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

BMO Harris claimed to have sent me {$200.00} in error due to a promotional promise. I opened up my account and was under the impression I would be getting {$200.00}. But when they did deposit it they claimed it was an error. Now they are charging me {$35.00} for overdraft fees as I STARTED TO SPEND THE MONEY THEY OWED ME. They also have my account negative {$50000.00}. My account should never be negative {$50000.00}. This is ridiculous. BMO Harris also sent out a {$50000.00} check without my permission to XXXX XXXX. They did not provide me with any tracking numbers or proof that they sent out this check other than their word. Their word is not good enough as they already stepped over their boundaries with my account. Now XXXX  XXXX is claiming they don't have the check and has not received it. BMO Harris being careless with my funds and trying to make me pay unnecessary fees behind it. I opened up my account during a promotion. If I was not guaranteed that money they should have never put it in my account. I spent most of the funds and am now negative in my account due to their error. And they have the nerve to charge me a fee as if they didnt already put me through enough. I have XXXX and XXXX  behind this. BMO Harris should have never made me feel like a criminal and tell my that my PO called up there. I record my calls. Their comments towards me caused me to flip out and get admitted into a hospital.
Product: Credit reporting, credit repair services, or other personal consumer reports

Union Bank is reporting a overdraft account that was taking care of, there should be no overdraft reported on my XXXX, the date reported is incorrect, i did not have an account with union bank in XX/XX/2018. please remove this from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per Experian website below and on their credit reports attached to this compliant, it states Experian uses XXXX XXXX as the furnisher of Bankruptcies. I requested XXXX XXXX to verify the source of their information. The results of XXXX XXXX investigation was the bankruptcies were unverifiable. Please see the attachment. XXXX XXXX mailed results are dated for XX/XX/2022. 

Experian sent a dispute letter to me, dated XX/XX/2022 stating the results of their investigation into the source of the bankruptcies were still pending. Experian sent another dispute letter, dated XX/XX/2022 stating the bankruptcies were verified. However my attached XXXX file and investigation letter resulted in a deletion of both bankruptcies from their credit file. 

This clearly shows that Experian is not doing investigations of complaints nor is it checking with the entity they hired to furnish the information of bankruptcies. 

The results were mailed to Experian under tracking # XXXX via USPS but shouldnt have had to be had Experian done their due diligence. 

XXXX XXXX XXXX
Product: Debt collection

To whom it may concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate and false information about me. The following alleged accounts are listed as a collection with a PAST DUE BALANCE OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted a complaint that I was unable to get my security freeze with Equifax lifted despite multiple efforts via my online Equifax account, telephone calls to their automated system and one call that finally landed a real person ( no previous calls did ) who admitted the system was down. Today I reached a live person who asked me 20 security questions, verified my identity and lifted the freeze temporarily. I have the pin number I was given when I first placed the freeze but she said the company doesn't use those anymore. Then she transferred me to technical support to get help over my inability to manage my freeze online. The agent, whose " purportedly only '' name was XXXX, asked me the same security questions and, after I gave her the exact same answers, she then claimed she couldn't verify my identity and refused to help me. I told her the last agent was able to and I also explained repeatedly that I could log into my Equifax online account, and get my credit info so I didn't need any of that, and I just wanted them to fix the link in my online account for " managing '' my freeze because the link doesn't work. I don't need the freeze lifted at the moment because the previous agent did it temporarily for me. But I want to be able to manage the freeze in the future. She refused to help me. What the heck am I supposed to do when I have problems like this in the future - when reaching a live human is almost impossible, their verification results are absolutely inconsistent, and all the automated things don't work? I foresee one coming because I just learned from the mortgage company that they may need to access my credit report again after 60 days, but I only lifted the freeze temporarily for 60 days. I should not have to go days and days fighting Equifax over getting this done properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

