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

I did not have enough in my bank account to cover my ACH {$97.00} insurance payment. The next day, before noon, I noticed, and transferred money from my savings to my checking, and I was in the positive. I thought I had caught it before any NSF fees could be levied ( I had never opted in to overdraft protection ). But, the ACH amount was credited back to my account and a {$34.00} NSF fee levied. I did not see this charge until the next day, otherwise I would have transferred more. Later that day, I was charged a monthly fee ( which can be anywhere between XXXX or {$12.00}, which is confusing to me ), which put me overdrawn again. I transferred another {$100.00}. Now I see I have XXXX overdraft fees, for a total of {$68.00} in overdraft fees and {$34.00} in NSF fees. I 'm confused. I thought overdraft was opt in, and NSF was a fee when the bank decides not to pay? I am trying to close this account anyway due to some very suspicious things like this, and I have been fearing that something fishy would happen, like them saying it was closed but it was n't and then charged a fee to keep it open in the red. I 'm confused, because I know the bank had sent me a packet with new terms ( I 've had this bank 9 years ), but I thought I had to explicitly opt in? 
Which is it? Am I able to be charged both NSF and overdraft on XXXX transaction? Do n't they mean the same? This is n't the XXXX fishy thing that 's ever happened. XXXX they decided, all of a sudden XXXX month with no notice, to start charging {$11.00}, then {$13.00}, then {$12.00} ( in consecutive months ) on my savings account, with no notice or packet outlining changes in terms or anything. I called and complained and they said " Oh we did an audit and you 're supposed to be paying {$10.00} for the savings account ''. I then asked why they charged me XXXX different amounts, none of which were {$10.00}, and why they decided 7 years later I 'm supposed to be paying some fee I had n't heard of. The lady did n't even have an answer. She just reversed the charges, and I got no explanation as to why the charges just started appearing. I had to do that XXXX, and I still have no answer besides " an audit ''. Another time, they shifted the order of my transactions ; my biggest transaction was on Monday, and XXXX smaller XXXX on previous Friday. They processed the bigger later XXXX and levied a fee on each of the XXXX smaller ones, and I paid it, but did not remember until later that I did not opt in. They even told me over the phone they decided to change the order of processing. I was shocked, but I just let it go and decided to be more careful. My bank is Citibank. I 'm leaving them shortly because I 'm tired of this.
Product: Credit card

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB, PLEASE HELP!!! 

See the attached screenshot that TransUnion has just done. These people along with creditor are ruining my credit and dragging it down into the dirt. This account should not be reporting anything. This account was closed and satisfied years ago. I have never heard of a court named XXXX XXXX. How are these credit bureaus allowed to purposely damage consumers credit profiles. I'm asking For TransUnion and XXXX XXXX to completely remove this account from my credit report immediately or I will be forced to email the State Attorney Generals office here in Florida and show them the proof of what both companies are doing to my credit. STOP IT NOW!!!!
Product: Credit reporting or other personal consumer reports

How every day I enter the app to check the status of my credit cards, today XX/XX/2024 an auto lend account that I do not know appears in my Transunion report, I have not request a loan for auto lend, report how identity theft to the federal trade commission, I called Transunion to make a dispute because I have not requested any loan, please I need help, I am a victim of identity theft.
Product: Checking or savings account

They closed my account last XXXX  2 years still no response they have received all my letters and phone calls I need resolution its over {$5000.00} in damaged that I need for medical XXXX treatment need help this bank had defrauded a lot of people.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX does not allow for input and proper documentation of any calls or correspondence after the account is closed. 
All my calls have not been documented. 
All my complaints via a call have not been documented. 
Prior to the closure, I could send an email. Since the account has been closed, I am unable to have access to both of my prior loans paid in full. 
I have a dispute of the only 30 day late in my Credit Report from XXXX. It was admitted that they had internal personnel issue due to CoVID-19 and payment processing. 

Come to find out, my calls to inquire and dispute, NONE have been documented since the representatives are unable to document the dispute. 

I am also filing a FDCPA and ECOA complaint. 

XXXX XXXX Dispute Department XXXX  XXXX XXXX, XXXX XXXX XXXX : Account : XXXX Escalated Complaint / XXXX XXXX Research Department / CFPB Reason For Dispute payment processed XX/XX/2020 ; 30 day derogatory Please correct the reporting of the 30 day delinquency for the PAYOFF that was processed on XX/XX/2020. This was unbeknownst and unrelated to any fault of mine. As you can see by my payment record, even after being intubated XX/XX/2020, not being medically released to return to work until XX/XX/2020 just to be Furloughed until XX/XX/2020, I made all of my monthly payments. 

I paid off my other loan in the amount of {$18000.00} with you, too, in or around XX/XX/2020 as soon as I was able to function. My accounts were never placed on a Forbearance, despite of my situation. 

I do not know if due to CoVID-19 the payoff was not processed in time, USPS or other delivery methods delay due to the Pandemic. 

However, I do know it was to no direct fault of my own. 

