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

BANK OF AMERICA was FULLY paid, this was XXXX  i was a kid who didnt understand money, finances or banking i was only XXXX XXXX XXXX and I paid the entire bill soon as I understood what the account being overdrawn was from. IF THIS IS FRAUD OR ABUSE PROVE IT LET ME SEE THE DOCUMENTS REQUIRED BY LAW, IF NOT REMOVE IT AS I PAID BANK OF AMERICA IN FULL AND THIS IS SINCE 2018 IT HAS BEEN YEARS EITHER FOLLOW FCA RULES OR REMOVE NOW OR I WILL SUE This item has been paid years ago since 2018 and i am trying to open a business, and start my life and you are holding me back from doing that because you continue to keep this on my record but it is FULLY PAID OFF.. This is nonsense its been years since the account was opened, I demand this be removed or i will take legal action in additon, there has been no proof or correspondence explaining where all these fees came from, how they were charged and if they were correct nor who charged them. I have filed disputes and you keep ignoring them i demand this account removed from XXXX immediately without any further delay. This is absurd, harrassful and horrible to do, in addition i was treated unfairly by staff when i questioned these fees, and no one would assist me in learning the process or explaining the fees and process. YOU failed me at this level and i am demanding that the very least you remove this from XXXX XXXX today you have punished me enough I WAAS A KID who never had an account before i had no idea what i was getting my self into. if it is not removed i will go to social media, news, and take legal action and sue you! REMOVE THIS FROM XXXX XXXX RIGHT NOW
Product: Debt collection

The company is calling 8-10 times a day and last night called me at XXXX Central time ( my timezone ). The number is a Virginia number meaning it was XXXX their time. This keeps happening and it is becoming harassment.
Product: Debt collection

XXXX XXXX reported to the credit bureaus that they provided unspecified service to me for {$550.00} and that I failed to pay them back. I disputed their contention with the credit bureaus, which in turn informed XXXX XXXX that the reporting was challenged as identity theft. XXXX XXXX could not provide document to support and verify their reporting and as a result, the Credit Bureaus removed the incorrect information from my file. Today, XXXX XXXX has repackaged their alleged debt or otherwise sold it to Enhanced Recovery Collection and reports it again to the Credit Bureaus, in violation of federal law.
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/2022 EXP 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: Credit reporting or other personal consumer reports

These furnishers continue reporting false, inaccurate information on my credit report. YOUR COMPANY continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense! 
- XXXX XXXX XXXX 15 U.S. Code 1681s2 : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
- XXXX XXXX XXXX ( a ) and XXXX XXXX ( a ) ( XXXX ) : Duties After Notice of Dispute from XXXX. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. 
- XXXX XXXX XXXX ( a ) ( XXXX ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021, I log into my equifax.com account to pull my credit report and the report was blank. all my information and accounts are gone. I contacted Equifax on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of 2021 to get assistance to gain access to my credit report. i called multiple times on each day listed. i have even sent letters requesting a hard copy of my credit report. every agent told me they would escalate the issue to their " escalation department '' and it would take 7-10 days and they would send me a email. well it has been 2 months later and I have yet to here anything from anyone. and my credit report is still blank and i have not received on by mail. no one at the company will help, i have had agents hang up on me, and be completely rude to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I consolidated my student loans with XXXX and XXXXXXXX XXXX XXXX on or about XX/XX/XXXX. I was in forbearance at that time and had been in forbearance every year since XXXX. I was also a full-time student pursuing my XXXX XXXX. However, both XXXX and XXXXXXXX XXXX XXXX have been reporting my student loans as " LATE PAYMENTS ''. They refused to report my account accurately to the credit bureaus, specifically, TransUnion, XXXX, and XXXX. My account has NEVER been late or in any derogatory status since I was both in-school and forbearance. Please remove these inaccuracies from all three ( 3 ) credit bureau reports.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts XXXX XXXX XXXX account number : XXXXXXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number ( XXXX ) : XXXX & XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/2023 {$3200.00} Open balance XXXX XXXX XXXX XXXX Original creditor has violated my rights. 15 USC 1681-602A states I have the right to privacy. 15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I am not liable for these debts, I do not have a contract with these collections, and they did not provide me with the original contract as I requested. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX  and XXXX XXXX XXXX and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.
Product: Credit reporting or other personal consumer reports

I had a past due XXXX account that went to their collections - XXXX XXXX. 

