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

Within the last XXXX  months XXXXXXXX XXXX  has charged me a total of {$2400.00} in Overdraft fees and OOPS fees. They have held large paychecks in the " pending '' status so the funds were not made available to cover an XXXX transaction dispite the posting date being that day which they charge me a {$29.00} return items fee. That items fee Overdraft my account so then I get charged an OOPS fee. This happened many times. 

Another frequent scam they do is the same thing but in reverse. They make my check available so I see there are funds in my account at the time I initiate transactions and then process them in such a wild way that eventually Overdrafts my account which i get charged several more Overdraft fees and return item fees. 

XXXX XXXX response when I asked several times for the fees to be returned they state their policy only allows them to return a maximum of XXXX fees a year. I've been charged hundreds in XXXX  months. 

Just from XX/XX/year> to XX/XX/year> I have been charged over XXXX dollars in return item fees that never should have been returned and that was all the money I had available. This created a hardship as they took all my money. At this time someone drove their SUV into the side of my house making another hardship. I sent XXXX XXXX  proof of this extreme hardship and requested they just return the most recent fees they took from me so I could have access to some funds given it's an emergency for my family which was flat out denied. This was escalated and denied again. It's been denied about XXXX times now. 

This credit union is making a profit off my extreme hardship which shows they are only veteran associated to target veterans for their own gain. Just horrible.
Product: Credit reporting or other personal consumer reports

I found unauthorized inquiries on my credit report this morning, and I have no idea how they got there. I check my report regularly, but this time there were unexpected discrepancies. I tried refreshing the page, hoping it was just a glitch, but that didnt fix the issue. Im incredibly frustrated and want the documents Ive sent to be reviewed immediately so I can stop stressing over this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to work with the credit bureau 's for quite some time on repairing a negative account reporting by XXXX XXXX XXXX. On XX/XX/XXXX I notified the bureaus that the account is reporting a monthly payment on a closed account which still continues to report on my credit report. OnXX/XX/XXXX I submitted a direct to furnisher dispute advising them that the date of last activity is reporting inaccurately it reports : XX/XX/XXXX ( XXXX  ), XX/XX/XXXX ( XXXX  ), and XX/XX/XXXX ( Equifax ). OnXX/XX/XXXX I notified the credit bureau 's that the date of last payment is reporting inaccurately it reports that the date of last payment is XX/XX/XXXX ( XXXX  ), XX/XX/XXXX ( XXXX ), and XX/XX/XXXX ( Equifax ). On XX/XX/XXXXI notified the furnisher directly that there is a monthly payment of {$400.00} reporting to XXXX  and Equifax on a closed account. Last but not least the payment history is reporting inaccurately it reports that I was paid on time ( XXXX  )XX/XX/XXXX and 30 days late ( Equifax ) at the same time. XX/XX/XXXX it reflects that I was 30 days late ( XXXX  ) and 60 days late ( Equifax ). XX/XX/XXXXit reflects that I was 60 days late ( XXXX ) and paid on time ( Equifax ).XX/XX/XXXX it reflects that I was late 90 day ( XXXX  ) and paid on time ( Equifax ), XX/XX/XXXX it reflects that I was 150 days late ( XXXX ) and 120 days late ( Equifax ). It also reflects that I was late 120 days for the months of XXXX-XX/XX/XXXX on Equifax. There is also activity reporting after the account was closed which from my understanding is a violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my credit report and notice there were fraudulent accounts that does not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : XXXX XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX
Product: Credit card

My name is XXXX XXXX, and I have been a loyal Bank of America customer for several years. I am writing to express my concern about the sudden closure of my two credit card accounts. 

On XX/XX/XXXX, I contacted customer service to inquire about my accounts and was informed that they had been closed on XX/XX/XXXX due to either late payments or a high balance. This decision has caused me significant distress, as I have never been late on any payments. Additionally, I am aware that other customers with high balances have not faced similar actions. 

The abrupt closure of these accounts poses a serious risk to my credit score and financial stability. I am also concerned that my checking account may be at risk of being closed without notice. This situation has left me feeling both disappointed and uncertain about my relationship with the bank.

To resolve this issue, I respectfully request a thorough review of my accounts and the reasons for their closure. If possible, I would like to have my credit card accounts reopened or, at the very least, have the interest rates adjusted to make repayment more manageable. As a long-time customer, I value transparency and fairness and believe this matter warrants reconsideration. 

