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

I opened a 12 month CD account for {$60000.00} at the XXXX XXXX Branch of Bank of the West at XXXX XXXX XXXX XXXX, XXXX, CA XXXX in XXXX of XXXX. It renewed itself in XXXX. On XX/XX/XXXX, the maturity date and the first day the grace period, I phoned the bank and spoke to someone who identified himself as the manager. I told him I did not want the CD to renew for another 12 month term. He told me that in order to prevent the CD from renewing I would have to appear in person or send the bank a notarized letter. 

In my CD contract with Bank of the West it says, '' All automatically renewing CDs with terms of 32 days or longer have a 10 calendar day 'grace period ' following the maturity date of the CD when you can withdraw funds or make changes to the CD without an early withdrawal penalty. '' Nowhere does the contract state that one must appear in person or, if not in person, provide a notarized letter of intent during the grace period. 

Further, Bank of the West 's internet advertising states mobile banking customers are allowed to make : External transfers move money from Bank of the West accounts to accounts at other banks. 

I am a mobile banking customer and was not offered either of these options. I was leaving that day for a 2 month trip to XXXX.I was in XXXX and on a boat for the entire grace period. I found it impossible to present a notarized letter. 

I believe that Bank of the West uses this unfair, possibly illegal, practice to retain customer 's money for as long as possible. They offer a teaser promotional interest rate on CDs. When the CDs mature, they are renewed at a significantly lower rate. Then if the customer can not appear in person at the bank or can not get a notarized letter, they charge extreme penalties to withdraw the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$15000.00}, {$9800.00}, {$4000.00}, {$0.00}, {$0.00}, {$20000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

3. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9800.00} -This is not my account. 

4. XXXX/XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX XXXX XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally lodge a complaint with the Consumer Financial Protection Bureau concerning Equifax 's failure to address and rectify inaccuracies on my credit report. On XX/XX/XXXX, I initiated communication with Equifax to address the discrepancies outlined below. Regrettably, I have yet to receive any form of response or action from Equifax. The following provides a comprehensive account of the erroneous information and the corrective steps required : Account Details : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1000.00} I hereby assert that the account linked to the account number XXXX, established on XX/XX/XXXX, under the name XXXX, is not associated with me. Thus, I firmly request that Equifax expeditiously eliminates this inaccurate account entry from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I submitted several complaints : XXXX with XXXX ; XXXX with XXXX and XXXX with XXXX. It has been over the 30 days allotted time that the FCRA gives to complete an investigation. 

All 3 of the mentioned consumer reporting agencies have failed to promptly update and correct information it furnished to Consumer Reporting Agencies ( CRAs ) that it determined was not complete or accurate, and continued to furnish this inaccurate and incomplete information, in violation of the FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 ). And have violated my privacy based on 15 U.S. Code 6801.
Product: Money transfer, virtual currency, or money service

I was issued a {$1100.00} payment by a random person via PayPal. I conferred with multiple people who said it is likely a chargeback scam and told not to withdraw the funds. I reported the transaction to PayPal immediately. I then received notifications that my ticket was closed and a ticket on the sender side was still open. I then received an automated response to reimburse the funds. I tried speaking to a human but PayPal never contacted me. Approximately 6 weeks later, I receive an alert that a {$15.00} dispute fee was charged to me. My balance upon checking was {$1100.00}, after an anticipated {$17.00} payment. After trying to contact PayPal again, my balance dropped to {$2.00}. I never withdrew any funds, but seems like I was penalized for being defrauded. PayPal 's refusal to explain the situation and profit off of possible scam victims is patently unethical.
Product: Checking or savings account

Dear Sirs : I wish to bring your kind attention to the enclosed documents for my safety deposit boxes at Wells Fargo XXXX location, XXXX. 

I have been your long term customer for last XXXX  years. You can verify on top of both the safety deposit Boxes agreement, XXXX XXXX Manager of Wells Fargo signed stating that the boxes are given to us for free for life so long as we have our accounts with the Bank. 
We went through different store Managers, at this location, XXXX XXXX, XXXX and other XXXX, who have been reversing the box fees. The fee was first charged and then removed as per the explanation given to us by all previous managers ( an arrangement required for the banks paperwork sake ). 

I have been in communication with Wells Fargo business line of communication executive office and I am not getting anywhere and there is no understanding after producing proof of free boxes by your Manager.

