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

I have had a perfect record score, then I got covid, which keep me without been able to leave anywhere, during that time I couldn't deposit funds in my account, therefore the account didn't had sufficient funds to pay some bills, by the time I managed to head to the bank and deposit the bank has charged me with {$1200.00} on fees that make impossible to pay. There fore the account balance skyrocket to negative. I ask the bank to reverse the fees and they refused, now my XXXX XXXX that was XXXX for the past 2 years dropped to XXXX due they abusing with fees that are impossible to pay. 
The amount that actually made the account balance to be in red was solely for the bank fee as all payments that needed to be done on my part were paid on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX accounts Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made 8 payments of {$1700.00} through XXXX Bill Pay recorded confirmed payments to XXXX XXXX yet, XXXX XXXX has damaged my 100 % payment history by reporting continuous damaging lies. Dropping my scores down 200 points after decades of caring and making payments 100 % on time. XXXX XXXX for example reported on XX/XX/XXXX to XXXX  that the loan # XXXX was delinquent in XX/XX/XXXX, lies again as I have a first payment letter that states XX/XX/XXXX. I am currently paid through XX/XX/XXXX. In addition in a prior complaint in XX/XX/XXXX with the CFPB, a director for XXXX XXXX states he is crediting a unnecessary legal fee of {$950.00}. to add it back on XX/XX/XXXX the last statement populated or available to view as of today XX/XX/XXXX. Where is my XXXX statement? that I should have received prior to XX/XX/XXXX. For over 6 MONTHS XXXX XXXX is purposely damaging my reputation and credit scores for No reason. They get a Direct payment from me and they are not included in any Chapter XXXX. In fact they acknowledge receipt from XX/XX/XXXX by a Mr. XXXX Director for XXXX XXXX to the CRPB back then!
Product: Mortgage

My mortgage loan was foreclosed on XXXX XXXX, 2011 Sheriffs deed. I contacted A lender to apply for a new mortgage in which I can not obtain XXXX as my name is still in the FHA XXXX XXXX. I contacted Citi Mortgage to have this resolved. Per FHA they have not received a claim on the property and I can not get a preapproval for a new mortgage. Citi could not provide me with any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried disputing a mortgage on my credit report from XXXX Mortgage. We have been in this house since 2008, we the house was bought only my husband was on the loan and the paperwork. I did not work. The mortgage company would not even speak to me or give me information on the mortgage at one point, because I was not on the account. As, you can see the mortgage was just recently put on my credit report as of last year. Why all of a sudden 14 years later, I was told I was a co signer. The mortgage company recently sent us papers for a loan modification, that I signed. Im not sure why my name was on them, as I was not on the original loan. Just because Im married to the owner, that doesnt automatically make me a co signer. When people buy a house, companies do credit check and employment verifications on the buyers. They were never authorized to run a credit check or a employment verification, so who could they make me a co signer to something that I didnt apply for or can afford. I have the original mortgage paperwork and my name is not on it! I want this off my credit report because I did not personally apply for this loan. Please help me!
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 around XXXX.. I checked my Wells Fargo online banking account and noticed a charge for XXXX from XXXX  and immediately called the fraud center to report that my card had been compromised. At XXXX that evening, I received a call back during my work hours from the same number I had called at XXXX and thought for sure it was my bank calling about my dispute.. come to find out it was a scam and the scammers got my information because they acted like they were helping me and with Wells Fargo.. They wire transferred {$14000.00} from my account through XXXX XXXX in California. My entire savings, {$2000.00} from my credit card, and all of my checking account completely wiped. Here I am about to turn XXXX tomorrow, a XXXX XXXX XXXX XXXX, and trying to close on a new home and my life is torn now. I have XXXX money in my account and XXXX help from my bank Wells Fargo. They keep telling me my money is not insured but if they would have just closed my account when I first called them then this would not have happened the way it did. I am without a doubt screwed if I can't get that money back. I will be XXXX, with a XXXX, XXXX XXXX XXXX. Please help me.
Product: Credit card