I look forward to your prompt response and a resolution to this issue. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

They closed the account due to the fact I had multiple payments that returned even though I was up-to-date on my payment. Once they closed the account they let me know, I still owe the balance I told them great, I will pay it as soon as I can. Then they started with the bombardment of phone calls.
Product: Debt collection

On XXXX XXXX, 2023 I went to the XXXX, the hospital filed a claim and was paid yet the doctors failed to file at all and turned it over the the collection agency United Collection Bureau , INC . I have informed them on at lest XXXX phone conversations and one 3 way phone call with my insurance company XXXX XXXX on how to file the claim. They keep saying that the were not able to pull me up. I have sent a certified letter with the information and yet still get the same answer " we couldnt pull you up ''. I am fully insured and no other companies have this problem, they keep wanting my social and my spouse 's social and we have given them and informed them like my insurance agent did over the phone that it has to be filed with the policy/benefit number. My agent informed them as well as I that if they have filing questions to give them a call but they have never called. I honestly believe they are trying to not file in order to try to get me to pay the entire amount instead of the insurance accepted amount that was agreed when I went to the XXXX.
Product: Credit reporting or other personal consumer reports

Multiple addresses that are not mine or tied to my name or names similar to mine.
Product: Mortgage

I am a single parent of XXXX young children and fell behind due to XXXX. I received an RMA ( request for mortgage assistance form ) and sent it in more than 30 days out from my foreclosure sale date, but the lender kept saying they did not receive my forms. I then turned to a loss mitigation option to Short Salethe property as its condition was inhibiting getting a full payoff w/ all the fees etc. The highest offer is XXXX XXXX CASH but may not close until slightly after the XXXX  as they notated foundation issues. XXXX XXXX sent in ALL the paperwork and we are trying all we can to help prevent my children and I from foreclosing and becoming homeless. The delinquent balance is currently {$30000.00}. I do not have the resources or money to get this paid. Please consider postponing the XXXX  date as a one-time request and/or accepting the $ XXXX CASH OFFER to allow us to get the home sold for its true fair market value.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this problem for many years and was told that it was accurate after they investigation. But when i can them they don't even have my information. And this all started in the year of XXXX, and I been fighting to get it removed off ever since. So, I decided to get help for the police department. XXXX XXXX had me file identity theft report. And said she would investigate the situation and if she finds it to be fraud. she would notify me with a case number. And she did find it to be fraud and gave me a case number # XXXX. so, nothing was done about at the credit bureau it is still on my credit report. Now I'm asking for your help with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been disputing this matter for over a year on both of my vehicles which where purchased through XXXX auto tri color it been effectiving my credit score an business credit due to false info which Ive provided proof that the car was settled out as a total loss Ive submitted 3 disputed with XXXX XXXX with XXXX an once with XXXX my credit score should be in thee XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been over 30 days since I submitted complaint with the credit bureaus and I have not received a responds.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I discovered several inaccurate collection accounts on my credit report. These entries were reported without proper validation or accuracy, violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2. Despite contacting the relevant companies and providing documentation, these errors remain unresolved. 

Collection Accounts : Under 15 U.S.C. 1681s-2, furnishers of information to consumer reporting agencies must report accurate information. The following collection accounts are being inaccurately reported and should be removed : XXXX. XXXX XXXX XXXX Account Number : XXXX Balance : {$430.00} Status : Collection/Chargeoff Date Reported : XX/XX/XXXX XXXX. XXXX XXXX  XXXX Account Number : XXXX Balance : {$6500.00} Status : Collection ( previously late payment ) Date Reported : XX/XX/XXXX XXXX. XXXX XXXX  XXXX Account Number : XXXX Balance : {$7300.00} Status : Collection ( previously late payment ) Date Reported : XX/XX/XXXX XXXX. XXXX Account Number : XXXX Balance : {$0.00} Status : Collection ( previously late payment ) Date Reported : XX/XX/XXXX These accounts have been incorrectly reported, causing harm to my credit score and financial standing. I request an immediate investigation and removal of these accounts from my credit report, as mandated by the FCRA.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Charge-off is considered a certificate of indebtness so it's now income and income can not be reporting to my report as you can see with my XXXX account XXXX is reporting as a charge off. According to 15 USC 1681b permissible purpose of consumer reports I didn't give these agencies written consent to add any inquires to my consumer report I did not give this authorization that is a violation of the Fair Credit Reporting Act. So all inquires need to be remove. Any it's illegal to report transaction. 15 USC 1681s-2 ( A ) ( 1 ) states " 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. As you can see each account has inaccurate information and each account need to be deleted from my credit report. 15 USC 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of the title. XXXX, Experian, and XXXX are not maintaining reasonable procedures.
Product: Credit reporting or other personal consumer reports

