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

I received multiple overdraft and return fees when the bank accepted automated transactions that I clearly did not have the funds for, instead of stopping them from going through. Now I'm penalized because Bank of America doesn't know how to say " no ''. 

XX/XX/XXXX- original balance {$1100.00} rent transactions {$920.00}, {$450.00}, {$1.00} = - {$260.00} overdraft fees {$35.00}, {$35.00} = - {$330.00} XX/XX/XXXX XXXX transaction {$11.00} = - {$340.00} overdraft fee {$35.00} = - {$380.00} maintenance fee {$12.00} = - {$390.00} XX/XX/XXXX- XXXX deposit {$46.00} = - {$340.00} XX/XX/XXXX XXXX  transaction {$130.00} = - {$480.00} XXXX transaction {$9.00} = - {$490.00} return fees {$35.00}, {$35.00} = - {$560.00} XX/XX/XXXX- XXXX return {$130.00} = - {$420.00} XXXX return {$9.00} = - {$410.00} XX/XX/XXXX XXXX transaction {$130.00} = - {$550.00} return fee {$35.00} = - {$580.00} XX/XX/XXXX XXXX return {$130.00} = - {$450.00} XXXX  transaction {$9.00} = - {$460.00} return fee {$35.00} = - {$490.00} XX/XX/XXXX- XXXX return {$9.00} = - {$480.00} XX/XX/XXXX- fee refund = - {$410.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items that do not belong to me. 
Please block/remove these items : XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I've applied for American Express XXXX XXXX card in order to extend our present AmEx credit portfolio. We, XXXX XXXX XXXX, were seeking for a product, which would enable us to earn additional rewards points on shipping and advertising products, which is a main reason why we chose that product and I, XXXX XXXX, decided to apply for it. However, my application was denied/rejected. 

While I was researching for a denial reason, I've been serviced with such reasons - quote 'Your consumer credit report indicates your payment history has been unsatisfactory ; The number of your payments in relation to the overall balance on your American Express account ( s ). ' Which is complete blasphemy. None of my credit report from all three major credit bureaus indicates a single missed payment, nor an account in collections. On top of that, I have an excellent payment history in general and the same could be told about my personal and business account with AmEx, a member of which I've been since XXXX. 

Additionally, I currently don't have any high balance on any of my card, especially personal ones. They all have been paid for, in time respectfully. 

Also, during the research, I've noticed that American Express didn't even obtain a copy of my recent credit report since I don't see a hard inquiry on any of major credit bureaus and especially in XXXX 

As proof of my words, I'm attaching the copies of my credit report, indicating excellent credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to XXXX credit union about XXXX accounts i do not recognize on my credit report and have not received updates. I believed my mail was stolen from my previous address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and credit cards were open using my name and old address.A XXXX XXXX XXXX XXXX acount was also opened that I promptly paid in full to avoid further damage to my credit. my new address has also showed up as XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, TX XXXX and XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX the correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Debt collection

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. I have never had XXXX account in years and to be more specific I have never opened any account in years. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before.. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
Product: Student loan

I have had extreme difficulties paying back my private student loans. Access Group will send emails to me saying to call they can help and options, when in fact they have no options. Access Group put XXXX of loans in default, even though there was no technical default ( meaning the accounts were not XXXX past due ). Most recently, I was 177 days past due. I went to make a payment so as not to default, but Access Group and " suspended activity '' on the account, making it appear that it was impossible for me to make a payment. They did it on a Friday, so that if I had tried to pay over the weekend, my accounts would, in fact, have gone into default. I was finally able to make a payment, I consider these unfair practices and fraud.
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX  Account # : XXXX However , they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

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 an 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.

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a letter of dispute to this company via certified letter and never received a response back from them and they continued to report the same disputed information on my credit reports without noting that I was disputing the information.
Product: Debt collection

On XX/XX/XXXX, I received a letter of Debt Collections in the mail from XXXX XXXX XXXX XXXX requesting a debt of {$380.00} that is now in collections from a fraudulent account with PayPal that was created in XX/XX/XXXX. My legitimate PayPal account has a {$0.00} balance and I had no knowledge of any negative balance or debt owed. I called PayPal on XX/XX/XXXX to report this as fraud and my case is active at the moment. During this call, I learned that the fraudster used my SSN and name to generate an account under an email that does not belong to me. PayPal did not send me any written, telephone, or electronic correspondence to me regarding this account creation, transactions, or debt owed when they had my information on file already from my legitimate account. They failed to protect me as a consumer and exercised gross negligence in preventing fraudulent activity on their platform, evidenced by my case and the countless postings online of the same nature. My time, financial wellbeing, and credit worthiness all have had an impact by PayPal failing to notify me of any new creation of an account or debt owed, and reporting fraudulent activity to a debt collector. I am demanding that PayPal never open any accounts using my SSN or other personal information and that this fraudulent debt be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be a fraud, see attached FTC Report. Moreover, no adequate information has been given, and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the FCRA section 611 ( for inquiries ) this companies violated my consumer right, I did not authorize nor have anything to do with the following inquiries. 

XXXX. XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was sued for a credit card bill while I was in the hospital. I paid the balance of the judgment as well as an extra {$160.00} to cover the post judgment interest. This payment was made directly to the court prior to the court date for garnishment. After this payment in full, the lawyer for the collection agency has filed multiple court papers trying to collect this debt ( that is already paid ) and has even gone so far as to get a garnishment order with the court because the attorney never updated the interest due with the court, the over payment to cover the interest is still sitting in court escrow. Now 30 days past the date of the payment this collector as a garnishment order for money that has already been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters into experian, XXXX, & XXXX. the letters are attached with the dates that they were sent via certified mail. These three bureaus have yet to update my credit report and remove these negative items.
Product: Debt collection

In response to Prestige administration Chief Officer MrXXXX XXXX on XXXX XXXXand contacting him at XXXX. 
I don't have no contact with him as Prestige has violated my ADA Disability Civil Rights under Department of Justice. 
Prestige has no right in trying collecting {$10000.00} from me as the vehicle was return in excellent condition and Prestige knows that I am XXXX Lifetime and Retired and State and Federal Courts Judge orders of my Lifetime XXXX was provided to Prestige Administration. 

