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

On XX/XX/XXXX I was charged to overdraft fee of {$35.00} for a transaction that was {$40.00} this fee I feel like is unfair I called the number that I have to complain about it and representative was very rude did not help me with the situation I have complained numerous times about how beautiful you guys are with your fees and there is something that should be done then on Monday XX/XX/XXXX I had a check for a payment of {$1600.00} and that got returned but now there's our other charges pending that were made last week that should not be pending meaning that there should be no fees pending at all with these transactions this is an ongoing thing with this Bank this is like the only bank that I really have the situation with I'm tired of calling you guys about the same situation over and over and over I wish that you guys would just fix this problem and see that I'm not doing nothing wrong I was trying to have my account on a positive note like that I don't get overdraft charges and for some reason every time that I see that my account is cleared the following day does a overdraft fee I'm hoping that on XX/XX/XXXX with the email that you guys sent me that was sent at XXXX XXXX almost XXXX XXXX in the afternoon and then you guys give me to XXXXXXXX XXXX  which is only XXXX hours instead of XXXX hours if I want to have been notified ahead of time that my check was pending I would have had the positive the money I had the time also I went to deposit a check into the ATM to cover the {$1600.00} and for some reason the ATM did not take the check so I had to wait to go deposit the check in the bank I deposited the check today Monday the XXXX of XXXX and the check is now pending for Tuesday XX/XX/XXXX I don't know why you guys are holding funds for money order when is the money order I'm not sure if the ATMs are set money orders deposit but that's another problem that you guys should fix like that people don't get overcharged and get overdraft fees I would appreciate someone helping me with this issue I would like my refund back for those overdraft fees and I would like to be explained why I got a return check when they shouldn't have been over drafted like you guys have always overdrafted me before it's not fair that I get charged {$35.00} for {$5.00} but when it comes to my rent you guys can approve it it's not fair and it's not right my landlord just got charge of return check fee because of this stupidity thank you
Product: Credit reporting or other personal consumer reports

Per the FCRA as a federally protected consumer, I am now opting out of all authorization with Nordstrom. I the consumer may have given you written, unwritten, verbal, and non-verbal. I am now rescinding that authorization per 15 USC 6802 effective immediately and indefinitely.
Product: Prepaid card

On XX/XX/2025, I received a call from a bunch of scammers spoofing me as XXXX agents and deporting me back. I was asked to buy gift cards from stores like XXXX XXXX, XXXX, XXXX and XXXX as " secure bonds '' for collaterals in the immigration documents to bring a stay to my deportation. They led me to websites where they showed me actual uscis.gov websites supporting the said information and the forms looked very real. They also knew my location at all times and had me on a digital arrest the whole time, not allowing me to seek help or consult with anybody during this time. They knew sensitive informations relating to my recent travel along with my employment status and blackmailed me at the time with constant state of fear of deportation and me losing my accolades. They made me buy XXXX {$1500.00} gift card from XXXX {$1200.00} from XXXX, {$2400.00} XXXX XXXX and {$500.00} from XXXX. After buying these cards, they would ask me to scratch the cards and with all the details displayed, send them pictures of these cards to the number where they were asking me to send my documents to " attach to the forms ''. After, I tried to get out of the scam, I filed a police complaint and also contacted the banks to stop the payments but they did not stop these transactions in any way or form. {$2700.00} worth of the transactions were made by my XXXX XXXX XXXX  and the rest were made by my chase debit card via XXXX XXXX.
Product: Mortgage

we had XX/XX/XXXXmortgage for 4 years then got transferred to fay in XXXX in XXXX XXXX put 5 months and escrow shortage into are loan and uped are mortgage amount because my wife was on XXXX for 6 months XXXX percent pay we have the paperwork fay is saying beside are normal mortgage of XX/XX/XXXX that we owe XXXX and are adding intrest on it XXXX fixed it in XXXX
Product: Money transfer, virtual currency, or money service

I am filling this complaint against cash app, due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions has cost significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

