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

My bank charged me an overdraft fee and a extended overdraft fee. My account was overdrawn for 5 days and I received a XXXX $ fee. This is not my first time having trouble with suntrust bank. My check is only XXXX and they are taking XXXX for 5 days. This extended overdraft fee is anew policy that I am unaware of. this bank is a rip off and will take money any chance it gets. please help me get my money back! Suntrust
Product: Credit reporting, credit repair services, or other personal consumer reports

Target Credit is reporting my credit card length and payments incorrect. I have spoken to customer service several times and they still are reporting incorrect status. It is showing on my XXXX that I have only made 56 % payments on time which is outlandish and very incorrect. 

I opened this credit card on XX/XX/2011 but target is not reporting any payments and saying NO DATA on my credit report. They need to fix this as its effecting my credit report and making it go down.

Target needs to fix my payments and show they have been on time instead of no data. This is hurting my score. 

Thank you for all your help, I am trying to purchase a home for my family and need this fixed.
Product: Debt collection

On XX/XX/2022 PRA did a soft credit check on XXXX. I want to know why they checking my credit? is this for the same account? 

I only have one account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquires are on my credit report without my permission and the credit bureaus will do nothing about them : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have an account with XXXX. The account was opened using my phone number and email. I never closed the account neither did XXXX. I carried a balance for a long time that I paid off. XXXX, in the same account using the same app and information, at XXXX time, gave me credit again allowing me to finance purchases through them. My available credit was increased during the holiday months. On my credit report, XXXX is reporting XXXX different accounts, one paid and closed and late payments and another showing paid on time. I NEVER had more than XXXX account with XXXX. My credit score is better now than it was in XXXX and XXXX and they allowed me credit up to {$2000.00} during the holidays and now are saying I am ineligible because of my FICO score but my FICO score was not an issue during the holidays when they increased my available credit without me asking for an increase.
Product: Checking or savings account

I was discriminated against by the customer service because I didn't understand English very well and said my cousin was my uncle. She closed my bank account and I haven't received any money from my bank. I tried to call her several times but she fooled me and didn't really help me
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 # ( private case number ) 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

All XXXX  credit bureaus have inquiries that I did not do. They are from a car dealership. I do not have a car and did not request for one- my husband did and used his credit. Not only did they do that but they continued to call me after I stated on the calls that i did not authorize them to do this and they continue to send me letters regarding that I am " pre-qualified '' for. They are all in XX/XX/year> and have auto on them
Product: Credit reporting or other personal consumer reports

When I go to submit report Experian is saying it is a duplicate. I uploaded the paperwork showing where it had bad information on file and requested it to be deleted, because the file was once removed from creditor. How it has reappeared after years. It is a charge off account same account with XXXX XXXX. It showed a past due amount, {$2300.00}, Credit limit of {$3000.00} and creditor has issued a 1099-c in the past. 

Attached are historical credit reports pages XXXX, and XXXX dated XXXX  showing before and after deletion. 

Attached is a recent credit report showing past due amount credit limit for charge off. 

Attached is current report showing amount has been wiped out to zero but historical data shows wrong information of past due balance, credit limit along with charge off. Data is still incorrect and at this point should be removed from my account and credit report all together by deletion.
Product: Checking or savings account

XXXXMetaBank has yet to post direct Deposit from my employer. This has been happening to several people and everyone is getting different answers and a run around as to when they are getting their money.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus that I am complaining about have not only defamed my character, they have violated my rights to privacy and caused me emotional and physical stress!!! I want them to cease and desist the reporting of this erroneous and deceptive information on my consumer report. Delete the public record from my consumer report and all their systems. Why are these public record still on my consumer reports when they are unverifiable and I have sent proof that they are unverifiable? 

