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

Please refer your attention to complaint number XXXX, This Complaint was filed on or about XX/XX/XXXX, and involved the manner in which the bank had computed overcharges on a checking account. It was apparently forwarded to Regions National Bank on XX/XX/XXXX. 

At the close of business that day, Friday, XX/XX/XXXX, the balance in my account should have been {$11.00}, However the last charge against the account that day was a charge of {$180.00}, apparently for four non sufficient fund charges at {$36.00} each made over the weekend of XX/XX/XXXX and XX/XX/XXXX and the charge for the overdraft which resulted from the application of the overdraft charge itself. 

The charges for the four overdrafts over the weekend were not processed until Monday, XX/XX/XXXX, On that same day, the account was charged another {$140.00}, apparently for the four.overdrafts which were processed on XX/XX/XXXX. Accordingly, from Friday, XX/XX/XXXX until Monday, XX/XX/XXXX, the account was charged a total of nine ( 9 ) overdraft charges at {$36.00} each, when only four overdrafts had occurred over that weekend, not including the overdraft which had occurred as the result of the application of the overdraft charges on XX/XX/XXXX. 

I would like to point out that in no other instance to my knowledge had the ban charged for an overdraft to the account which was the result of the application of the overdraft charge itself. But it is clear that this was the case on XX/XX/XXXX., These charges were made by the bank within a week after the original complaint filed in this case had been forwarded to the bank by your office. It is my belief that these charges were made in retaliation for my having filed this complaint. 

For this reason, I have not discussed this matter with the bank prior to providing you with this addendum. I plan on visiting the branch office of the bank on Monday to discuss this with the manager, but the last time I went to the bank to discuss this matter I was threatened with arrest. Please understand I need this account I just wanted to be treated fairly. It is the only means I have to collect my very modest pension and social security benefits. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report XXXX, which I acquired from your organization on XX/XX/XXXX and I noticed unauthorized inquiries had been made.I called Experian to discuss these unauthorized inquiries. The rep told me that I needed to contact the furnishers who put these inquiries on my report. I wasn't pleased with the rep answer because it was Experian that allowed these inquiries to happen without thoroughly checking that these were indeed factual and verifiable information. 

So I contacted these creditors, with a few giving me the runaround who conducted these inquiries and asked them to remove their credit inquiry from my credit profile and I have gotten nowhere and this is not right.and some of these inquiries is listed on my credit report several times. 

By law per the FCRA you are required to verify through the physical verification of the original signed consumer document. 

I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report at the address listed above. 

XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX If you find the inquiry referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I contacted transunion abt the fraudulent account on my credit report. XXXX XXXX  and XXXX tht isn't mine.
Product: Vehicle loan or lease

They repossessed my car, which they had the right to do so since I was in the V.A. Hospital for an elongated period. The problem I have with them, when they repossessed the car, they broke the law in the process. 
They broke into my mailbox ( XXXX XXXX XXXX, XXXX, Georgia XXXX ) and took a piece of mail from my school ( pictures enclosed ). My neighbor saw a young heavy-set black female breaking into my mailbox. My neighbor asked, what are you doing? She lied and said I was her uncle, and I had misplaced my key. 
Later when I came home, the woman who fits that description walked up to me and asked my name. I asked why. She lied and said the mailman put my one-piece of mail on her door, and she is returning the letter to me. The same letter she stole earlier. 
The mailboxes are in the front of the complex. The mailman doesn't put our mail on the door. A couple of hours later, my car got repossessed. It is a classic case of false statements and false representations. The next day I noticed my mailbox lock was broken. My mail was all over the parking lot. 
I called Nissan regarding this issue and the gentleman who answered told me you people never pay you all bills. You people! That is a XXXX connotation the slave owners used to degrade slaves. I am an XXXX XXXX Veteran who fought for this country. I am a XXXX XXXX XXXX XXXX, and Nissan Financial is treating me like the lowest scum on this earth. I think not. 
I have many personal items in the car, including my bookbag, my laptop, tools, and clothes. All they had to do is knock on the door. I don't expect them to act honorably once notified. 
Nissan Corporation and the repo company is complicity to defrauded, deceived, and duped consumers under the guise of unflinching XXXX discrimination. Nissan has betrayed the public trust. They keep giving me the run around regarding my items.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries that are not associated with an account showing up randomly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have posted to my credit file. On a few separate occasions I have disputed with all three credit bureaus XXXX, XXXX, and XXXX pertaining to a credit card with XXXX, Account # XXXX for the date of last activity, payment history, status and the dispute was returned verified. After some further investigation on my part, I am also concerned that this account and the reporting to XXXX, XXXX and XXXX are inaccurate. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( XX/XX/2009 ), this Notice includes : Identification of the specific information being disputed XXXX, XXXX and XXXX reporting for Account Number : XXXX Basis for the dispute : The monthly payment, open date, high credit, last reported date, date last active, date of last payment and payment history are different and inconsistent between the three credit bureaus. 

