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

I received a notification a bit before midnight XXXX/XXXX/XXXX that I had overdrawn my account by {$1.00}. Up until XXXX XXXX. when I checked my account it was in the positive. Not willing to leave my house in the middle of the night to risk my life going to the bank I waited to correct this. I figured that since I just got the overdraft there should be no reason I could not instantly correct this when BB & T opens. The next day, XXXX/XXXX/XXXX I made a deposit at the drive through to cover the negative only to find that {$1.00} had already cost me {$36.00} in fees in less than 12 hours. I called in to try to correct this. I was informed that there was no way to override to help me. I asked to speak with a manager and was hung up on. I proceeded to BB & T XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX and waited for XXXX XXXX. I informed her that I wanted to correct the overdraft. That I believe that I got it wrongfully and if she could please help. At that point, I had {$0.00} in my account from a deposit I made that only covered the overdraft. XXXX XXXX pulled up my account and informed me of my balance. I agreed and asked her to please explain how their overdraft works. That I did not understand what she was saying. XXXX felt it necessary to mention over 20 times that my balance was " XXXX cents. '' Every time I agreed, even after I realized what she was trying to do. However, telling me over 20 times that I have a XXXX cent balance is not an explanation. I then asked her to please print me off the overdraft policy form for written legal understanding. Once I knew she was not there to help me, but to try to belittle me in front of other customers mentioning over twenty times " You only have XXXX cents in your account. '' XXXX XXXX then informed me that I was going to " get hit with 2 more overdraft fees for pending items that have not yet posted. '' It took nearly 20 minutes to get her to answer a simple question of if I make another deposit with you now, will that cover things. Again, after mentioning my {$0.00} balance a few more times and avoiding my question she finally answered and said yes, it would cover the pending as long as nothing else goes through. I deposited {$50.00}, she said : " Do you have {$0.00} in this account too? '' That XXXX me off. That is when I knew for a fact that she was intentionally repeating my balance to try to embarrass me. I informed her that she has mentioned my balance over seven times in the last 3 minutes alone, and louder than anything else she said. Today is XXXX/XXXX/XXXX and the 2 pending items have cleared. Yet, I still have that {$50.00} in addition to my direct deposit my account. XXXX XXXX informed me I needed to make the deposit to cover the pending items to stop 2 additional overdraft fees. This banking institute has poor practice, no morals, and the complaints are horrible. Sadly, I am only now learning this. I want my overdraft refunded to me and a formal apology from the bank for XXXX XXXX 's actions.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent copies of a paid collection agreement and proof of payment of {$300.00} taken out of my account on XX/XX/XXXX to all 3 credit bureaus XXXX, XXXX and Experian and asked them to please remove collection status to show paid. I disputed 1st with all 3 bureaus to be told that it was investigated and the account was valid, then i sent proof showing that it was in fact paid and they still said the collection was valid. I am trying to purchase a home and this is still showing derogatory. Could you please help me?
Product: Debt collection

PROFESSIONAL ACCOUNT MANAGEMENT , LLC communicated with me via XXXX in regards to an alleged debt on XX/XX/2022. I wrote a letter demanding validation of this alleged debt as I have no record of consenting to be communicated by PROFESSIONAL ACCOUNT MANAGEMENT , LLC nor am I legally obligated to pay any and all alleged debt to them as I have no contract with PROFESSIONAL ACCOUNT MANAGEMENT , LLC. I also attached a cease and desist and bill of particulars with the beforementioned letter. All documents were sent off XX/XX/2022 certified mail with a green return receipt and received on XX/XX/2022 by registered agent and XX/XX/2022 by agent at principal address. The green receipt has not been returned back to me yet but I have a proof of delivery via certified tracking # XXXX XXXX XXXX XXXX XXXX. PROFESSIONAL ACCOUNT MANAGEMENT , LLC was given XXXX  days upon receipt to provide proof for me to see that validates their alleged claim. PROFESSIONAL ACCOUNT MANAGEMENT , LLC. has failed to do so resulting in this matter being settled and must pay {$4000.00} in XXXX Funds by check payable to XXXX XXXX XXXX XXXX and sent to my place of abode on file for this alleged account for false claim and violations of the XXXX that include deceptive, false and misleading practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband, XXXX XXXX, and myself have tried several times to correct an issue over the phone and through their Dispute process for XXXX XXXX XXXX. XXXX XXXX XXXX placed the loan in Forbearance for my daughter after loosing a job from COVID. XXXX made a mistake of reporting the payment late when the loan for in Forbearence. They sent in a correction and XXXX and XXXX corrected it after much pressure. Transunion refuses and keeps making me supply more evidence that XXXX XXXX XXXX made a mistake. XXXX XXXX XXXX claims they have submitted several creations for all four names on the loan and there is nothing more they can do. So I turn to you to help me get Transunion to fix the issue.
Product: Credit card

