23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

They included in my my monthly statement legal fees of {$24.00} and property inspection of {$30.00} without telling me and what gives them the right to charge me for something that I did not agree to pay and what right do they have to add charges to my monthly statement
Product: Credit card or prepaid card

On XX/XX/2020 Citi failed to withdraw money from my bank account for a credit card payment, and charged me a {$29.00} fee for returned check, as well as a {$0.00} minimum interest charge. I made the payment over the phone, providing Citi with my banking information that they already had on file. There was a mistake made by the agent in recording my bank account, thus payment failed. I quickly called them, and they agreed that a mistake had been made. I gave them the same bank account again ( the one they had on file for years ) - and they withdrew the payment. I asked to get the fee refunded and Citi agreed. 

Fast forward to 5 months later, the fee has not been returned, and I continued to get charged interest on the fee. I've made multiple calls, monthly, and each time an incompetent representative states that the fee will be refunded, but no money is returned. Rather a new interest charged gets tacked on. I have now paid off the full balance to prevent additional fraudulent interest being charged. 

I'm asking for a simple resolution, return my money to me including fraudulently charged interest.
Product: Checking or savings account

On the morning of XX/XX/18, I deposited four checks at Bank of America, three for $ XXXX {$13000.00} each, and one for over {$300000.00}. The funds were put on hold for processing, but within 24 hours, BofA released all my money. My " available balance '' reflected the full amount of the deposits, there were no holds, the money had been withdrawn from the two accounts on which the checks were made ( which were also my accounts ), and so I paid some bills. 

After 8-10 hours, BofA RETROACTIVELY placed a hold on the full amount of all four checks. And my account was suddenly overdrawn. ( Some of the bills were immediate cash transfers to credit cards. ) When I called customer service, I was told that while BofA indeed indicated the funds had been released, I should have known better than to believe it, because it was such a large amount. Additionally, I should n't have deposited the smaller checks ( checks I deposit with the bank every month ) with the large one, because that was the only reason those funds were also subject to a nine-day hold. 

Now I have an overdrawn checking account and many checks and transfers that will now bounce. And several BofA customer-support staff and managers say it 's all beyond their control. 

What 's not beyond my control is finding a new bank, which I will do the moment the funds clear. I 've been a BofA customer all my life, I have a checking account, a money market account, two credit cards and an IRA, and all will be closed. Also, these checks were from my own accounts, and several were regular deposits that had never been held up previously and, again, BofA simply tells me I should have known not to deposit them simultaneously. I also should have known everything would be held for nine days, even AFTER BofA 's own website reflected the funds as cleared for the entirety of one business day.
Product: Prepaid card

Prepaid XXXX XXXX I filed a dispute but my dispute was not satisfied and I had over draft fees that cause my bills to get turned off and had to get loans from friends and family over something that was not my fault
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a CC with XXXX XXXX XXXX via Comenity Bank for a 1 time use to get a discount on my purchase. I charged {$39.00}. I paid the bill in full and requested the acct be closed. 2 months later I receive a bill for {$30.00} late fee. I called was told my pymt of {$39.00} was 24 hrs late. It was XXXX time and I said maybe it was delayed via USPS. No waiving of fee. They are harrassing me calling 4x a day. Each month they add new fees. Nothing owed on this account is from my making a purchase it's all fees. This acct also says open. I requested it be closed. I have very good credit and this is abuse.
Product: Debt collection

On XXXX XXXX, 2024 LJ Ross was contacted by mail and I requested for them to furnish validation of the assumed debt. They did not respond. However, the reporting agencies have mentioned that the account was verified by LJ Ross.
Product: Credit reporting or other personal consumer reports

