23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 2nd time, in about two ( 2 ) weeks that I've had to file a complaint. I had requested through Transunion ( plenty of times ), to remove all disputed information, language from my credit report. Finally it was done, and then to my surprise, the language was placed right back on! What is even more surprising, is that the CFPB closed the case, and then right after, Transunion stated that I had 2 accounts in dispute, after I asked plenty of times through the CFPB and Transunion to remove the information. Can anybody help me? Is the CFPB going to step in and tell Transunion that I no longer want to dispute anything on my credit report? I'm really starting to lose faith in this process. Also, I've noticed that XXXX/XXXX continues to report that the account is in dispute, after I stated time and time again it wasn't.
Product: Debt collection

I just need the excessive phone calls to stop, they are XXXX me to the point of feelings of worthlessness and thoughts of XXXX as the only solution.
Product: Checking or savings account

Wells Fargo processes the authorization attempt for ACH transactions but purposefully does not hold the funds or show the ACH transaction on their online banking transaction logs. This ends up overdrafting numerous accounts. 
As a former Online banking Phone banker, I tried to inform them numerous times that this seemed to be a UDAAP violation because the bank processes the request and it shows on internal records days before it gets processed and shows as a transaction on the online logs the customer can see. The managers at the bank simply dismissed the concerns, stating that I should just advise callers to keep a written record on their own to avoid fees because the online banking was just a tool and not an actual transaction log. 
This is maliciously deceptive as it leads to regular and numerous overdrafts for any customer relying on the online banking to track spending in their daily lives. Furthermore, debit card transactions show as " pending '' once the authorization request is sent to the bank until the final authorization is submitted to the bank abd finalized. This same system could easily be implemented to reflect a " pending '' ach transaction until it's finalized and approved to prevent millions of overdraft charges ( since the date is what the bank uses to determine if they will charge an OD fee and is usually retroactive ) that could easily be prevented if the banks were genuinely concerned about helping their customers like they claimed, instead of nickel and diming customers for the sake of adding millions to their bottom line. 
Internal responses make me firmly believe this behavior is deliberate and purposeful and disproportionately effects people who can not afford the predatory fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.
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 XXXX5 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XX/XX/2020 received text from credit card company asking if I had authorized a purchase for {$110.00}. I told them that I had not. Payment was declined and credit card company issued a new credit card. 

XX/XX/2020 received letter from collection agency alleging a debt of {$110.00}. 

Upon further investigation I believe this scam started when I answered a survey online and was to receive a free gift of my choosing from several offered. I chose one but I had to pay {$6.00} for freight which I put on my credit card. The company that billed my credit card was " & XXXX XXXX- XXXX XXXX CA. I did eventually receive that gift. 

The same day I confirmed freight payment for {$6.00} my credit card company was requested to pay from my credit card {$110.00} by a company named " Try XXXX XXXX '' which was denied because I never ordered or authorized anything for {$110.00}. The credit card company flagged this purchase and texted me for confirmation.
Product: Mortgage

I have been attempting to pay my mortgage since XX/XX/XXXX. My loan is with Loancare/XXXX XXXX XXXX After being unable to log into their website for over a week, I finally googled, and learned thru other avenues that there had been a cyber security attack with Loancare. I was never notified of this by the lender, I learned it via XXXX. I have been daily trying to log in to make the payment, and the website is still down. I have called Loancare, and there is only a recording that says " agents do not have access to your account right now ''. There is no option to make the payment. If I had been notified timely by the mortgage company, I could have mailed the payment in time. At this point. I will be unable to make my XXXX payment, as tomorrow is XX/XX/XXXX, and there is still no update on the cyber hack. I do not want to be reported negatively as being 30 days behind, as this is not something I could have prevented. I feel the company was negligent in not calling or emailing mortgagors. I'm also concerned that there is a class action lawsuit against them from XXXX of XXXX, and that they are not taking the necessary precautions to prevent this.
Product: Credit card

I have two accounts with Capital One Credit. I have had these accounts for years. I started keeping a debit and credit register on my accounts in the same manner that I keep a bank account register. In the last month the totals on my charges by the company were {$150.00} dollars more than the total calculated charges. I track interest and my payments. This account is used for many small online purchases as well as several monthly recurring charges. With the balance being {$150.00} more than I expected I decided to close my account. I had made a purchase on XX/XX/2023 through XXXX for {$66.00}. The payment had cleared by XX/XX/XXXX, I mark in my register when the payments clear. On Saturday XX/XX/2023 I was very certain of the over charge situation. I spent all day eliminating the Capital One Walmart Card from all my associated accounts. So last night I paid off the entire listed amount of {$1400.00}. I phoned Capital One to close the account. Suddenly the {$66.00} was treated by the person on the other end of the line as a new, and as yet uncalculated in the total, charge. I had to pay an additional {$66.00} to bring the balance to zero. I printed out the register at XXXXXXXX XXXX and it shows the charge in the registery. I printed out the charges again at XXXX XXXX and the XXXX charge has miraculously evaporated. I contact customer service at which point they tell me their system is 'updating '. The XXXX charge that went through ( check with XXXX ) on the XXXX of XXXX is still missing. I tell the customer support person that I have the print out showing the charge was previously on there, suddenly it appears back on the registery. There needs to be financial forensic analysis of all US accounts handled by XXXX. This stealing has become a school of education for their citizens and needs to be stopped. Best of luck.
Product: Credit reporting

