23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

The following is related to U.S. Bank. On XXXX/XXXX/2015 I used my checking account-linked debit card to make several purchases. I made these purchases knowing that my checking account was low on funds. I monitored my account throughout the day, frequently checking the balance. I was diligent about not overdrawing the account. At the end of the day, a {$25.00} automatic monthly transfer was made to my savings account even though these funds did not exist. US Bank manipulated the payment processing order so that the {$25.00} automatic transfer was the FIRST payment processed on XXXX, thus a guaranteed overdraft charge. Several days later I was notified of a {$36.00} overdraft fee via mail. Additionally, I was charged a {$25.00} extended overdraft fee, meaning the account was overdrawn for a five day period. I contacted my home branch to explain why the charges were unfair and the branch manager said she could only remove the {$25.00} extended fee. I told her that I would be banking with a different institution so she changed her mind and said she would remove the original {$36.00} fee in an effort to " help me out '' but not the {$25.00} extended fee that was a result of the original fee. 
All of these events occurred despite the fact that I am " opted out '' of overdrafts. This option, however, does n't apply if the charge is a recurring monthly charge for gym memberships, XXXX, etc. The charge that put me into overdraft was conveniently my $ 8 monthly XXXX subscription that went through on the same day. I called XXXX to see what time the charge went through on XXXX. It went through at XXXX XXXX. US Bank manipulated the payment processing order so that the automatic recurring XXXX payment was the payment that went through when there were not enough funds to cover it. 
U.S. Bank 's manipulative payment processing resulted in my account being overdrawn by around {$4.00}, leading to {$61.00} in fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following item listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following account as this is fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX Date Opened : XX/XX/2011 Balance : {$0.00}. 

If you claim this account is 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Product: Credit reporting or other personal consumer reports

You opted to not respond to my dispute letter and, therefore, you failed to verify that these accounts belong to me before the end of the 30-day period beginning on the date that you received my dispute letter.

Now, under 15 U.S.C. 1681i, of the FCRA, it states that all unverified accounts must be promptly deleted from my credit file. The files listed below are inaccurate and unverified and I am requesting that you delete all of them from my credit report immediately.

You are also required to send me a copy of my credit file showing that these items have been removed.

Please provide me with a copy of an updated and corrected credit report showing these items removed. 
account name account number XXXX XXXX XXXXXXXX XXXX XXXX XXXX INQUIRIES I DID NOT APPROVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three accounts with Capital One : two credit card accounts and one charged-off auto loan. I am concerned with their credit reporting practices and disturbed by possible bullying tactics on select consumers. With regard to the auto loan. In XXXX, I financed a car for my XXXX year-old son after my husband passed. I was in a state of XXXX and not making sound financial decisions. My son did not make regular payments as agreed and, unfortunately, I defaulted on the car loan in XXXX. Through disputes, complaints and multiple calls with Capital One, the information reported to the credit bureaus was corrected and is now accurate. On various occasions, Capital One informed me that they are obligated to report all information to the credit bureaus. This is not true, but this is their claim. So be it. As of today, Capital One consistently takes the time to report this defaulted auto loan account to all three credit bureaus as a charge-off with an {$11000.00} balance on a monthly basis. The last reported update was XX/XX/XXXX. This information leads me directly to my complaint. I also have two credit card accounts with Capital One, as previously stated. Both of credit card accounts are in excellent standing and have excellent repayment histories with zero late payments. One account has an {$800.00} credit limit and was opened on or around a year ago. The other credit card has a {$3500.00} credit limit and was opened on or around 3-4 years ago. Capital One chooses to ONLY report the card with an {$800.00} limit to the three credit bureaus. They DO NOT report the status of the credit card with {$3500.00} limit to any of the credit bureaus. This practice negatively affects me in various ways. This negligent and selective reporting reduces the available credit used to calculate my FICO score, reduces the amount of on time payments used to calculate my FICO score and reduces my credit history which also negatively impacts my FICO score. This practice of selective credit reporting could be interpreted to mean that Capital One is manipulating the system to negatively impact targeted consumer 's credit scores to a heightened level where possible. 
I am confident that Capital One representatives are aware of the impact credit reporting has on consumers. Therefore, Capital Ones reporting tactics can be interpreted as unfair and inaccurate. Capital One is intentionally not reporting the {$3500.00} credit card with excellent payment history to negatively impact my FICO score by reducing the total available credit used to calculate my FICO score, reduce the length of my credit history and decrease the number of on-time payments used to calculate my FICO score. 

