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

I've had numerous fees taken from my account due to overdrafts done within my XXXX grace period, just as recent as XX/XX/23. All overdrafts were done within XXXX of receiving my XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I filed a complaint with XXXX, XXXX and TransUnion about discrepancies on my report. I also sent court documents that I received from my bankruptcy discharge. XXXX just sent me an email stating that the creditors that disputed with them are showing as accurate and verified. I need help resolving this matter. I feel like my rights are being violated.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of a fraudulent account appearing on my credit report. I am a victim of identity theft stemming from a data breach, and the following account was fraudulently opened without my authorization : Creditor Name : XXXX XXXX  o Account Number ( Partial ) : XXXX o Date Opened : XX/XX/year> o Balance : {$0.00} Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and pursuant to 15 USC 1681c-2 ( a ), I request that this account be blocked from my credit file and deleted permanently as it is not valid and was established as a result of identity theft.
Product: Checking or savings account

I opened a business checking account with huntington on XX/XX/year>. The account had a promotion that if I deposited XXXX dollars by day 30 and held through day 90 I would receive a {$1000.00} bonus for fulfilling these requirements. I did this, but the bank has not paid out the bonus. I have emails that state I signed up for the promotion and have fulfilled the bonus requirements. 

I have attached the email I got when opening account and the pdf attached to that email with terms of offer.
Product: Checking or savings account

I have both checking and money market savings accounts at Citibank. On XX/XX/2019, a large deposit of {$210000.00} came in to my checking account from XXXX. When I got the XXXX, 2019 statement,, I saw that the interest rate was very low ( near zero ), I went to the Citibank XXXX XXXX branch on XX/XX/XXXX and saw that there was a Cit Savings account promotion to pay 2.00 % interest for 3 months ( up to {$2500.00} ) with a {$25000.00} deposit. After that, it would pay 0.57 %. 

The manager at the branch said I could get the higher interest rate if a new account was opened. So my old savings account was closed and a new account was opened on XX/XX/XXXX. These are the relevant account numbers : Checking account- # XXXX Old Savings account- # XXXX Ultimate Savings Account ( USA ) New Savings account- XXXX XXXX Citi Savings The original balance on the new account after the transfer was {$260000.00}. The current balance on XX/XX/XXXX is {$200000.00}. The account balance has been over {$200000.00} since it was opened, well in excess of the required {$25000.00} minimum.balance. 

I received higher interest for XXXX of about 1.30 % which was a little less than I expected but at least it was higher than before. But then at the end of XXXX, I was shocked to see that the account only paid an interest rate of 0.12 %. I went to the branch and asked why the interest rate dropped so much, and they said they thought I was entitled to the 2.00 % interest rate from XX/XX/XXXX through XX/XX/XXXX. They filed an internal inquiry with Citi headquarters to get the higher 2.0 % interest rate paid. 

But at the end of XXXX, I was shocked again to see again that the interest rate for XXXX was again only 0.12 %. I went to the Citibank XXXX XXXX branch this afternoon fo find out what happened. The branch manager told me their internal request was rejected. I couldn't understand why it was rejected, but he said it was because the new funds from XXXX were originally deposited in my checking account more than 5 business days before the new savings account was opened. Even if this is true, this was never explained to me when the new account was opened, and I could have invested with another bank offering a higher interest rate. Overall, I think their 2 % promotional offer was highly deceptive and they should have told me before hand if I was not eligible for the 2 % promotional rate.
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 items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Debt collection

Portfolio Recovery calls me multiple times a day from different numbers. I keep blocking them but they keep coming up with new ones. They are calling well under the two hour between calls limit and more than three times a day. Sometimes they are calling five to six times a day. The calls are coming in from an hour after the one call to sometimes right after they call the first time. Im done with this.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$380000.00}
Product: Credit reporting

