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

Union bank charged me around {$120.00} worth of over overdraft fees. They charge two separate fees for the same overdraft. {$33.00} plus {$6.00}. All due to the monthly charge they billed me for ( {$10.00} ) because I was on XXXX and not receiving regular direct deposits from my job ( which I was not informed I would be charged the fee and I have had my account since 2016 and went through periods without direct deposit and never had to pay before ). One {$25.00} payment ( which I was depositing the money until I saw I was negative {$10.00} that night and could not speak with a representative until the morning ) and a {$10.00} monthly fee, cost me around {$120.00}. They submitted this payment 3 times. I think this place is the greatest public agency established to date. I actually wrote a letter to Mr. XXXX about XXXX XXXX doing this when the CFPB got started. Shortly thereafter, his team ( all of you, thank you for your service ) investigated and XXXX XXXX wound up in big trouble. What Union Bank is doing is wrong and they should be punished just like the other financial institutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is showing on all three credit bureaus that I made late payments in this account that I didnt. I want the account to be fixed and show that all payments were made on time on all three credit bureaus immediately.
Product: Debt collection

The company has contacted me for a debt and have called me 4 times within 3 days. This period was also during a 1 week period. 

The company they are working for also made no contact with me regarding the amount owed and without my knowledge sent me to a debt collector They called me on the following dates XX/XX/19 x 1 phone call XX/XX/19 x 2 phone calls XX/XX/19 x 1 phone call
Product: Credit reporting, credit repair services, or other personal consumer reports

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The XXXX  are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX, XXXX 's Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX  XXXX XXXX  Account XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1666B A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX : {$260.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX : XXXX  XXXX Bankruptcy, Experian : XXXX  XXXX Bankruptcy, XXXX : XXXX  XXXX Bankruptcy, XXXX : XXXX, Experian : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX : XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Experian : XXXX, XXXX, XXXX XXXX XXXX, XXXX : XXXX, Experian : XXXX XXXX XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX : XXXX, XXXX : XXXX, XXXX, Experian : XXXX, XXXX : XXXX, XXXX, XXXX XXXX XXXX : XXXX, XXXX, XXXX, XXXX XXXX XXXX : XXXX, XXXX : XXXX, XXXX, XXXX, XXXX, Experian : XXXX, XXXX XXXX XXXX, XXXX : XXXX, Experian : XXXX XXXX XXXX, XXXX, Experian : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX, XXXX XXXX XXXX, XXXX : XXXX, XXXX, XXXX XXXX XXXX, Experian : XXXX, XXXX : XXXX XXXX XXXX : XXXX, Experian : XXXX, XXXX : XXXX, XXXX : XXXX, Experian : XXXX XXXX XXXX : XXXX, XXXX : XXXX, Experian XXXX XXXX, XXXX : XXXX, XXXX, XXXX, XXXX : XXXX, XXXX : XXXX, Experian XXXX XXXX, XXXX : XXXX, XXXX : XXXX, Experian : XXXX, XXXX : XXXX, XXXX : XXXX, Experian : XXXX, XXXX : XXXX XXXX XXXX : XXXX, Experian : XXXX, XXXX : XXXX According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2, they are supposed not to 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.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have a lit of inquires that i have no idea where they came from and they were not me
Product: Payday loan, title loan, personal loan, or advance loan

I noticed my balance was higher than what the amortization schedule showed. When I went into my account, I also noticed that the payment schedule is not following the amortization schedule from my contract. When I called in, I was told " it's because interest accrues ''. I tried explaining that I understand that, but the funds are not being allocated according to the contract I signed. I also tried to adjust my due date, and they said I needed to call 2 days in advance. I tried to, and they were closed for the holiday on the XXXX, and didn't send a notice that they would be closed.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$650.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$160.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) # XXXX XX/XX/XXXX - Balance : {$700.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting

I disputed UNAUTHORIZED inquiries on my credit report. Per the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. This is a violation and it should be removed. I feel a reasonable investigation of these inquiries were not done and after sending in proper identification a fraud alert was placed on my file for disputing this. I would like to have these unauthorized inquiries removed and the fraud alerts lifted from my file. I now have credit monitoring so there is no need to have a fraud alert placed on my file.
Product: Credit card