I am requesting a correction from Capital One for consistently reporting the charged-off auto loan, consistently reporting the credit card with an {$800.00} limit and NOT reporting the credit card with a {$3500.00} limit. I have attached a statement for each of the credit cards mentioned above for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 and XX/XX/2022, I sent EQUifax a request to reinvestigate incorrect items which were listed in my credit history report. There was a collection for XXXX no orginal creditor listed just XXXX. I asked for verification and reinvestigation. They updated comments saying that i dispute the account but nothing was corrected. I also reached out to the collection agency and recieved nothing back. I contacted them twice. Please note that i sent mail to XXXX certified becuase i didnt get a response. The traccking number with XXXX is XXXX
Product: Credit card

On XX/XX/XXXX I just wanted to see if I was pre approved for a credit card through my bank chase and without my permission they signed me up for the credit card which I did not approve, I just wanted to see if I qualified not sign up.
Product: Credit reporting or other personal consumer reports

XXXX - XXXX Last updated XX/XX/XXXX Balance {$530.00} Account Details DEROGATORY Account Type Collection Account Last Account Activity XX/XX/XXXX Open Since XX/XX/XXXX Ownership Individual Current Balance XXXX XXXX Monthly Payment - Original Creditor XXXX XXXX Payment Details Payment status Collection/Chargeoff Contact Information Lender Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone Number XXXX XXXX - XXXX Last updated XX/XX/XXXX Balance {$170.00} Account Details DEROGATORY Account Type Collection Account Last Account Activity XX/XX/XXXX Open Since XX/XX/XXXX Ownership Individual Current Balance XXXX XXXX  Monthly Payment - Original Creditor XXXX XXXX  Payment Details Payment status Collection/Chargeoff Contact Information Lender Name XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone Number XXXX Remarks Placed for collection XXXX XXXX XXXXXXXX Last updated XX/XX/XXXX Balance {$650.00} Account Details DEROGATORY Account Type Collection Account Last Account Activity XX/XX/XXXX Open Since XX/XX/XXXX Ownership Individual Current Balance XXXX XXXX  Monthly Payment - Original Creditor XXXX XXXXXXXX Payment Details Payment status Collection/Chargeoff Contact Information Lender Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Phone Number XXXXXXXX XXXX XXXXXXXX XXXX XXXX Credit Limit Current Balance {$300.00} {$470.00} Credit Utilization 159 % Account Type : Account Status : Open Since : Last Account Activity : Credit Card Closed XX/XX/XXXX XX/XX/XXXX XXXX - XXXX Credit Limit Current Balance {$0.00} {$1300.00} Credit Utilization 0 % Account Type : Account Status : Open Since : Last Account Activity : Credit Card Closed XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX Credit Limit Current Balance {$20000.00} {$24000.00} Credit Utilization 120 % Account Type : Account Status : Open Since : Last Account Activity : Flexible spending credit card Closed XX/XX/XXXX XX/XX/XXXX Inquirer XXXX XXXX XXXX Reported on : XX/XX/XXXX XXXX : XXXX Reported on : XX/XX/XXXX XXXX : XXXX XXXX Reported on : XX/XX/XXXX XXXX : XXXX Reported on : XX/XX/XXXX
Product: Student loan

The company calls various times a day. All through the day and late in the evening, worrying you about payments, even if you are 1 day late on a payment. I have paid for years on time, but never saw my account/total move. I called to find out but did not receive any real answer except that it is interest. My account has been open since early XXXX. This account should be paid off or very close to it by now. This company is getting over. Regardless of what loan it is, this company is not right. I tried to be certain that I had it correct, but it certainly was used for school. This company is in litigation/court for abusing their power with student loans already.
Product: Debt collection

XXXX XXXX XXXX, XXXX MUST CEASE AND DESIST COLLECTIONS ON CONSERVE ACCOUNT NO.XXXX XXXX XXXX XXXX AND XXXX XXXX LOAN NO.XXXX DEALING WITH THE ORIGINAL CREDITOR XXXX. ( SEE ATTACAHED ) THEY KEEP VIOLATING THE DODD-FRANK ACY, INDIANA 'S ATTORNEY DO N'T CALL RESGISTRY AND T.C.P.A.
Product: Credit reporting or other personal consumer reports