I tried downloading my free annual credit report a few months ago using my XXXX, and XXXX apparently is n't a supportive browser, because the websites locked up, and I had to restart my phone, so I was never able to review my credit report. I should also note, I ordered all XXXX reports at once. XXXX now states that I 've viewed all credit scores. Can this be reset so I can view my reports?
Product: Checking or savings account

I was charge double overdraft for sometime twice a month this situation went on until I switch to another banking.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a letter from freedom mortgage that shows we never missed a payment. Our mortgage was bought out and it shows past due, past due amount {$0.00}. This is effecting our new lending process. This has been attempted to be fixed through XXXX XXXX and XXXX
Product: Debt collection

I was contacted by The Stark Collection Agency , Inc. reguarding alleged debt owed to my internet and phone provider, XXXX. I provided The Stark Collection Agency , Inc. with all applicable billing statements and payment reciepts showing that my account was paid in full. They are still insisting that I owe this debt. On XX/XX/year> at XXXX I reached out to XXXX  to discusse this issue. They advised me over the phone that my account was NOT sent to collections and that my account is current as of XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020, I pulled my credit reports from Experian and XXXX  and I realized that there were unauthorized inquires on my credit reports. I sent letters to both bureaus, Experian and XXXX, stating that the information reported was inaccurate and requesting that it be removed and I haven't received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights.

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

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

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 can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TD Auto Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have to the right to privacy.

15 U.S.C. 1681 Section 604 A, Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

National Credit Adjusters is reporting a collection to my credit report at all 3 credit bureaus. 
I have no idea what this debt is and I'm positive it doesn't belong to me. 
I wrote National Credit Adjusters demanding proof, and they sent copies of documents, but none had my signature or any proof that I applied for this loan. They had no proof that I ever made any payment on this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXXL XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number XXXX XXXX Account name : U.S. DEPARTMENT OF EDUCATION Account number : XXXX Account name : XXXXXXXX XXXX XXXX  Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account XXXX : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX I Account number : XXXX Account name : XXXX XXXX XXXXXXXX XXXX Account number : XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

Bank of America Pre paid card payments unreceived and still unresolved. On XX/XX/XXXX months after unreceived payments and a resolution to a debit card missing payments claim that I was denied of {$800.00} I never received. I received communication instead by email that the card is no longer available for my funds. I was later contacted by the Bank of America claims department that they decided to reopening my missing payments claim and that they would contact me with the resolution. I never received that call. I never received a resolution. No answers from the Bank of America claim center were received or resolved over this period of time. I was finally able to get through to Bank of America claims agent XXXX, on a recorded line. It shows according to this agent I was granted a resolution in my favor that they never payed out. I never received that communication until XX/XX/XXXX when I called and I was finally connected to someone that wanted to help. A duplicate account was found by Sarahs manager who would not speak with me about it upon my request. This account shows a duplicate account that was created unbeknownst to me. The Consequential harm continues. The faulty fraud protection program hardship continues. I asked to speak to a supervisor and waited for XXXX hour XXXX mins and was hung up on after finally speaking to someone with no resolution. Im am now 507 days after receiving of my initial communication and counting. I was told in my initial email that Informed me to only contact the Bank of America claim center for this resolution to these funds. Today was my final attempt of contacting the Bank of America pre-paid card claim center Agents to receive the resolution. The Contact for Bank of America Call Center given to me for this task, from my initial Communication is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has now been 30 days since my dispute with the company. None of the account listed in my documentation has been notated as disputed, remove during the investigation, nor have I received any kind of communication of dispute. 
Experian has been negligent during this investigation and is in violation of 15 USC 1681i. 
see attached documentation
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 or other personal consumer reports

I requested that my personal information be updated with the XXXX major credit reporting agencies. As of this date this information has not been updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settle my account with this company on XX/XX/2022 and its still reporting missing and inaccurate information
Product: Debt collection