I applied for a Care Credit card ( Synchronicity Bank ) in XXXX. The application was approved. I used the card once for an emergency veterinary appointment in the spring of XXXX and paid the balance in full over a period of a few months and have not used the card since that time. On XXXX XXXX, XXXX, my cat had a life threatening emergency so I took him to the vet. When it was time to pay for the charges, my Care Credit card was declined. Today, I spoke with Care Credit and was told that, some time in between last use of the card to present day, they ran my credit report and decided to close my account. I never received any notice of this and it caused a major scramble to come up with funds to pay for emergency care for my cat, along with undue embarrassment. Since the time of my application to Care Credit, my credit rating has improved and has not degraded. Therefore, the reason I was given does not ring true to me. I believe the card was cancelled due to inactivity and not carrying a balance. Perhaps they did not believe I was " profitable '' to them. But, to cancel the card without notifying a customer is absolutely inexcusable because many individuals rely on having that card in case of emergency, which is exactly why I applied in the first place.
Product: Checking or savings account

I got scammed and unknowingly deposited a bad check. I filed a complaint with the ftc, as well as got a police report and filed a claim with the claims department. I hav all the correspondence from the individual that impersonated someone and scammed me. I know have a negative balance and theyre closing my account .i need help theres no way I can pay this back I was innocent I was scammed.
Product: Debt collection

XXXX & XXXX XXXX, XXXX. has engaged in abusive debt collection practices as per 15 U.S.C 1692d-harassment or abuse. There are multiple violations pursuant to this particular XXXX code that XXXX XXXX XXXX XXXX XXXX XXXX  are guilty of, XXXX example is in paragraph 3, " The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) of this title. 

those records can be corroborated by looking up the frivolous lawsuits they filed with no basis other than assumption of an owed debt within the county of XXXX, but i will add in what i can for myself in particular, such things will include the misleading documents filed on behalf on XXXX XXXX XXXX, XXXX which the court was notified of, but ignored, in an attempt to collect a debt unlawfully by misleading the consumer and the court in an attempt to extort money in an organized and almost seemingly criminal manner. 

All info there for this case in particular is fraudulent and deceptive and downright unlawful considering none of that documentation contains a wet ink signature that belongs to me. 
they also did in fact engage in. see attached document that is being used to present itself as a contract, when it is in fact NOT, but a billing statement with an all cap letter name that may appear similar to mine, but it isn't MY name.

In addition to 15 U.S.C 1692d, they ( XXXX XXXX XXXX , P.C . ) are also in violations of 15 U.S.c XXXX practices. see paragraph XXXX which XXXX XXXX debt collector XXXX not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 

XXXX XXXX XXXX XXXX XXXX . is in violation of this through a lawsuit they filed on behalf of XXXX XXXX, XXXX by adding on the court fees to the total bill once they unlawfully sought judgement for a debt they DON'T own. 

they are also in violation of 18 U.S. Code 1028A - Aggravated identity theft which states ; Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 


although this list is exhaustive, XXXX XXXX XXXX XXXXXXXX. and XXXX XXXX, XXXX are both in violations of multiple uccs, XXXX ( XXXX ) and XXXX XXXX XXXX sub section XXXX ( a ) is a great example
Product: Credit reporting or other personal consumer reports

I am submitting this complaint because I have two authorized user accounts that are incorrectly reporting on my credit profile. These account do not belong to me, and I have requested to be removed from them as an authorized user. 

I have contacted both the credit card company and the credit bureaus multiple times to request the removal of this account, but it remains on my report. This inaccurate reporting is negatively affecting my credit and causing unnecessary stress. 

I am requesting your assistance in investigating this matter and ensuring that the account is removed from my credit profile as soon as possible. 
Thank you for your attention to this issue.
Product: Credit reporting or other personal consumer reports

I'm writing you today to inform you I was the victim of identity theft. Please let me letter serve as a formal dispute of the following accounts. I contact all the companies directly and was told to follow these steps to get this issue sorted. I filed a identity theft report with the FTC, have contacted all the company 's and now am disputing the info. Please help me with this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Transunion for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge OffXXXX Amount : {$17000.00} I have previously disputed the accuracy of this charge off account with Transunion and provided XXXX that the information is inaccurate. However, Transunion has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Debt collection

I cant verify debt. I keep getting different numbers to call from the hospital about my debt and still have not succeed. I cant get in touch with the doctor to see if my insurance cover his doctor visit. I didnt receive a bill to my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account XXXXnfo Account number XXXX I was recently looking at my Consumer report and notice that they are incorrect across the reporting agencies and for my understanding the consumers report are suppose to report accurate, timely and verifiable information. I notice that on XXXX I have exceptional payment history and the other two reports they have me as being late. Now who is telling the truth? This is embarrassing and does not meet the standards of Metro 2 and I say delete this inaccurate information. according to the consumers law this is inaccurate information and confusing and a detriment to my profile. I need this to be removed. I have upload the following report and they are in fact incorrect.
Product: Checking or savings account