This card was lost, so they said they would have to do a cancel on it, and replace it ; and just the last 4 digits on the card would be different. This is not a reportable item. What else can a company do when a credit card is lost? So, should the company not have reported it as closed? This should not reflect in any way as something bad on my credit report. Who does n't lose one of their cards now and then? That has nothing to do with my credit worthiness. Please take this off, as the card was immediately re-issued. Thank you.
Product: Credit reporting or other personal consumer reports

After further review of my credit report I notice, Navy Federal is reporting a late fee on my report from XXXX during the pandemic. I have exception payment history with Navy federal credit union so to see a late payment being reported is heart breaking. I am asking in good faith for this late payment to be reversed due to the payment being sent in a timely manner. I have contacted Navy Federal customer service, and they advised it was nothing can be done, although XXXX was a difficult time for the entire world. I will hate to think a company like Navy Federal doesn't care what their clients were going through during a pandemic. I have had this account since XXXX and as of today XX/XX/XXXX, There is only 1 late payment being reported which is negatively impacting my credit report.

15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date.

2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer!
Product: Checking or savings account

I received multiple transactions on my debit card that I did not authorize. I had lost my wallet and the transactions were not mine. When I filed a dispute with Sofi they denied my request and did not provide reasons why. When I call and try to explain the situation nobody on the phone can provide me answers. 

The transactions were from XXXX for over $ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this complaint to inform you that I was a victim of Identity Theft. I have recently checked my credit report and I noticed some personal information that does not belong to me. I am in need of your help in getting rid of these items from reporting on my file. Per FCRA section 605b, the credit bureau deletes any ITEMS listed in an identity theft report. I have included some documents to help in the blocking of the fraudulent items that are found on my report. 
XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX ; XXXX  XXXX XXXX ; XXXX Date of inquiry XX/XX/2021 ; XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

I have opened disputes with XXXX, XXXX and Transunion. I have informed all 3 that my Student Loan balance is XXXX ( XXXX ) dollars, paid in full, closed account with no payments due. They all continue to report a balance of {$180000.00} which is incorrect, the balance is XXXX. 
All dispute information was shared in XXXX of XXXX. 
I submitted paperwork from my lender/creditor ( XXXX ) to all 3 credit reporting agencies showing the loans as paid in full.
Product: Mortgage

I had a high interest predatory loan of XXXX % with CitiMortage for over 10 year and always ( 100 % of the time ) paid my payments on time with on line bill payments through my bank. During the end of my mortgage with CitiMortage, the payment amount went up with warning and I was not notified, but still paid the original payments amount each month. I called CitiMortage, they stated because of my excellent payment record and administrative error, CitiMortage would correct my credit report to reflect all my payments were made on time. However, CitiMortage is still reporting I was late from XXXX to XXXX of 2018s out of my entire 10 year loan cycle. 

After being being scammed in the high credit loan, now XXXX is prevent me from getting a lower interest rate becuase they are reporting inaccurate information to the credit bureaus. Please assist me with this. Trying hard to pay day to day expenses. This is making it very hard.
Product: Debt collection

I received a collection letter dated XX/XX/XXXX from ROI regarding a bill for XXXX from XXXX XXXX XXXX XXXX. as I am a patient there. This bill was in dispute when it was still at XXXX XXXX as my second insurance was not billed yet and have been trying to get this resolved. I sent out a letter on XX/XX/XXXX to cease and desist all collection activity under my legal rights within 30 days to notify of any disputes and sent it out certified mail and they signed for it on XX/XX/XXXX signature included. I had asked for validation of debt from ROI in my request to validate. Then on XXXX  XXXX they sent me ANOTHER collection letter and had not sent any of the validation of debt I had requested per the law so therefore they are in violation of the FDCPA. I then sent another certified letter stating I was obtaining legal counsel and seeking damages. I didnt hear from them until XX/XX/XXXX with two more new charges totaling the same amount as the original amount. 

They are deceptive in their practices.
Product: Credit card or prepaid card

XXXX I was invited to apply for a credit card with the promotional offer of XXXX points and {$200.00} statement credit if I spent {$500.00} in first month. I applied and was approved. 
XXXX I received a promotional email inviting me to apply for the same card I was just approved for. The promotional offer is spend {$5000.00} within first 3 months and receive XXXX points AND companion pass. 
XXXX I called to see if there was any way I could get the better offer. I was told that I could and to allow 1-2 statement cycles for the promotional change to take place. 
XXXX I call to check the status of the promotional change. I was told that the order wasnt submitted previously because I hadnt met the {$5000.00} spending requirement when I called initially ( I dont think that should have mattered since the offer said the spending needed to be completed within 3 months ). The rep submitted my request and told me to expect a letter in the coming weeks. 
XXXX I review a letter from Chase dated XX/XX/22 stating that my account isnt eligible for the offer. I called to see if someone could make this right. Everyone just told me Im not eligible. I was eligible to be approved for the card. I was eligible to receive the promotional email for the better offer. I have already met the spending eligibility requirements for the better offer. If there is another eligibility requirement. That has not been communicated to me and I believe that is a UDAAP violation.
Product: Money transfer, virtual currency, or money service

