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

In reference to the investigation XXXX. On XXXX XXXX, 2016 at about XXXX. I went into the CITIBANK XXXX on XXXX XXXX to pay {$1500.00} towards the installment loan # XXXX. XXXX XXXX employee of CITIBANK directed me to the ATM machine to help with the payment. I gave him {$1500.00} towards the payment and I also wanted to open a bank account to deposit money I had with me. He assisted me at both the ATM and the teller window and advised I needed to withdraw to open the account. I did not realize until after I came home that he did put the {$1500.00} towards the payment instead only {$840.00}. I would like CITI to investigate what was done with the money. I came in with CASH. There has to be video of the transaction where you can confirm what was done while I was in the branch on that day. If in fact something was done in error then I would like the money to be placed back towards my loan. I am requesting a re-evaluation of the transaction and have this employee questioned. I am providing proof of my transactions as I always keep a record of my deposits and keep the same patterns. I did not understand why he insisted I go to the ATM machine and not do this transaction with the Teller directly.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXXXXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX
Product: Debt collection

Affirm calls all day and night for the past XXXX months. I understand I owe the debt. I plan on paying with my tax refund but the obsessive calls multiple times a day is harassment. It's upsetting and a disruption. Calling all day every day and threatening emails to report on my credit is unnecessary.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of an account being reported on my credit report. 
The account in question is APPLE CARD-GS BANK USA and is currently showing a charge-off status with a credit utilization of 285 % .This information is inaccurate and misleading as it is mathematically impossible to have a credit utilization exceeding 100 %. This erroneous reporting is negatively impacting my XXXXredit score and hindering my ability to obtain credit.I request that you investigate this matter promptly and remove the inaccurate information from my credit report. Enclosed is a copy of my credit report for your reference.I look forward to your prompt attention to this matter. Please contact me at ( XXXX ) XXXX or XXXX if you require any additional information.
Product: Checking or savings account

I have a checking account with renasant bank. When I opened the account I was told to opt out in order that my debit card would be declined if I tried to use it and I had insufficient funds to cover a transaction ; however I was not told that I needed to sign a form requesting that checks, bank drafts or other payments be rejected for insufficient funds. So in one year I have paid over {$2000.00} in overdraft charges because they paid all transactions regardless if the money was available or not! In one week alone I paid 6 overdraft charges of {$35.00} each! I am disabled and live on a fixed income! My husband and me have had to deal with this everyday almost the entire time weve had this account! Weve called, and recently were told that we needed to sign a form in order to stop items being paid to avoid more overdraft fees! But it continues! Now because of their excessive overdraft charges they refuse to cash or deposit an insurance check made out to my husband and me for a claim we filed when my husband had a car wreck! They have financially ruined us and I wont stop until they are held accountable and we are reimbursed for these fees! This has to be made illegal! Also often times we would make a deposit the same day as a transaction came thru and they would claim it beat our deposit! So guess what! Another overdraft fee! This bank is in XXXX Mississippi XXXX. I will find a lawyer to hold them accountable
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. Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX Account Number XXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXXXXXX XXXX Account Number XXXXXXXX XXXX Account Number XXXXXXXX XXXX Account Number XXXXXXXX XXXX XXXX Account Number XXXX
Product: Student loan

Nelnet is my loan servicer. I have applied for the XXXX repayment plan. They have sent me an email saying in order to be on the plan I need to make a one time payment by a date. The letter did not say the amount or the date, it just left it blank. Then it sent me a letter saying my request was approved, but not what the request was and that I would get a follow up email, which I didn't. The Federal Student Aid website said my application was completed in August and they completed their review in August, but my account was changed to XXXX XXXX and I'm still not in the XXXX plan. I have emailed them, filed complaints with the FSA and I'm getting nowhere. The interest on my loan would be subsidized if I was on the plan, but because I'm still not on the plan they are collecting the full interest and my loan is growing, which is not supposed to happen on XXXX. 

The loan servicer does not answer the phone or emails. How can a company be allowed to manage millions or billions of debt and have no rules to adhere to, they can't manage the accounts they have. This is unfair to every borrower.
Product: Credit card or prepaid card

I purchased a US Bank XXXX prepaid card at a local grocery store on XX/XX/XXXX. Days later, when I tried to use the card, my transactions were getting declined. I went online to check the card status and its balance to make sure it was activated correctly and saw there were several unauthorized charges on the card already ( without my knowledge ). I immediately called US Bank customer service number on the back of the card ( XXXX ) to file and report and dispute the charges. I was asked to faxed in the following information : front & back of the card, my first and last name, my address, and my phone number. I included those info plus the purchase receipt as well as my photo ID and faxed them to ( XXXX ) XXXX as requested. The card was immediately locked and no further use was allowed. Afterward, I did not hear back from US Bank on when would I receive a resolution to the issue nor when I would receive a replacement card as promised by the phone representative. Several months later, on XX/XX/XXXX, I called US Bank customer service number again to inquire about the case. The customer representative at this time told me that they did not get a response from me so they closed the case. For the record, I was not contacted by US Bank either by phone or by mail even once after my faxing of the requested documents above. Then I was instructed to fax my info again to a different fax number ( XXXX ) XXXX, the Lost and Replacement Department I believe. I promptly did so on the same day. However, about a week later, I received a voice mail coming from US Bank saying that I'm not eligible for a replacement with no clear reason given. To date, more than 4 months after my purchase of the product, I still can't use it and I'm out of the original purchase price.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate. 

