23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I obtained a Balance Transfer from Discover Card. I paid 3 % for the balance transfer of {$12000.00}, which totaled {$12000.00}. 

The next month, Discover, debited my checking account for the entire {$12000.00}. When I called to explain that the payment was to be limited to {$750.00}, I was advised that the system had submitted an aoutomatic payment for the full amount. 

I explained that I had an outstanding check for {$15000.00}, but I was advised nothing could be done to return the money. Instead, I was advised that it would take at least a week to return the money. When I asked for my {$360.00} Balance Transfer fee to be returned, I was advised that this would not be possible.
Product: Checking or savings account

I never won a dispute even though I had proof to fraudulent use. Atm fees were charged twice. I was also charge atm fee to atm within the network. Overdraft fees even though I was given XXXX  hours to make my account positive
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit reporting agencies are required to remove any item listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXXXXXX Balance Owed : {$5.00} ; XXXXM XXXX XXXXXXXX Balance Owed : {$420.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$15.00} ; XXXX XXXX XXXX Balnace : {$0.00} ; XXXX XXXX XXXX XXXXBalance : {$0.00} ; XXXX XXXX XXXX XXXX Balance {$570.00} ; XXXX XXXX XXXXXXXX Balance : {$4800.00} ; XXXX XXXX  XXXX Balance : {$70.00} ; XXXX XXXX Balance : {$160.00} ; XXXX XXXX  XXXX Balance : {$660.00} ; XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX Balance : {$570.00} ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XXXX, XXXX ; XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired onXXXX XXXX, XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTINGAGENCIES shall block any information in the file of a consumer that the consumer identifies asinformation that resulted from alleged identity theft, not later than 4 business days after the date ofreceipt.
Product: Mortgage

This is with respect to my experience with Bank of America, XXXX, NJ Branch. I contacted them for a pre qualification of a mortgage loan before I can put an offer on a house I was interested in buying. I made it very clear to them that this is just pre-qualification and asked them if doing it will have any impact on my credit report, and if it did then I do n't want to proceed with them. They made it very clear that this will only be a soft check and it will in no way affect my credit history/report. I went ahead with the pre-qualification with them based on this assurance. However to my surprise my credit history was affected as they run a hard check on my SSN. When I contacted them asking for explanation, the person said she was not aware of it and said she was sorry, but said there was no way to fix it. This happened on XXXX/XXXX/2015. I even complained to the BOA redressal cell, but never got a response back from them. They never resolved this issue and I reached out to a person who asked me to call him for resolving the issue and he never got back to me nor to my message.
Product: Debt collection

I told applied bank I was going through a financial hardship with covid and I'm homeless. They sent it to collections and the depth collector threatened to sue me and texted repeatedly I will attach them.
Product: Mortgage

the lender was sent our QWR on XXXX/XXXX/16 which has never been responded to by the lender - the lender is in violation of the clients right to counsel and our right as counsel to obtain the needed info to properly assist this client in obtaining assistance with the lender
Product: Credit card

From XX/XX/XXXX to XX/XX/XXXX, I have been a loyal consumer of the Bank of America credit line associated with Spirit Airlines. Throughout these six-plus years, I have consistently made timely payments. However, XXXX in XXXX of XXXX, I experienced a Family and Medical Leave Act ( XXXX ) leave of absence due to mental health issues, which resulted in a late payment for that month. This delay was primarily due to the need to cover medical bills. I returned to work after XXXX XXXX in XXXX and I had to ensure I got myself back to work timely. 

As soon as I realized the payment was overdue, I promptly paid {$100.00} on XX/XX/XXXX, although the payment was originally due on XX/XX/XXXX. I was unaware of the past-due mark on my credit report until I recently reviewed it. Upon discovering this, I immediately contacted the creditor to request a waiver of the late fees and the negative reporting, given my history of timely payments since XX/XX/XXXX and my commitment to maintaining on-time payments from XX/XX/XXXX onward. 

Many credit card issuers are willing to forgive a late fee and remove negative reporting for customers who have a strong history of timely payments. I hope you will consider my request favorably.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Money transfer, virtual currency, or money service

Can't use venmo can't add a new card
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries that's reporting on my credit files are fraudulent inquiries and I'm demanding that they are removed. I do not have any knowledge of these unauthorized dark web fraudulent made inquiries. 