Huntington Bank is refusing to issue a credit for a fraudulent transaction on my checking account for {$250.00} from an apparently based on my research scam company called XXXX XXXX that steals peoples debit card information and other pieces personal information. I have never used nor authorize use of the charge via this service if it even exists in a simple XXXX search will review multiple articles of people being arrested in XXXX and other Places under under a company name XXXX XXXX  and fraud
Product: Credit reporting or other personal consumer reports

This is not even really related to my issue, but its the closest i could find. My problem started when i changed my name in XXXX, and i only found out XXXX  years later, but at that time i suddenly became XXXX people with XXXX different credit histories. My score before XXXX was in the XXXX, and i never lived a day with bad credit as an adult. 

However, once i needed to purchase a new car when mine died in XXXX i was denied an auto loan for the first time in my life by my bank XXXX. I have since been denied personal and auto loans by XXXX every time i apply, and my quality of life has been suffering as i can not buy a car without a loan and i can not get a job without a car. I am barely able to escape eviction each month because the big XXXX credit reporting companies are reporting incorrect information on me by neglecting to merge my XXXX histories. I have the same SSN and date of birth, i even talked to a very rude woman who worked with XXXX last year. She laughed at me when i told her i actually have decades of good credit built up until i asked her to search the credit score of my old name with the same DOB and SSN. She saw it and was surprised, but when i begged her to fix the problem she flat out refused and said it wasnt her job. 

XXXX let me talk to the top woman in charge of loans or something last summer, XXXX, and i was crying on the phone begging her to fix the issue when i asked for another denied loan. I have had many auto loans, personal loans and my home loan through XXXX over XXXX decades as i built my credit history before this Twilight Zone episode took over my life. They know its me, and they can see all the products i have successfully purchased and paid off with them since XXXX, but they act as if the ridiculously low " new '' credit score is my only credit score or history. its unbelievable that this could happen, and then i cant find any way to get it fixed because XXXX, Transunion and XXXX make it impossible to talk to anyone to get the issue handled and my bank XXXX doesnt seem to care how this stupid error of data entry by some unknown person in XXXX has had disastrous and nearly XXXX consequences for me and my deteriorating life. 

I guess the reason i chose the mortgage option to file a complaint is simply because on this current credit history i only just started last year in XXXX, my mortgage history and the fact i sold that house and paid off the loan isnt even on my report. none of my loans for cars or personal reasons are showing. None of my credit cards are showing, all because it was prior to my name change in XXXX. This is destroying my life and i cant keep fading away like this. 

I am now begging you to help me. This cant go on much longer because i will be evicted and on the streets soon because i lost my XXXX credit score and nobody cares. Please help me get this fixed so i can finally get a loan and get a car so i can support myself again! 

thank you for your time XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX 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. 

Account Name : 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

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

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX and list of Inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my documentation to EQUIFAX and they keep telling me that the information is verified but they have not provided proof by way of documentation to show that these are my actual debts.
Product: Credit reporting or other personal consumer reports

Please see attached documafents. Do not close this complaint stating it is not me. I am a natural person and a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Curious about my credit score, I obtained a copy of my credit report. Upon examination of the report, I noticed that there were some inaccurate items that should not be there. 

After sending certified, return receipt letters on XX/XX/18 ( which were received on XX/XX/18 ), reporting that there were inaccuracies on my credit report from XXXX XXXX XXXX XXXX, account # : XXXX, claiming that I owe {$6500.00}, I requested that I would like some type of verification bearing my signature to verify the debt. I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified and that it was accurate according to them. 

Waiting over 30 days ( which is how long that is legally allowed to verify any disputes ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that I had still not received verification of any kind, let alone any type of verification that was bearing my signature, as I had requested. Upon checking my credit report, the non-verified, inaccurate item is still on my credit report, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided, I am seeking that this particular inaccurate claim is removed immediately. 

Not only has no information bearing my signature ever been provided when requested, but is also Violations of the Fair Credit Reporting Act - including but not limited to Section 611, such as : -FCRA, Section 611 ( a ) ( 1 ) ( A ) -FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) Depending upon how this matter is handled, I will also be detailing any potential issues via an online public press release, including any documentation of potential small claims action.