The date of last activity is incorrect. How can this account be charged off and it still showing a remaining balance! Why do all three credit bureaus have different account balances..I pay my accounts on a monthly basis. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. Not only Credit Bureaus violated federal law by not properly investigating within the required time frame, including Negligent Enablement of Identity Fraud..XXXX XXXX XXXX XXXX ( duplicate account, two trade lines ), 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  Account # XXXX, XXXX XXXX XXXX has violated my rights. 
XXXX  Account # XXXX, XXXX XXXX XXXX has violated my rights. 
XXXX Account # XXXX, XXXX XXXX has violated my rights. 
XXXX  Account # XXXX, XXXX XXXX has violated my rights. 
XXXX  Account # XXXX, XXXX has violated my rights. 
XXXX  Account # XXXX, XXXX XXXX XXXX has violated my rights. 
XXXX  Account # XXXX, XXXX XXXX XXXX has violated my rights. 
XXXX  Account # XXXX XXXX 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 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.
Product: Debt collection

I have been making payments to the hospital of XXXX XXXX for a couple of years. When they sent me to collections. I have since paid the hospital in full, however the collection agency in now sueing me for interest and court costs. Going to court XXXX/XXXX/2015 at XXXX.
Product: Money transfer, virtual currency, or money service

Zelle responded to my complaint without completely understanding. I accept the fact that I sent {$200.00} to a stranger, I wasnt asking for that refund! 
If I call zelle support ( their number I got online ) and they make me transfer money around to get a refund, and then cant help me when past a certain point, then i refuse to let this go. 
I want my {$800.00} back from Zelle. And I want my {$480.00} back as well. 
I called Zelle support multiple times and no one seems to understand that I was not scammed by a scammer, I was told XXXX XXXX XXXX XXXX XXXX BY A ZELLE REPRESENTATIVE. Zelle owes me the money they took from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of account below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX # XXXX XXXX has violated my rights. 

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

15U.S.c 1681 Sec. 604 A Sec. 2. Sates : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) States : No consumer reporting agency may make a report containing any of the following items of information, Any 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 ) States : 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.
Product: Mortgage

I request the removal of my PMI on my loan ( {$220.00} monthly ) from my lender. I has been trying to contact my lender, but after I sent certificate letter on XX/XX/XXXX, and I have proof of Federal Mailing office that they received on XX/XX/XXXX, and by E-Mail and phone calls, I do not have any answer yet. 
By Federal law if I owe the lender under 78 % of the LTV of my property they have to remove my PMI. 

Lender Name : Loan Care aka XXXX. XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX Need your help because the lender do not respond. 
Loan # : XXXX Address : XXXX XXXX XXXX, XXXX XXXX Phone : XXXX XXXX XXXX
Product: Debt collection

Capio Partners has violated my federally protected rights under 15 U.S.C.1692g. Per my consumer reports, this debt collector opened a collection account on XX/XX/2022 in the amount of {$1000.00}. I DID NOT receive a XXXX Validation Notice pursuant to 15 U.S.C. 1962g. As a result, I was not afforded my right to dispute this alleged debt within 30 days pursuant to 15 U.S.C. 1692g ( a ) ( 3 ).
Product: Mortgage

On XXXX XXXX, 2015 I closed on a mortgage loan from the Universal American Mortgage Co to purchase a new home. I advised the mortgage company representative that I would likely payoff the mortgage in the near future and inquired if there were any prepayment penalties or expenses. I was assured there were not any of these. When I closed on the sale of my former home on XXXX XXXX, 2015 I called the company and asked for payoff information to payoff the mortgage on XX/XX/2015.. I did not receive the requested information and after several calls submitted an email. I finally received a call advising of the following : 1. My loan had been sold to a loan servicing company to be effective XXXX XXXX, 2015. 2. I could not payoff the loan until I had submitted the XX/XX/XXXX payment to the original company. 3. On XXXX XXXX, 2015 I would then need to call the new company - The XXXX XXXX XXXX to arrange for payoff. 
This decision or possibility was never disclosed during the loan process and will require me to pay over an extra month of interest.
Product: Checking or savings account