I appreciate your swift assistance on this matter.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XXXX XX/XX/year> XXXX  XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 

XXXX On XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Delete these unconfirmed inquiries lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C 1681 ET SEQ. Section 604 of Fair Credit Reporting Act.

Once you have fulfilled my request, mail me an updated credit report reflecting these changes.

XXXX XXXX
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to formally request debt validation for an account that has recently appeared on my credit report under the names Acron Credit Solutions and XXXX XXXX XXXX XXXX. This collection account has caused significant harm to my credit profile, and I respectfully request your assistance to ensure full compliance with federal consumer protection laws. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute and verify any information reported by these companies to the credit bureaus that is inaccurate, incomplete, or unverifiable. Specifically, I am requesting that Acron Credit Solutions and XXXX XXXX XXXX XXXX take immediate action to validate the debt or remove it from my credit report, pursuant to the following FCRA protections : 1. **15 U.S.C. 1681g** - As the consumer, I am entitled to a complete and accurate disclosure of the nature, terms, and original details of the debt reported by Acron Credit Solutions and XXXX XXXX XXXX XXXX XXXX 
2. **15 U.S.C. 1681s-2** - This section requires these companies to refrain from reporting any inaccurate or unverifiable information, and mandates that the collection be removed from my report immediately until full and valid verification is provided. 
3. **15 U.S.C. 1681i** - Under this section, I have the right to dispute information. Credit reporting agencies must promptly investigate, and if the reported information can not be substantiated, they are required to delete it. 

I am requesting that Acron Credit Solutions and XXXX XXXX XXXX XXXX validate this debt with the following documentation : - A copy of the original signed contract establishing my liability, - A detailed accounting of the debt history, including any fees or interest applied, - Proof of legal assignment or transfer of the debt from the original creditor to each of these collection agencies. 

If the requested documentation is not provided or if the debt is unverifiable, I request immediate removal of the entry from my credit report under **15 U.S.C . 1681c ( a ) ( 4 ) ** to prevent further reporting of potentially inaccurate information. 

Please consider this letter as a formal notice of my intent to pursue legal remedies under the FCRA if this account is not validated and removed from my report as required by law. I request written confirmation from the CFPB on the steps taken to uphold my consumer rights in this matter. 

Thank you for your attention to this urgent request.
Product: Debt collection

I contacted XXXX who is collecting on behalf of Calvary SPV LLC. I spoke to a XXXX XXXX. Upon I asking for proof of debt, proof that they are licensed and bonded in my state she began to get annoyed and very nasty to the point that when I asked to allow to state that I was requesting certain documents for the record she stated that she does't have listen to me and hung up. AT no point was she able to tell me the date of first delinquency, license number, she basically only wanted to collect money. She never informed me that I can dispute this information. I then was upset and called back and spoke to customer service supervisor XXXX XXXX. I explained the situation and that I wanted her to correct XXXX XXXX conduct and how she violated my right under the FCRA. I also informed her that I was going to file a compliant with the FTC and CFBP.
Product: Debt collection

CBE Group is reporting a collection account and I have never done business nor signed any agreement with CBE Group. They are falsely reporting a collection on my credit report. 


15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section :
Product: Bank account or service

First National Bank had a summer promotion that included a {$150.00} bonus when qualifying terms were met. On XXXX/XXXX/16, I opened up a checking account with them, with the intention of fulfilling the terms, collecting the bonus, and utilizing the checking account services. To my surprise, First National Bank contacted me and told me that this bonus offer would not be honored, my opening deposit was refunded, and my account was closed because I was not in their " Service Area ''. Unfortunately, this information was not presented at the time of the disclosure of the bonus and was nowhere to be found on their website. Although disappointed, I decided to move on. I received a second call back a couple days later, informing me that because the terms did not state " service area '' that they would be honoring the bonus. Although they did not redeposit my initial depsoit, they informed me that If i were to ACH deposit another {$1500.00} ( to meet the terms of the bonus ), I would, receive the bonus as stated in the terms and conditions of this offer. Unforunately, I have not yet received this bonus, and attempts to contact First National Bank have been unsuccessful. I feel that my treatment by this bank, the information presented, and the back and forth of opening/closing this account has been unprofessional and unsettling. In addition, the terms of the bonus were met and have not been honored.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Report Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Account Name : XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX has violated my rights. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 items of information, other than records of convictions of crimes which antedates the report by more than seven year.

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: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect information that's on my credit report. Which relates to late payments. It has been well over 30 days, and I haven't received any investigation results. Listed below are the dates and amounts. 