I would really appreciate your offices help and getting this issue fixed asap and we should not be charged for these two safety boxes so long we bank with Wells Fargo.

Awaiting to hear from your office soon. Please make sure that the charges levied towards the boxes have been removed and hereafter we do not have to encounter any further issue in future with the new store managers at this location.

We have been your customer and we would like to continue doing business with your bank unless we are forced to leave due to poor customers service. 

Appreciate your taking valuable time in going through the documents. 

Thanking you, XXXX XXXX
Product: Credit card

Have a revolving CC account with Chase. Recently paid all but a couple of hundred dollars against a very large balance ( on time ) and got hit with a huge interest fee charge because the whole balance payment was n't made. Interest should only apply to the unpaid balance. 
Previous Balance {$5200.00} Payment, Credits {$5000.00} paid XXXX Interest Charge {$50.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian : Credit Report # XXXX To whom it may concern I am trying to dispute the 5 months late payment indicated in FIVE parts of my attached credit report- and the funny part?? NONE of my accounts on any of my now 5 times pulled credit report with you in the past month show any late payments since XX/XX/2018!!!! See pages 28, 29, 30, 32, 34 of this credit report. WHERE ARE YOU COMING UP WITH THIS?? 

This a huge mistake on Experian 's fault and I've had nothing but problems. THIS IS A FORMAL COMPLAINT AND I AM ABOUT TO GET A LAWYER. DUE TO THIS I HAVEN'T BEEN ABLE TO GET AN APARTMENT TO LIVE IN AND LIVING AT MY PARENTS HOME. THIS FACTOR ABOVE IS 35 % OF MY CREDIT SCORE. 

XXXX Experian and XXXX  BOTH show my last late payment was up to date 2 years 3 months ago which is ACCURATE**** 2 Years 3 Months Time Since Most Recent Late Payment Your most recent late payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out 2 letters each on XX/XX/2022 through certified mail to Equifax, XXXX and XXXX to remove personal information that I do not want on my credit report. According to FCRA 15 U.S.C 1681 I have the right to privacy and according to 15 U.S.C 6802, no financial institution can share my personal information to third parties. I also did not give written permission for any company to furnish these items on my credit report. 

These are blatant violations of my federally protected consumer rights. 

Here are the individual tracking numbers : 1. XXXX Delivered XXXX XXXX 2. XXXX Delivered XXXX XXXX 3. XXXX Delivered XXXX XXXX 4. XXXX Delivered XXXX XXXX 5. XXXX Delivered XXXX XXXX 6. XXXX Delivered XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX XXXX - XXXX - {$7900.00} DEPT OF EDUCATIONXXXX - Date opened XX/XX/XXXX DEPT OF EDXXXX - Date opened XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX Balance - Date opened XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and identified several inaccuracies that violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Specifically : Disputed Accounts : There are multiple accounts, such as those from DEPT OF EDXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX  XXXX, that I do not recognize or believe are being inaccurately reported. According to FCRA Section 623 ( 15 U.S.C. 1681s-2 ), creditors must cease reporting disputed information unless they can verify its accuracy. I have demanded that these accounts be reinvestigated and removed if proof can not be provided. 

Potential Identity Theft : Some accounts, like those from XXXX XXXX and XXXX XXXX XXXX, appear to be fraudulent. Under 15 U.S.C. 1681c-2, credit reporting agencies must block information identified as resulting from identity theft within four business days of receiving documentation. Despite my request, these accounts remain on my report, which is a clear violation of the law. 

Failure to Reinvestigate : The FCRA, specifically 15 U.S.C. 1681i ( a ), requires that credit reporting agencies reinvestigate disputed items and remove unverifiable information within 30 days. These errors persist, and I have not received satisfactory validation or resolution. 

Deceptive Practices : Some accounts, such as those reported by XXXX XXXX and XXXX XXXX XXXX, involve potential violations of FDCPA Section 807 ( 15 U.S.C. 1692e ) for misleading representations about debts. 