I had applied and was approved for a menards / capital one charge card. I made a purchase on XX/XX/XXXX using the 6 months same as cash promotion. Then I made two additional purchases on XX/XX/XXXX and XX/XX/XXXX that were supposed to be 4 years same as cash but each statement I received after those purchases I seen I was being charged a reduced rate of 3.99 %, I called customer service to ask why I'm being charged a reduced rate and not receiving the XXXX yrs same as cash when I made the purchases and they couldn't help me and all the csr did was read from the paragraphs on the monthly statement. The customer service rep provided no help at all. That was in XXXX / XX/XX/XXXX. Now XX/XX/XXXX I receive my monthly statement and have been paying up to {$300.00} - {$310.00} per month since XXXX or XX/XX/XXXX trying to pay off the 6 months same as cash promotion b/c it was expiring XX/XX/XXXX but was charged {$170.00} interest on my XXXX statement b/c the 6 months promotion expired XX/XX/XXXX and they have been applying each monthly payment that I'm making to the ( XXXX ) 4 year promotional balances instead of the 6 month promotion that was expiring and I'm now being charged 30.24 % interest on that 6 month promotional balance. I called customer service again today XX/XX/XXXX at XXXX est. asking if I can pay the 6 months promotional balance off in full so I'm no longer being charged 30 % interest on that remaining balance. The csr tells me that no there is no way to make a direct payment towards a particular promotional balance and proceeds to read the " HOW DO YOU APPLY MY PAYMENT '' paragraph from my monthly statement. This is after she put me on hold from 20 minutes. I just don't understand how they are getting away with these things and why they don't allow a customer to make a payment towards a particular promotional balance. They allow a customer to make separate purchases using different promotional types and then the customer is stuck paying them off how Menards / Capital One decides.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 I noticed two hard inquiries on my account that I do not recognize nor did I authorized. 

XXXX. One Main Financial XXXX. XXXX XXXX
Product: Checking or savings account

Wells Fargo transferred from one account to another which was not authorized by me and advised me of this by letter on XXXX and has made NO effort to reimburse me of the lost monies because of this. This transfer was NOT authorized by me thus allowing a scammer to make me think that one of the bank employees was scamming my account and he would make every effort to retrieve the monies for me. When discovered by me, I reported this to their fraud dept. who stated in their letter dated XX/XX/22 that the case was closed because " we couldn't reverse the online transfers, either because there wasn't enough funds in the account or the account has been closed ''. Your claim is now closed ''. Yes the accounts in question were closed by me when I realized other unauthorized persons had access to my four ( 4 ) accounts. A wire transfer to XXXX XXXX was Not authorized by me " as the money will not be returned from the receiving receiving bank ''. A police report was also made to the XXXX Police Dept. The bank did not investigate this issue other than to tell me they could not get any of the {$87000.00} I lost.
Product: Student loan

To : Navient Customer Care Department Case # : XXXX The nature of this corresondence is to inform Navient of errors and greivances that has caused me severe hardship on my consumer report, i'm speaking of the Closed Navient accounts. Now I had Navient customer care department perform a reinvestigation spear-headed by the CFPB in regards to four bank statements that I made between XXXX. 

The results of the investigation was that they couldn't verify my payments without contacting my bank. And i'm going to show you that in accordance with cosumer law I am not obligated to disclose my personal banking information. 

You furnished a letter ( attached to this document ) in which you were not able to verify my payments after your reinvestigation, and because you couldn't verify the payments the reinvestigation was considered incomplete. You must delete the accounts or put in a delete account request to XXXX and XXXX because you are the furnisher, otherwise you have violated a consumer law which I will show you down below. 