I am writing to report a case of identity theft that has resulted in fraudulent information appearing on my credit reports from Equifax, XXXX, and XXXX. This situation is causing severe harm to my credit, personal life, and the well-being of my family members. Despite following all required legal procedures and providing necessary documentation, the credit reporting agencies have not taken any corrective action. I urgently seek the CFPB 's intervention to ensure that Equifax, XXXX, and XXXX fulfill their legal obligations by promptly removing the fraudulent information, which is jeopardizing my financial stability and the security of my family members who depend on our shared financial well-being
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX of XXXX XXXX XXXX Child Support is reporting inaccurate and incomplete information on my XXXX, XXXX, and Equifax XXXX reports. The information regarding the payment history is incomplete as well as beyond the statute of limitations to even be reported since the date of first delinquency has past beyond 7 years. The account has not been current since before XX/XX/2016, meaning that as of today the entire account should have been permanently deleted from each consumer report. The FCRA demands that after 7 years from the date of first delinquency, the account must fall off my consumer report!
Product: Checking or savings account

Wells Fargos bank has already been sued for overdraft fees just last year, I am shocked to see they are still charging people illegally. I received an overdraft fee of XXXX dollars on for a transaction, while there was money in my account to cover the transaction. I monitor my account very closely to make sure I do not occur any late fees. I recieved an overdraft fee notice for a transaction of XXXX for a company that ach drafts my account every month. I had money to cover the transaction, I had money in my account even after the transaction was covered. I sent someone XXXX cents, after my account went to XXXX dollar balance. Once my account went to XXXX dollars, a charge of XXXX made my account go into negative. Instead of me getting a notification and grace period for this charge which made my account go in negative, I get a notification from Wells Fargo stating my account was getting an overdraft fee for as charge that happened in my account when the money was there to cover that transaction. Even after noticing the error, I still debited my account XXXX and another debit of XXXX cents to put my account back in positive after it went negative because of the XXXX dollar charge. I still recieved a XXXX overdraft fee. I called the bank to ask them if they could reverse the charge. I explained to them the error, that the notice gave me an overdraft fee for a charge that the Money in my account should have covered. The rep told me I was correct that I did have Money in my account but because it was ach it didnt post until 2 days later. He never addressed the actual charge that put my account in negative nor did he address the fact that I added money in my account for that transaction as well. He told me they would not reverse the charge and for me to make a complaint to the cfpb, as well as the occ about the overdraft fee. The charge that put my account in negative was refunded to the bank, I explained that to the rep and told him since that charge was refunded my account should have never went into negative, he still stated they would not reverse a charge I should have never incurred. He then told me to make a complaint to the cfpb and occ about this incident because he was not going to reverse the charge even though he said I should not have recieved it.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to formally lodge a complaint against XXXX  XXXX Account XXXX regarding the account referenced above. I believe that XXXX XXXXXXXX has engaged in improper and potentially illegal practices related to the reporting of this account, which have adversely affected my consumer rights and financial standing. 

Violation of XXXX5 USC 1681a ( d ) ( 2 ) ( A ) ( i ) : Under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), certain types of information are excluded from the definition of a consumer report. The law states : " ( d ) Consumer report ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term 'consumer report ' does not include ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. '' I believe that XXXX XXXX has failed to adhere to this provision by improperly reporting information related to my account. Specifically, the information being reported does not meet the exclusion criteria.

Violation of 15 USC 1666b ( a ) : Furthermore, under 15 USC 1666b ( a ), the law states : " Time to make payments ( a ) A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. '' I believe that XXXX XXXX has also failed to comply with this provision. They have improperly treated my payments as late, which is in violation of 15 USC 1666b ( a ), and have reported these late payments to consumer reporting agencies, causing undue harm to my credit score and financial standing. 

Request for Documentation : I am requesting that XXXX XXXX provide clear documentation and evidence that the information being reported on my credit report complies with the requirements of XXXX5 USC 1681a ( d ) ( 2 ) ( A ) ( i ) and that they have not treated my payments as late in violation of 15 USC 1666b ( a ). Without this evidence, the reporting of this account is unlawful and damaging to my credit score and overall financial health.
Product: Checking or savings account

Initial claim against PNC filled on XX/XX/XXXX. 

XX/XX/XXXX - PNC called asking us to make a payment. Since we no longer have access to any of our old accounts, we requested a full detail of deposits and withdrawals. 

XX/XX/XXXX - received documents of all past accounts with balances only. No details provided regarding all of the deposits from our employment direct deposits over the last few months. Therefore, we have no way to verify the exact amount left on our account. 

