23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Debt collection for XXXX XXXX XXXXXXXX was posted on XX/XX/XXXX in the amount of {$360.00}, which was paid immediately. There was no communication sent from the utility company prior to the collection. Because this collection has been severely affecting my credit score, on XX/XX/XXXX I requested a history of all attempted communications from the utility company. The reply from the company is as follows : " A final payment was made on XXXX. Your account is inactive with a current balance of {$0.00}. No Further action is needed. Per review of your account, your payment history for your account shows that it would not affect your credit history. '' This was sent to me via email, which is provided below. If needed, any other requested information will be provided as well.
Product: Credit card

On XX/XX/2023, there were multiple fraudulent charges on my card from XXXX ( {$1100.00}, {$100.00}, {$25.00}, {$50.00} ). I immediately disputed the transactions with Apple Card. They walked me through security functions to help prevent further fraudulent charges and told me they would reach out to the manufacturer-sending me any information/ packet that they would have about the charge. Then on XX/XX/2023, 2 more additional fraudulent charges were made ( {$160.00} and {$50.00} ) and again, I immediately disputed these charges. I requested for them to block XXXX and was told they are not able to block merchants. Instead, I requested to put an entire hold on the card to help prevent any further fraudulent charges. On XX/XX/2023 I received an email confirming they resolved these disputes as fraudulent and removed all the charges. I then reached out to have my card reactivated because of this email. I had to reach out again on XX/XX/2023 to remove the block- this time I had to call because of my frustration. Then on XXXX XXXX I received an email saying they were reversing the dispute based on available information. I immediately reached out again and asked for this available information. I again, redisputed this charge. On XX/XX/2023, they again reversed this charge only. And again I asked for the information and reapplied the dispute and told them I will continue to fight this charge as it was fraudulent just as the other charges from XXXX were. Again on XX/XX/2023, I redisputed the charge and asked for the information regarding this charge. They then reversed the charge on XX/XX/2023 and I immediately disputed the charge. Almost a year has gone by where Apple Card is refusing to provide me any information about this fraudulent charge. They were able to remove ALL the other fraudulent charges but this one with NO EXPLANATION. This is extremely frustrating!
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with a representative from XXXX credit bureau. I informed him that the po box they have listed XXXX XXXX XXXX XXXX NJ XXXX is incorrect. I asked him to remove the incorrect address. He informed me that he would not remove it because a creditor ( Navy Federal Credit Union ) shows this incorrect address. This is my account and I am informing them it is incorrect. Why would he not remove this and go by a creditor, who has incorrect information. This inaccurate data can affect my credit score.
Product: Debt collection

Automobile loan which had gap insurance coverage iwhere loan should of been paid off with the gap insurance due to the death of the loan holder ( XXXX date of death XX/XX/XXXX. 
The car was also repossessed and resold which also was for more than the loan amount. 
I also never received any letters or documentation from EXETER Financial regarding amount left on loan or that they were seeking collections. I also did provide Exeter Financial a death certificate and Gap insurance would if paid off the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 3 credit bureaus to validate these accounts ( A ). 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 correct XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$160.00} XXXX XXXX XXXX  {$0.00} XXXX XXXX  XXXX XXXX  {$4000.00} XXXX XXXX XXXX XXXX  {$32000.00} KXXXX XXXX XXXX  {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX  {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$2400.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$39000.00}
Product: Money transfer, virtual currency, or money service

I don't know if this constitutes a scam, but it sure seems like it. A few years ago Wells Fargo opened a new separate credit card for my wife when I only wanted another card for her which we requested when we opened the account ... That just made me mad because it could effect credit scores. Now.. today, XX/XX/2018 I went to the Wells Fargo branch in XXXX XXXX , AZ ( I have been a WF customer for about 8 years ) to send a wire transfer to my stock broker and  when asked for ID I presented my driver 's license ( w/photo ), my military post access card ( w/photo ), and my law enforcement badge and state issued AZ Ranger ID ( w/photo ). I was told they required my debit card ( which I have not activated and NEVER use ). I believe this requirement is just another WF scam to require people to use debit cards to collect more fees??? I am switching banks to a more reasonable and customer friendly bank. It just seems wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my Equifax report that was not authorized by myself. i contacted Equifax to report these fraudulent inquiries and was told I had to go to FTC.gov and fill out a report and then fax it to them in order to get these items removed. the item are listed below. 