Public Record - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THEY CLAIMED THAT THIS INFORMATION WAS PROVIDED FROM XXXX XXXX, XXXX OR THE BANKRUPTCY COURTS BUT I HAVE PROVEN THAT IS NOT TRUE. I HAVE ATTACHED THE LETTER I RECEIVED FROM THE COURT THAT SHOWS THE COURT DOES NOT VERIFY PUBLIC RECORDS AND THE LETTER FROM XXXX XXXX THAT SHOWS THEY HAVE DELETED THESE PUBLIC RECORDS FROM MY CONSUMER REPORT DUE TO NOT BEING ABLE TO VERIFY THE ACCOUNT WITH PACER OR THE COURTS. I HAVE ATTACHED THIS LETTER AS WELL. THIS SHOWS PROOF AND YOU MUST FOLLOW SUIT SINCE THESE LOCATIONS ARE WHERE YOU CLAIMED THIS IS WHERE THE INFORMATION CAME FROM AND PERMANENTLY DELTE THIS BANKRUPTCY FROM MY CREDIT REPORT. 
My inquiry to the U. S. Bankruptcy Courts confirmed THEY HAVE NEVER VERIFIED THIS PUBLIC RECORD, or verified this public record entry on my credit report, neither will they ever be by them. XXXX XXXX NEVER VERIFIED THIS WITH THE COURTS OR WITH PACER. The US Bankruptcy Court further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unaware to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currentlyshowing under my social security number to be PERMANENTLY DELETED from my consumer reports immediately. 

They need to provide me with copies of all documentation associated with the Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number.

They have not only defamed my character, they have violated my rights to privacy and caused me emotional and physical stress!!! Cease and desist the reporting of this erroneous and deceptive information on my consumer report. Delete this account from my consumer report and all your systems. 
Cease and desist the reporting of this erroneous and deceptive information on my consumer report. Delete these public records from my consumer report and all your systems. 

I have attached all of the proof I have that they are violating my rights. The letter from XXXX XXXX and the courts along with my dispute.
Product: Credit card

On XX/XX/year> XXXX deducted {$54.00}. XXXX from my bank card. 

In XXXX, 2024, I realized i was misled to believe the First Progress card was more like a debit card and not a credit card. I called company a few days later in XX/XX/year> to close card and asked for refund. The company closed card, but refused to refund the {$54.00}. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Original Creditor : XXXX XXXX XXXX ) # XXXX, XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX ALL 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 or other personal consumer reports

Ive tried to dispute these accounts multiple times through Experian and also XXXX XXXX  for about 2 years now. These XXXX XXXX accounts were supposed to be forgiven and transferred to the government. The accounts have been reopened without my consent or knowledge on the date of XX/XX/XXXX but the official date to these accounts were XX/XX/XXXXXXXX
Product: Credit reporting or other personal consumer reports

I would like to have for yall to remove my closed XXXX account from my account please this is a negative item reporting on my credit. Section 604 15 u.s code 1681 B.

Section 605 A 15 u.s code 1681 C-1 Section 605 B 15 u.s code 1681 C-2. 

If this account is not removed action will be taken place because yall are not abiding by the law please and thank you
Product: Debt collection

This company has falsely reported this debt on my credit report. This debt has been discharged via bankruptcy. This company has violated Ohio State Bankruptcy law by continuing to attempt to collect. Filed on XX/XX/XXXX. XXXX. Discharged XX/XX/XXXX. Medicredit was provided Bankruptcy documentation in XXXX and acknowledged the debt was no longer valid and all collection efforts would be stopped. I have suffered financial damages as a direct result of this companies illegal activity. I am pursuing legal action against this company.
Product: Money transfer, virtual currency, or money service