1. XXXX ( XXXX ) 2. XXXX XXXX ( XXXX ) 3. XXXX XXXX  XXXX XXXX ( XXXX ) 4. XXXX XXXX XXXX ( XXXX ) 5. XXXX XXXX ( XXXX ) 6. XXXX XXXX XXXX XXXX XXXX ) 7. XXXX XXXX  ( XXXX )
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX  Account Number : XXXX Inquiries : XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX 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 or other personal consumer reports

I sent a letter to Midland Credit Letting them know that I have no knowledge of the account they say I owe them. I requested the 1. Original contract with the wet signature 2. Name 3. Address 4. Phone number 5. Proof of ownership of debt and their right to collect on it 6. Breakdown of the billing and payment history as of now, I haven't received any documentation.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX- Account # XXXX Experian account # XXXX From XXXX XXXX, 2015 I have written over XXXX letters to the credit company stating that this company XXXX is reporting in accurate information on my credit report and ask servals time for the company to please submit validation that the reporting item belongs to me and they have failed to do so. I have also received a letter on XXXX XXXX where the company clearly states that the account is places on hold status and they are no collecting a debt. If this is the situation where they ca n't validate the information why is the creditors continue to report these items illegally on my credit report. I 've also written letters disputing the XXXX account and this item is also reporting illegally on my account. The other credit bureaus was able to remove the inaccurate information reporting against me but Experain have failed to do so. I am beyond frustrated because I ca n't do the things I would like to do because of this inaccurate information. Please help
Product: Credit card

On XXXX/XXXX/17 I was notified by my XXXX carrier, Capital One Bank, of {$4000.00} in fradulent charges to the XXXX online store. My XXXX had been hacked and my identity was used to make the purchases. The hackers were able to change my password, lock me out of my XXXX, manipulate my e-mails, remotely print out a gift card from my XXXX and foward my telephone calls to a bogus cellphone number in order to keep me from discovering the hack. In investigating how this could occur, I discovered that XXXX enters into surreptitious ( probably financial ) agreements with certain vendors to provide them with updated credit card numbers without the knowledge or consent of the cardholder ( also true apparently of XXXX and others ). They call it the " XXXX account updater ''. That process is what allowed the fraud to occur, as XXXX did not have an active card on file for me. The charges should have been denied, and that would have immediately ended the fraud attempt. XXXX told me on the phone that I could " opt out '' with the issuer ( Capital One ). Capital One said it was XXXX responsibility. In a three way phone call that I initiated that included myself, XXXX and Capital One, they just argued about who had responsibility. The Capital One rep denied even knowing about the updater procedure, and actually said at one point that someone at Capital One that neither I nor he " would ever be able to talk to '' may have entered into such an agreement. Neither would reveal the opt out procedure to me. It seems to me that these behind the scenes deals made without the consumer 's knowledge should be outlawed. At the least, we should be able to " opt in '' if we view this as a personal convenience ( beyond the huge convenience that it obviously provides for the vendors ), and at the very least there should be a clear and easy way to " opt out ''. For the consumer, who is at risk of monetary loss as well as massive inconvenience, to be excluded from the decisionmaking process regarding the release of his personal information is completely outrageous. 
I filed a complaint with my state 's Attorney General 's Office Of Consumer Protection, and they advised me that your department has oversight on these matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

Issue is with Experian credit reporting Experian 's report was the cause of a declination/loss.

Their website is very deceptive and misleading. They purposely bait consumers into enrolling in a program which eventually results in a fee. 
It is very hard to find the actual link to obtain my credit report after they were the reason for the declination. 

Furthermore, they have unreasonable requests that creates an undue burden on the consumer. Other reporting agencies do not have these issues and have very clear and concise pathways to get a free credit report with out enrolling in their subscription. 

Experian, through misleading offers, almost forces you to enroll without a clear disclosure. 

I find their processes, very burdensome almost to the effect that its not worth wasting my time with them, and i'm sure that is what many consumers are left with - unreasonable demands and web offers that tire them out from reaching their goal - to simply review their report and score. 

This organization is purposely misleading the public and needs to be addressed through penalties, etc.
Product: Credit card or prepaid card

I was recenty approved for the XXXX XXXX Platinum card at a XXXX credit limit. I called in to customer service on XXXX/XXXX/XXXX and spoke with 2 supervisors in the customer care deprtment. The first supervisor advised me to call XXXX directly because they are the ones that push the update to her end. XXXX stated they are only a payment processor which makes sense as all my previous XXXX XXXX upgrades with other banks had discretion. The next supervisor said the option had to appear under offers on the account. So I know typically all thats required of a XXXX XXXX is a XXXX  credit limit, I am well above it and would just like to go ahead and upgrade my card to the XXXX XXXX XXXX  since all requirements have been met and I know for a FACT barclays is sending out the signature version, because someone I know just received their card today.
Product: Debt collection

I personally went to the credit bureau and explained to them any medical Bill 's I've had I was fully 100 % covered I had Medicare Medicaid and an insurance. I was never sent a bill for this. I talked to accountant XXXX XXXX XXXX XXXX is her number. She informed me that these Bill 's are old. She in formed me that all I really owe is something like {$23.00}. On one of the Bill 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding the following : XXXX XXXX XXXX XXXX XXXX TAX ID is XXXX I have made multiple calls and request since XXXX of 2018, and each time I've been told by a XXXX XXXX CSR that they will send me a report but yet to receive it. 