Supporting documentation : I have included the excerpts of my credit reports showing how this accounts is being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an issue with Shellpoint mortgage reporting the status and amount of a mortgage account which was incorrect in both the amount and the status, thanks to a compliance complaint that I filed with your agency previously my issue was partially resolved ( thank you very much ), but unfortunately the most important part of the reports accuracy remains unsolved, according to my agreement with them the account will be reported as closed and paid in full on all 3 credit bureaus ( see attached letter ), but unfortunately they are reporting as settled for less than the amount owed which adversely affects my credit, I need to request once again for your help to resolve this issue so I can move on with my life, if you have any questions please dont hesitate to contact me and once again thank you for your help.
Product: Debt collection

I Checked My Credit Report And This Credit Loan Is On It, Which I Have No Knowledge Of.
Product: Credit reporting or other personal consumer reports

Certain companies have accessed my credit report without my authorization, and I have never applied to them. This unauthorized activity has negatively impacted my credit and lowered my credit score. I previously contacted Experian, and their representative assured me that these inquiries would be removed, yet they still appear on my credit report. As a victim of identity theft, these fraudulent and unauthorized inquiries are causing me significant stress and XXXX, further complicating an already challenging situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Reporting Agencies continued to violate my consumer rights I report Fraud accounts on mu consumer report, filed a FTC report. Even after being informed the continue to be inviolation.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires all data in a consumer 's le be documented and validated before it can be used by creditors, so I take this seriously! The allegations of delinquency and derogatory behavior against me are false. I will ght back with all my strength! Your report accuracy is crucial. The allegations you are reporting do not meet federal or state requirements for reporting, so they can not be conrmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more condent in what is being said. You are required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format, as this is required by law ( FCRA ) as well as reporting standards METRO 2+. However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately, or else there could potentially be serious consequences. I'm giving you 30 days from the date of this letter to resolve this issue, otherwise there could be consequences.I would like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and veried information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case.
Product: Credit card

On  XXXX   XXXX ,  XXXX , I opened a Mastercard  XXXX   XXXX  account. The holding bank was : BARCLAYS BANK  XXXX   XXXX   XXXX , DE --  XXXX  I closed the account in late  XXXX . I had n't received the card, and was n't using it. The representative I called agreed that my account would be closed. I paid off the final fee. A year later, I was sent a bill for my new annual fee, even though I had asked to cancel the card. On  XXXX   XXXX ,  XXXX , I again called the service center associated with the card. I was told the fee would be waived and my card would be canceled. Instead, Mastercard kept on billing me, loading my credit report with a late payment. I 'm told I now owe {$130.00}, and I was denied today in applying for a new credit card because of the impact on my credit report. I would like the {$130.00} to be waived, and the association with Mastercard and Barclays erased from my credit report. Best regards,  XXXX   XXXX
Product: Credit reporting or other personal consumer reports

Experian Information Solutions , Inc . 
Dispute Department XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Formal Dispute of Inaccurate credit reporting under FCRA and XXXX XXXX XX/XX/year>. 
XXXX XXXX Credit Card ( {$470.00} ) To whom it may concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Recent finding by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experians failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to the requirements constitutes a violation of federal law. 

I hereby request that Experian : XXXX. Conduct a thorough reinvestigation of the following disputed accounts or items. [ XXXX XXXX Credit Card. ] XXXX. Provide me with all the documentation used to verify the accuracy of the disputed information. 
XXXX. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following companies/account ( s ) ; -XXXX XXXX XXXX  XXXX Account # XXXX -XXXX XXXX : Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX : Account # XXXX have violated my rights as a consumer.

15 U.S.C 1681 section 602 ( A ). states I have the right to privacy 15 U.S.C 1681 section 604 ( A ) sec. 2 states a consumer reporting agency can not furnish an account without my written consent
Product: Student loan

Consolidated loan. Making overpayments to pay down loan. 
Interest is being overcharged and does not match the amortization schedule. 

attached documents showing overpayment. 

attached statement which shows inflated interest charges. 

attached is a letter saying how they calculate interest, which still does not match the interest collected.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate this account ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my file in accordance with paragraph ( 5 ), 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 creditor. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and update : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Banco Popular XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I consumer have a problem with Bank above. On prior descriptions dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. These Occurrence ongoing i discovered Fraudulent Activities on my Checking and Saving Account without my Consent. Funds was not Handled or Disbursed as Instructed to my Monthly Merchants Accounts it caused me the consumer high fees charges and late fees. Due to bank Errors i consumer tried to resolved dispute but company FAILED and REFUSED to work a relationship with me the consumer. Notice it caused me Financial Reputation as a truly valued Consumer. I am asking to clear my Name and funds with a Refund back to my Account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have put several request to dispute XXXX XXXX  XXXX from my credit Report and Transunion comes back that the information is verified. I have asked numerous times XXXX XXXX  XXXX to verify their account and they have failed. I have no idea who they are. I have never paid them directly. I want this delete it from my credit report as soon as possible. They are fraud. If they send you the verifying information please send it to me otherwise please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from my credit file advising that my account was reported 90 days late. Per my credit history, the account was current prior to the 90 day late payments twice XX/XX/XXXX and XX/XX/XXXX ). The account has been reported incorrectly. 

I have attached a screenshot of the incorrect reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX to Whom it may concern, My name is XXXX XXXX XXXX I am closing on my new home when I recently discovered that I had some issues on my credit report that need some attention. I have addresses that do not belong to me and unknown phone numbers. 
These are the unknown addresses please delete : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX. 

UNKNOWN PHONES NUMBERS : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Checking or savings account

I have a capital one checking account and have not received my employers direct deposit. This was submitted to Capital One on Monday XX/XX/XXXX, and I normally receive it within 2 days. Today is XX/XX/XXXX and Capital One can not accurately tell my why I haven't gotten paid, can not provide an accurate timeliness of when this will be resolved, and can not tell me when I will receive my direct deposit from my employer. They are unwilling to help in any way. I spoke with XXXX supervisors today who all quoted different timeliness for resolution, who all had no ability to gain access to any funds, and who did not seem helpful. They said there is a " XXXX party issue '' but won't expand in detail about the problem. I can not buy food, feed my pets, or pay bills that are due. I have an XXXX loan with Capital One that is due today, and was told that I have a 10 day grace period, but that I might accrue additional interest if not paid today. If they would pay me, I could pay my auto loan payment. They also continue to post social media ads advertising their checking accounts and credit cards, while their existing customers have not been provided with money earned from their employers.