XXXX - XXXX ( needed to make work arrangements to arrive late due to PNC employee regular schedule of office hours XXXX - XXXX, M-F ). Set up appointment to talk to XXXX XXXX, PNC executive client relations. At XXXX am, " XXXX '' called, stating XXXX had phone trouble. We were told we would need to make another appointment if we wanted to talk to XXXX. 

" XXXX '' stated PNC would not remove any type of hold or negative denotation until we paid $ XXXX they are stating we owe. She stated PNC will not do anything further regarding how the employee/teller accepted, cashed, deposited, and cleared our check twice without proper endorsement ( XXXX ). 

PNC is not taking any responsibility for wrong actions taken by it's employees. These actions are the ONLY reason any of this happened in the first place. PNC is also not providing details of our account deposits. We, the consumer, are the only party involved in this situation sufferings any consequences. Our credit scores have dropped over 200 points, we had to max out all of our credit cards, we lost car insurance, we can not open a bank account at any other bank, we are being reported as frauds.
Product: Money transfer, virtual currency, or money service

I have reported scammer to Bank of America who took money from me XXXX $ his name XXXX XXXX XXXX XXXX visa agent that I paid for visa processing and I reported his bank account to Bank of America they did nothing for me although I gave them all proof... 
The scammer account XXXX XXXX XXXX XXXX XXXX  Acct : XXXX XXXX XXXX XXXX
Product: Credit card

I filed a {$34.00} dispute on my credit card. Six weeks later I was told the bank ruled in my favor and i would be getting a {$34.00} credit back to my credit card account. I never received the credit. Now the bank is telling me I have to open the same dispute again and wait another six weeks for them to investigate it again. -
Product: Debt collection

In XXXX I filed a complaint with the Consumer Financial Protection Bereau in regards to a company calling me indicating I owed a XXXX XXXX debt that I never owed. I explained to them the only debt I owed to a XXXX XXXX account closed on XX/XX/XXXX was fully paid. They insisted that I still owed an amount. 
I then, filed a complaint, but CFPB was unable to send my complaint to the company for a response. The complaint number is XXXX. 
Today on XX/XX/XXXX, I received a letter from Premier Credit of North America LLC indicating again that I owed an amount to XXXX XXXX and I do not. This debt was already paid in full per agreements with XXXX XXXX XXXX. 

I am including the transation documentation for the debt I paid off with XXXX XXXX through XXXX XXXX XXXX back on XX/XX/XXXX. In addition an statement of my XXXX XXXX account which shows on all documents I am providing. 

In addition, I have all my credit reports which indicate this debt was paid and not such debt is outstanding on any of my three credit reports. 

This is a FRAUD of something trying to collect money on a debt that was paid in full.
Product: Credit reporting or other personal consumer reports

When I researched my credit report, I noticed that part of the information was erroneous. XXXX, XXXX and TransUnion are obliged to validate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not allowed to classify this reporting account as unconfirmed information without providing proof within the legal timeframe. Sections 609 ( a ) ( 1 ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverified account below : XXXX  XXXX Balance Owed : {$0.00}
Product: Debt collection

Our previous apartment complex was negligent in repairs to our unit, and under the Texas tenant laws we were able to move out without any penalties due to the unit being uninhabitable. We reported this to XXXX XXXX XXXX, the apartment complex, their parent company, and we pursued legal action against them. They charged us XXXX, and after further calls, and follow ups we havent heard anything back or received any solutions. They then put it onto our credit making it impossible to rent a new apartment.
Product: Credit reporting or other personal consumer reports

An account called XXXX bank credit card was deleted from my credit report due to identity theft. Yesterday I was informed by a credit monitoring app that I placed on my credit report that a derogatory account was added back to my credit report. I checked and realized that a XXXX credit card was added to my account as been delinquent. Now I am not aware of this account and the credit bureau didn't follow the right procedure in having this account added back to my credit report. 
Under the Fair Credit Reporting Act ( FCRA ), specifically in Section 611 ( a ) ( 5 ) ( B ), credit bureaus are required to notify consumers if they reinsert any previously deleted information into their credit report. The key points of this provision are : Consumer Notification Requirement : If a credit bureau decides to reinsert previously deleted information, it must notify the consumer within five business days. This notification should inform the consumer of the reinsertion, provide the name and address of the source of the information, and describe how the consumer can dispute it if necessary.