This is an ongoing issue with XXXX XXXX and they have don't respond or ignoring my request. Federal Law requires that they should provide mechanisms to ensure that each item in our report actually belong to us. In addition, we have provided them with additional documents and information shows differently. Therefore if the reported items are inaccurate, misleading or incomplete ; XXXX XXXX may have violated the Federal Law. 

Also, I requested this investigation on XX/XX/2018 and now it is almost 6 months with no concern or proper respond. Please investigate this inaccuracies and delete the incorrect reporting from my company 's record.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXXXXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXXXXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX, XXXX XXXX on XX/XX/XXXX.
Product: Checking or savings account

I am writing to file a complaint against the Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. this issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Student loan

I XXXX my husband and then. my daughter got incredibly ill- during that time my student loans got sold to what I believe is a XXXX  subsidiary. I asked my lender to adjust my payment amounts - I was not working full time nor much at all as I was at hospital with my family - I offered documentation and was told that if I did not pay the amount ( over $ 1000/month ) I would default. I explained that my income had dropped substantially and that I worked in public health - so already was not really making much money - and offered to pay several hundred dollars a month as a good faith payment. They refused. I finally took a forebearance - they told me there was not other option. I understood that this would interrupt making 120 payments in a row but had no other option. I was told the forebearance - and interest accrued -would cover the missed payments in XX/XX/XXXX- yet they still appear on my credit report as red marks. Similarly- I tried again to get a smaller payment per month in XX/XX/XXXX -  was told it was not possible - got another forebearance and this time there was an error in the report- but the loan company never told me that nor responded to my many inquiries about the status of that forebearance ( again a late mark on my credit report for a month I am now being charged interest on ). I just found out that as someone working in public health and also as someone who wanted to pay her loan a lesser amount- my lender and its servicer where required to work with me - I believe they had me take the most expensive and the option that profited them the most- rather than helping me pay my loan at a lesser monthly amount while I was undergoing incredible duress ( again - all documented medical, lowered income, paper trail on the communication with the loan people )
Product: Credit card or prepaid card

On XX/XX/XXXX I placed a charge with XXXX ; a company overseas for soccer tickets. I never received the tickets and missed the match. Nevertheless they overcharged my credit card for {$390.00} for a {$10.00} ticket. I tried disputing the charge since it happened but I have not been receiving any support or feedback from my credit card company. I have stayed on hold for multiple attempts with each attempt being over XXXX hours before hanging up. I seek reimbursement for the full amount under the consumer protection act. Any help in this matter would be appreciated.
Product: Debt collection

While they did not state I was committing a crime, that was the most appropriate selection I was given. 

One Main Financial, XXXX XXXX XXXX XXXX, XXXX, Il has, on multiple occasions, stated that they will report my and others late payments at the end of the month, even when they are far under 30 days late. They use this as a scare tactic, stating that payment after the end of month will affect your credit. 

The latest incident occurred with XXXX on XX/XX/22. I informed her of the FCRA rules, and that the credit bureaus only report 30, 60, or 90+ lates ( as you can see next to every credit item or confirm with each bureau ). She stated it doesn't matter how many days, at the end of the month it affects your credit. When I informed her of this again, and asked her to look at the appropriate late boxes on a credit report, she chuckled and said she doesn't know because she doesn't make late payments. 

This is not the first time this has been said, nor the first employee from this location to say it. It appears to be a company policy, using it to scare customers into compliance. While there is no harm in saying they report lates at the end of the month ( as most companies do ), there is harm in telling customers incorrectly that it will hurt their credit even if they are less than 30 days late. This particular instance is a 15 day late they are threatening to report. 

While most interactions with them have been pleasant and helpful, this policy of teaching their employees incorrect information to scare customers is unacceptable. I want to emphasize I am not reporting against the employees, but the company whose policy they've been taught and told is truth. The employee is just doing her job ( other than the snarky comments... ).
Product: Debt collection

I have received a threatening email from someone who works with Convergent that bought the debt that I accumulated from XXXX. They're threatening me with wage garnishments and in the email it says " Arrest warrant and garnishment notice. '' I attached screenshots from my laptop since it was a letter.
Product: Credit card

I contacted Sears to increase my credit limit for me to buy one of their product I was denied such increase then received a letter from the company explaining the reason which was XXXX unsatisfactory credit and/or derogatory public record references ) I called the company XXXX/XXXX/2015 for more explanation since I was positive that I have no public derogatory on my credit account the customer service was not sure then confirmed that there is nothing on my credit history