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

My account was overdrawn, however I made a return to a store. When I checked my account to see if the credit had posted, I found that Suntrust had applied an extended overdraft fee. This fee XXXX the amount of {$36.00} if the account is overdrawn more than a week. This seems like a predatory practice, most people are paid bi-weekly. I have been a customer of Suntrust bank since 2010, and have direct deposit set up on my account. 
I went to the bank to speak with a representative and let him see the copy of my credit from the store. He said that it was pending, but he could not make the decision to issue a refund of the fee as a courtesy. He would email his manager, and his manager would make a decision upon his return. XXXX days later, the manager, XXXX XXXX, called me and informed me that because of my returned item ( an insurance check that automatically is paid from my account ), the overdraft was my fault and the bank was right in charging me the fees. He rudely hung up the phone as I tried to discuss my concerns. To have an extended overdraft fee is an excessive fee, which makes it more difficult for consumers to gain financial stability. My account was overdrawn by {$11.00}, I was charged a returned item fee of {$36.00}, then an additional extended overdraft fee of {$36.00}. 

This practice should not continue, and Suntrust should issue refunds of the extended overdraft fees.
Product: Credit card

This account is invalid. BANK OF AMERICA needs to verify under oath that this claim is valid, freeform any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records. 

BofA # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IN XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$38000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$14000.00} XX/XX/XXXX XXXX XXXX VA XXXX {$130.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX {$570.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$5300.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$6300.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Name : XXXX XXXX XXXX # XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Payday loan, title loan, or personal loan

Sometime around the beginning of XX/XX/XXXX my billing cycle was changed without my permission in regards to my flex-loan with Advance Financial. They also attempted to withdrawl payments from my bank account ( XX/XX/XXXX ) after I had submitted in writing to revoke permission to withdrawl funds from my account ( XX/XX/XXXX ) because of the billing issues. I have had no true resolution on my account even after submitting a BBB complaint ( # XXXX ). I have spoken with both XXXX XXXX ( Customer Resolution ) and XXXX XXXX ( Manager ) and each time I only ask for my account to be updated and a correct statement sent to me so that I can make my payments. Each time I speak to XXXX XXXX he tells me that he is correcting the error and fix my statement. I have made it clear that I will not make further payments until all errors have been corrected and I am sent a correct and accurate statement. I am told that they will only correct the errors after I make a payment. I think this is an unreasonable request when the statement that I am paying is incorrect. I have been told that adjustments will be made and fees removed from my account only after I make a payment. I have also requested no phone contact via writing and am still receiving multiple calls daily and voicemails with no messages left on my cell phone. This is a direct violation of my FDCPA rights in regards to ceasing communication and harassment or abuse by causing a telephone to ring continuously with intent to annoy. I just want resolution and my account corrected. I have included copies of BBB Complaint, email communication, phone calls and request to stop payments.
Product: Credit card

To whom it may concern, I am writing this complaint against Capital One because Capital One would not adjust my spending bonus for my recently opened Capital One Quicksilver credit card. 

On XX/XX/XXXX, I applied for the Capital One Quicksilver credit card using my daughters referral link XXXX XXXX XXXX XXXXXXXX ) and was instantly approved. 

A few days later, on XX/XX/XXXX, my daughter told me that the spending bonus had increased from {$200.00} to {$250.00} if I used her referral link XXXX XXXX XXXX XXXX ) to apply for the XXXX credit card. 

However, since I already used her original referral link to apply for the XXXX credit card on XX/XX/XXXX, I couldnt use her new referral link to apply again to get the {$250.00} elevated spending bonus offer. 

On XX/XX/XXXX, I called Capital One customer service. I explained the situation and asked if they could increase my spending bonus from {$200.00} to {$250.00}. They said they were unable to adjust my bonus to {$250.00}. 

On XX/XX/XXXX, I received the {$200.00} spending bonus in form of reward cash. 

On XX/XX/XXXX, I called Capital One customer service again. I explained the situation and asked if they could increase my spending bonus from {$200.00} to {$250.00}. Again, they said they were unable to adjust my bonus to {$250.00}. I called customer service a few times that day and received the same response each time. 

