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

Hello This complaint is regarding a bank I use here in XXXX Georgia its called Center State Bank or South State Bank. I lost my job from the pandemic and I have sold just about everything I own and my mother has been helping me sending me money with checks or XXXX. I also have funds getting transferred from small sales I make online. I finally just found work almost a 2 hour drive but I'm happy to have a job again. My mom sent me around XXXX $ XXXX and I thought it transferred instantly and was using my debit card. The bank charged me over XXXX $ in overdraft fees and I'm now in the negative XXXX I've been with this bank for several years and when I called to get help, they told me I was irresponsible and was then hung up on, I talked to several managers that were so unbelievably mean I don't really understand why they would pray on people that are already struggling. I can't even buy food or pay my bills right now because I can't pay these fees and my mother is in the same position we work extremely hard for our money and it's a shame that people are doing this. I'm definitely going to close my account here soon. I know Congress has sent letters to several banks asking them to not do overdraft fees and honestly I'm about at the end of my rope here. I couldn't find a job for months and didn't qualify for unemployment. I don't have any income whatsoever until I start my new job. I don't think they really need the money more then I do. I'm just trying to do the best I can for now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, XXXX XXXX is reporting a 30 days late payment on my credit report for XX/XX/2018. I already addressed this issue. Sent them the bank statement showing the money was withdrawals from my account on time on XXXX. 

Because of this, I am now having hard time to get mortgage. The account # of XXXX on my credit report is XXXX. I also disputed to the credit bureau 2 months ago, so far nothing has happened. Please help me. Because of this, I am getting denial for mortgage.
Product: Credit card

Kickoff Lending and i have never did business with them before this is causing great damage to my credit and personal life
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a collection account listed on my credit report. The account in question is being reported with late payments after the closure of the account, the documentation i have shows that company did not state any items will show late, nor did i sign anything given permission which I believe to be inaccurate and potentially unlawful. The details of the account are as follows : XXXX XXXX : XXXX XXXX Account Number : XXXX Date of Entry : XX/XX/2023 My dispute is based on the following federal statutes : 15 U.S.C. 6802 ( XXXX XXXX - Privacy Protections ) : This statute regulates the disclosure and handling of nonpublic personal information by financial institutions. The reporting of late payments after the closure of the account may involve unauthorized disclosure or improper handling of my personal financial data. The accuracy of this reporting suggests that there may have been a breach of privacy protections. 

15 U.S.C. 1681b ( Fair Credit Reporting Act - Permissible Purpose ) : This section stipulates that a credit report can only be accessed and reported under specific permissible purposes. I question whether the collection agency had a valid and permissible reason to report late payments after the account was officially closed. Any such reporting without proper authorization or permissible purpose may be a violation of this provision.

18 U.S.C. 1028A ( Identity Theft - Aggravated Identity Theft ) : This statute addresses the use of another person 's identification to commit certain felonies. If the late payments being reported after account closure involve fraudulent or inaccurate information, this may suggest an issue of identity theft or misuse of my personal data. 

Based on these concerns, I request that you conduct a thorough investigation into this account. Specifically, I seek the following : Verification and proof that the collection agency is authorized to report late payments after the account was closed.

Documentation demonstrating that the collection agency had a permissible purpose for accessing and reporting this information. 
Evidence that my personal financial information has not been mishandled or improperly reported. 
Until this matter is resolved and the account is verified, I request that the collection account be marked as Disputed on my credit report. Please provide written confirmation of the investigation results and any updates or corrections made to my credit report as necessary. 

I appreciate your prompt attention to this matter and look forward to your response within the timeframe required by law. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGLEHARDT vs GRAVENS ( mo ) 281 SW 715,719, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have applied for PSLF program and with all of my employers and time certified, in calculating MOHELA has simply left out months so the 120 months are not reflected. I have been contacting them for almost a year and I can't get an explanation or reason why nothing is being done. Also don't know status bc even the most recent certifications are not increasing the number of months which now far exceeds 120. I just want an answer and someone to fix.
Product: Credit card or prepaid card

They store credit card information for future payments. However, you can not manage your credit cards to add or remove them. They have been unresponsive to my request to remove them so that I can add new payment methods as some of my credit cards have expired. I have submitted the request via their website form and through the chat, multiple times. Now, my account is delinquent and past due and has affected my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- STUDENT ACCOUNTS 3. XXXX XXXX LOAN with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making this complaint because despite my efforts for a resolution I have failed to receive a LAWFUL remedy for fraudulent reporting of adverse accounts on my report. On XX/XX/21 I sent letters out to the credit reporting agencies Experian, XXXX, XXXX  requesting deletions of these account but after 60 days only one account was remedied. 
They following account needs to be DELETED from my consumer report : Misleading False Reporting Unverifiable/ Inaccurate Date Opened Date Last Active Account Status and Last payment XXXX Account Number : XXXX I XXXX XXXX as the only " natural person '' and also " original creditor '' did NOT give instruction for these agencies to furnish this adverse account on my report, I do not validate this alleged debt. According to Congress law under 15 U.S. Code 1681b - Permissible purposes of consumer reports.

( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.

( G )
Product: Debt collection

On XX/XX/XXXX I was XXXX XXXX from the XXXX XXXX, unfortunately I was not able to find employment fast enough to keep my Military XXXX  XXXX XXXX active. This account is allowed for military personal who can shop at any military exchange ( store ) XXXX, XXXX, XXXX etc. I am being charged a collection fee on top of my debt and interest ( understandable ) with the Military XXXX, these fees are {$1000.00} 's of dollars on top of the original debt. I've asked for numerous statements and have finally received one for XX/XX/XXXX. In the attached statement you will see that only {$310.00} have been accepted, however you'll notice my personal checking receipts equating to {$370.00}. This has happened every time I've made payments on the account. Almost as if they're stealing the XXXX XXXX  and my money, as the statement from Transworld shows on pg XXXX {$310.00} in payments and {$0.00} in fees. I can not provide exact amounts as Transworld Systems is only directing my calls to XXXX XXXX XXXX whom has not called me back. On XX/XX/XXXX I submitted a claim to FederalReserve.gov to help on this matter, Transworld had told me they would provide statements, and that the fee is not able to be removed. I feel that this is in violation to the Fair Debt Collections Act 15 U.S.C. as I never agreed to a collection fee nor would any human being on the planet. I own up to this debt and as  such have made numerous payments, but with this type of theft my debt will never be paid in full. This fee is not a fee due to charging by checks or debt. No explanation to an agreement on this fee has been sent or agreed upon. I've also contacted the written correspondent which the billing statement shows to contact and they have no idea why.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received any information of this collection and why they are charging me {$860.00} not once but twice. Ive reached out multiple times and all they want is my social security. I have actual medical collection bills that have provided me proof of the date, treatments and costs of everything. None of those items come close to XXXX. I am asking for these negative charges to be removed off my report, I have already disputed these items of experian, XXXX, and XXXX multiple times.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  You replied that the alleged transaction that you identified as late is validated. You have no proof that this alleged transaction was late. 
15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date. 
XXXX ) XXXX XXXX XXXX ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! 
You have 10 days to send me all the required information. 
XXXX XXXX your reply to my dispute is Verified, have you verified what the requirements are for a creditor to treat a payment as late? The fact that you verified the information means that you are in possession of the information that was sent or mailed 21 Days before the statement date, and you are in possession of a copy of all information from 15 USC 1637 ( b ) and the Certified mail tracking number that proved the delivery of said information for you to verify this item as late! I am requesting a copy of the information pursuant 15 USC 1637 ( b ) and the tracking number that was used to prove delivery of said information to me the consumer 21 days before my statement date regarding this account. 
15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax are reporting a US Dept of Edu inaccurately, despite the AUD which was sent to them in XXXX of 2022 to remove ALL negative information. The account they continue to report showing a balance of {$36000.00}, is a accumulation of the other 19 US dept of Edu accounts which are reporting in good standing and never late as a result of the FRESH START PROGRAM. I have dispute this in the past yet Both Equifax and XXXX continue to report it inaccurately.
Product: Checking or savings account

I have been with Paypal for many years. My dispute is regarding fraud transfers on my account. Starting in XXXX someone transferred money from my account to XXXX XXXX. In XXXX it was XXXX XXXX XXXX, which they actually linked to my Paypal account. I live in Pennsylvania, neither 2 of those banks are located in Pennsylvania. I have had {$350.00} taken from me putting my Paypal account in a negative status and being sent to collections. The rep told me that my claim was denied because of multiple log in attempts. I didnt make those attempts. I log in with fingerprint. If they look thru all my transactions, they can see that i dont make transfers from this account only for my business. Payments of sales go into this account. I only log in when I receive an email stating insufficient funds. Thats when I see that someone has taken money from my account. In XXXX they actually transferred {$200.00} from my actual bank account into paypal and then transferred it to XXXX XXXX XXXX. Again, this is not my bank. I have spoken to 3 different reps at PayPal who say they will appeal their decision. I also emailed the CEO of PayPal XXXX XXXX. I dont understand why Paypal is giving me such a hard time in refunding my money. Yes, this is my money and I want it refunded asap. This is the 3rd incident this has happened. I plan on closing this account after my funds are returned.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration regarding the ongoing issue of fraudulent items appearing on my account. Despite numerous attempts and previous complaints, the problem persists, and I find this unacceptable.