I was with navient, they charged me {$300.00} to consolidate my loans. They said I would only have to pay {$12.00} a month in this new program. Now I 'm with XXXX XXXX. I did n't know that being in this program would increase my loan! They did n't say anything about the interest accumulating. I thought I would just be paying back what I had borrowed they mentioned nothing about the interest rate I was extremely missed lead. Then another loan agency sent me a letter, " student loan division '' sent me a letter sayin I should n't have been charged to consolidate my loan to get into this program why is this happening why am I getting buried in this loan? I 'm very distraught confused and worried if someone can please help me clear this up I would really appreciate it.
Product: Credit card or prepaid card

On XX/XX/2022, I bought a {$500.00} Vanilla Visa Gift Card at XXXX XXXX # XXXX. I gave it to my sister as a gift. She was unable to use the card and called the number on the card. They told her only the person who purchased the card could file a case. She gave the card back to me and I called Vanilla. On XX/XX/2022, I opened a case and sent them a front and back copy of the driver license, a front and back copy of the actual gift card, and the original receipt from the gift card purchase at XXXX. They responded and said it was a XXXX issued product ( the card clearly states it is a Vanilla card ) and asked me to send a copy of the receipt. On XX/XX/XXXX, I sent another copy of the receipt. On XX/XX/XXXX, I went to the XXXX where I purchased the gift card and they told me they could not do anything since it was not a XXXX card. When I did not hear back from them, I called Vanilla again on XX/XX/2022 and was told that my claim was denied. When I asked why, they merely told me to call the number on the bottom of the receipt. There is no number on the bottom of the receipt. They would not give me an answer as to why my claim was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PROBLEM IS WITH XXXX CREDIT REPORTING. I PLACED A FRAUD ALERT ON MY ACCOUNT DUE TO A LONG JOURNEY OF INCORRECT INFORMATION REPORTING ON MY CREDIT FILE SO I PURCHASED XXXX  'S CREDIT MONITORING MEMBERSHIP AND PLACED A FRAUD ALERT ON MY CREDIT FILE AND TODAY I NOTICED AN ACCOUNT BEING LISTED ON MY CREDIT FILE AS OF XX/XX/XXXX OF AN COLLECTION ACCOUNT SHOWING FRAUDULENT/INACCURATELY OPENED ON XX/XX/XXXX. THIS ACCOUNT IS NOT MINE AND DOES NOT BELONG TO ME.
Product: Checking or savings account

WE have had this account with Bank of America for yes, one of the workers told us he wanted us to get the most out of our account. WE explain was happen but he told us we would not be changed any fees, if we change the account to update it. 
This was a lie. Account is being charges fees, why ( my check has been going to this account for years, plus, a saving account with, our home loan, and a credit card is attacked to our account. 
However this bank want to charge us fees which, MY wife tape recorded the person that stated they had fixed the account and would not be change any more fees. 
As of XX/XX/2029, fees are being taking out of account. Which we were told no more fees will come out of the acccount. 
We want your office to look into this matter and listen to our tape recordings.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have 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
Product: Credit reporting or other personal consumer reports

I was disputing some items on my Experian report but now noticed that they do not have the date if should be removed on the potential negative accounts, and balance update changes frequently, so I do not know which date to even try to go by to estimate these. I have disputed 4 items today, and one was even removed once and now it is back on my report.
Product: Credit reporting or other personal consumer reports

Trans Union is acting in BAD FAITH because it is IGNORING the true sole basis of my dispute by stating account Belongs to You when they verified. My dispute has ABSOLUTELY NOTHING to do with whether this account belongs to me or not. 

XXXX XXXX - # XXXX that I disputed via XXXX on XX/XX/XXXX is based on FCRA 602 which states I have a right to privacy and FCRA 604 ( a ) ( 2 ) which states a Credit Reporting Agency can not furnish an Account without my written instructions.

Additionally, Gramm Leach Blilley Act Section 6802.

This is the sole reason and basis for my dispute and Trans Union has illegally IGNORED it.