I paid all my balances in full with XXXX XXXX. XXXX XXXX sent me an email certifying I do not owe any remaining XXXX  balance. My XXXX balance is {$0.00} and paid in full. 

Yet XXXX refuses to update their records. XXXX claims I still owe {$190.00}. XXXX says I owe {$190.00}, Experian XXXX XXXX say I owe {$510.00}. 

When I contact XXXX they say contact XXXX XXXX their debit collector. I contact XXXX XXXX and they say my balance is {$0.00} paid in full they have sent over the records to XXXX  and to contact XXXX. 

I have even done a XXXX way call between a XXXX XXXX manager and XXXX and still XXXX claims I owe. 

I have submitted all my payment receipts and XXXX XXXX letter cetfirying I have paid my balance and XXXX refuses to update their records to show a {$0.00} balance. They say wait 30 days for them to update I wait nothing gets updated and I call back and start the process over again. 

The remaining {$190.00} was paid back on XX/XX/XXXX yet XXXX has not updated their records and my XXXX credit reports to reflect paid closed {$0.00} balance. 

Because of this I am being denied opportunities for housing, loans, and anything credit related because my reports show a past due XXXX  balance even through I paid it. 

Everytime I call into XXXX they say they have no to see my account and payments so then I email the documents payment receipt and evidence and they still dont help. 

XXXX also responds with no they cant reopen my account and I never asked them to reopen my account I will never use XXXX again I want them to update my balance to XXXX and my XXXX credit reports so I can get an apartment. 

My last communication with sXXXX  says they will update all my records once I pay my account off with XXXX XXXX. I have done that and waited and XXXX  new update records still show {$190.00} even after my waiting since XX/XX/XXXX. 

I do a credit report dispute with each credit agencies and I wait 30 days for their report for them to come back and say XXXX has verified my past due balance is correct even though I showed them the payment receipts and certification. How can I owe if there is a payment receipt for it? XXXX refuses to update their internal records so when the credit bureau contacts them they keep saying yes I have a past due balance when no I dont. 

I am stuck in a circle and XXXX refuses to help. 
XXXX XXXX has been amazing to work with and everytime I call they document it and reach out to XXXX yet XXXX still doesnt update anything. 

This isnt fair I paid off my account and XXXX is still penalizing me with a past due balance on my credit report.
Product: Credit card

A check for {$2600.00} was written in error and mailed to Discover credit card company and cashed on XX/XX/2023 We have no relationship with Discover card. 
I went through my bank and they said theres nothing they can do. 
I called Discover card at least XXXX times Every time I get a different person and nobody can help me get my money back When talking to the people at Discover, they can see the check and they can see they cashed it since we dont have an account I dont know where they applied that money. All I know is they wont give it back to me
Product: Credit card or prepaid card

I have a Capital One Credit card where the minimum balance is {$140.00}, I have recently lost my job last month and going through financial hardships trying to pay my bills on time. Ive been late on a few payments but the late fees are taking a toll and my credit score is steadily decreasing. I have a 96 % on time payment history and would like to keep it around that amount if possible.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : ( Private SSN ) Consumer Date of Birth : ( Private DOB ) Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that TransUnion credit reporting agency block the information appearing on my consumer credit report, which has resulted from inaccurate and false reporting. Specifically, TransUnion failed to properly verify this information within thirty ( 30 ) business days of receiving my request. 

The inaccurate and false information includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and collections to appear on my consumer FICO credit report. I have attached a list of the fraudulent hard inquiries as well as a copy of my consumer FICO credit report maintained by TransUnion, showing these inaccurate items. 

I do not recognize any of the accounts, collections, or hard inquiries as reported. These accounts, collections, and hard inquiries were not opened, made, or initiated by me.
Product: Payday loan, title loan, or personal loan

I took out the loan in the amount of {$1500.00}. However when that amount had been meet I inquired what would I need to close the account and stop the bi-weekly payments from coming from I check. I learned that the interest payment/ balance was actually more than the original loan amount. I was informed that I had a remaining balance of {$1500.00} but I could pay it off early for the amount of {$1400.00}. The interest rate is what really concerns me and I feel is truly criminal. The finance charge is : $ XXXX@ 339.89 %. 