Extended credit of $ XXXX addition credit of existing limit. Deny because of past bankruptcy in 2012. Requested AMerican Express Credit policy and I was denied. Only re-cause-is to ask CFFB to request Amex credit policy in my behalf and provided it to me. 
Therefore, I can you forward to me at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Florida XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of unauthorized accounts and inquiries from my credit report, as I am a victim of a data breach. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I respectfully request that the following accounts and inquiries be blocked and deleted from my credit file : Unauthorized Accounts : XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$110.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$5.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$820.00} XXXX. XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$360.00} XXXX. XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$260.00} Unauthorized Inquiries : XXXX. 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I'll reach out to this. About the methods of verification with XXXX XXXX XXXX sign they have verified my account I asked him the method of verification I was failed to be obligated on that issue out of the Fair credit my rights has been violated on the tire USC code 1681 paragraph 7 I have rights to all original documents with my signature that you guys fail to produce to me
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple inaccuracies on my credit report. Old and outdated information or items that should have been removed. I dont recognize a few items on my report, and Im trying to repair my credit so its very frustrating
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for their blatant and continuous violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and other applicable laws. Experian has willfully neglected its legal obligation to properly investigate disputes and update inaccurate information on my credit report, despite receiving sufficient documentation FOR OVER A YEAR! 

For accounts : XXXXXXXX XXXX XXXXXXXX : Account # XXXX XXXX XXXX : Account # XXXX I have submitted the following documents as evidence to resolve the issue : 1. A notarized FTC Identity Theft Report.

2. A notarized police report.

3. Copies of my government-issued identification.

4. Proof of address to verify my identity.

These documents were sent to Experian in compliance with their requirements. However, Experian has ignored or improperly handled my dispute, failed to provide adequate updates, and allowed inaccurate, damaging information to persist on my credit report. 

Additionally, I am aware that the Consumer Financial Protection Bureau ( CFPB ) is actively suing Experian for repeated violations of consumer protection laws, which reinforces their pattern of negligence and disregard for consumers rights. Experian has not only caused significant harm to my financial standing but has also violated my rights to fair and accurate credit reporting.

If this issue is not resolved promptly, I am prepared to take legal action against Experian for : 1. Failing to correct errors on my credit report.

2. Neglecting their legal obligation to investigate disputes under the FCRA.

3. Inflicting harm and financial damages by allowing false information to persist.

This is a demand for immediate action. Experian must correct the inaccuracies on my credit report, provide documentation proving the completion of a thorough investigation, and comply with federal laws immediately. I will hold them accountable in court if they fail to take corrective measures.
Product: Debt collection

On XX/XX/year> I called collection management and XXXX was being very rude in his tone and what he said. He also said he was the supervisor and if I did not pay today he would continue updating the collection on my report to hurt my credit. Please review his recorded line and take actions against this individual. He is working at a business and should conduct himself in the highest of manners if he is in the customer service business.
Product: Vehicle loan or lease

Honda Financial Services owes me money and they stated once we return the leased vehicle to XXXX XXXX XXXX we would be receiving a check for $ XXXX been more than a month and half now and we have still not received the refund check.Everytime we call Honda financial services customer care its more than an hour wait on hold and when we call XXXX XXXX XXXX no one even bothers to assist us with this refund!
Product: Credit reporting, credit repair services, or other personal consumer reports

Chexsystems is not reporting correct information with regards to a bank checking account that was resolved.
Product: Payday loan, title loan, or personal loan