My account is with Bank of America. On XX/XX/, I received a wire transfer from a colleague of mine for {$100000.00}. For the next 3 days I was able to receive money from my account without any problem. On the morning of XX/XX/ I went into the XXXX XXXX and withdrew money from the account with no problem but that afternoon I went in to the XXXX branch to withdraw a far lesser amount and I was told that I could not get my money and to call a number. I called the number and I was told that my account was under review. Upon hearing this I was outraged but inspire of my protest and pleas for an explaination I was only told that they had the contractual right to hold my money for 3-5 days. It is now day 8 and BofA still has my money. They never provided for warning an explaination or a call. In spite of my continued efforts to call them, speaking to worthless supervisors, I have simply been told my account is under review. I was told by one of their staff to go to the remitting bank which I did on XX/XX/ and I had them call the bank and send emails for 2 hours along with the gentleman who wired the money. In spite of that and having BofA speak to the man who wired the money they have yet to release my funds. They have damaged my credit and credibility due to creditors and bills that can not be paid. I had planned an outing with my family but I could not due to the fact that I could not access my money. I want my money released immediately and the process changed.
Product: Debt collection

I received a letter from the agency on XX/XX/XXXX stating that my physician had sent a debt for a medical bill to them. I immediately disputed this debt in writing, since the bill in question had been paid. I am continuing to receive bills from the collections agency after disputing the debt.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$650.00} XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$24000.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$43000.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 contacted the companys of each inquiry 1 by 1 over the phone asking the company to provide documentation showing i authorized the inquiry or a signed credit application or consent form If they can not provide proof, they must remove. And I didnt not get a clear answer they kept dogging the questions and everything I asked them they did not answer and they could not provide any documentation or evidence linked to the inquiries on my credit report and this might sound crazy a little but when I mentioned code 15 U.S.C. 1666b I got hung up on and and some companies would go quiet then the phone would get disconnected. So I tried to dispute with all XXXX credit bureaus and they couldnt help so I was left with no choice but to Contact you hoping you can help me. XXXX bless you XXXX loves you!
Product: Checking or savings account

On XX/XX/XXXX I had a small business loan deposited into my checking account at Capital One 360. I have been a member with a XXXX account and credit cards for more then 3 years. I transferred funds into a XXXX account that I control and suddenly my account is flagged for XXXX. I was told that sole proprietors do not need a business account for XXXX loans. After the funds were placed on hold I received no phone calls, mail or emails from Capital One 360. When I call in myself Im told its under investigation and I just have to wait, its been over 35 days. I have called in multiple times to fraud and no one gives me a straight answer. I cant find any information about how to get my money released. I called XXXX and was told they can not recall a loan, that it has to be sent back even though the XXXX department insisted on it. I am going to loss my business, I havent paid my rent, my electric or anything for months because I had to wait 5 months before they distributed anything. I attempted to open a business bank account only to find out I was denied and they closed my credit cards for no reason. Please tell me whats going? How are banks allowed to hold money sent from the government. Can someone please help me before I lose my home and my businesss? 
Thank you, XXXX XXXX
Product: Credit card or prepaid card

I applied for a XXXX XXXX credit card, issued by XXXX XXXX XXXX XXXX XXXX ( and XXXX XXXX ), due to false advertising that promised a 20 % savings for purchase upon application. Once I had applied, I was informed online that the savings would not apply to the immediate purchase. I have attempted to contact the company and XXXX XXXX by phone, using the number given to me by XXXX XXXX and was kept on hold 29 minutes before I had to end the call. This seems like an effort on the part of XXXX XXXX and XXXX XXXX to lure customers into credit card applications, then stymie their efforts to cancel their applications once they realize they have been tricked into applicatoin.
Product: Credit card

I filed a claim with Navy federal fir unauthorized charges on my account around XXXX XXXX XXXX weeks later XXXXXXXX XXXX my account was adjusted and all were refilled to my account. There were around XXXX unauthorized charges on my account and I dont believe Na y federal did a fair or proper investigation into the fraud charges. I never received any type of call or notice from a investigator or anyone they just reviled my account for all charges and did not properly investigate it.
Product: Credit reporting

Equifax credit report XX/XX/XXXX : they have not deleted fraudulent soft inquiries for XXXX done XX/XX/XXXX for fraudulent credit card application, and for XXXX done XX/XX/XXXX that resulted in an actual account being opened in another state that was fraud. I want these soft inquiries deleted from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

These items have already been removed for the credit bureaus but have came back on my report. I have submitted the things are not mines and they have already been deleted from your reports last year. Please remove these items listed on my attached documents