These credit bureaus keep violating my rights as a consumer. I've giving them multiple attempts to correct these errors. This is my final attempt at getting these items removed permanently. 

According to FCRA Section 605B, it is illegal to report information on my credit report without my permission. 

According to 15 USC 1681 C-2, if a block of information is declined or rescinded under the subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of the information under section 1681i ( a ) ( 5 ) ( B ) of this title.

According to 15 USC 1692g, states that within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt, ( 2 ) the name of the original creditor whom the debt is owed, etc. 

According to 15 USC 1666b, a credit may NOT treat a payment on credit card account under an open end consumer credit plan as late for any purpose. 


Accounts to be removed : XXXX XXXX XXXX XXXX XXXX XXXX ( not my address- Remove Immediately ) XXXX XXXX XXXX XXXX XXXX  XXXX ( not my address- Remove Immediately ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX )- Didn't receive my written consent ; the local courts acknowledge that they didn't provide this information to the data furnishers. 

If these accounts are not removed immediately, I will seek civil liability damages of {$1000.00} per violation pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ].
Product: Vehicle loan or lease

I made a payment for XX/XX/XXXX on XX/XX/XXXX. It wss 29 days late for {$480.00}. I made the payment on the site. It uses XXXX XXXX to process payments. My account information is usually pre stored. 
The month prior I made a payment over the phone with my debit card. I submitted my payment on the 6th like normal. After a few days, I noticed the money was still in my account. I them checked the emailed receipt and noticed that it had the last four digits of my debit card not checking. You can only do check payments on the site. 
I call on the XXXX to let them know the error and used my debit card to make XX/XX/XXXX payments becaue I knew it was going to get returned because the last 4 of my checking was wrong. 
I expressed to them that I can't afford a 30 day late payment and it was a glitch on there site. 
I got mixed responses from customer care as if I would. I just want to make sure I don't since it was an error on their part
Product: Credit reporting or other personal consumer reports

This is my last time disputing these accounts. I am sending another letter in regards to these accounts I previously disputed. These fraudulent accounts aren't mine, and it's still on my report. I have recently reviewed my credit report and noticed multiple accounts from companies I do not recognize, and I have not authorized any of these accounts.
Product: Money transfer, virtual currency, or money service

I initiated a transfer for {$1400.00} via online banking on the Bank of America website on XX/XX/18 at around XXXX. This was payment for deposit and first month rent after I had sent back a signed lease to the scammer. I had discovered that it was a scam later that day and called Bank of America at around XXXX on XX/XX/18. I had asked them to stop the transfer, but they said there was nothing they could do even though they knew it was a scam.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I noticed that I have a late payment being reported by Capital One Credit card XX/XX/year>. I have been a Capital One credit card holder for almost 10 years with excellent payment history. I was a victim of XXXX XXXX and I was forced to make some life changes immediately. I reached out to the company and unfortunately they were unable to help me. 




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. 
2 ) 15 USC 1637 ( 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.
Product: Credit card

The company provided only letter of requesting more time, and cheap explination of the reason they close the account for innactivity, but the customer ( myself ) never close the account as the report shows at XXXX XXXX XXXX XXXX.. 

Even the policy of the credit card do not stablis any rules if by inactivity we the bank wells fargo will close the account as customer request. 