Chase banks Are back dating fees on Wed XX/XX/year> I had 2 deposit one for XXXX and one for XXXX now from the last complaint the fee with over draft were XXXX when the deposit of XXXX went in the was not additional XXXX fee yet after the money was placed in the account then here come another XXXX fee no additional money was taking this left my account at XXXX the I moved that money and minutes later I received a additional deposit for XXXX this is when they back dated a overdraft fee charges to the XXXX of XXXX yet look at the screenshot and you will see if that was there it would have been taken out of the XXXX yet that's not the case I called them and asked them to fix it they put it in then took it out again now I had a another deposit on Wednesday and it's Saturday and still no funds available yet for the amount of my deposit that is what the account reflexes know that they only allow XXXX only to be overdraft on my account
Product: Debt collection

EASTERN ACCOUNT SYSTEM XXXX XXXX XXXX XXXX, XXXX, CT XXXX Account Number XXXX DEBT {$210.00} THIS COMPANY REPORTED {$210.00} DEBT TO XXXX, XXXX, AND XXXX. I HAVE NO KNOWLEDGE OF THIS DEBT AND THIS COMPANY IS NOT LICENSED TO COLLECT DEBT IN THE STATE OF GEORGIA. 
I ATTACHED A SCREENSHOT OF WHERE THEY ARE LICENSED AT.
Product: Debt collection

On XX/XX/XXXX I received a phone call from XXXX at Cedars Business Services. He was claiming that I received a traffic violation in XXXX XXXX back in XX/XX/XXXX that I never paid. I was quite confused as I have never received any correspondence from XXXX nor Cedars prior to this phone call and my trip was almost a year an half ago. I asked for documentation supporting this claim and XXXX emailed me paperwork from XXXX which states I received a violation for driving in a restricted traffic zone without authorization. I was in XXXX XXXX for only a few hours visiting the XXXX XXXX XXXX  XXXX and made sure to follow the rules and not enter any restricted zones. I also never received any ticket on my car or in the mail from XXXX. 

I did not know of any ticket until I received the call from XXXX on XX/XX/XXXX. He is asking to collect {$470.00} on a ticket that initially was for {$110.00} ( euros ). The additional charges were late fees accumulated on the account. I explained that I did not receive any correspondence relating to this ticket and had no opportunity to appeal and/or pay the ticket. XXXX told me that he has no ability to reduce the ticket and if I do not pay they will have to send it back to XXXX and they will hire legal representation. I asked if I could call XXXX to explain my situation and he told me they would not help me. 

Remaining hopeful, on XX/XX/XXXX, I reached out to XXXX to explain my situation and they told me that they could not help me as the matter was now with a debt collector. They recommended that I explain the situation to the debt collector and that they will be able resolve it. 

I feel helpless in this situation as I would never ignore a violation intentionally. I have never dealt with a debt collector in the past and am unclear if their practice is to scare us into paying this violation, especially with the significant amount of fees tacked on to the cost. 

I am hoping you can help me resolve this matter as this has caused a lot of stress due to the significant amount and the debt collectors practice of not listing or working with me. 

I appreciate your time and consideration.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 

XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Incorrect Information to Be Removed : - **Incorrect Names XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX Correct Information to Be Reported : - **Full Name** : XXXX XXXX XXXX XXXX - XXXXCorrect Date of Birth** : XX/XX/year> - **Correct Social Security Number** : XXXX - **Correct Address** : XXXX, XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting

My student loans have been discharged by the Dept of Education XXXX. My credit reports are not reflecting even after being disputed. I have also been a victim of unfair medicare billing and no matter how much I dispute it the credit reporting agencies and not listening or investigating. I am asking for all student loans to be deleted and my credit score to be restored after the corrections made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early last year, I applied for the XXXX XXXX XXXX XXXX program and in XX/XX/XXXX, my student loans were transferred from XXXX to XXXX. 

On XXXX XXXX, XXXX while checking my credit report, I noticed that my student loan balance was doubled because it was reporting twice. Upon further inspection, I realized that XXXX is still reporting my loan account as open with the full balance. 