This will be a notorized document and this will be the final notice to request These Closed Navient accounts ( 5 with XXXX and 2 with XXXX ) to be DELETED from the consumer file. If these accounts are not DELETED a lawsuite will be filed against you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ERC Date : XX/XX/2021 XXXX : Social Security Number : XXXX To Whom It May Concern, This letter is regarding account ERC, which you claim This is my account which was placed in collection off {$4600.00} ). This is formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence and bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX  and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that you could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$2000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623- b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
My Contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organization below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Product: Checking or savings account

Identity theft. On XX/XX/XXXX around XXXXXXXX XXXX and on XX/XX/XXXX around XXXX, someone opened checking account in Bank of America using my SSN and name XXXX The first fraud online application has confirmation number as XXXX, and the second fraud online application 's confirmation number is XXXX. 

I called the Bank of America on XX/XX/XXXX and XX/XX/XXXX to closed those two fraud accounts.
Product: Credit card

I have no agreement with Midland Credit Management Inc.. I would like Midland to provide the following explanation : PLEASE DO NOT SEND ME monthly BILLS as validation. PLEASE PROVED ME WITH THE FOLLOWING : I am requesting verification of the alleged debt, specifically : 1. A copy of the ORIGINAL PURCHASE AGREEMENT with my signature 2. Insurance claim of the debt & BILL OF SALE 3. The XXXX w

ith the original creditor 4. Do you have a license in the state of Georgia to collect on this debt as well as the arbitration clause according to 15 U.S.C SECTION 1692 G. 5. Why is this on my Credit Report, - - I am unaware of who this company is or who they are representing
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX ( XXXX ) XXXX XXXX XXXX/XXXX/2025 XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Credit Report Dispute Dear XXXX, I am writing to formally dispute inaccurate information on my credit report. I recently reviewed my report from your bureau and noticed incorrect or outdated information that needs to be corrected. Please find the details of the disputed item ( s ) below : Disputed Item ( s ) : Creditor Name : BULL CITY FINANCIAL SOLUTI Account Number : XXXX Issue : I have identity theft my purse was stolen from my car with all of my personal information I an not aware of this account nor was it me who created this account. 

I have attached copies of supporting documents, such as substantiate my claim. I kindly request that you investigate this matter and update my credit report accordingly. 

Please provide a written response confirming your findings and any actions taken regarding this dispute. Under the Fair Credit Reporting Act ( FCRA ), I understand that you have 30 days to investigate and respond to this request. 

Thank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report is accurate. Please feel free to contact me at the information provided above if further details are needed. 

Sincerely, XXXX XXXX XXXX XXXX. 

Let me know if youd like me to tailor this letter further to your situation!
Product: Credit card

I filed a case # XXXX on XX/XX/year> related to interest charges of approximately {$150.00} on my XXXX statement. In reviewing the cardholder agreement associated with my account, I believed that interest should not have been charged on my XXXX statement. A followup call was made by me on XX/XX/year>. On this call I was informed that the interest was related to my XXXX statement charges because my XXXX XXXX of {$10.00} was made 4 days late on XX/XX/XXXX. 

The XXXX XXXX does not clearly indicate that interest will be charge on upcoming charges not yet do. Additionally, interest is charge for the entire month for these charges for the late payment on the new charges rather than the interest on the charges for the XXXX statement. 

In Addition, the company charged a late fee for the XXXX Payment. I agree that I should have been charged interest on the charges for XXXX that were paid late and I should have paid a late fee for this monthly charge. 

After reading the terms and conditions multiple times, it is clear that the language discussion how interest is charged is deceptive and purposely not clear.
Product: Credit card or prepaid card

I have been trying for years to resolve two fraudulent accounts opened in my name with XXXX XXXX XXXX XXXX. I have even paid with settlement amount to pay one of the accounts that did not belong to me to resolve negative effects that i have been suffering since this negative accounts are on my credit report. I am a XXXX XXXX. I can not pay someone else 's bill due to my limited income. I am poor, and just can't do it. XXXX XXXX XXXX has done nothing to correct these errors. I have requested validations for both of these accounts. XXXX XXXX XXXX has sent none because there is none. I have even sent in police reports on several occassions. I am tired of suffering from the hands of XXXX XXXX XXXX.
Product: Checking or savings account