I have been dealing with the Bankk OF America Thieves for over 30 years never have I ever dealt with such BULL and lies from any bank. I was informed that a fraudulent check was deposited into my account while being out of town on XX/XX/XXXX and my account was shut down while out of town. The uncaring XXXX had the nerve to tell me that my account was going to be closed because I commited fraud. I'm not the smartest person on earth but I do know that if I committed fraud I wouldn't have waited 30 years to do so ... XXXX XXXX XXXX  XXXX  ... .I should have listened to ppl when they tried to warn me about this trifling bank of thieves but I didn't and this is why I'm in this situtation. I'm tired of asking for my money that belongs to me now on XX/XX/XXXX they finally sent my check out after already causing me to go into a Eviction Status where I live and I have never once been late on my rent in 5 years and I want BO Thieves to compensate me for the incomentence and neglignce. When I received this check that I supposed to have deposited the Signature didn't match mines - 1st Red Flag, The amount of the Check - @ nd Red Flag, XXXX signed the check using my name and writing For Deposit only was the 3rd Red Flag In 30 years I have always signed my checks with my Signature and my acct # and the last Red Flag was the incompentent employee that called me and stated the deposit was made outside of my normal region that I deposit in all these Red Flags but I'm responsibe. I want my money to me no later than XX/XX/XXXX or I will sue for pain and suffering and causing me to go into an Eviction Stage when all you idiots had to do was return my money to me in the amount of {$2500.00} which I still don't have since XX/XX/XXXX. Sure the post office may have lost my check but had you never caused anny of this bull I wouldn't be in this mess. I called the post office and they said you can track the check which your lazy employees refuse to do. I'm tired of your excuses eiter have my money to me in full on XX/XX/XXXX or be prepared to be sued for paid and suffering and my money. I will walk into the bank and get my funds in Cash or I will contact a lawyer to make an example out of you for playing with my funds and telling me I have to wait 121 days for the check to be returned that's your problem not mines. I will be telling the ppl when I go to Eviction Court this is all your fault Ban of Thieves.
Product: Mortgage

My Mortgage was sold by XXXX XXXX XXXX to Carrington Mortgage Services in XX/XX/XXXX. At the time my mortgage was past-due after a failed attempt for mortgage modification. I contacted Carrington who then told me to pay varying amounts never equaling the amount actually do on my account. In XX/XX/XXXX I was told that my home would be foreclosed on regardless of the amount I paid, if I did not include the fees which were unsubstantiated. I paid the amount past due and brought my account current in XX/XX/XXXX. Since that time I have requested several times for a break down of the " Overdue '' charges on my bill. My payments in XXXX, XXXX and XXXX have been on time ; however the Overdue amount continues to increase without explanation. I paid a convenience fee of {$5.00} on XX/XX/XXXX while making a payment online ; this additional amount was deducted from my bank account along with my mortgage payment. On the subsequent bill the charge was added back into the " overdue payment '' on my account. Again I questioned the charge I was told per a manager that it must be a fee from XXXX XXXX XXXX which came over late, despite a listing of convenience fee on the bill. I was also charged a {$20.00} property inspection fee in late XXXX. The explanation given was my account is overdue and it is necessary to verify I still occupy the property. Again the account has been current as of XX/XX/XXXX, outside of the disputed fees which appear on my account as overdue payments. My next call is to an attorney how is this company allowed to stay in business. Small fees add up when they are spread amongst numerous customers.
Product: Mortgage

Bank of America is processing a short sale. They are requiring the mortgagor to sign an authorization to release personal nonpublic information such as social security numbers, account balances, payment information to the real estate broker in the transaction.
Product: Credit card

I have a small business, and I made a XXXX XXXX credit card in XXXX that even after several calls could not solve the problem of my online access .to be able to schedule my payments. and because of that I forgot to pay on the right day. It's all paid for but it was reported to Equifax Business and negatively impacted my credit score. The value is {$170.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding XXXX XXXXXXXX XXXX inaccurate reporting of information on my credit reports, specifically between Equifax and XXXX. These discrepancies violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and have caused harm to my credit profile. 

Issues Identified : 1. Last Activity & Status Inconsistencies : Equifax reports the last activity date as XX/XX/2024. 
XXXX, however, reports the last activity date as XX/XX/2024. 

This inconsistency causes confusion regarding the accuracy and completeness of the account 's reported information. 

2. Account Status Discrepancy : The account status for the XXXX XXXX account is reported as Open on Equifax. 
However, XXXX reports the account status as Closed. 