I received letter from Trans Union today showing account was verified with XXXX. # XXXX / Date Issued XX/XX/XXXX. 

Trans Union is in clear violation of FCRA 1681 ( s ) ( 2 ) ( B ) which is the most serious violation that I can sue for in a COURT OF LAW due to their BLATANTLY failing to conduct a reasonable investigation, but it would not be the only violation committed by Trans Union that I would seek compensation for.

Additionally, I made a request in advance with my dispute just in case the account was VERIFIED, under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and FCRA 611 ( A ) ( 7 ) and my request was IGNORED, because I received NOTHING within the 15 days that the law requires. I requested the name of the persons they spoke with along with their telephone numbers and address. I will also include this violation to collect monetary compensation if I am forced to take Trans Union to court.

I want to forego litigation but will do so if forced. 

I want XXXX XXXX XXXX. 
deleted from my report immediately.
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. 

XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXL Account # XXXX, LA XXXX XXXX Account # XXXX has violated my rights. 

XXXX5 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 or other personal consumer reports

XXXX- XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 These hard inquiries were not authorized by me
Product: Debt collection

Sunrise has constantly contacted me directly about an old XXXX Cell Phone debt. Today, XX/XX/2017, a family member informed me that someone called him about a debt I owe. I was n't sure who could be calling him about my debt. I asked for the number, and when I called the number from my phone, the voice recognition unit ( vru ), asked that I enter the number that was called from their business. I entered his number, and a Representative asked me to confirm who I was. 

I have n't authorized this company, or any other company to contact any of my family members regarding any debts I owe. 

Please help. Thank you
Product: Credit card

I cancelled an autopay with CITI BANK on XX/XX/year> XXXX XXXX  that was scheduled for XXXX. I received confirmation number XXXX that my autopay was cancelled with XXXX XXXX XXXX XXXX XXXX ( XXXX ). I then submitted full payment for my bill with XXXX XXXX XXXX XXXX ( XXXX ) for {$1800.00}. 

On XX/XX/year> My XXXX payment successfully processed but I noticed I had a pending charge for the upcoming cancelled autopay with XXXX for {$1800.00}, I contacted CITI BANK and representative XXXX informed me I had no future payments scheduled. 

On XX/XX/year> CITI BANK deducted {$1800.00} from XXXX which was the date of the original autopayment. I contacted CITI BANK and representative XXXX informed me they had no payment history for this charge.
Product: Credit card or prepaid card

Actually not trying to close the card, American Express Travel Services, issuer of my XXXX XXXX XXXX XXXX XXXX, closed it without warning several months ago. I 'm actually trying to get the card re-activated, or at least get my balance returned. 

One day a few months ago I went to log in to the account, which I had been using trouble free for some time, to find a message saying my account was suspended. I immediately called customer service, and was told that there was an investigation going on regarding " possible fraudulent activity '', and while I was n't being directly accused of anything, my card may have been involved, and so the account had to be suspended. I inquired as to how long this " investigation '' was going to take, and was told it could be several weeks to a month or more. 

Well, in the months following I have placed numerous followup calls to customer service, only to be told the same story, with no resolution or end date given for their investigation. When I asked how I could escalate my issue, as I need the card, I was told I would have to write to their fraud department, was n't given an option to call them. 

This has gone on way too long with no resolution, so someone mentioneed I could contact this office for possible relief. I was in no way conducting any sort of fraudulent activity, and doubt that anyone I conducted bill-paying or any other activities were engaged in anything fraudulent whatsoever. 

Thanks very much for anything you can do, XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




UNAUTHORIZED INQUIRIES : 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 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 of 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

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX  - Inquiry XXXX XXXX XXXX - Inquiry XXXX XXXX XXXX XXXX Inquiry has violated my rights. 

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
Product: Credit reporting or other personal consumer reports

I would like to dispute off this inaccurate accounts from my credit report. Please see below the following items. 