I have made several attempts to resolve this matter, including contacting your customer service department, submitting dispute forms. However, despite assurances that the issue would be rectified, I continue to encounter the same problem.

This situation has caused significant inconvenience, stress, and financial burden for me. I expect a resolution to this matter immediately, including the removal of all fraudulent items from my account and appropriate measures to prevent similar incidents in the future.

If this issue is not addressed satisfactorily, I will have no choice but to escalate this matter further, including seeking assistance from relevant consumer protection agencies and exploring legal options. With this, I am asking for your assisstance to remove these fraud items in my credit file. XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  Balance : {$5200.00} ; XXXX XXXX Balance : {$210.00} ; XXXX XXXX Balance : {$15000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

After trying to set up a loan through affirm they denied me by saying an affiliate has told them that they are unable to identify me. I may have called a reporting agency to let them know XXXX has lost paper work on me.and to flag my name for any new loans to be approved but affirm is already an opened account. Thats all I can think of as why this company after years of being with them are denying me rights for loans. How do I remove this flag so that affirm can properly help me with my account. 

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

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Ive already included this report in my previous complaint & I am including it again. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$160.00} ; XXXX XX/XX/2021 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Product: Student loan

Issues started in XX/XX/2023 when I applied to the SAVE plan. 

Well, I still make my monthly payments. I payment my XXXX payment. So my next payment was going to be in XX/XX/2023 for the sum of XXXX dollars. 

On XX/XX/XXXX, I receive an email that my loan is in forbearance. 

I log into my account on XX/XX/XXXX. Now the amount that was due in XX/XX/XXXX is showing that it is past due. Mind you I had already made my monthly payment and no payment was due for XXXX. 

And now they have my XXXX due as XXXX dollars with a a past due for XXXX. 

Now am wondering, am I getting weekly payment dues? Tried calling no one picks up. I do not care if my payment due is XXXX but how can you decide that what was due in XXXX is now due in XXXX when a monthly payment has already been paid.
Product: Checking or savings account

On XX/XX/XXXX at approximately XXXXXXXX XXXX, I logged into our Huntington National Bank checking account and discovered that four fraudulent bill pay transactions had occurred. Those transactions are as follows : 1 ) XX/XX/XXXX - XXXX XXXX - {$9800.00} ; 2 ) XX/XX/XXXX - XXXX XXXX - {$9800.00} ; 3 ) XX/XX/XXXX - XXXX XXXX - {$9700.00} ; 4 ) XX/XX/XXXX - XXXX XXXX - {$9800.00} -- Grand Total is {$39000.00}. I immediately logged out of my account and drove to the local Huntington Branch to report the fraud. I was clear that we did not authorize these transactions. We never in 40 years have setup or used online bill pay from any of our accounts. HNB indicated that the online bill pay was activated on XX/XX/XXXX the same day as the first fraudulent transaction. HNB Assigned case # XXXX to my complaint. I also filed a police report. I have made numerous attempts to work with Huntington Bank for the past six months regarding this matter with no success. HNB Employees simply will not communicate or return my calls. They have denied my claim stating the reason is that the device used for these transactions was an IP address which was known to them from previous transactions not made a part of the fraud claim. I have assured them that we did not authorize these transactions nor allow access to our computer for others to access these accounts. Our passwords are not saved or given to anyone. HNB can not explain why the two factor authentication codes were not triggered for these fraudulent transaction. HNB Refuses to cooperate with the police detective or us regarding this matter and simply deny responsibility and will not return our money. They have not responded to my requests to provide complete documentation of all correspondence for this case or to provide instructions for the appeal process when HNB issues an initial denial of a claim. I believe I have protections under Regulation E and that our {$39000.00} should be returned to us by Huntington National Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wallet got lost years ago I never made a police report because it was returned I never relieved these until I started to understand my credit report and relieved these XXXX XXXX XXXX account and inaccurate and Unauthorized things along with name change and wrong address which were deleted
Product: Credit reporting or other personal consumer reports

I have a closed charge-off account with Discover Bank that has charges that I did not authorized. 

I have sent letters to Discover requesting documentation of such account to proof the charges and to this day I have not received any letters from them. 

I sent them a FTC & Police report of such fraud account but they have not take it into consideration and that account is affecting my credit.