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

On XX/XX/21 I reviewed my Business checking account with Bank of America, and saw that my account had insufficient funds. On XX/XX/21 I checked my account again using online banking and found that there were 4 overdraft fees applied to my account for transactions that were submitted while my account was in the negative. I do not have overdraft protection, and never opted in to overdraft protection. The bank never received an affirmative consent from me regarding utilizing this service. 

I called ( XXXX ) XXXX to have the fees waived. I spoke to 2 different agents that told me they could not remove the fees. I was transferred to a supervisor name XXXX to ask him to remove the fees since I did not opt-in to overdraft protection. He refused to remove the fees, he stated that the bank paid 4 transaction as a courtesy although there were insufficient funds in the account to cover the charges. He also stated that there was an overdraft fee applied to each transaction that the bank decided to pay although the account did not have the funds to cover the transaction. And that they would not remove the overdraft fees. This is in blatant violation of Section 1005.17 ( b ) ( 1 ) and ( 4 ) that explicitly states if the bank choses to pay a transaction while an account has insufficient funds, they are prohibited from charging an overdraft fee for that transaction if they do not have affirmative consent from the consumer. 

I explained to XXXX that it was against the law for them to charge me 4 overdraft fees amounting in {$140.00} since I did not opt-in to overdraft protection. He still refused to waive the fees.
Product: Checking or savings account

I disputed about 13 transactions on my account dating from XX/XX/XXXX through XX/XX/XXXX. For the total amount of {$5100.00}. The reason why i am disputing these charges is because the merchant failed to provide expected services, Services not rendered and inadequate customer service to resolve any issues. I had annitially filed my complaint back on XX/XX/XXXX. I had filed a dispute for all those charges. I was told to wait 7 /10 business days. I waited 10 and called and they stated that they were filed wrong. I was angry that they did not file the paperwork properly. I filed a new dispute and had to wait another 10days. It had seemed that every person who i spoke to during thus whole ordeal that i asked names of and phone numbers all had a different story to tell but nobody had the information correct. After almost a month of filing paperwork they are still not providing me with sufficient evidence in regurds to my dispute. I have cought them in lies and deceptive behaviour a number of times.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I submitted a ticket to Coinbase. The company has a vault feature where they will hold funds until two separate email addresses approve the withdrawal into the normal fund account. I submitted a ticket because my secondary email address was not receiving the email to approve the transaction. I've called twice while waiting over an hour to get a human response on both occasions telling me they couldn't do anything. The tickets that I have on file continue to be updated with the generic/robot answer saying they are working on it. It has been one month that I have had to sit idly by and not be able to touch my funds. The company is absolutely inept and incapable of fixing even the most simplistic tasks, while also continuing to take on millions of customers they can not provide customer support to. I have not had access to my money/crypto-currency for over a month. They refuse to reset my account in any way shape or form and I need access to my money they are holding XXXX. I am at my wits end with having zero customer service and month long waits on having a simple account reset.
Product: Credit reporting or other personal consumer reports

They did not follow the proper law in regards to reporting a collection account without notice, nor has the collection account proven the account is mine. They are not able to verify the account as they have claimed, as I have never had an account with that company nor who they claim to be the original creditor. I have sent dispute all certified mail they have had more than the required time to respond.
Product: Debt collection

Today I got a collection placed on my credit in the amount of {$1600.00} when I never got any written notification of the debt to pay or to dispute a company by the name of Security Credit Services this company has never contacted me never sent me anything skipped the process of verification and payment to the to the original creditor and immediately placed the account on my credit without a call and not even a letter of verification to dispute consumer was never contacted by original creditor for account to be resolved accurately. Consumer contacted original creditor due to never receiving merchandise in a timely manner and was being billed for payment when product was not received company advised they would not bill consumer and issue credit due to being billed for a product that was in delay in shipping as of today 's date consumer was told to keep paying for a product never received in a timely manner waiting on an update to the account. Company never called back after consumer advised of this issue and was waiting on a resolution that never occurred many times calling no one would know exactly what happened nor would they give credit for the delayed no product but still wanted a payment as of today 's date original creditor has never resolved the credit disputed by the customer and wanted money when they was to issue a credit or update a new contract due to delayed product company wants clients to pay for a product not received or delayed when they know the customer does not have the product due to delay I immediately advised that how can you pay for something when the customer does not receive it in a timely manner per the agreement
Product: Credit reporting, credit repair services, or other personal consumer reports

