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

I had four items coming out of my checking account within 3-4 days of each other. One withdraw was for a automatic payment to my overdraft account for {$25.00} dated XX/XX/XXXX. Two withdraws were for {$180.00} and one withdraw at ATM for {$60.00} dated XX/XX/XXXXTwo of the other withdraws were for XX/XX/XXXX at {$25.00} a piece. One larger one for {$400.00} was dated for XX/XX/XXXX.At the time there was {$100.00}  left in account on XX/XX/XXXX and {$88.00} in OD account, plus a upcoming payroll deposit of {$460.00} dated XX/XX/XXXX.The checking account was debited the {$400.00} amount first causing the other debits to come up short and causing 4 - {$36.00} OD fee charges. Then within two days of this incident a payment for {$45.00} was withdrawn, and I was charged for {$36.00} for a NSF fee. 
When I contacted the bank they had no viable information on how this happened or why it happened. 
During this time I had to scramble to borrow money from family members to cover shortage and extra fees that would be accruing. The bank charges {$36.00} OD or NSF fees plus {$7.00} a day for four days after transaction. This would have wiped out my upcoming pay period not to say that I was short half a payday for the next three weeks paying back my relatives.
Product: Credit reporting or other personal consumer reports

The late payment stated on my report is incorrect. No account can go from zero days late on XX/XX/XXXX to 90 days late on XX/XX/XXXX. This is mathematically impossible achieve. This is an error. Please mark the account paid as agreed never late.
Product: Consumer Loan

GM Financial did not put the correct information on the credit report. The credit bureaus are reporting that I did not pay what was told in full through explanation not the amount total. Even though, the amount total was XXXX balance, the explanation was damaging. GM Financial stated, " I did not pay in full and I was 120 days with the four payments. '' This was not true. When I found out that I owed this payment out of 2 years, I agreed to pay XXXX which was a settlement plus 80 payments which was all the payments owed. Somehow, this remaining balance came from change deferred payment which I was not aware of. The statement GM Financial reported to the bureaus brought my credit score down XXXX-XXXX points. Like the payment stood for nothing. I paid XXXX dollars and I request for fairness. I paid what was requested of me. They agreed to XXXX leaving XXXX % balance. Even though, I struggle to pay most of the balance at XXXX a month, I was not late with one payment. They left with the explanation that hurt my credit. I want respect for what I paid and I want my credit for my payment. I made it extremely clear I was paying this type of balance because of my credit. I paid what they requested on time for 6 months. I do n't deserve negative comments to ruin my credit. I went through threats and strangers calling my phone about a balance I did not know I owed. When it came to collecting the balance, I gave no negative comments or refused to settle, I just paid. Please, be fair to what I paid and how I paid. I was not 120 days late during these payments. Please, correct this statement and be fair to the agreement. I paid what was requested on time I was not 120 days late. A company should not have the right to have so much power to ruin your credit. So, I am requesting for fairness toward what I paid on time. Thank you.
Product: Credit reporting or other personal consumer reports

I pulled my credit report and noticed inaccurate information.
Product: Credit card or prepaid card

They said that I have a penalty APR but I am not sure why they did this. I called to lower my APR but they said that I could not lower my APR. I called multiple times but they said that it could not lower from 32 % APR interest rate starting in XX/XX/XXXX. I would love to pay this card off but the interest rate is extremely high.
Product: Mortgage

My husband and I went through severe financial hardship over the years. He went through XXXX XXXX, lost his business, rebuilt it then went through an embezzlement by his partner. I lost my job, was on XXXX, still XXXX but working to make ends meet.We were not able to make payments. When I tried to make a large payment to catch up the lender said the whole back payments and penalties and fees need to be paid also. I asked for a loan modification and they denied it saying the reason is showed ability to pay When I asked my single point of contact what that meant she was not able to tell me. She said she would contact underwriting and clarify and get back to me and didnt. I also tried to appeal the modification denial but was denied again. Still with no reason The name on the loan is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up to closed complaint XXXX TransUnion was to have removed a derogatory account from my credit report as I had documentation from the agency stating as such. 

Now, all of a sudden, my credit score with Trans Union has dropped by 47 points. That makes absolutely no sense to me. If they successfully removed / deleted a derogatory account, I should not have had a 47 point drop. 