CREDITOR IS NOT ORIGINAL ACCOUNT GRANTOR, DISPUTED TWICE BEFORE ASKING FOR ORIGINAL RELATIONSHIP DOCUMENTS BEARING THE CORRECT GPS LOCATION DATA VALIDATING THE DEBT WAS LEGALLY OBTAINED. I RECEIVED NO COMPLIANCE, I THAN ASKED CREDITOR TO PROVIDE ME WITH THE METHOD OF VERIFICATION USED TO INVESTIGATE THIS CLEARLY INACCURATE DISPUTE? ALL I ASKED FOR WAS THE ( CONSUMER CONTRACT BEARING MY WET SIGNATURE ) TO VALIDATE THIS ALLEGED DEBT BELONGS TO ME AND I STILL HAVE NOT RECEIVED ANY COMPLIANCE WITH THIS COLLECTOR. Please have collector provide ORIGINAL DOCUMENTS AND statements stating the debt belongs to me, the debt was sold, or the debt was purchased. FDCPA legal time frame STATES YOU MUST inform me WITH A NOTICE ( 5 days ) OF YOUR ORINGINAL PURCHASE DATE, ABOUT THE PURCHASE OF THE DEBT. Please provide original relation documents betwen original creditor or remove this from my account for it is a violation of the FDCPA to try to collect on debt that you not verify as correct or true, If you claim to have verified this account and claim to have sent the formal notice of obtaining the debt than please send original copies of documents sent or remove this my report.
Product: Credit card

My XXXX was XXXX XXXX XXXX XXXX XXXX  in mid of XX/XX/2024. I have been frequently taking her to XXXX XXXX ( XXXX XXXXXXXX XXXX  ) and other hospitals for XXXX XXXX XXXX XXXX XXXX Around the same time I have lost my Wells Fargo credit card ( Ending XXXX ). Since I was upset and distracted by my XXXX XXXX XXXX I didn't notice until later XXXX with lots of Unauthorized transaction totaling around {$7000.00}. I reported to Wells Fargo right then. Now I seen the charges back and they are not ready to resolve it. I try to figure out myself about those charges and most of them seems likes to be online purchases. I want Wells Fargo to provide the details of their investigation like where were those online transactions made and where they were delivered. Since they are not doing their job I will do my investigation and figure out. This is unfair with me to pay for something that I did not make use of or not authorized by me. I want all the reported charges credit back ASAP. 

I am already in a lot of XXXXs due to XXXX XXXX XXXX. Please Assist.
Product: Checking or savings account

My cell phone was stolen about a week ago ..And my mail box key at friends and XXXX XXXX on XXXX in XXXX won't close my account because they changed my pin number without notification... please help I just opened this account and I need it ... I had an previous relationship with an XXXX XXXX XXXX and I think it's them. ... ( XXXX XXXX or XXXX XXXX
Product: Student loan

Good Morning, My understanding around re : federal student loan payments, is that I am allowed the option to apply excess payments to the principal of my loans. 

I have Stafford and Graduate Plus Loans through Great Lakes, for my graduate school loans. 

Prior to the pandemic, I did not often have the opportunity to make excess payments to my loans. At this time, I understand my loans to be in forebearance, due to the federal order. I have begun making excess payments on my loans. However, Great Lakes does not allow for the excess payments to be applied to anything other than the interest, if there are loans with interest. I've noticed their website specifically states that excess payments must be applied to the interest first, then the principal. 

Please help clarify this situation. Have I misunderstood the law? Or are they blatantly being allowed to violate the law in plain site without repercussion? 