False reporting to Big 3 Credit Bureaus. Issue resolved and closed. The incident is also impairing my ability to acquire personal credit.
Product: Credit reporting or other personal consumer reports

I am submitting another complaint regarding several unresolved issues that demand immediate attention. According to FCRA XXXX XXXX, it is imperative to remove any items listed on FTC REPORT # XXXX. Previously, I have provided these items in a prior correspondence, and I am reiterating them here alongside my new FTC report # XXXX. I have apprised my legal counsel of my intentions, and they are prepared to pursue accountability should there be willful noncompliance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX -EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX Please note that you have a four-business-day window to remove the reporting of any fraudulent items from my credit file. I do not consent to XXXX or any form of automated verification. Your swift attention to this matter and a response within four business days would be highly appreciated.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/ or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA-you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

It is also my understanding that Under the FCRA 15 U.S.C 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT and NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : XXXX XXXX- Account # XXXX This account has multiple inaccuracies and is reflecting negatively on my TRANSUNION credit report, This account does not belong to me and should not be reporting on my credit file, I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting VALIDATION ; that is COMPETENT to evidence BEARING MY SIGNATURE showing that this account belongs to me. 
Please DELETE for inaccuracies! 

*XXXX- Account # XXXX Is reflecting negatively on my TRANSUNION, XXXX, and XXXX credit reports.I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting VALIDATION ; that is COMPETENT to evidence BEARING MY SIGNATURE showing that this account belongs to me. 

*XXXX- Account # XXXX  This account reflects a DEROGATORY status on my TransUnion credit report and this account has never been late and has always been paid up to date. Please UPDATE this account to a positive status. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights under 15 USC 1681 have been violated by Experian. I made several attempts in the past to remind you of your duty pursuant 15 USC 1681 & 15 USC 1681e ( b ). You are intentionally and willfully being neglectful in remedying my affairs. I am due & promised accuracy in my report based on federal law. I also have the right to privacy and I did not give Experian written permissions to furnish these accounts :. XXXX XXXX XXXX, Account number : XXXX. XXXX XXXX XXXX, Account number : XXXX. XXXX XXXX XXXX, Account number : XXXX
Product: Credit reporting or other personal consumer reports

ANY CONSUMER REPORING AGENCY.. 15 US CODE 1681B ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or SUBCHAPTER IIICREDIT REPORTING AGENCIES 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
( Pub. L. 90321, title VI, 602, as added Pub. L. 91508, title VI, 601, Oct. 26, 1970, 84 Stat. 1128. )
Product: Debt collection

During my stay I applied XXXX for this bill, In fact I sent this information to the hospital through their financial aid department. this company should not be coming after me for payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, and again on XX/XX/2022 I filed disputes with all 3 credit bureaus transunion consumer solutions, XXXX, and XXXX. I disputed 4 items on my credit reports that are not mine. They are : XXXX. XXXX XXXX account # XXXX Account is not mine. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, ACCOUNT IS NOT MINE. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT #. XXXX, ACCOUNT IS NOT MINE. 
XXXXXXXX XXXX XXXX ACCOUNT NUMBER XXXX. ACCOUNT IS NOT MINE. I HAVE SUBMITTED ALL PROBER PAPERWORK AND PROOF AND HAVENT HEARD ANYTHING BACK REGARDING THESR CLAIMS. PLEASE HAVE TH ROVE THESE FALSE ITS FROM MY REPORTS, THANK YOU.
Product: Checking or savings account

Third party compa ny (    XXXX   XXXX   ) gets delayed " current balance '' information, hindering money being electronically deposited.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Management Lp has a collection reported to the 3 Credit reporting companies that is part of a fraud investigation. The account number for Credit Management Lp is XXXX. I would like this to be removed from all Credit Reporting Bureaus as it is fraud.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXXXXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX AV XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$9800.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$44000.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I went to Bank of America XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX to ask a question about an HSA. An attractive XXXX woman greeted me with a hand held device in behalf of Bank of America and refused to let me or anyone else speak to banker unless we gave her our debit card number or drivers license to input our personal information into her hand held device. I refused and she became nasty and refused to let me see a banker. I tried to complain and she told me to go ahead. Never heard of this in my life.
Product: Mortgage

Hello, I have applied for a loan assumption due to divorce on my mortgage with loan care. 

On their application, and their numerous responses to me they only indicate a fee of XXXX $ is required to do the assumption. 

I received a loan estimate that indicates I have to pay an additional XXXX $ to close the loan, ontop of what I already paid to loan care. 