Also the lack of communication of this bank, they never reach me out email or mail.. only after this incident started. When the credit card arrived on the mail the only thing included was the card with some kind of statement of microcenter, and limit, but nothing else regarding policy.
Product: Credit reporting or other personal consumer reports

They reported that this account was Paid, Closed {$520.00} written off. I asked that they send a 1099-c so I can report to the IRS. They said they cant because it was paid from reserves. So I again asked for a 1099 if its reporting as a charge off or to remove the reporting on the credit bureaus and they again said they can not!
Product: Debt collection

On XX/XX/XXXX my ex-spouse was awarded my vehicle which was a XXXX XXXX XXXX in our divorce. As of this date I was no longer responsible for this vehicle. I have sent copies of this decree to the creditor numerous times but they refuse to remove my name and information for this debt. I have been trying to remove this item off of my credit report so i can purchase a new home for my children and myself but they have refused to remove this even though they have proof it is not my debt.
Product: Money transfer, virtual currency, or money service

I was sold services to help with establishing my business, as far as filing paper work. I sent a payment of {$730.00} via XXXX to the individual, who was soliciting their services, on XX/XX/2021. Nearly two weeks later, the individual no longer responded to any emails, deleted their XXXX page, their number was deactivated and none of the services I was sold had been completed. My XXXX account was then deactivated, I have reached out to my bank, Navy Federal Credit Union, who transfers me to XXXX Customer Service because they state their was nothing they could do. XXXX also advised me that there was nothing that could be done to reactivate my XXXX account or attempt to get my money back. I have been calling frequently to try and resolve this issue and I am told nearly every time there isn't anything they could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not sure what happened I wasn't even living in that town I've never taken an ambulance around there like that's not me I don't have any like knowledge of it
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit and I found things on there that I have never applied for. These items are not mine. Please remove this from my report. 

DPT ED/XXXX XXXX {$7100.00} XXXX XXXX XXXX {$470.00} XXXX/XXXX  XXXX {$0.00} XXXX XXXX XXXX {$470.00} XXXX/XXXX   XXXX {$1400.00} XXXX/XXXX   XXXX {$740.00} XXXX  XXXX {$2600.00} XXXX  XXXX  XXXX {$58.00} XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$6700.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$730.00} XXXX  XXXX {$2200.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$980.00} US DEP ED XXXX {$980.00} XXXX/XXXX  XXXX {$360.00} XXXX   XXXX  XXXX {$170.00} US DEPT ED XXXX {$4500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting and XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 Section 604 2. It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Vehicle loan or lease

The value to debt ratio is inverted and the title is prejudiced due to fraud on the part of the selling agency. I have been told by the XXXX XXXX that they can not take the car in on trade, even though Infiniti XXXX XXXX XXXX authorized the vehicle for resale after replacing defective parts. Infiniti is now calling the vehicle a lemon and telling me I am just stuck with the auto. I owe {$13000.00} the value is @ {$9000.00}, which is well below value due to the lemon identifier. Further, the XXXX reports prevent the vehicle from being sold. When the vehicle was sold to us, we were provided a fake XXXX Report indicating the airbag recall was the only issue with the car. That is not the case. I took the vehicle to XXXX XXXX in XXXX Georgia who performed all warranty work and on three separate occasions, the sales manager contacted me to buy the vehicle due to its condition and maintenance record. When I finally became interested in trading for a new vehicle, it was sprung on me that the vehicle could not be accepted by the dealership. This responsibility falls upon Infiniti  XXXX  XXXX XXXX.
Product: Bank account or service

In XXXX, I signed up for a Citigold account via a promotional offer ( XXXX ) that advertised XXXX XXXX XXXX miles after completion of two requirements : { {$1000.00} } dollars in qualifying debit card purchases and one ( 1 ) or more qualifying bill payments for two ( 2 ) consecutive calendar months, with all requirements to be completed within sixty ( 60 ) days of account opening. I was told I had been enrolled for the offer and just needed to complete the above requirements in order to obtain my bonus. So I completed these requirements within the allotted time, confirmed conditions were met with Citibank, and waited for my points to arrive. After more than 90 days had passed, I had still not received my bonus, so sent an inquiry via secure message. I was told to continue waiting. After more time had passed, I reached out again, and was told they would investigate the bonus offer. It was then concluded that I would not receive a bonus. I was eligible under the terms and conditions and met the requirements, yet they still would not make good on their bonus offer.
Product: Checking or savings account

Chase Bank overdrew my accounts by {$2000.00} as a result of their own accounting issues. In consequence, I was charged late fee for late credit card payments to the same institution even though I had auto pay. And they have restricted access to my account and money. I have no way to purchase necessities ( food, medicine, travel to work )