I have attempted to contact them through their Contact Us service. I do not have the time to call, as I am a XXXX XXXX, on a XXXX XXXX XXXX, embedded in a community hospital, and we have been swamped. I have not received a response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Third Party Credit Bureaus XXXX, Equifax XXXX XXXX XXXX : Dispute Regarding Unauthorized Disclosure of Nonpublic Personal Information under 15 U.S.C. 6802 I am writing to formally dispute the unauthorized disclosure of my nonpublic personal information by XXXX XXXX XXXX XXXX. Under the provisions of 15 U.S.C. 6802, I am entitled to privacy protection regarding my personal financial information, and it has come to my attention that this right has been violated. 
On, XX/XX/year> became aware that my personal financial information was disclosed to XXXX XXXX XXXX without my consent and without providing me the opportunity to opt out, as required by federal law. This disclosure was done in violation of 15 U.S.C. 6802, which mandates that financial institutions provide a clear and conspicuous notice of their privacy policies and obtain explicit consent or provide an opportunity to opt out before sharing such information with nonaffiliated third parties. Notification of Negative Information ( 15 U.S.C. 1681c-1 ) : Financial institutions are required to notify consumers within 30 days if they furnish negative information to a consumer reporting agency. 

I demand that you take the following actions immediately : 1. Cease and desist any further unauthorized disclosure of my nonpublic personal information.

2. Provide a detailed explanation of how my personal information was shared, including the specific information that was disclosed, the identity of the parties who received it, and the purpose for which it was disclosed.

3. Rectify any adverse effects caused by this unauthorized disclosure, including but not limited to, contacting the third parties involved and ensuring the removal of my information from their records.

4. Provide written confirmation of the steps you have taken to address this issue and ensure that such an unauthorized disclosure does not happen again in the future.

Please treat this matter with the utmost urgency. If I do not receive a satisfactory response within [ reasonable timeframe, such as 30 days ], I will have no choice but to escalate this issue to the appropriate regulatory authorities and consider taking further legal action to protect my rights.

I trust that you will address this matter promptly and seriously. I look forward to your timely response. 
Sincerely, XXXX XXXX
Product: Debt collection

I am asserting my rights as the Consumer pursuant to Title 15 U.S.C 1692a Monterey Collection Service fraudulently reporting to XXXX credit agency on XX/XX/2018 an alleged debt without proper validation of the alleged debt. I have no contract with Monterey Coll SVC. They haven't spoken to my peers, which is the only way the can validate the debt. 

The only way Monterey Collection Service or anyone or thing can put something on a credit report is by Federal judge order or I asking as the Consumer and Authorized Representative. I most certainly didn't request to have this added to my report nor did a Federal judge order to put anything on the credit report for the NAME I am the Authorized Representative of. 

Monterey Collection Service is in violation pursuant to 15 U.S.C 1692a ( 2 ) Monterey Collection Service is in violation pursuant to 15 U.S.C 1692e ( 1 ) Monterey Collection Service is in violation pursuant to 15 U.S.C 1692d I will use my rights as a Consumer pursuant to 15 U.S.C 1635 to rescind any signature I will use my rights as a Consumer pursuant to 15 U.S.C 1692g ( c ),
Product: Credit card or prepaid card

XX/XX/2022 : Capital one refuses to give cosigners of credit cards online access. 

I was told by several supervisors and workers that in order for co-signers to get access to the online portal we have to use the same username / password across all users of the credit card. So I would have to use the Primary owners credit card user/password. By doing that it will give us all access to all credit card information on the username. 
That is absolutely unacceptable, as I am not the cosigner on any of the other accounts by that user and should never have access to all of his account information. 
the fact that they say that each credit card is only allowed 1 log in is against financial protection laws.
Product: Credit reporting, credit repair services, 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. XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish my 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: Debt collection

XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Seriously past due date / assigned to attorney, collection agency, or credit XXXX & XXXX ; XXXX internal collection department XX/XX/XXXX {$170.00} XX/XX/XXXX 0 % Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : {$170.00} XXXX XXXX XXXX XXXX Collection XX/XX/XXXX Seriously past due date / assigned to attorney, collection agency, or credit XXXX & XXXX ; XXXX internal collection department XX/XX/XXXX {$130.00} XX/XX/XXXX 0 % Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : {$130.00}