I would appreciate this being dug into as I highly suspect the deletion of this account was done incorrectly on the Trans Union side
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 ITEMS in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting ITEMS as unverified information without providing any proof within the period allowed by law. The following ITEMS need to investigate and corrected for erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$71000.00} XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$6900.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX  Balance Owed XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$4000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$14.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$700.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$3300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX Balance : {$13000.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

This agency violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. Unjust business practices, third-party communication, and other violations caused by this agencies use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the XXXX XXXX XXXX XXXX XXXX XXXX, the Attorney General and The Federal Trade Commission ( FTC ) have been filed, dispute letters have been mailed to this agency ; supporting documentation will be furnished.
Product: Vehicle loan or lease

I hope all is well. Im not able to merge my Ally Auto account with my Ally Bank account. Now Im not able to see my Ally Auto account at all to make a payment or anything. Can you please assist me with merging the two accounts so I can make sure I can make a payment every month on my Auto Loan? Thank you very much for your time. Have a wonderful day!!
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to formally challenge the errors in my credit report and request compensation from Experian for ongoing violations of the Fair Credit Reporting Act ( FCRA ). My concerns are further substantiated by the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which exposes Experian 's failure to thoroughly investigate consumer disputes and its improper reinsertion of incorrect information into consumer reports. 

The following discrepancies in my credit report demand prompt correction or removal : XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/year> XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX {$29000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and inquiries I do not recognize are continued here. 
XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX - Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have discovered that there are errors in the following item ( XXXX ) XXXX. The following personal information is incorrect Name : 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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Not 100 % accurate information reporting to my credit report. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, now is XXXX true when there are several inaccuracies showing on my report?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft and I have a FTC report, police report, and filed all needed affidavits. Experian removed and deleted the two negatives accounts but now have added them back and said I need to contact the credit card company ( which I already have done ). I asked what else I needed to do to prove I was a victim of ID theft because other credit card companies verified I was a victim. They did not have an answer other than to re submit the dispute which I have done as well and contact the credit card company again.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion 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 need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$21000.00}, XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$120.00}, XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$110.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXX  XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$3800.00}, XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$110.00}, XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$160.00}, XXXX XXXX XXXX. XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, and XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}.
Product: Prepaid card

I have been a cardholder of rushcard for over 8 years. I chose to use rushcard for my payroll direct deposit and have trusted them for my financial services. Since XXXX/XXXX/2015 I have not had any access to any monies on my prepaid debit card and I am unable to perform any transactions such as paying bills or withdrawals. This has affected my daily life tremendously.
Product: Credit card or prepaid card

XX/XX/XXXX to XX/XX/XXXX reflect on my credit reports showing late payments from Capital One. 
I recently contacted Capital One and spoke with a representative, they say its a recorded line so may be able to pull this call to listen. I spoke with a woman representative and asked for the CEO of Capital One email address. The representative put me on hold and came back to ask me why I needed the email. 
I told her that I needed to get late payments removed from my account due to me being out of work on short term disability. She then told me that they will be removed and my credit report should reflect this information in 30 days. 
I then received a letter in the mail stating Capital One is not going to delete the late payments. 
This is an unfair business practice to first tell me in a recorded line that the late payments are going to be deleted from my credit file and then send me a letter saying they will not be deleted from my credit file.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX You are in Direct Violation of the Fair Credit Repair Reporting Act ( Wells Fargo / Dillards has violated several of my rights. 

15 U.S.C 1681 section 602 A, Clearly states that I have right to privacy.

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

15 U.S.C. 1666B : A creditor may not treat payment on a credit card account under an-open-end computer credit plan as late for any purposes Remove this late account and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Debt collection