Credit Bureau : XXXX  AND EQUIFAX XXXX CARD XX/XX/2019 XX/XX/2019 $ XXXX  Monthly Payments XXXX XXXX XXXX XXXX XX/XX/2019 XX/XX/2019 XX/XX/2019 $ XXXX  Monthly Payments XXXX XXXX XXXX XXXX XX/XX/2019 XX/XX/2019 $ XXXX  Monthly Payments XXXX/XXXX  XX/XX/2019 $ XXXX   Monthly Payments
Product: Debt collection

I was denied credit for a credit line I applied for and was denied. Once I was made aware I pulled my report and there was a collection in the amount of {$180.00}. I did not receive a 30-day notice to dispute the validity of this debt. I am requesting proof of address where the notice to dispute the validity of this debt was sent.
Product: Checking or savings account

I am an XXXX XXXX XXXX  who recently returned from a XXXX to XXXX on XX/XX/2022. Ally Bank denied me access to my savings account due to suspicious activity on the account, even though it was me trying to access my account from XXXX. When I returned home, I called Ally multiple times to resolve the issue ; however, my account is still on hold and I can not do anything with the funds I have in that account. Ally keeps telling me that I may have to wait up to 90 days for access.
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 the account # XXXX, has violated my rights. 

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

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



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 the account # XXXX, has violated my rights. 

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

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

Vanilla Visa ( vanillagift.com ) card received XX/XX/2023 and although it shows as active with a {$25.00} balance, it has been declined by 2 restaurants, XXXX, XXXX, XXXX XXXX, and XXXX on XXXX. At the service phone of ( XXXX ) XXXX it is impossible to get a human response. 2 calls today. Via search engines, I see many complaints raised about similar issues. This is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute to Equifax regarding some accounts on my credit report showing the incorrect balances. I am trying to obtain a mortgage loan. After speaking with a loan broker I was adviced to cancel the disputes that the loan broker will make sure all the account balances update accordingly. I called Equifax XX/XX/XXXX in which they adviced me to fax them a letter canceling my disputes. I faxed the letter on XX/XX/XXXX. OnXX/XX/XXXX I get an alert to check my credit and all but 1 account dissapeared off my Equifax credit report.

I am missing : - XXXX XXXX  credit card -XXXX XXXX credit card -XXXX   credit card XXXX XXXX credit card -XXXX XXXX credit card -XXXX XXXX XXXX XXXX then the XXXX XXXX credit card is showing an old reporting age not the most recent one of last month.

These all were showing as of yesterday, they had been there since opened few years ago, all accounts are supposed to be open and in good standing.

I called Equifax and they can not help me. They have no response as to how my file got 99 % deleted.

I called all my creditors and they say they report to the bureaus monthly and can not explain how Equifax has done this. 

This is hurting me more than ever. I need my credit report to show.
Product: Debt collection

Santander agrees to provide notice to each CRA to which Santander reports, requesting the deletion of the trade lines associated with the account for all Deficiency Relief Consumers and for the Consumers who receive relief agreed by Santander Consumer USA with NY Attorney General for deficiency relief on cars that were violation of Article 9 of U.C.C. The company never to provided a notice before selling the vehicle and no receipt was procured to prove that notice to sell vehicle was given. The secured creditor must take several steps to properly effectuate the sale of its collateral pursuant to Article 9 following a debtors default. Under Section 9-611 of the Uniform Commercial Code, a secured creditor is required, in most circumstances, to send a reasonable authenticated notification of disposition. The notice is intended to provide the debtor, and other interested parties, an opportunity to monitor the disposition of the collateral, purchase the collateral and/or demand any surplus proceeds recovered from the sale. 
Accordingly, a secured creditor must send notice that is reasonable as to manner, content and time. Since the notice must be authenticated, a secured creditor may not give verbal notice to the debtor. A secured creditors notice must be made either electronically or in writing. A creditor that fails to provide this reasonable notice can potentially be held liable for any loss created by its failure to give notice properly of the location and sale date of the vehicle. The sale was not given before the car was auctioned making the sale COMMERCIALLY UNREASONABLE.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX altered my Nj state drivers license XXXX XXXX Stole my SS Card XXXX XXXX XXXX I cd XXXX and went to police station they stated they have the body cam footage of her stealing my DL. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nj XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nj The FBI is aware of this incident and refused to arrest XXXX XXXX XXXX today for using my DL and XXXX XXXX card, XXXX credit card XXXX XXXX XXXX XXXX XXXX XXXX credit card XXXX XXXX credit card XXXX XXXX credit card XXXX credit card XXXX credit card XXXX XXXX account she walked into the branch in XXXX XXXX XXXX {$20000.00} ( {$5000.00} a week she withdrew from my account ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} for equipment modem cable boxes home landline phone XXXXXXXX XXXX phone {$1000.00}
Product: Credit reporting or other personal consumer reports

These overdue payments dont match my regular payment history.
Product: Checking or savings account

I am a victim of identity theft and I have never applied for or opened any checking, savings or credit card account Citibank because I was incarcerated from XX/XX/XXXX until XX/XX/XXXX. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
Product: Debt collection

1. Validation of the debt- that is, the actual accounting.

2. Verification of a signed Invoice.

3. A copy of the Contract binding both parties ( you and them ), in a letter by " certified mail '' so that there is an independent " witness to it having been delivered '' However according to 15 USC 1692e, 15 USC 1692d ; and 15 USC 1692B not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.