There was a credit card account opened and closed in my name.XXXX XXXX refused to send me records indicating the debt owe, however my credit score has been impacted negatively due to my rights being violated .I havent received a response or evidence regarding this account with XXXX XXXX in the amount of {$140.00}
Product: Other financial service

Global Client Solutions through XXXX XXXX XXXX contacted me last XXXX XXXX 2015 XXXX offering to settle my credit card debts of about {$18000.00} for a total of about {$12000.00} and a fee of {$900.00} for GCSXXXX. The amount I would have to pay them monthly for 20 months was {$630.00} which was to be deducted directly from my checking account on the XXXX of each month starting on XXXX XXXX, 2015. ( I realize that the total for 20 months would have come to over {$15000.00} and I do n't know why I did n't note this discrepancy earlier. ) They told me that my credit score ( then in the XXXX 's ) would take a hit for a few months. I agreed to these terms and immediately gave them over the phone the credit card names and numbers and the amounts owed to each credit card. They told me not to discuss anything with the card companies if they called but to refer the companies to GCS as representing me. They gave me the name and number of a " customer care person '' in XXXX, NJ and said to contact her with any questions. 

From that point on I simply did not answer the phone when I could see that it was from any source I did not know. I told the customer care person I was doing that. She said that was fine but I should fax or mail to her each regular mail communication I received from the card companies and not respond to the companies at all. I have sent her by regular mail every such communication I have received from those companies for the past six months or so as well as XXXX I received from a debt collection company, XXXX XXXX XXXX XXXX XXXX early this month. 

I have talked by phone with that customer care person several times over these six months and have asked for an accounting of what has happened to the moneys withdrawn from my checking account, totaling now {$3800.00}. She has said that GCS has to wait for the card companies to get anxious enough for GCS to be able to get the debt reduced. 

Yesterday I received an email from GCS saying that my monthly account statement is available online. When I tried to access it, I could n't. I called customer care, but the person was n't available. I left a message for her to call me back. She did n't. I looked up GCS on the internet and read all sorts of alarming things. Then I tried to call XXXX XXXX XXXX and speak with the men with whom I had spoken in XXXX. None of them were available and no one called me back. Then I called the debt collection company and settled XXXX of the card debts for 60 % of what the balance was and paid that directly. 

Then I looked up CFPB on the internet. And this is the result. I hope you can help me get back the money paid to GCS since they have done nothing for me. 

Thank you for your existence and for any help you can give me.
Product: Debt collection

On XX/XX/2019, I was notified through credit monitoring that Capital One reported that I owed a balance of {$1700.00}. The account being referred to was settled in full on an agreed upon settlement. I initially filed a dispute because of this false reporting that Capital One was doing. Eventually, Capital One reported the account at a {$0.00} balance. After the notification, I contacted Capital One representative that is already working a case that I have filed due to the same dispute about the issue. I was advised that because a dispute was submitted that the balance was placed back onto my XXXX  account. Why would they maliciously place a balance back onto my credit report after already noting the balance at {$0.00}? This makes absolutely no sense. Furthermore, the balance being reported is an incorrect difference between the settled amount and the amount that would have been remaining if Capital One did not agree to the settlement offer they provided to me. I do not owe Capital One anything on this account. They have significantly caused me damage in that my score dropped 28 points and I was no longer able to finance a vehicle and I am in the process of trying to buy a house! On top of them reporting this balance, they reported that I had been late on the payments for the last three months! I paid this account off at the end of XXXX! 
After contacting the account representative, there is still no progress in them fixing my report. 
I work at an agency that requires good standing with all credit accounts. This malicious reinstatement could potentially cost me my job as well. 
I have worked very hard to get all of my debts resolved and paid off to do something like this in retaliation is beyond me!
Product: Credit reporting or other personal consumer reports

A few weeks ago I got and reviewed my credit report and noticed unauthorized Inquires on it I called XXXX, Equifax, and XXXX to get them removed and they said I had to send in a FTC report so I did then when I followed up they said that they have yet to receive the report
Product: Checking or savings account

On XX/XX/XXXX, I opened a letter from PNC bank that told us that our account was overdrawn and that we owed a fee. Panicked, I rushed to check our accounts and found out that the " overdrawn '' account was the " mandatory '' checking account that we didn't have money in because we used the bank just for a savings account. ( We were using simple and that got acquired by XXXX and now the accounts were being handled by PNC ). 