Equifax : XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX {$1400.00} XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Account Number : XXXX {$3400.00} XX/XX/XXXX XXXX XXXX  XXXX Account Number : XXXX {$1400.00} XX/XX/XXXX XXXX : XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Account Number : XXXX {$1400.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported this issue with Equifax before that they keep reporting wrong last name in my credit report as XXXX XXXX instead of only XXXX XXXX. I submitted documents which shows only XXXX as my last name not XXXX and I wanted that wrong spelling last name of XXXX XXXX to be removed from my credit report.
Product: Debt collection

Back in XX/XX/XXXX, I disputed XX/XX/XXXX because of their discriminatory, predatory lending, and unfair and deceptive practices. XX/XX/XXXX XXXX charged me inflated, unjustified fees, and misrepresented information to the credit bureaus. XX/XX/XXXX never responded to the fact that my promotional period ended XX/XX/XXXX. XX/XX/XXXX charged the account off on XX/XX/XXXX and then hired several third-party agencies. However, XX/XX/XXXX XXXX does not tell any of the third parties that I am a 100 % permanently XXXX Veteran and my sole income is /my VA XXXX - misleading the third parties. When the third party finds out of my Veteran XXXX status XX/XX/XXXX XXXX will hire someone else.
Product: Mortgage

I have had three issues, as chronicled below : ( 1 ) I have been trying to contact a representative regarding an issue with an update to my condominium insurance policy. The phone tree for this mortgage servicer makes it extremely difficult to get through to an agent for insurance escrow purposes. Once you go through the prompts for escrow purposes and select the insurance option, you are sent through a complicated maze of options with no option for a truly " none of the above '' option. The first set of prompts provides a " none of the above '' option, but this set of options also provides only three options, none of which also applied to me. I pushed zero to try to get through to an agent, and it said this was an invalid entry and that I had to push another button to go back to the previous menu, which again had options none of which applied to me. All I wanted to do was check in with the agent regarding the status of my insurance change, and had to wait over six minutes just to get through the convoluted maze of options to speak to someone. This is inappropriate and needs to change. When I tried to submit a complaint regarding this issue once I finally got through to someone, the agent said she could not take a complaint, and I had to submit a complaint to the customer service department. She proceeded to transfer me over to this customer service department, which again transferred back to the phone tree where I could not reach anyone.

( 2 ) I made an extra payment to escrow on XXXX XXXX XXXX of {$83.00} with the confirmation number of XXXX. This amount was deducted from my bank account but I have yet to have it actually show up on the " transactions and payment history '' section of my portal. The last transaction is an escrow disbursement on XXXX XXXX XXXX for the PMI but there is no associated escrow payment of {$83.00} that shows up on my account. I have included a screenshot of the transaction and payment history table.

( 3 ) I have used a password generator to create an extremely secure password for my account, yet the website for this servicer keeps asking me to change my password every single time that I log-in. If I ever click " remind me on my next session '' on my mobile device, the website actually logs me out. I would rather have the servicer just provide a disclaimer, than to force me to update my password. Unless this servicer 's portal is insecure, I am not sure why a uniquely generated password needs to be changed every few months. If someone hacks into one of my other accounts and steals my passwords, they still would not have the password to this specific account.
Product: Debt or credit management

In accordance with the fair credit report act, this creditor has violated my rights. Under 15 U.S C 1 81 section 602 states I have the right to privacy. Under 15 U.S c1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written consent. Under 15 US c 1666 B a creditor may not treat a payment on an account under an open consumer plan as late.
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 XXXX XXXX XXXX, has violated my rights.

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

I had another complaint where I complained that this company refused to give me my credit report. After I filed the complaint they sent me an online access code so I could see it. But the code timed out in a few minutes or when I refreshed my page. Then they refused access. I did not have time to read my report. I tried to call them about this but could not get past the robot. They seem to try to make this as inaccessible as possible while technically complying with the law that requires them to do this. It is very user-hostile. They do n't want to do this. My report has lots of inaccurate information but I ca n't fix it without paying or waiting another year.