Prestige needs to delete the derogotory collection on my XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX immediately. Charge Off/Collection. Prestige has implemented Charge off.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are fraudulent : XXXX  XXXX XXXX {$540.00} XXXX XXXX {$490.00} XXXX XXXX {$710.00} XXXX XXXX XXXX {$1100.00} XXXX  XXXX XXXX {$1700.00} XXXX XXXX XXXX {$430.00}
Product: Checking or savings account

On XX/XX/2023 I filed a dispute with my bank at Wells Fargo regarding a transition with The Guarantors. Wells Fargo informed me that they would investigate and a provisional credit was issued. On XX/XX/2023 the provisional credit was reversed and Wells Fargo informed me that the claim was denied. I informed the agent on the phone that I had adequate documentation that I was never allowed to send in as well as correspondence between myself and the original merchant to prove my claim was valid. I was told once we deny a claim its a loss I have compiled all evidence of my disputed transaction and would like my money back. As well as a THOROUGH investigation to take place. Not once was I given the option to submit documents nor was I asked any questions about where or who to call. Im confused as to how this investigation was carried out. If Wells Fargo did their due diligence they would have considered all aspects.
Product: Student loan

I spoke with Navient on XX/XX/2023 and advised the amount that I could afford to pay is {$100.00} in monthly payments. They refused to accept my offer and indicated that I would be required to make a payment of {$250.00} instead. I informed the rep that I would not be able to make those payments and it would result in the payments being delinquent. At this point, I am sure that Navient does not want to assist me in coming to a repayment that works for us both so I am left to file this complaint. Additionally, my loan should have been discharged in the Navient XXXX settlement but instead they sent me a check for {$260.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I recently moved services with XXXX back in XX/XX/2018 but I was unable to transfer my services because it was offered at our new location. I paid my final bill with XXXX and went about my business. Today I get a notification from XXXX, XXXX and XXXX that I have a collection on my credit report for {$260.00}. Please investigate and have said company remove this collection from my credit report as I am preparing to buy a home. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted TransUnion regarding inaccurate information on my credit report. However, I have not received a response to date. The specific inaccuracies are as follows : The reported Balance of {$8700.00} for the XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX ) account is incorrect. I recall the balance to be lower, and I request that you remove the inaccurate Past Due amount. Since this account is closed and charged-off, it should not be reported with a Past Due amount. I also request that you mark this account as disputed to prevent any negative impact on my credit score. 
The Balance of {$4800.00} reported for the XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX ) account is inaccurate. I recall owing a lower amount, and I request that you remove the inaccurate Past Due information. Additionally, since this account is closed and charged-off, it should not be reported with a Past Due amount. This inaccurate information has negatively impacted my credit score, and I plan to contact the creditor to rectify the situation. In the meantime, please mark this account as disputed. 
The Balance of {$710.00} reported for the XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX ) account is also inaccurate. I do not recognize this amount and believe I owe a lower balance. Additionally, the Past Due amount reported for this account is inaccurate as it should not be reported for a closed and charged-off account. I intend to contact the creditor to rectify the situation, but in the meantime, please mark this account as disputed. 
The reported Balance of {$33.00} for the XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX ) account is higher than the amount I remember owing. Furthermore, since this account is closed and charged-off, the reported Past Due amount is inaccurate and should be removed. I plan to contact the creditor to correct the distorted information, but in the meantime, please mark this account as disputed.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a hard inquiry that has appeared on my credit report obtained from your agency. After reviewing my credit report, I have identified this hard inquiry that I know is inaccurate and should be removed : XXXX XX/XX/2023
Product: Debt collection

We have been paying on this debt for XXXX months ( it is being automatically withdrawn via debit card ) and had no idea there was any problem with this payment. We recieved a voicemail threatening to bring XXXX police officers to our house if we did not pa y and that the state department was involved.There was not an attempt to resolve issue in a businesslike manner, just a very threatening message. 
This company also left a similar message on XXXX of our family members voice mails and said the police and state department were looking for me and gave him all kinds of false information. 
I have made contact and gave this payment over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection on my credit report for {$3600.00}. This collection was paid with a " Pay for delete '' agreement from a collection agency. I have the agreement sent to me on the company letterhead and it is still not being deleted from my reports. Also, I am not able to dispute on XXXX because they will not allow me into the online portal or accept my phone calls due to an unknown error.
Product: Credit card

I applied for a credit card through Golden 1 Credit Union with a credit score of XXXX and no derogatory information on my report. I was told that I was denied because the number of inquiries reporting within the month of XXXX was excessive. I explained that I'd just financed a vehicle and that the dealership ran my credit multiple times without my consent, totalling 10 unauthorized inquiries. I also explained that a representative from XXXX stated that it was illegal for financial institutions to enforce policies that penalize consumers for having multiple hard auto or mortgage inquiries within a 30 day period, as the sum of those inquiries only counts as one ( 1 ) inquiry. Golden 1 responded by saying that there calculation method simply doesn't account for that, and that due to the number of hard inquiries on my report there was nothing they could do in terms of making an exception regarding the credit card approval. They suggested that I dispute the unauthorized inquiries ( which I have ) and apply again in 6 months.
Product: Credit card or prepaid card

I paid my card last like twice and they canceled it and now Im getting bills like if its still open