I can not believe that is correct, I will meet my obligation to pay this but, I would have loved the opportunity to have at 75 % of the finance fee reduced so that I can see a light at the end of the tunnel. I got this loan under a very desperate time in my life. Now I'm told that {$240.00} will continue to be withdrawn from my account until XX/XX/XXXX. 

Can you assist me with this matter in any manner or assist with this Loan Sharking methods? 

Thank you XXXX XXXX
Product: Debt collection

Valley National Bank is trying to receive additional payment from a debt I have already paid on the mortgage my mother had she is now deceased due to covid. I paid and closed the account XX/XX/2020. They continue to send letters and harassing calls saying I still owe them because I was a cosigner. I explained to them I have my bank statements showing where I paid the balanced my mother owed. Her mortgage was {$830.00} but she had additional fees charged to it. The total to close the account was {$980.00}. I paid it and again they continue to send letters and call harassing me for payment and have now went to collections. Any help would be appreciated. Thank you.
Product: Debt collection

NOTICE FOR REQUEST OF CERTIFIED MAIL RETURN RECEIPT WITH MY WET HUMAN SIGNATURE AND CEASE AND DESIST OF SLANDER HARRASSMENT EMBARRASSMENT THREATS DEFAMATION COLLUSION COLLECTIONS FALSE REPORTING & 18 USC 96 NOTICE INTENT TO SUE AFFIANT : XXXX XXXX XXXX XXXX 

DEFENDANT : TXXXX XXXX XXXX XXXXS number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX AFTER XXXX XXXX XXXX XXXX XXXX XXXX RE XXXX ALLEGED ORIGINAL CREDITOR : XXXX ALLEGED ORIGINAL CREDITOR ACCOUNT NUMBER : XXXX ALLEGED DEBT AMOUNT OR BALANCE {$XXXX} CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX DEAR XXXX TRANSWORLD SYSTEMS INC -BULK DEBT COLLECTOR BUYER STOP VIOLATING THE FDCPA USC 1692D I NEVER gave your company consent to use this account XXXX XXXX XXXX IN COMMERCE EXHIBIT A1 : I AM UNAWARE OF THIS ALLEGED DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS ALLEGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVE IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING THAT IVE RECEIVED IT. 
ACCORDANCE TO 15 USC 1681s-2 ( a ) ( 7 ) A ( i ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST. IF YOU CANT PROVIDE ME WITH THIS INFORMATION, PLEASE DELETE THIS ALLEDGED ACCOUNT FROM MY CONSUMER REPORTS IMMEDIATELY. SEND ONLY CERTIFIED MAIL WITH RETURN RECEIPT WITH MY HUMAN SIGNATURE XXXX : I WAS MADE AWARE OF YOUR ATTEMPT TO COLLECT AND ALLEDGED DEBT AFTER I REVIEWED MY CONSUMER REPORT. PLEASE BE THAT I HEREBY DISPUTE THE ABOVE-LISTED ALLEGED DEBT IN ITS ENTIRELY. YOU ARE ON NOTICE THAT YOU ARE UNLAWFULLY ATTEMPTING TO COLLECT THE ABOVE-LISTED ALLEGED DEBT. CEASE & DESIST ALL COLLECTION ACTIVITY, INCLUDING REPORTING TO CONSUMER REPORTING AGENCIES ( CRAs ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST ABOVE IN EXHIBIT A1 AND IT DOSENT INCLUDE YOU FROM DELETING ALLEGED DEBT FROM MY CONSUMER REPORT. THIS LETTER IS EVIDENCE PROVIDED VIA TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). THE CFPB IS AUTHORZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY. OR XXXX XXXX, AFFIANT .XXXX  XXXX XXXX XXXX Living woman far from being dead Beneficiary OF XXXX XXXX XXXX not TRUSTEE XXXX WITHOUT PREJUDICE WITHOUT RECOURSE
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX - account # XXXX ), ( XXXX XXXX XXXX - account # XXXX ), ( XXXX XXXX XXXX- Account # XXXX ) have violated my rights. 