I request that the following actions be taken immediately : Investigation of the mentioned violations. 
Removal of the unauthorized accounts from my credit report.

Exclusion of any obsolete information in compliance with 15 USC 1681c ( a ) ( 5 ).

Correction of any inaccurate information in accordance with 15 USC 1681s-2 ( a ) ( 1 ).

Notification of the correction to any person who has received my credit report in the past six months.
Product: Credit reporting or other personal consumer reports

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5-day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Your organization is in breach! 
According to 15 U.S.C 1681 section 602 A, it stipulates my entitlement to privacy.

Referring to 15 U.S.C 1681 Section 604 A Section 2, it prohibits a consumer reporting agency from providing an account without my written consent.

Additionally, 15 U.S.C 1681c. ( a ) ( 5 ) Section specifies that a consumer reporting agency can not include certain adverse information in a consumer report, except for convictions of crimes dating back more than seven years. 
Furthermore, 15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits the provision of inaccurate consumer information to any consumer reporting agency, if known or suspected to be inaccurate. 

Listed below are the Accounts that are being challenged XXXX XXXX
Product: Debt collection

Over 5 years ago, I enrolled in a debt consolidation program with XXXX XXXX XXXX, a company you are currently suing. I finished my program, in which XXXX. sent me multiple confirmations that all of my debt had been resolved and/or settled. I currently found out through a credit check for an apartment application that one of my debts, Bank of America, was not fully resolved and has been collecting interest, as well as damaging my credit for the past 4 years. I have not received any notification from XXXX. or B.O.A. that I still owed anything in an effort to collect or settle this debt that XXXX. confirmed that they did. Attempts to reach out to XXXX. to fix this issue have failed, as they are now stating that they did not resolve the debt, and will not take responsibility for their failure to settle. On top of that, I had to pay taxes from a XXXX that has " debt cancellation '' printed on it for the amount that XXXX  confirmed they settled for. If I owed them, instead of them issuing a debt forgiveness, how is it that I have to pay taxes on it as if it were income? XXXX  from B.O.A. and XXXX. could not provide any answer to that. 

Moreover, they failed to satisfy yet another account during my program, as XXXX XXXX XXXX XXXX served me a wage garnishment order, in which my debt with them was resolved. XXXX   again, did not fulfill their agreement to me or my program for debt consolidation and resolution. I am now stuck with past due account of approximately {$5000.00}, in which XXXX. nor B.O.A. has notified me of in the past 4 years. XXXX XXXX XXXX did not fulfill their obligation me as a client and has left me in a worse financial situation from when I started.
Product: Debt collection

I was contact by way of a bill from the IRS stating that I owed approximately four thousand dollars. I Then contacted via a phone call to inform them that this must be a mistake, and was told that a 1099C form was filed by a company by the name AmeriCredit to which I have not heard of before, my research lead me to GM Financial, I then contacted them by phone to inquire about this account and made it clear that I was unaware of this account existence, I was then told by the GM rep I need to file a fraud report and wait for them to investigate, but never received the documents for their internal investigation. After waiting a month, I then sent my own letter to GM Financial/AmeriCredit, which was received on XX/XX/2019, XXXX XXXX Delivered, Front Desk/Reception/Mail Room XXXX XXXX, TX XXXX. In this letter I informed GM Financial that they had filed a 1099 C with the IRS in error and that they should contact the IRS to resend that the 1099C they filed or provide me with evidence that the information was not filed in error. As I explained to Gm in my written statement, I was on aware of this account and that the following documents, should be provided. A contract with my signature that created this transaction, and agreement made between myself and GM or any of its subsidiary to settle this alleged forgiven debt, payments history of the alleged account, and a copy of the 1099C form that was filed with the IRS.

I am reaching out to the Consumer Financial Protection Bureau because my request for these documents to prove to the IRS whos coming after me for this supposed forgiven debt has gone unanswered by GM financial.
Product: Credit reporting or other personal consumer reports

During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity via 15 U.S.C 1681i ( a ) ( 1 ) ( A ).
Product: Mortgage

My loan was sold to a new mortgage services company, XXXX XXXX XXXX, and I was never notified by my existing mortgage service, Gateway Mortgage Group. it is my understanding they are required by law to notify me within 30 days of my loan being sold. Instead, I received a bill from the XXXX XXXX XXXX informing me that that my mortgage loan had been sold to them. On the same day I received a monthly bill from Gateway Mortgage Group. It is 6 days before my next mortgage payment is due and I have never received any letter, information or been contacted by Gateway Mortgage Group informing me of the sale of my loan. Isn't this a violation of Federal Law? Aren't they required to notify of the sale of my loan?
Product: Checking or savings account

I opened my checking and savings account with Wells Fargo about 10 years ago together with my mortgage account. I was told by Wells Fargo that both my savings and checking accounts would remain free of charge because I have a mortgage account with them. 