These inaccuracies are damaging to my credit and my financial reputation. I am demanding that these errors be thoroughly investigated, unverifiable information removed, and my credit report updated. Additionally, I request notifications of corrections be sent to anyone who accessed my credit report in the past six months, as required by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report and on XX/XX/XXXX these accounts with amounts and balances XXXX XXXX  XXXX {$510.00} XXXX XXXX  {$510.00} XXXX XXXX XXXX ( XXXX XXXX {$530.00} not related to any transaction I have had. 
XXXX  XXXX ( collection ) {$540.00} not related to any transaction I have had. 
XXXX XXXX ( collection ) {$1000.00} not related to any transaction I have had. 
XXXX XXXX XXXX ( collection ) $ {$520.00} not related to any transaction I have had. 

Experian, XXXX and XXXX have reported as recent as XX/XX/XXXX
Product: Mortgage

I purchased a house in XXXX of XXXX, this mortgage has since been purchased by PNC bank. The issue is I've paid ahead on my mortgage, one of the primary reasons was to remove PMI from my loan. I called to understand how to go about getting this removed, the lender states I need to get an appraisal on my house that costs {$500.00}. In reading up on removing PMI, it appears that a lender is required to remove PMI at 78 % loan to value. I was notified by PNC that this is not the case, a disclosure I signed in the original loan states " ambiguously '' that this is date driven, and calculated at the time of origination. This means that I can wait until XXXX when they are required to remove PMI or I can pay them to have their " appraiser '' come out, and re appraise my house. At which time it will be removed. How is this legal?? This is a form of extortion and a primary reason the CFPB was created.
Product: Debt collection

Company agreed that if I paid my accounts in full they would remove them from my credit bureaus. It has been over a month and they are still reporting on all XXXX bureaus. I have called them several times and continue to get the run around and no one can help me.
Product: Bank account or service

At the Bank of America Branch located at XXXX XXXX XXXX, XXXX, MO XXXX where I have my personal checking account. One day XXXX XXXX XXXX a Loan Officer of Bank of America suggested that we should look into changing our Merchant Accounts to process our credit card transactions at our XXXX. XXXX XXXX XXXX introduced to XXXX XXXX XXXX Assistant Vice President of Bank of Amerca and he was excited to know that we have XXXX and XXXX have credit card transactions done by different companies, XXXX and XXXX. XXXX XXXX XXXX has promised to us that if we transfer the XXXX accounts to Bank of America, he would give us a very good deal ; in that they would pay us {$500.00} if we are not saving money using Bank of America Merchant Services for our XXXX. 

XXXX XXXX XXXX has promised us that : 1. Bank of America would insure that the credit card readers for XXXX were going to be in compliance, as of this writing of this letter, nothing has been done to the equipment to bring them up to compliance. 
2. Bank of America will pay {$500.00} if they can not save us money. As of today, we see no lower fees from Bank of America compared to XXXX and XXXX XXXX XXXX XXXX. 
3. XXXX XXXX XXXX has promised us that he would make sure that Bank of America pays our termination fees for both companies XXXX XXXX XXXX and XXXX XXXX XXXX to come over to Bank of America Merchant Services for XXXX accounts. XXXX charges us XXXX XXXX dollars ( {$300.00} ) termination fee and XXXX charges us XXXX dollars ( {$390.00} ) termination fee. As of this writing XXXX XXXX XXXX said that he has submitted request for Bank of America to pay us the termination fees XXXX times ( XXXX ) and as of this day writing this letter, we have not received any reimbursement for the termination fees from Bank of America. 

We would like to settle this by having Bank of America pay us XXXX XXXX and XXXX dollars ( {$690.00} ) for the reimbursement of the termination fees from the other XXXX XXXX XXXX XXXX XXXX and XXXX.
Product: Student loan

they garnished my bank account and put a levy on it, which caused me to bounce my checking account and put me in debt. No one ever contacted me about this garnishment they just took XXXX from my checking account
Product: Credit reporting, credit repair services, or other personal consumer reports

I Reached out to the company and sent out a cease and XXXX letter months ago and did not get any information back. I just want this Stuff off of my Credit Because it is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

We mailed a R.E.S.P.A. qualified written request for information per 12 USC and 15 USC in relation to a purported position as a debt collector for a mortgage debt. NewRez XXXX Shell Point Mortgage have not provided the information as required by law. This letter was mailed certified mail on XXXX to which NewRez had 30 days to respond with information. It is XXXX ( roughly 80 days ) later and we have not received information. NewRez is legally required to provide this info per Dodd Frank Act, 12 USC, 15 USC
Product: Vehicle loan or lease