15 U.S.C.1681 SECTION 602 A. States I have the right to privacy 15 U..S.C. 1861 SECTION 604 A SECTION 2. It also sates a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about the handling of my credit report disputes and the ongoing inaccuracies present in my credit file. Despite multiple attempts to correct these errors, these companies has failed to resolve the issues satisfactorily and has updated the accounts inaccurately as correct. 
Instead of correcting the inaccuracy, my credit report was updated to reflect the account as accurate, despite the evidence proving otherwise. Furthermore, there has been a lack of follow-up or communication regarding the status of my dispute. 
This ongoing issue has not only negatively impacted my credit score but has also caused significant distress and inconvenience. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and fair information on my credit report. The failure to correct these errors, combined with the lack of proper follow-up, is unacceptable and does not adhere to the regulations governing credit reporting agencies.
Product: Debt collection

On XX/XX/XXXX I was alerted that a frivolous collection agency GENESIS CREDIT MANAGEMENT & COLUMBIA DEBT RECOVERY placed an account for collection on all credit bureaus for the amount of {$170.00}. I immediately notified the agency that I do not lawfully owe this due and requested all documentation stating that I owe the collection agency. No contract nor legal obligation, contract, or agreement has been signed nor documented. The agency failed to provide sufficient information to validate the debt yet continued to harass and report a negative status and balance to all credit bureaus. Please note I wrote the creditor again on XX/XX/XXXX ( find documentation attached ) to request not verification but true validation of this debt and any contracts signed and or any legal statute that the collection agency can collect legally on this debt. On XX/XX/XXXX GENESIS CREDIT MANAGEMENT & COLUMBIA DEBT RECOVERY wrote and informed me they have investigated and responded yet I have not been provided any legal documents stating that I owe the company. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. XXXX XXXX needs to be held accountable for its unlawful actions.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX  XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX : {$5800.00} XXXX XXXX  XXXX Balance : {$480.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

A bill came out early which left me with a negative balance. In that time other charges continued to come out which also resulted in more fees. In total {$210.00} in fees were taken out of my account. Even some bills as low as {$10.00} where charged with a XXXX dollar fee. Bank of America refused to refund any of the money back even though they allowed bills to come off my account while already being overdrawn.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I went to XXXX XXXX delivered a Cease and Desist letter telling them not to run my credit as a result my credit was ran multiple times.I try to address the concern with creditors letting them know the auto dealership violated the Cease and Desist order.I currently have a pending court case XX/XX/2020 resulting the violation of the Cease and Desist order.I try to contact XXXX letting them know i want to all dispute after XX/XX/2020 because it was in violation of the desist.
Product: Checking or savings account

I have a checking account with TD Bank and have had it for 12 years. I am often times charged an OVERDRAFT PD even when I transfer money over from my savings account to cover the transaction. Even if the transaction is still pending, or hasn't even shown up on my online banking summary, it will still be put before my transfer of funds. 

The four most recent OVERDRAFT PD 's are : OVERDRAFT PD XX/XX/2018 FEE {$35.00} OVERDRAFT PD XX/XX/2018 FEE {$35.00} OVERDRAFT PD XX/XX/2018 FEE {$35.00} OVERDRAFT PD XX/XX/2018 FEE {$70.00}
Product: Money transfer, virtual currency, or money service

There was man who named himself XXXX XXXX XXXX and told me that I missed Jury duty and I had 2 sitations. 2 sitations XXXX Failer to appear XXXX XXXXXXXX XXXX He called me at XXXX. 
With each sitation he also told me I had warrants for my arrest if I didn't comply and pay XXXX per sitation. He also told me to get my money back I must report at the next federal court on XX/XX/15 to the next court appearance at XXXX XXXX  at XXXX XXXX XXXX XXXX, VA. 
Also I must pleade my case of why I missed the first Jury Duty trail at XXXX XXXX. XXXX, XXXX, Va. 
I had to pay the fines to stay out of XXXX  and pleade my case. He told me the method of payment was Zelle. This guy had a very professional voice and was so believeable and smart he tricked me into giving him the entire XXXX. He told me to send it to the clerk on Zelle to the name XXXX XXXX XXXX. That is the person who the money transaction was made to. I did file a police report and told my bank since the Zelle was through my XXXX XXXX XXXX. They seem to be giving me the run around and I have been a member for over 15 years. I really learned a valuable lesson on scams to never give money over the phone to anyone even if it was a pretend sheriff. I really needed that XXXX for my wedding and I am very hurt this happened to me. 
Hope they catch this guy.