On or before XX/XX/2023, Wells Fargo started charging me {$10.00} fees per month on my savings account for not meeting the minimum balance despite the fact that I was never notified about the change. I proceeded to close my account in XXXX and Wells Fargo continued to charge me {$10.00} fees per month from XXXX through XXXX. 

It is outrageous for Wells Fargo to deprived my money without proper notice and despite my repeated efforts to resolve the issue.
Product: Credit reporting or other personal consumer reports

The late payments showing on this account is completely inaccurate. I keep immaculate records of payment history across all my bills and accounts, and there should be no late payment showing here. Inaccurate late payment like this is preventing me from obtaining credit that I'm trying to apply for because it's affecting my credit worthiness. Please be aware that inaccurate credit information can't be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian has XXXX posted and should be deleted
Product: Credit card or prepaid card

I was charged a {$30.00} late fee on my XXXX XXXX XXXX Credit Card for missing a payment. The problem started when I went to make my first payment, but the card had not yet been mailed to me, so I could not check my balance or pay it online. I then had to go into the store to pay my balance, but they couldnt tell me how much exactly I owed. I knew it was {$97.00} and some change, so I just paid the {$97.00}, which was well over the minimum that I owed. When I received the card in the mail I went online to pay the remaining balance, but it wouldnt let me make a payment because it was less than {$1.00}. A couple months later I was charged almost {$30.00} in late fees for not paying off the card. I was not send an email, and I was also not allowed to pay off the balance, so I should not have been charged a late fee at all because I was not allowed to pay the remaining cents, therefor, I didnt not try to make another payment since I had not used the card since. Now I have a late payment on my credit score, the only one out of almost 100 payments. I paid the late fee, but I would like that late payment erased from my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is with a financial institution and a credit card bureau. 

I am a customer of XXXX XXXX  ( phone ) XXXX ) ( address ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX I applied to XXXX XXXX for a credit line extension on XX/XX/2023. I was told by phone that my TransUnion credit bureau report has a fraud alert. I was told to call TransUnion and have it removed. I stated to XXXX XXXX  I did not place a fraud alert on my credit report. I called TransUnion credit bureau ( phone ) XXXX. TransUnion stated by phone they did not place a fraud alert and they have not at anytime place a fraud alert on my credit report. I made 3 phone calls to XXXX XXXX and 2 phone calls to TransUnion. 
This incorrect mistake can be solved with communication between the two companies. 
XXXX XXXX said they won't call or contact TransUnion.to solve mistake. 
TransUnion stated they will not call or contact XXXX XXXX to solve mistake. 

I would like this mistake resolved and fraud alert removed from my XXXX XXXX credit line extension application? This has caused a stop on my credit line extension application. Please contact me about solution Thanks-
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/2021 and Several times prior to that. 


Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$0.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$1.00} Reason : Account is fraudulent
Product: Credit reporting or other personal consumer reports

To : CFPB, XXXX, XXXX, Equifax ; XXXX XXXX XXXX XXXX; I am submitting this formal dispute regarding the inaccurate and inconsistent reporting of my TDRCS/Jordans Furniture account ( Acct # XXXX ) across all three major credit bureaus. The discrepancies are as follows : XXXX and XXXX report a balance of {$910.00}, while Equifax continues to report an outdated charge-off balance of {$5900.00}. 
This account was settled for {$3000.00} in XX/XX/year>, yet no accurate updates have been made across the credit bureaus. 
I have not received the required IRS 1099-C form for the forgiven portion of the debt, raising further compliance concerns. 
Despite multiple attempts to resolve this matter with both the original creditor and the credit bureaus, the account remains inaccurately reported, in violation of the Fair Credit Reporting Act ( FCRA ) : Section 623 ( 15 U.S.C. 1681s-2 ) : Obligates furnishers of information to ensure accuracy and completeness when reporting to credit bureaus.

Section 611 ( 15 U.S.C. 1681i ) : Requires credit reporting agencies to investigate and correct disputed information promptly. 
Additionally, the Consumer Financial Protection Bureau ( CFPB ) recently took enforcement action against XXXXXXXX XXXX XXXXXXXX, which owns XXXX XXXX, for similar violations. In XX/XX/year>, the CFPB cited XXXX Bank for repeatedly furnishing inaccurate consumer information to credit bureaus, failing to correct errors, and neglecting reasonable investigations into disputes. The CFPB ordered XXXX Bank to pay {$7.00} XXXX in restitution and a {$20.00} XXXX civil money penalty. This case highlights systemic issues with TD Banks reporting practices and further supports my request for the removal of this inaccurate information. 

Supporting Evidence I have attached documentation that demonstrates : The discrepancies in reported balances and account statuses across XXXX, XXXX, and Equifax. 
Proof of the settlement payment made in XX/XX/year> for {$3000.00}. 
Screenshots of the conflicting information, including incorrect reporting dates and balances.