I own a XXXX timeshare at XXXX XXXX in XXXX XXXX   XXXX in PA. I have owned this timeshare for over 20 years. The annual maintenance fees have steadily risen and differ from year to year. I always pay my annual dues and have generally enjoyed traveling with my timeshare. This year I never received a bill for the timeshare maintenance fees. Instead I received a notice from a 3rd party collection company with an added fee of {$310.00}. I emailed XXXX and asked why I never received an invoice. The email reply from them advised me to call their office since their policy is not to discuss via email. When I called the XXXX office, they discovered that they had an old mailing address on file for me and that is why I did not receive the invoice. Note my XXXX address is the same address to which they sent the XXXX invoice the previous year - it has not changed. I asked XXXX to remove the {$310.00} collection fee ( since I never received the invoice ) and allow me to pay my bill. They said they could not and that I would need to call the XXXXXXXX XXXX and make the request to the general manager of the resort. When I called the XXXX XXXX I was told that they would not negate the {$310.00} fee and that I needed to settle everything thru the collections company, Aspen National Collections. I called Aspen and of course, they want me to pay them the timeshare maintenance fee plus the {$310.00} collection fee. I am asking for XXXX XXXX XXXX ( XXXX ) to pull this account from collections and allow me to pay my bill without penalty. This is an unfair practice to penalize me when I did not get a bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

my dispute, the application doesn't show my social security number. the application shows another persons social security number. according to the fcra which is being violated, I am requesting removing and compensation. I was denied for housing due to this fraud account being on my report, even after I disputed this account multiple times. this is the original application from wells fargo that support my dispute for removal and compensation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid someone to fix my credit and no updated has been made. no score has been shown since and the 1 derogatory mark on my account is still there and it showing up on my credit and my ex husband credit as well. and this account was in he's name not mines and 3 hard inquires which I have no understanding about. someone stole my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Experian and requested that old addresses and addresses that I have never been associated with be removed from my credit report because I don't have access to these properties and I don't want to become a victim of identity theft because Personal information may go to these addresses. I provided them with my current address that I have resided at for 3 years. Gave them my Drivers License and a water bill to so proof. In the end they kept the addresses on there. There report number was XXXX date XXXX.
Product: Bank account or service

I owed approximately XXXX dollars, to XXXX which was purchased by XXXX XXXX. I thought selling the debt twice was against the rules. While I was waiting for XXXX to be ok 'd, XXXX 2006 ) the first debt collector ( I do n't remember the name ) started to call me everyday, even on the weekend. I kept telling the person ( XXXX ) that I expected money in about two weeks and told him after several calls that I was going to receive ssd for XXXX and XXXX. He started acting upset and said. oh no! He hung up and called our police dept and told them I had threatened to kill myself. The police called my home and my sister had to verify I was ok. A supervisor called me and tried to set up payment and I told them about XXXX actions. They told me they had fired him for those kind of tactics. I told them I would not pay the debt, instead of suing them, and they stop calling. A year later they had sold the debt to another debt collector Portfolio started to call and harass me for the money, I told them the story of the other collector, and they bought a bad debt. I did not hear from them until recently. Now they are calling me every week day sometimes XXXX a day. They continue to report this debt to credit agencies. The original debt is from 2006, I now receive XXXX and can not pay and feel I have been wronged and harassed. I 'm done. They have not sent any written communication, just keep calling after10 years. hopefully you can give me direction. Thank you.
Product: Prepaid card

I bought and activated this card on XX/XX/year>. I had {$170.00} in cash that I received as gifts, and I could not deposit that cash to my bank account because it's an online bank. Prepaid gift cards had always been a way to remedy that until now. 

I'm simply trying to use this card to buy supplements. I tried this card on XXXX XXXX, and XXXX to no avail. I can't add it to any of the pay transfer apps ( XXXX XXXX, XXXX, etc ) to be able to transfer the money off, so it renders this card useless. After speaking with support, they told me that I'd have to use another retailer. This is insane. It limits my options and forces me to go to a brick and mortar store that MAY work.

In today 's day and age, most debit and credit cards are linked to a zip code to help cut down on fraud. It should be illegal and these companies should be penalized for not figuring out a way to link your zip code to a prepaid debit card. Most online retailers need a zip code to process a payment. I've spent money for something I can't even use. 

Also, it's false advertising on their website and on the packaging that the card comes in. The cardholder agreement states that " Card may be used in the US and XXXX XXXX XXXX everywhere XXXX XXXX is accepted. '' All of the merchants I listed above take XXXX. They've sold me a product I can't use, and it's ingenuine to give consumers the perception that this can be used knowing they've put restrictions in place where it can't.
Product: Credit reporting or other personal consumer reports

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

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 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.