I funded an account at US Bank ending in XXXX with an external investment account ending in XXXX on XX/XX/year> for {$1500.00}. This account has been utilized 20 or more times in the past to fund the US Bank account. The bank teller, XXXX XXXX, gave me a Notice of Hold stating the funds would not be available until XX/XX/year>. XXXX had no idea why. I phoned US Bank on XX/XX/year>, spoke to a representative and she told me the same thing, but did not know why. I did not get that representatives name. I spoke to XXXX today at US Bank and she said the hold was due to a {$1400.00} bounced check from investment checking account ending in XXXX that I wrote to US Bank on XX/XX/year>. This is true. As I am a XXXX, I was called to NY XXXX XXXX XXXX to tend to my XXXX XXXX XXXXXXXX Mom. In my hurry to leave on XX/XX/year>, I wrotre the {$1400.00} prior to the funds becoming available at the investment firm. This was my mistake and I will take responsibility. The reason for the complaint is due to the following, as explained by XXXX : The {$1500.00} check in question was presented to US Bank on XX/XX/year> by me. The investment firm released the {$1500.00} to US Bank on XX/XX/year>. If the {$1500.00} was released and US Bank has it, as explained by XXXX, why will the funds not be available until XX/XX/year>? According to XXXX there will not be any interest given on the {$1500.00}. The money will be in the hands of US Bank for 7 days and will for sure be invested. I realize US Bank is punishing me for my mistake, however, it is unfair for US Bank to have the money in hand and not release it.
Product: Credit reporting or other personal consumer reports

Submitted dispute to all 3 credit bureaus for the following accounts listed below. Some accounts were deleted from 1 credit bureau but not from others that addressed same dispute. I requested deletion from each Credit Bureaus from the following accounts : 1 ) XXXX XXXX XXXXt Card- Disputed discrepancy in reporting contradictory open and closed dates and that account was too old to be reported to credit bureaus. TransUnion removed account from Credit Report but XXXX and XXXX did not. The 1st date shown below XX/XX/2024 states file was deleted from credit agency but 2nd date XX/XX/2024 states INVESTIGATION RESULTS - VERIFIED AS ACCURATE and UPDATED : The disputed items ) was verified as accurate ; however, other information has also changed ** ( Report Created On : XX/XX/2024 File Identification Number : XXXX Provided by TransUnion Consumer Relations ) ** ( Report Created On : XX/XX/2024 File Identification Number : XXXX Provided by TransUnion Consumer Relations )
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX  XX/XX/XXXX ; EQUIFAX MORTGAGE XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; EQUIFAX XXXX XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

Had loan for three months amount of loan was XXXX dollars .the first payment was debited from my account for XXXX the second month the amount jumped to XXXX the third month for the XXXX of those amounts XXXX dollars was applied to the loan amount I just paid the balance off and will no longer do business with these loan sharks
Product: Money transfers

I am currently unemployed, so I am looking for work. I received an email about a XXXX XXXX position on XXXX/XXXX/XX/XX/2015. I requested more information and and received additional details and some paperwork to complete from XXXXXXXXXXXX. After I performed some research on the company and not finding anything negative, I completed their paperwork on XXXX/XXXX/XX/XX/2015 and awaited further instructions. On XXXX/XXXX/XX/XX/2015, I received an email advising that I had been chosen as a XXXX XXXX. I next started to receive calls from XXXX XXXX XXXX XXXX XXXX XXXX who started the training process of me initially processing checks for their customers as well as funding loans. I was also contacted from XXXX XXXX XXXX XXXX. They wired funds to my account on XXXX/XXXX/XX/XX/2015 and XXXX XXXX to Money Gram this to XXXX of their customers. This was done today XXXX/XXXX/XX/XX/2015 and the Money Gram reference # XXXX. Shortly after the funds were sent, they reversed the initial funds from to my account. The amount of my loss is {$990.00}. Please let me know if you need additional details or if you have questions. This company is still in operation doing business as usual. I would like to see them taken down as they stole my hard earned money and are still using the same website, phone numbers and email addresses. I would like to help out as best I can.