On XX/XX/2018 American Honda Finance have an open loan in my name which I never apply for and never Finance any car with them. American Honda Finance has a balance amount of {$9400.00} account XXXX under my name which is Fraudulent. I have submitted FTC report and Police report to Creditor and XXXX already. I have submitted fraud affidavit to American Honda Finance and Creditor bureaus to report the Fraudulent account. I request that American Honda Finance provide me with the credit application and Identification that was provided at the Dealership where the vehicle was purchased. American Honda Finance refuse to provide that documentation. Instead they provide me with my Fraud affidavit that I have submitted to them to report the Fraudulent account. American Honda stole my information from the report fraud affidavit that I submitted so they can my my information with the credit bureaus so it can show a validation in the credit bureaus eyes and CFPB eyes that the account is valid. I NEVER NEVER OWN OR HAVE A HONDA VEHICLE. NEVER PURCHASED OR FINANCE ANY VEHICLE THROUGH HONDA FINANCE. I NEED AMERICAN HONDA FINANCE TO PROVIDE ME WITH ALL PAPERWORK I SIGNED OR ALL APPLICATION I SIGN AT THE DEALERSHIP THAT THE CAR WAS FINANCE FROM. I DONT NEED AMERICAN HONDA FINANCE TO SEND ME MY REPORT FRAUD AFFIDAVIT THAT I SUBMITTED TO THEM SO THAT I CAN REPORT THE FRAUD. I BELIEVE AMERICAN HONDA FINANCE REFUSE TO PROVIDE THE CREDIT APPLICATION THAT WAS SIGN DATE OF PURCHASE OR ALL APPLICATION THAT WAS XXXX THAT DAY BECAUSE THEY STOLE MY IDENTY AND MY INFORMATION TO MATCH IT WITH CREDIT BUREAUS. I AM ASKING CREDIT BUREAUS AND CFPB TO REVIEW THE CREDIT APPLICATION THAT WAS SUBMITTED AT TIME OF PURCHASE FROM THE DEALERSHIP THOROUGHLY WITH THE INFORMATION AMERICAN HONDA FINANCE WILL PROVIDE FROM THE DEALERSHIP NOT MY REPORT FRAUD AFFIDAVIT. IF NO APPLICATION FROM DEALERSHIP OR CREDIT APPLICATION FROM DEALERSHIP CAN'T BE PROVIDED. I AM ASKING FOR THIS ACCOUNT TO BE REMOVE OR DELETE FROM MY NAME DUE TO FRAUD.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx, XXXX DOB : XX/XX/XXXX XXXX Transunion XXXX XXXX XXXX, XXXX, PA XXXX. 


Hello I recently received a response to a dispute case number XXXX ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. It saddened me to learn that you somehow verified the disputed item, electing to leave it on my credit report I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this investigation. 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. Therefore, I request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter.

I expect to receive a response within 5 days of receipt of this letter, or I will expect to see the item in question immediately removed from my credit report. I will be reporting to CFPD of unlawfulness upon your un pardon disclosure and will be sued for further action that Im not satisfied with other then getting this off my report Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible.
Product: Checking or savings account

On XX/XX/2023 I had a posted balance in my account of {$220.00}. I had a refund come in for {$12.00} then transactions out for {$85.00} {$16.00} {$120.00} and {$0.00}. I should have had an available balance of {$15.00}. However my statement shows I have a negative balance of {$56.00} and was charged {$36.00} over draft fees on the {$120.00} and the XXXX transactions even though my account should of had a balance of {$15.00}. Then on XX/XX/XXXX I had a transaction come out that was a mistake of {$17.00} I contacted the company that charged my account they immediately issued a refund for the {$17.00}. But I was still charged a {$36.00} overdraft fee. When I called the bank they made me cancel my old card but did not bother to tell me it cost {$30.00} to have a new one sent out express ( that took 6 days ). They gave me a refund for the {$30.00} on XX/XX/XXXX. Then on XX/XX/XXXX I was charged a {$36.00} overdraft fee even though there was no other transaction. Taking my total overdraft balance to {$120.00} This is my business bank account and everyday that I am unable to use it because of this is costing me a lot of money because I can not order parts for my customers pay my bills or anything that involves needing to use my bank account. I went to my local branch an the branch manager acted like she could care less and would not help fix the problem. I desperately need my account it is hard enough running a XXXX XXXX XXXX without have my account held at ransom over a mistake on there end.