This conflicting information raises questions about the account 's current state and the integrity of XXXX XXXX XXXX 's reporting practices. 

3. Late Payment & Payment Timeliness Reporting : The information regarding payments for this account is ambiguously reported. For example : Equifax shows " 92 % of payments made on time. '' XXXX, however, reflects " 0 % of payments made on time, '' which is factually misleading. 

These claims do not reflect my actual payment history and lack explanation of discrepancies, leading to harm to my creditworthiness. 

Violations of Consumer Protection Laws : These discrepancies violate the FCRA mandate that furnishers ensure the information they report is accurate and consistent ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ). Furthermore, XXXX XXXX XXXX has not demonstrated compliance with their duty to investigate and correct disputed information as prescribed under 1681s-2 ( b ). 

Resolution Requested : I respectfully request that the Consumer Financial Protection Bureau to order the removal of this account from my credit report. 

I am including copies of my credit reports and supporting documentation detailing the discrepancies described above. I kindly request the CFPBs assistance in resolving this matter as soon as possible.
Product: Student loan

I defaulted on my private student loan account due to a bank error, in which my check was returned although I had sufficient funds to cover the payment. In turn, this caused further delinquencies on my joint private student loan account, which has been negatively reported to the XXXX major credit bureaus. 

Attached is a letter from my bank, explaining the bank error that caused my account to go delinquent in XXXX 2015. I have tried disputing this directly with Navient and supplied them with the a copy of the bank letter, copies of all XXXX credit reports and they have denied my request to remove the negative credit markers against me, even though this was something beyond my control. 
I am asking that the delinquent markers be removed from all major credit reporting agencies.
Product: Checking or savings account

Hi so I started banking with XXXX  XXXX XX/XX/XXXX XXXX2025 and it hasnt been 3 months yet and they already restricted my account activity on my account. Im not sure what that means but this feel XXXX now because I stepped in the branch and they told me everything looks fine but still my account is restricted with no time frame or valid explanation this is very unfortunate for me because it left me with my high phone bill that I have to pay and I cant travel to work without accessing my money for transportation. I tried to not make it personal with them but they dont care and hang up on me
Product: Credit reporting or other personal consumer reports

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

The accounts below have violated my rights.

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

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

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

15 U.S.C 1681s-2 ( A ) ( a ) 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. 

Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

Between XXXX and XXXX of XXXX  charges were made by something called XXXX  that i did not authorize totaling {$15000.00} dollars. I have reached out to the compant numerous times and when I asked the company about them they stated that I toild them that was my son using my card. I said yes but I thought they were talking about purchases made on XXXX not some XXXX  thing. They refuse to remove them and have caused my credit to be destroyed and are charging me for these fraudulant charges. I expolained that through my medical provider I recieved a letter stating that my personal ionformation was compromised and they still refuse to corerect it. It is very obvious the amount and the number of charges are fraudulant but they cclaim they are my personal charges but they most certainly are not.
Product: Money transfer, virtual currency, or money service

I went to the branch to be given a number to customer service and was bounced from dept to dept stating they could not provide information to me because I don't have an account and I would have to call the branch The branch won't help because they said XXXX XXXX should handle.
Product: Mortgage

escrow recalculation due to error BY mortgage company .The escrow department had XXXX parcel id on file for this XXXX piece of property. Escrow paid XXXX annual tax bill on BOTH properties..one of which does NOT belong to me... they have corrected the tax billing however, since they do not have the money back from the incorrect payment on the incorrect parcel- they are expecting me to pay additional escrow money for their error..additional XXXX a month until they get their money back that they improperly paid out to wrong tax parcel id ..I should NOT have to pay additional money into my escrow and await 6-8 weeks for them to get their accounting straight and the money return from the WRONG TAX BILL THEY PAID... This is no error on my part..I have made numerous phone calls to straighten out THEIR incorrect paperwork. I should not be pentalized for THEIR ERROR..