I am attempting to improve my credit score so that I can refinance my private student loan to lower my monthly payments. I also am in default of a private loan with that same loan servicer ( XXXX XXXX XXXX holds my student loans, XXXX XXXX holds my defaulted private, non-student loan ). I was previously working with XXXX XXXX XXXX to manage my non-student loan debt and went into default on my private loan with XXXX XXXX as part of that program. However, I elected to step away from XXXX XXXX XXXX and resolve my collections debt on my own. I continue to get negative marks on my XXXX XXXX private loan for missed payments instead of that debt being sold off to a collections company. I believe that XXXX XXXX is intentionally doing this in order to keep my credit score low and prevent me from refinancing and going to a different loan servicer for my private student loans. See CFBP complaint with my previous dealings with this loan servicer : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I purchased a Vehicle at XXXX XXXX in XXXX New Jersey. I was approved by XXXX XXXX XXXX XXXX I signed the paperwork and toke the car home after driving for a few miles the car was shaking toke the car back to the dealer. 
They attempted to repair the vehicle I picked up the vehicle and it still had problems so I return back to the dealer to try to fix the problem again. I receive a phone call that the vehicle was fixed again I pick the vehicle up and drive it the vehicle still has problems so for the 3rd time I take the vehicle back to the service department at the dealer and told them unless they can correct the problems I do not want the car, that was on XX/XX/2019. The service department called a couple days later stating that the car was fine they couldn't see anything wrong with it so I told them I do not want the car and I'm not picking the car up they can have it. 
Sometime in between all this adventure I received a letter from XXXX XXXX saying welcome to XXXX XXXX I texted the dealer and asked what was going on I did not sign any paperwork with XXXX XXXX. I received no answer or explanation so I proceed it to contact XXXX XXXX and notify them that I have no contract with them. 
After going back and forth with bank and getting nowhere I requested a copy of the paperwork that they approved the loan on. After receiving the copies of the paperwork I noticed the contract had been modified scratched over XXXX XXXX XXXX and handwritten XXXX XXXX by hand that is not a binding contract and the fact that the car was in possession of XXXX XXXX when the loan was originated. 
I want to make sure that they don'y do this to anyone else as I'm still trying to correct my credit report as XXXX XXXX reported me as late payments and written off loan that ended up been paid by the dealer XXXX XXXX. This has cause me to have credit cards closing my accounts and my credit score going form XXXX to XXXX this has ruined my life it toke me 20 years to get my credit to where it was and a company committing fraud to ruin my credit. This is not fair XXXX XXXX and XXXX XXXX should not be allowed to do what they have done. 
Any help would be appreciated. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX insurance on XX/XX/2018 has an Inquiries in which I did not request insurance of any kind or ask to purchase or sign anything for insurance with XXXX
Product: Mortgage

I have an ongoing nightmare with my deceased mother 's co-op in XXXX NY XXXX. Original investor Washington Mutual offered Mom offered Mom a second mortgage totaling {$240000.00} in XXXX, with XXXX as the servicer. This was bought by JP Morgan Chase in XXXX, XXXX when XXXX went out of business for mortgage fraud. My mom was not qualified to fulfill this contract in XXXX when it was approved by JP Morgan Chase and XXXX : she was then XXXX and living on only {$25000.00} a year in social security. Though they do not admit it, there was a law already on the books prohibiting this unfair practice. 
But both the past servicer, XXXX XXXX XXXX, and present servicer, XXXX, as well as XXXX are unwilling to help with either a principal reduction or deed in lieu of foreclosure. The XXXX XXXX XXXX made sure to unload this toxic situation before they faced the {$17.00} XXXX mortgage fraud penalty in XXXX XXXX, obviously so they could avoid helping the consumers in trouble. XXXX coldly declares " it is our policy to not complete a mortgage release on a co-op. '' After she passed away in XXXX, the servicer has scheduled foreclosure twice, cancelling it XXXX times. It is now 'in foreclosure ' again since XXXX, but no sale date is set. I also live on limited income and can not afford to take over the deeply underwater mortgage. 
There was no reasonable expectation they would ever be repaid the loan amount of {$240000.00} due to Mom 's severely limited income, advanced age and lack of assets. They have taken no accountability for loans that should never have been approved. But the creditors hold all the legal cards in the present legal atmosphere.
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, 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX opened up 2 accounts without my consent and they are now in the process Of being sued. I submitted the letter from law firm to XXXX as well as XXXX  and they still refuse to delete the fraudelent accounts.
Product: Credit reporting or other personal consumer reports

