft fees on XX/XX/24 and XX/XX/24 after reviewing my account, these fees were assessed for XXXX transaction that posted to the account on XXXX and XXXX other transactions that posted on XX/XX/24. However, my account had funds to post to my account on XX/XX/XXXX that took care of the negative from XX/XX/XXXX transaction for {$24.00}. My account went back into the positive for {$200.00} however Wells Fargo still charged me a {$35.00} fee for that transaction. In total, I was charged XXXX overdraft fees for transactions that hit my account on XX/XX/XXXX and again on XX/XX/XXXX each of these occasions my account had funds that posted to my account however, I was not giving the extra day of grace for the transactions that hit my account on XX/XX/XXXX my extra day of grades would have been XX/XX/XXXX with the fees posting into the account for XX/XX/XXXX. None of those fees were posted on XX/XX/XXXX each of these fees from my XX/XX/XXXX transaction posted to the account XX/XX/XXXX and XX/XX/XXXX. Again for the transactions that hit my account on XX/XX/XXXX again my extra day of grace would have been XX/XX/XXXX with the fees posted to the account XX/XX/XXXX. However, I was assessed fees on XX/XX/XXXX and XX/XX/XXXX, so in both instances, Wells Fargo did not give me an extra day of grace, but I was charged these fees immediately when my account went into the negative and I requested that those fees be credited back to my account. Wells Fargo is not honoring their XXXX and XXXX policy that your account must be in the positive by the next business day XXXX XXXX XXXX time. However they are just charging these fees and its not fair to us the customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
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
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 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 XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the XXXX 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 card or prepaid card

I am excising my rights under and pursuant to 15 USC 1666i, Claims and Defenses. 
I persist that and claim that goods or services were misrepresented, defective, or not delivered. Named as XXXX XXXX Charge. 

Under Federal law ( 15 US Code 1666, 1666i, and 1640 ( e ) and in 12 Code of Federal Regulations 226.12 ( c ) and 226.13 ) I dont have to pay until Citibank resolve the issue with the merchant.

I will retain payment, and if Citibank takes legal action, I will proceed to the full extent of the law.

USDOT has clearly stated that I am in the USA and the carrier 's office is in XXXX USA, and US laws apply, when Citibank refused to comply, I moved now the Claims and Defenses law. 

Furthermore Citibank, claims to be except from complying with US law. 

A ticket was purchased and the flights were cancelled, hence the dispute, Citibank never contacted me and never gave me the opportunity to answer. As a matter of fact never contacted me by any means. I have contacted the US DOT Under current law airliners are required to full refund cancelled trips. https : //www.transportation.gov/individuals/aviation-consumer-protection/flight-delays-cancellations I was then advised as well to dispute the charge with the credit card, Citibank sided with the merchant ignoring me and ignoring US law XXXX Citibank was bailed with tax payer money years ago it acts solely against taxpayers. -- -- - Forwarded Message -- -- - From : " XXXX '' XXXX To : " XXXX '' XXXX Sent : Thursday, XX/XX/2020, XXXX XXXX  XXXX Subject : XXXX Acknowledgement Thank you for contacting us concerning your air travel issue. The U.S. Department of Transportation seeks to ensure that all airline passengers are treated fairly. Complaints and comments from consumers are helpful to us in determining whether the airlines are in compliance with our rules and to track trends or spot areas of concern that warrant further action. Your complaint or inquiry will be assigned to an analyst for review and you will receive a more detailed acknowledgment from us within a few days. Thank you again for taking the time to contact us. Aviation Consumer Protection Division U.S. Department of Transportation PERSONAL INFO : Passenger - Mrs XXXX XXXX XXXX CONTACT INFO : XXXX XXXX XXXX XXXX, NY XXXX Home Phone : XXXX Daytime Phone : XXXX COMPLAINT INFO : Airline CodXXXX : XXXX Flight Date : XX/XX/2020 Flight Itinerary : XXXX XXXX XXXX XXXX XXXX Description of Problem/Inquiry/Comment : The following ticket were purchased directly from XXXX, and XXXX has canceled all flights, refusing to give a full refund. XXXX XXXX XXXX XXXX Have sent emails to Customer Service and the XXXX XXXX - CEO but not a word. Calls are being disconnected and emails not being replied to. Total paid per ticket USD {$760.00} Totaling USD {$760.00} I expect a full refund and its over ten business days since they were emailed. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed these accounts on XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 by letter, and with the CFPB electronically on XX/XX/2023 which is currently marked as closed and verified for these items. This means you are required to updated the report showing your completed investigation reports and proper statuses. I am showing below that these accounts are showing as " Account Not Disputed '' based on your most recent reporting as a credit bureau. 