Upset, we tried to transfer the money to our XXXX account. No good. At the rate of transfer, it would take us several months. So we called. 

After trying to navigate a really terrible phone menu ( and having to disclose personal information several times ), we finally spoke to a person. She told us that because we had tried to pay off our fees prior to calling, that it would take several business days to close an account because they couldn't close an account when there was an active transfer. At one point, the representative even asked us for our personal information AND PASSWORDS at the bank ( XXXX ) where we wanted to wire our balance. Then she told us that we would have to accept a cashier 's check. It was a mess. 

We ended up not closing because of the " active transfer that would take several business days. '' The whole process was a waste of an hour.
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
Product: Checking or savings account

I received an email from XXXX on XX/XX/XXXX at XXXX XXXX  stating that my " online application was in progress ''. Less than 1 minute later, I got a second email from the same address saying that my application for a Bank of America XXXX XXXX XXXX  Account was approved. Both of these emails passed XXXX, XXXX, and XXXX indicating that they originated from official BoA addresses. I am a former BoA customer but have not had any accounts with them for years. I went though the process to reset my password using the partial account number provided in the second email and was able to successfully log in and validate that it was a real account with BoA. 

Additionally, a second phone number was added to the account without triggering any email or notification to me. I've confirmed in the Security Center that the only recent logins to the account are mine from investigating this which would seem to rule out any online account takeover / stolen passwords.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX. 

15 U.S.C. 1681 Section 602 A States : I have a right to privacy.

15 U.S.C. 1681 Section 604 A ( 2 ) States : A consumer reporting agency can not furnish an account without written instruction.

15 U.S.C. 1681c Section ( A ) ( 5 ) States : No consumer reporting agency may make any consumer report containing any of the following items of information And other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681 Section s-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that they the information is inaccurate.
Product: Credit card

I WAS ADVISED TO BUY XXXX PARTS FOR THE JUICER THAT I NEEDED AS PART OF MY DIET FROM AMAZON FOR MY NUTIRBULLETS, THOUGH, BOTH NUTRIBULLET PARTS ARE THE WRONG SIZE FOR MY SMALL XXXX DEVICE AND WAS TOLD BY AMAZON.COM THAT THEY WILL SEND ME A RETURN PRE-PAID ENVELOPE TO RETUNR THE PART AND THE OTHER PART WAS FOR A REPLACEMENT BLADE GEAR OF A NUTRIBULLET, THAT I NEEDED TO BUY TO KEEP DOING MY DIET DRINKS AND RECIPES AS I HAD RECEIVED THE WRONG PART. 
THE BLADE GEAR IS THE WRONG SIZE, WHEREAS THE SHARP BLADE FOR THE SMALL NUTRIBULLET WAS NOT THE PART THAT I NEEDED. I ACTUALLY NEEDED THE BASE. BOTH PARTS WERE THE WRONG PARTS FOR THE NUTRI-BULLTES AND I HAD PURCHASED THEM THROUGH AMAZON CREDIT CARD. I HAD CONTACTED AMAZON AND THEY DID NOT REFUD ME NOR REPLACE THE PARTS AS I WILL LIKE THEM TO.
Product: Debt collection

Got a call from a process sever that they have tried to serve me. XXXX XXXX as a number to call XXXX XXXX XXXX. Called and the gentleman rambled off all of my personal info ; social, XXXX, phone and an old address. Said that I owe a debt to Citi for $ XXXX from 2006 and that they are going to sue me for the money and put a lien on my vehicle, which he then gave the year l, make and model and last 5 of my VIN and for committing fraud by not paying. He refused to give me the law firms address and web sent and demanded I pay over the phone right then. Called Citi and they verified I have no debt and that they use in house to collect. Process server called my brother in law the next day and left same message, after speaking to me on my phone. I called and asked them to stop calling any numbers they have and the gentleman at XXXX l, XXXX XXXX, told me he would keep calling me whenever he wanted and that its illegal to not pay your bills.