I sent out two letters to the department of educationXXXX and credit bureaus to provide verification that its my debt with my signature on XX/XX/2023 and XX/XX/2023 the company never sent the verification and credit bureaus did not respond either with proof. they put this on my credit without notifying me before hand and altered my credit score
Product: Checking or savings account

So basically I was out shopping and my phone which is my wallet too because it's connected to my phone case the thiefs went in multiple accounts and stole my money XXXX was stolen out of this particular account of mine which is XXXX who I'm filing this complaint against I went straight to the police department when this happened to me they helped me file a report a few days later i was able to login to the find my phone app and was able to track and recover my phone in the alley behind someone home and of course instantly file my dispute XXXX had the nerve to deny my dispute because they're system is telling them my phone was never stolen because I'm using it when Im clearly stating I have a police report and the officers went with me to recover my phone me being able to find my phone doesn't defeat the fact my phone and cards was stolen at the time of these transactions im demanding a real account specialist not robotic system thoroughly review my case and override for these transactions to be replaced and returned to my account like I deserve this have put so much financial hardships losing this amount of money but can I have real assistance thank you have a blessed day
Product: Credit card or prepaid card

Capital One has repeated denied transactions due to their fraud screening even after identity verification. I admire progress in companies flagging transactions " out of profile '' but Capital One has denied my last 4 ( all ) transactions in less than a week. All of which, I either verified my identity via their procedure, or attempted to do so. After being flagged repeatedly ( I actually gave advance notice of the 3rd transaction while verifying the 2nd charge and was still blocked ), I have been asked to provide further verification. 
Of greater to interest to you, is not only is this inconvenient, but when I tried to file a complaint with Capital One, I was told it was another department and I could not file a complaint until I went thru a higher level of identity verification ( which could take days ). 
I was of the opinion that any consumer could file a complaint, even if I was not an existing customer of the institution? I believe this is a direct violation of one or your existing rules. I additionally tried Capital One 's mobile site & website and did not find filing a complaint on either site intuitive.
Product: Debt collection

i recently checked my credit report and discovered that this company has placed this item on my credit. I have never done business with this company nor have they provided me with any services or goods. I was never notified that I owe a debt with this company therefore my rights were violated. I want this company to produce the documents with my signature indicating that I agreed to pay for services or goods and it they are not able to do so I demand that they remove the items immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 Chrysler Capital has an inquiry on my credit report that I did not authorize.
Product: Mortgage

I have been working with Caliber regarding a loan modification and have submitted all documents in a timely manner. Since XX/XX/XXXX, I have been submitting all documents on time and within a 3-5 day period to ensure there is no time gap in between. I feel it is completely unfair to now tell me on XX/XX/XXXX that the application can no longer be reviewed because the docs were not received 37 days prior to the sale scheduled for XX/XX/XXXX when on XX/XX/XXXX I was requested to send in documents and sent them in within 3 business days. Why even tell me to send in the documents if they were aware they could not review it? Hence wasting my time when I could be preparing for something else. Now I am worried again about the upcoming foreclosure and do not feel I have been provided with alternatives options to save my home. At this point in time, I do not nor have I ever had a designated point of contact through Caliber nor has anyone reached out to me when I became in default to provide options to save my home. I initiated contact and reached out to an attorney to find out my options and feel my rights are being violated.
Product: Credit reporting

I HAVE DISPUTED THIS ISSUE WITH EQUIFAX BEFORE AND THEY STILL LIST THIS INVALID ACCOUNT ON MY CREDIT REPORT. I JUST WANT THEM TO EITHER SHOW ME THE DOCUMENTS THEY SAY THEY USED TO VERIFY THIS INFORMATION OR FOLLOW THE LAW PER FCRA SEC 611 ( 5 ) ( A ) AND REMOVE THIS IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I was never late in the paid account listed above please show me proof of transactions showing I was ever late to support your inaccurate reporting on my account if you can not supply this please delete this alleged late payment from my credit report.