XX/XX/XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX EQUIFAX MORTGAGE SERVICES, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, IL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to an inaccurate account on my consumer report. It has been well over 60 days and I haven't received any investigation results.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. 
However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting

I have had student loans since the age of XXXX on my credit report they been in forbence why does it show I 've missed every payment when I 've never received any bills due to not living where they sent them. And they were deferred and still are deferred. What should I do to get that off my credit report.
Product: Checking or savings account

Hello The bank that i am complaining about is BMO Harris. Well at the starting of the month of XX/XX/XXXX my younger brother Who lives in XXXX asked me for some money. For which I called the bank and asked them on how can I send him the money to which they told me the online bill method can be applied to send him the money The process is simply one needs to put in the address and name of the individual and the bank shall send that person the check on the prescribed address. Well, I did the same wrote him a check on XX/XX/XXXX. My brother never received the check as he was continuously in touch with me. on XX/XX/XXXX while i was checking my bank account I realised that the check was cashed by someone. I called my brother and enquired whether he has received the check and cashed it to which his reply was negative. I called the bank and told them to which the replied somebody did cash it. I told them it is fraud someone else cashed it. The bank told me to come into the branch on Monday t file a complaint whereas they will place a hold on the account. On Monday ( XX/XX/XXXX ) as I went to the bank where i met XXXX XXXX XXXX who happens to be a Personal Banker at BMO Harris Located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. She asked me to fill up an affidavit and get it signed it by my brother and also asked me to get a police number which I did from the XXXX police department. An affidavit was filled, Signed and Notarized and submitted to XXXX XXXX XXXX which she submitted to the bank. It has been almost three months now there has no development to as per my knowledge I applied for provisional credit which was also declined by the bank. I applied for provisional credit which was also declined. I am lodging a formal complaint against the bank as the Money is FDIC insured yet there has been no sort of reimbursement from the bank.
Product: Credit reporting or other personal consumer reports

Its 2 addresses on my credit report that is in correct Ive tried to contact all 3 credit bureaus. Experian wont take 2 addresses off my report so Im reaching out so these addresses can be removed asap because they are incorrect I only want my current address on my report.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX credit reporting agency , Experian credit reporting agency , and you XXXX credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within at least 4 days of you receiving this complaint. The fraudulent, inaccurate, and false information of a personal credit card account opened. First my name is incorrect on report and listed as XXXX XXXX XXXX and XXXX XXXX but my correct name is XXXX XXXX. Also my date of birth on one of your reports is listed as XXXX when in fact its XXXX. The following are accounts that are fraudulent XXXX XXXX XXXX XXXX account number XXXX or account number XXXX opened on XX/XX/XXXX and XX/XX/XXXX. 

XXXX XXXX XXXX loan opened on XX/XX/XXXX under the account number XXXX or account number XXXX. 

XXXX XXXX XXXX XXXX personal loan opened on XX/XX/XXXX under the account number XXXX or account number XXXX. 

XXXX XXXX XXXX XXXX credit card opened on XX/XX/XXXX Account number XXXX. 

XXXX XXXX opened XX/XX/XXXX account number XXXX. 

XXXX XXXX XXXX XXXX account number XXXX opened XX/XX/XXXX. 

These fraudulent accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : EQUIFAX XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX  & XXXX. ACCOUNT XXXX Recently, I did an investigation on my credit report and found several items in there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( XXXX ) 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 shalli ) 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.
Product: Debt collection

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Product: Debt collection

On XXXX XXXX AMCOL SYSTEMS INC told me I owe {$45.00} than another rep told me I only owe {$10.00} of the account that was originally {$45.00}. So I paid the account in full and it was closed. 

On XX/XX/XXXX I called AMCOL SYSTEMS INC an was told I owe a total of {$180.00} on one account. On XX/XX/XXXX I called back an paid {$82.00} and stated a payment plan. The payment plan was {$20.00} that would equal {$100.00} and was to be bi-weekly tel paid in full. 

The out come was that all three account were closed and reported as closed to all credit bureau. 

On XX/XX/XXXX I requested a free credit report from all three bureau. I notice that AMCOL SYSTEMS INC reported all three accounts paid/closed to XXXX and than reported the incorrect information to XXXX. 

I have been trying to fix this problem withAMCOL SYSTEMS INC and to have the account corrected.
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 confidentially under 15 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 513**,
has violated my rights.

15 U.S. Code 1681 Section 602 A. states I have right to privacy.

15 U.S. Code 1681 Section 604 A. section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 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 or other personal consumer reports

This account is a certificate of indebtedness ; it is now considered income and income can not be reported on any credit report. XXXX XXXX XXXX, account number XXXX, has violated several of my rights as a consumer. Furthermore, the sale or sharing of my personal information to a third party collection agency without my explicit consent constitutes several violations of both the Privacy Act of 1974 ( 5 U.S.C. 552a ) ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

This also violates the Gramm-Leach Bliley Act ( 15 U.S.C. 6801 ). Under the Privacy Act, federal agencies are prohibited from disclosing personal information without the individuals consent, except under certain circumstances, and under the Gramm-Leach Bliley Act, financial institutions are required to protect the privacy of consumers nonpublic personal information and limit disclosures to third parties without consent.