Requirement to Certify Accuracy : The information can only be reinserted if the furnisher ( e.g., the creditor ) certifies that the information is accurate and complete.

Right to Dispute and Permanent Deletion : If the credit bureau does not follow this process, this can be a violation of the consumer 's rights under the FCRA. If they fail to notify the consumer of a reinsertion, the consumer may be entitled to request a permanent deletion of that item from their credit report, as failing to notify them is a breach of FCRA compliance. 
Due to this violation I am requesting the permanent deletion of the XXXX account from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland mortgage has, on several occasions, reported me as missing payments or paying late when I have made every payment on time. I can prove this with bank statements and confirmation numbers provided by the company. I have had to make several disputes to XXXX XXXX to rectify drops in my credit score due to false reports from midland mortgage. I have spoken to the company about the issues they are having and each time they have responded with assurances that it will be fixed. They have recently referred me to foreclosure despite having zero issues with my payments.
Product: Debt collection

Hunter Warfiled, Inc. has been trying to collect a debt since 2013 that I do not owe. They 've threaten to sue me without providing the proper documentation that I 've requested multiple times. I 've repeatedly sent letters of validation, and they failed to provide original documentation such as an original contract between me and the creditor time and time again. They removed the debt from my credit report but was re-instated and no notice was provided to me within the required time. Due to this my score has gone down dramatically. I also noticed that the " amount owed '' has increased as well which makes me doubt that this debt is even legitimate. It could be interest which I do n't even know if they are allowed to charge it?? I also believe that this could be a consequence from ID theft that occurred to me years ago. If this debt can not be validated I would like for it to be removed from my credit report.
Product: Credit card or prepaid card

I have a NetSpend card and was charged by a couple merchants I shouldn't have been. I filed a dispute and one vender returned my funds to them but they are holding it till the other company does the same. It has taken months. This has put me and my XXXX kids in a financial bind. They have my money from the one merchants and are keeping it to draw interest for their own benefit. They told me first I would get it back as soon as NetSpend received it. Now they are saying they won't until the other 2 disputed accounts are finished being investigated. This is really hurting me and my family so much. They keep saying a manager or the dispute department will call but they never do. I want them looked into if at all possible.
Product: Checking or savings account

I began receiving notifications from a pen fed account that I rarely use and was instructed to reach out to the fraud department. Upon contacting the fraud department, I was required to answer a series of questions to verify my identity. When asked if I had been out of town, I responded negatively. Subsequently, I was advised to change my username and log into my account. It was at this point that I observed unauthorized activity amounting to {$17000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern  XXXX    XXXX   XXXX   XXXX    XXXX , CA  XXXX    XXXX     XXXX   XXXX   XXXX    XXXX , TX   XXXX   Equifax   XXXX   XXXX   XXXX    XXXX , GA   XXXX    XXXX ,   XXXX   SOC SEC   #   XXXX   DOB    XX/XX/XXXX      XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , FL  XXXX  To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , FL  XXXX  I HAVE BEEN LIVING THERE SINCE   XX/XX/XXXX  H ave enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS :   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , FL  XXXX  Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.
Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.
Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my bills with my Name and current address.
 XXXX ,   XXXX    SOC SEC  #   XXXX   DOB   XX/XX/XXXX     XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , FL  XXXX
Product: Debt collection

National credit systems Inc placed an collection account on my credit file XX/XX/XXXX for the amount of {$500.00} disputed with company in XXXX of XXXX and they have refused to remove information from my credit file
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX Subject : Formal Dispute Regarding Inaccurate Information on MY Credit Report Dear Equifax, I am Writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my own rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection bureau filed a lawsuit against Equifax for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These include practices, as outlined by the CFPB, Include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.