I contacted XXXX that same day via chat to have the discrepancy resolved. I was told that I needed to dispute the information with the credit bureaus, at which point XXXX would confirm the account is closed with XXXX balance and it would be updated correctly. 

I submitted disputes with all three credit bureaus on XXXX XXXX, XXXX. On XXXX XXXX, I was notified by Experian that XXXX confirmed that the account was still open and the full balance was correct, so no changes were made to my credit report. 

XXXX continues to report erroneous information to the credit bureaus. My account is paid in full with them and closed ( which is reflected if I log into my account ) and yet they continue to report something different to the credit bureaus.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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  XX/XX/XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Someone had broken into my van and stole my wallet and Cellphone. They used a Discover credit card, maxed it out use what little information they had received inside my wallet concerning the discover card as far as cash advance pin number, my Social Security number, date of birth after they used the card and maxed it out, they called the creditor, pretending to be me, and requested that the card be closed, and a new one be issued due to fraud, they had a new card sent to a different address that was not on file and the creditor honored the thief request after contacting the creditor who held me responsible for the charges I filed XXXX police reports with XXXX XXXX XXXX XXXX department, and a complaint with the FBI Bureau of investigation in XXXX XXXX, Florida I provided copies of all reports to discover bank experience, XXXX and XXXX credit bureau. XXXX credit bureau removed it from my credit report but the fact that I had the police report an FBI number, but Discover card refused to accept the police report and sent documentation to XXXX, informing them that the account belong to me and that I am responsible XXXX  had informed me to reach out to your company for support she XXXX. I have made several attempts in the last few years. They had discovered understand that I am not responsible for the fraudulent charges that were made on my first account. It was their fraud department, who had screwed up. They close my first account that was requested by the perpetrator, and re-issued a new card with a new account that was not authorized by me nor requested, all credit cards were sent to a vacant lot by XXXX who said that they do not ask questions they laid the package in the middle of a field and walked away and this is documented on a police report. I am not responsible for these charges. I received no money, no goods and I have been trying to inform Discover that their people who handled this matter were a bunch of idiots. and thats also documented on a report.
Product: Debt collection

This not my account, have absolutely no idea what it is and where it came from, contacted creditors and no response..
Product: Credit reporting or other personal consumer reports

I had an XXXX  loan that was paid in full, but there were issues because I was refunded for the item I had used the XXXX  loan for. It is showing up as negatively reporting on all 3 of my credit report bureaus as 30 days late, when that was not the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative.
Product: Payday loan, title loan, personal loan, or advance loan

I received an advance from Albert.com on XX/XX/XXXX. The terms of their advances are they must be repaid 10 days later, making my repayment date XX/XX/XXXX. Instead of taking the payment on XX/XX/XXXX, the company withdrew money from my account on XX/XX/XXXX with no advance notice or consent from me. This left me with only XXXX cents in my account. This means I have no money to pay for groceries or gas for my car until I get paid again on XX/XX/XXXX. So for XXXX full days I will have no money to feed myself and my son and will have to find other means to survive until then. I contacted the company for a refund of this money that should not have been taken yet and they refused any possible solution I offer. They will only reply with scripted responses and offer XXXX solutions.
Product: Money transfer, virtual currency, or money service

My XXXX was constantly locked or unable to send money or transfer. There was never any real reason. They kept saying maybe I changed a password or login information which I never did. I wasn't able to pay people. But was able to receive money. There was also my account showing pending charges and my account being in the negative, but once all the pending charges go through my account is no longer in the negative. It is like they were purposefully trying to make me pay overdraft fees. I just don't understand why it takes 3-5 days for a pending charge to go through and 2 weeks for my XXXX to work only for it to not work in a few more weeks. What is going on in-between these transactions? 

XXXX transactions XXXX XXXX XXXX auto draft transactions the XXXX of every month which do not clear until the XXXX or XXXX of each month Transactions that stay pending longer than 2-3 business days.