I am showing that the bankruptcy information that is being reported is inconsistent across bureaus. They have completely different court names & different filing dates. These were verified as accurate in the investigation you completed. 

Furthermore, all of these accounts there is one account that XXXX in specific is not reporting " included in bankruptcy. '' This is a major violation that should have been done corrected from the start, if you concluded your investigation throuroughly. Now, you no longer have the chance to correct it. You need to delete these items. 

These inaccuracies are all serious violations of the FCRA and consumer rights of accurate reporting to my credit report. 

As a result of the negligence of your investigation not being done properly, & the numerous attempts I have made to ensure my information is being accurately reported, please delete these accounts immediately as you have violated my rights & the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Please delete all fraudulent accounts and hard inquiries off my credit profile from Experian, 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 reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. Bankruptcy XXXX XXXX Discharged XXXX Date Filed XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX, I have tried contacting Experian and XXXX XXXX and XXXX regarding my name on my credit report. 

Only XXXX has changed the Wrong information and put in the Correct, please check. 

I showed proof To Experian and XXXX XXXX of my Social Security number and Drivers License that both state my correct name and no other which is XXXX XXXX XXXX. 

Experian has not changed my name with 2 Main Government Identifications. 

There Seems to be names on my consumer report that are wrong, these names are : WRONG NAMES : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ... ..ALL these Names are INCORRECT AND NOT MY NAME, THERE IS SOMETHING TOTALLY WRONG WITH MY REPORT. 

WRONG ADDRESSES : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX, XXXX Enterprise XXXX XXXX, XXXX Fl, XXXX, XXXX XXXX  Av XXXX Fl XXXX, - These addresses are incorrect and not mine. 

CORRECT ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX for Several Years now. CORRECT NAME AND ONLY NAME : XXXX XXXX XXXX My Only Employment is : " XXXX There Do I See My XXXX XXXX " I have worked here for over XXXX, I do not work at XXXX XXXX XXXX Pr XXXX XXXX XXXX or any other Job. 

My Correct Information for my Consumer Report should be : Only Name : XXXX XXXX XXXX Only SS # : XXXX Only Birth Date : XXXX Only Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Fl XXXX Only Employment : XXXX There Do I See My XXXX XXXX I have Attached Correct Documentation Proving Who I am. Please have this corrected for it is totally incorrect, I should only have 1 name and address etc which is Mine. All this wrong information is hurting me in tryin to buy a home for my family. Also I noticed on my credit report that someone Authorized a Personal Statement of Fraud. I have never gave this permission. Please remove that statement. 

Thank You Guys for your help XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing with the utmost urgency to demand immediate action regarding the fraudulent accounts and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. I insist that you take the following actions forthwith : Expunge all fraudulent accounts from my credit report. 
Provide written confirmation that these items have been removed. 
Conduct a comprehensive investigation into how these accounts were erroneously reported. 
Ensure that all future credit reports reflect accurate information and are devoid of any fraudulent activity. 

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

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). Today on XX/XX/XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Student loan

Divorce is messy, but its even worse if youve got a joint federal student loan consolidation. At the time we received the Federal Joint Consolidation Loan it was marketed to us as an opportunity to lower payments with no counseling on potential risk. My husband became XXXX XXXX and XXXX  and the marriage ended in divorce after he XXXX XXXX XXXX. Despite the XXXX and XXXX  suffered  there is no way to separate a Federal Joint Consolidation Loan. There are few federal repayment plan options. I don't have login access to my account. I don't receive copies of my bills. Original bill was just at $ XXXX ( estimated ). The loan since graduation has grown to include over $ XXXX in interest and fees. My ex-husband is spitefully refusing to assist with payments and I have no recourse available to me. Normally a defaulted loan can be consolidated out of default. Given the fact that this is already a consolidated loan, the only was to get back into repayment is through rehabilitation. Congress and the Department of Education need to fix this issue NOW by allowing re-consolidation to Direct Loans for PSLF qualification and as a default cure. 
There should also be a mechanism for these loans to be split up in the event of a marital split. I've tried combing through and have asked for a detailed explaination as to how on earth the loan has accumulated over $ XXXX in interest and fees but Navient is not adequately able to do so.
Product: Checking or savings account

RE : Chime OnLine Bank My Chime accounts ( checking and Credit Builder ) were closed and all the money was stolen by the bank. I received an email stating that " they are sorry to see me go '' and that my account had been closed. I did not make this request. I tried to log into the app and was locked out but was provided with the number to call. I called, waited for 25 mintues only to be told that the accounts were closed, are not eligible to be reopened or for a reimbursement check to be issued. They stole all my money, XXXX XXXX XXXX I asked repeatedly why this happened and the answer was repeated 'our system shows a violation of our policies '. I asked what specifically because I have not done anything out of the norm, ever. I get paid, I pay my bills and hope to have a little saved up afterwards. I asked who I could escalate this to and they said there is nobody. The account is closed, they are sorry, and they are unable to provide additional information. This must be illegal. This must be fraud. I need that money to pay bills, what do I do??? 