Given that I did not authorize this disclosure or sale of this account, I am formally requesting immediate action to investigate this violation, cease further sharing of my information and to remove all unauthorized reporting related to this account.
Product: Debt collection

Dispute of Debt - JEFFERSON CAPITAL SYSTEMS LLC. {$1900.00}, Dear CFPB Team, I am writing to formally dispute a charge-off listed under my name. I believe this debt is inaccurate and have specific concerns regarding the validity of the charge-off. Firstly, I have not received a Form 1099 nor any other documentation validating this debt, which should have been disclosed to me as part of the debt collection process. I understand that under the Fair Debt Collection Practices Act, I am entitled to receive proper notice regarding any debts that may be claimed against me. To the best of my knowledge, I did not incur the debt associated with this charge-off, nor have I ever been contacted by the original creditor regarding this matter. Additionally, my attempts to obtain documentation validating the debt have been unsuccessful. In light of the above, I am requesting a thorough investigation into this charge-off and any supporting documentation that validates the existence of this debt. I am also requesting that you provide me with a complete account history, including any communications sent to me regarding this matter. Please do not hesitate to contact me at XXXX or XXXX should you require any further information or clarification regarding my case. Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX ---
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXX XXXX XXXX XXXX XXXX  Opened XXXXXXXX XXXX XXXX  Balance {$24000.00} - I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy.
Product: Checking or savings account

So I tried to transfer money from my XXXX XXXX  to my bank account while using their app ( the bank ) and that was on the XXXX. I got an email saying that my recurring transfer is all set but i wouldnt get it instantly I had to wait until the XXXX but i forgot about it and had my card locked so it didnt go through I even got an email saying it didnt go through. Then on the XXXX I got my paycheck and sent XXXX to my bank from XXXX XXXX at XXXX then I see another charge at XXXX from XXXX saying my transfer from XXXX to Wells Fargo is complete. I was thinking maybe that was the transfer I was trying to do like a week ago so I go check to see if its there and it just said pending so I call the people at the bank to see how long it would take and they said they didnt even see that transfer and they cant really do anything on there end.So now at this point i started to get aggravated I had just got my paycheck too but I hang up on them, transfer out the XXXX I sent at XXXX back to my XXXX and figured Id wait for it to finish pending and when I did that there was still no money on my account I called the people back there still saying theres nothing they can do.
Product: Vehicle loan or lease

CFPB Complaint Number : XXXX This complaint is to World of Omni Toyota leasing my XXXX XXXX XXXX. 
Last year I claimed bankruptcy attended court on XX/XX/XXXX in XXXX XXXX XXXX Florida. The court discharged on XX/XX/XXXX. 
Per my attorney XXXX XXXX XXXX in XXXX XXXX Florida, they stated all credit cards which that was suppose to be the only thing I was discharging NOT my mortgage or car payment. However he stated all had to be included and monitored and after I will resume back my mortgage and car lease on my credit history. I have to state I never missed or was late paying my lease. 

After my discharge I noticed on XXXX XXXX which I get monthly to see how my credit score was. I checked in XXXX, XXXX. It was around XXXX or so and it looked as if my credit was going up a few points each month. However when I checked again XX/XX/XXXX my score dropped 60 points. I was confused and I called Toyota immediately and explained why did my score go down when I pay each month on time. They could not help me to answer the question. I later on looked at the XXXX XXXX and notice in RED that the amount of my lease was {$7200.00} appearing as it was put on my credit history as a loan and not INSTALLMENTS. 

I called Toyota several times to explain it was incorrectly submitted wrong and it made my credit utilization go up in which it caused my credit score to drop drastically. No matter what I said they were not able to help me or understand, maybe because I did understand why myself how to explain. 

I called again this year XXXX in XXXX XXXX to Toyota. After speaking to a friend that make it clear to state it was suppose to be installments not credit on my credit report. Toyota still were unable to help this situation to be fixed. 



Per my past history of years before my bankruptcy my credit report was good for many years however I was unable to continue due to sickness I had no choice to write off my credit cards have always paid on time on all my credit cards At this present time I do not have the exact dates that I called Toyota but I know they will remember this because I did call at least 5 times and I sounded familiar to them with this situation. If I need to get the dates of the actual calls I will have to go into the history of my XXXX cellphone and track the dates which is time consuming but if needed I will attempt to do so. 
Thank you very much on assistance to this matter. 
XXXX XXXX