No where in the application does it indicate there are additional fees or closing costs.
Product: Debt collection

My elderly mother XXXX XXXX was XXXX XXXX 2015 and I her daughter XXXX XXXX went a gathered all her bills to be paid, XXXX account with Synchrony Bank was delinquent and was sent to " XXXX XXXX, XXXX '' in the amount of {$310.00}, I paid the account in full on XX/XX/2015 XX/XX/2015 Synchrony Bank sent a statement with a new balance of {$94.00} with no previous notification or services provided to my mother. I sent Synchrony Bank in writing a letter stating the account was settled, they sent back a letter to her to contact the collection dept. to be better able to assist her. So together we called and they stated they do not deal with XXXX or any third party companies! I read the letter to her and she asked that I hold as she tries to remove the fees ... ... Comes back and states she can not remove the fees. They keep sending statements with more late fees now. Also the account is frozen and she can not use the card for her XXXX needs at this time. So I am now contacting you for assistance. Thank you
Product: Checking or savings account

That was the name given to me, they reached out asking for my consent to use my pictures on my XXXX account for a painting for the " XXXX XXXX XXXX XXXX XXXX '' and said I would receive a cut of the profits, which would have been {$850.00} out of a {$3000.00} total they were gon na be paid for said painting. First they sent me XXXX checks for {$500.00} each totaling {$1000.00}. They instructed me to send this money to their " painting supplier '' via XXXX. At this point I tried sending the original money back wanting to back out but they refused. The " painting supplier '' was XXXX XXXX to whom I have the phone number of, also of the original scammer. Afterwards they made me send {$500.00} through XXXX XXXX for more " painting supplies. This is where I started to find suspicion and attempted to send their money back but they kept telling me to send more money to a different person named XXXX XXXX XXXX, who's email and phone number I also have. After blocking them on XXXX and continuing our conversation via text messages, they accused me of trying to steal their {$1000.00}. They threatened to get their " uncle that works for the FBI '' involved to get me detained. After that they kept harassing me to send their money to the XXXX XXXX XXXX when I had already sent it. The next day I had to contact my bank to confirm with them that I was trying to make those payments so I could get this person 's {$1000.00} out of my account as soon as possible. Then they made me send {$50.00} XXXX times to a person named XXXX XXXX, which I also have an email and phone number. these {$50.00} deposits were to bypass the flagging of the {$500.00}. Afterwards they sent me even more money, first being a check of another {$500.00} to have me send even more money. They had me get XXXX and send this money to XXXX XXXXXXXX XXXX which went through. Then they wanted me to send {$130.00} to XXXX XXXX via XXXX for " delivery fees '' but that did not go through. Then another {$500.00} was sent to me to have me send {$400.00} to another XXXX account which I have the email off. Afterwards a back and fourth occurred. They then had me attempt a wire transfer with my bank to XXXX XXXX which also didn't go through. They continued to harass me to send more money to XXXX, XXXX payments of {$50.00}. And finally they wanted me to send {$1800.00} from the checks they deposited to my account via XXXX XXXX to XXXX. They had deposited a total of {$7000.00} in checks which was supposed to cover all the payments for the project and they had me send a total of {$5200.00} to all the people listed above. After the last transaction my bank returned all the checks for money that I didn't have anymore causing my account to overdraft to roughly - {$2500.00}. We had another back and fourth where I questioned them and they blocked me. After contacting my bank they were unable to give me any information to help me. They also never attempted to contact me, Now my back which is JP Morgan Chase if foreclosing my account which will appear on my record for years, and refusing to do any further bossiness with me in the future..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made. Assuming no one cares either way, delete the noteworthy of any information in my credit record that came about due to an alleged fraud : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AR XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax credit profile is blocked from creditors and lenders. I have contacted Equifax several times to resolve this issue however my profile is still block. Furthermore there is supposedly no freeze on my report however lenders still can't access my credit profile. The lender that is having problems pulling the report is XXXX XXXX XXXX by way of XXXX XXXX.
Product: Credit card

Yesterday I filed a complaint against Synchrony Bank regarding a high interest rate that was applied to my account with knowledge of what a deferred interest rate was and requested the interest rate to be removed and resolve the issue immediately by giving me a hardship plan to finish paying the balance. This evening I received a letter with false information stating I filed bankruptcy so they can not offer me anything?!?! I told them if I cant get them to resolve this issue then I would have to file bankruptcy!! Clearly these people dont know how to handle situations and communicate effectively!!
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXX/XX/XXXX