The only thing out of the norm was that I had to transfer money from Chime to a traditional bank to make a rent payment. The building I live in only accepts XXXX and Chime does not offer that service or XXXX doesn't want to be associated with this supposed bank. This appears to be retaliation for moving money to a competing bank. I transfer money to a traditional bank and they get to abruptly close my account and keep all my money? How is that legal? 

Stay away from Chime!!
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a Consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : 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 I demand the removal of these incorrect names : 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. I demand the removal of these incorrect addresses : 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, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I demand the removal of these incorrect phone numbers : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX.
Product: Debt collection

On XX/XX/XXXX, I went to the office of XXXX XXXX, questioning why I was not getting a co-pay bill, as well as a statement from my insurance company, from a visit in late XXXX. Come to find out, an office clerk had entered the wrong address, on the evening of my visit. The current clerk supposedly made the correction, and the co-pay of {$26.00} was paid in full using my XXXX. The clerk did not give me a receipt when I asked for one, yet gave me assurances that the bill was paid long before going to collection. 

On XX/XX/XXXX, Central States Recovery of XXXX, KS reported a level 1 debt collection activity to my credit reports causing a severe drop in my FICO score, on behalf of their client, XXXX XXXX of XXXX, KS. I was alerted to this warning in the am of XX/XX/XXXX, by my current credit monitoring service, while at my bank discussing a new truck loan. As a result, I could not proceed with the loan process, due to the severity of the negative credit impact. In other words, I'm stuck. 

After multiple calls to XXXX XXXX on XX/XX/XXXX, I was led to a contact at XXXX of XXXX, where I left a message, which was later returned. In her return call, she in fact agreed with me, that poor data entry and poor follow-up, ie., incompetency, caused all this mess. They have issued a letter to the appropriate credit reporting agency instructing them to remove it immediately, but that it could take up to a week to clear completely. So, as a result, I can't get a new truck, nor a new place to live, which are both " critical '' at this time. I have already stated to both parties, that if there is any trace of this on my reports, and/or, my monthly average FICO score suffers a negative hit, I will sue. They understood, because they realize they screwed up, and I've suffered for it, with no warning to boot. I got no calls from anyone, nor any mail all these months, so I had no idea until this morning, because CSR had the wrong address too. 

Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of a Public Record item that continues to appear on my credit report. Despite multiple previous disputes regarding this issue, the item has not been corrected or removed as required by law. This continued inaccuracy is unacceptable, and I am requesting that the Public Record in question be permanently deleted from my credit file. I have already disputed this item several times, providing the necessary documentation and evidence to support my claim that the information is incorrect or outdated. Yet, despite these efforts, the record has not been removed. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and integrity of the information appearing on my credit report. Since this Public Record is inaccurate, it should be deleted immediately. 

I expect your agency to thoroughly investigate this matter, as required by the FCRA, and take swift action to remove this incorrect information from my report. Please understand that this item is damaging my credit standing and any further delays in resolving this issue will continue to negatively affect my financial wellbeing. 

I request written confirmation that this Public Record has been deleted from my credit report and a copy of the updated report reflecting these changes. 

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

To Whom It May Concern, I am writing to formally dispute a late payment reported on my credit file. The reported late payment associated with DISCOVER BANK, account number XXXX, is inaccurate and requires immediate investigation under federal law. 

Pursuant to 15 U.S. Code 1681s-2 ( a ), furnishers of information are required to report only accurate information. Additionally, under 15 U.S. Code 1666b and 12 CFR 1026.13, consumers have the right to dispute billing errors, including incorrect late payment reporting. As this late payment was reported in error, I request its immediate removal from my credit report. 

I demand that if unable to do so or lacking proof of these payments being late. Please update my payment history to PAANL ( Paid as agreed never late ) Please conduct an investigation into this matter and provide written confirmation of the correction. If you are unable to verify the accuracy of this late payment, I request its removal per the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention to this matter. Please provide a written response within 30 days, as required by law. If you need further information, feel free to contact me at the details above. 

Sincerely, XXXX XXXX XXXX