On XX/XX/XXXX, I filed a complaint against Capital One on the Better Business Bureau website in hopes that Capital One could resolve this issue. On XX/XX/XXXX, Capital One responded to my complaint through the Better Business Bureau. Again, Capital One wouldnt honor the {$250.00} elevated spending bonus offer and refused to adjust my spending bonus from {$200.00} to {$250.00}. 

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

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Checking or savings account

I was charged a {$35.00} overdraft fee on XX/XX/2019 for an apparent overdrawn account on XX/XX/2019. However, my account never went into the negative on that date and remains in the positive today ( XX/XX/2019 ).
Product: Debt collection

2 Remaining Negative Accounts. 

Account Name : XXXX  ADVANCE FINANCIAL Account Number : XXXX Account Name : Original Creditor Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to XXXX Dealership inquire on car to test drive. However I told dealer multiple times to please do not pull credit, I only want to test drive. Dealer pulled credit anyways. I also told them I would Not be financing through them and not put application through however the financed car anyways. Not sure through what lender. Lender called me as I also told them I wouldn't be financing through them and do not proceed with process. As I pulled my XXXX XXXX report I see inquires for that day from . I didn't authorize any of those lenders to pull my credit. Not sure how they got my information .  XXXX XXXX XXXXXXXX XXXX, MIXXXX(XXXX) XXXXXXXX XXXX XXXXXXXX, MNXXXX(XXXX) XXXXXXXX XXXXXXXX XXXX, NVXXXX(XXXX) XXXXXXXX XXXXXXXX, RIXXXX(XXXX) XXXXXXXXXXXX, TXXXXX(XXXX) XXXX
Product: Money transfer, virtual currency, or money service

I was contacted by someone from XXXX  for a XXXX XXXX XXXX. They give me all this reason and I think its legitimate. I dont agree to send any money until the bank clears the check. They end up clearing it which makes me believe it is real and I XXXX some money to someone they ask me too because I believe this is their money then the bank takes the deposit check out because there was a problem. I already made a claim but they are the ones who cleared the payment first
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the failure of a credit reporting agency to comply with the investigation procedures required under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i.

I previously disputed inaccurate information on my credit report provided by Experian multiple times. The disputed item ( s ) are as follows : 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 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 

As per FCRA 15 U.S.C. 1681i, the credit reporting agency is required to conduct a reasonable investigation within 30 days of receiving notice of the dispute and provide the results of the investigation. However, despite my formal dispute on multiple attempts, the credit reporting agency has failed to : -Conduct the required investigation of the disputed information. 
-Notify me of the results of their investigation within the 30-day time frame, as mandated by the FCRA. 
-Correct or remove the inaccurate information on my credit report. 
-This non-compliance with the FCRA has resulted in an inaccurate representation of my credit history and has potentially harmed my financial standing. 

As a result of the credit reporting agency 's failure to comply with the FCRA, I am seeking your assistance in resolving this matter. I kindly request that the Consumer Financial Protection Bureau : remove these accounts immediately from reporting. 
Thank you for your attention to this matter. I look forward to your prompt action and resolution of this issue.
Product: Debt collection

There is an amount of {$3100.00} on my XXXX credit report from NCO Financial systems/EGS Financial Care. I contacted them about the balance and NCO/EGS has no balance in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and XXXX  and Experian keep putting late payments on my XXXX  XXXX account even after I have provided documention that I was never late I disputed these late payments over a numerous of times they will fix it then turn around and put it back on there
Product: Credit card

Discover Card has inaccurately reported to XXXX, XXXX, and XXXX Credit agencies that I had a late credit card payment XX/XX/2016. This is not accurate. After speaking with Discover card on multiple occasion they informed me on those multiple occasions that I do not have any late payments. When I contacted Discover they have informed me they have sent multiple off-cycle updates to the Credit Reporting Agencies to update the inaccurate information. This has not occurred as the same late payment is still on my credit reports. 

I have disputed the late payments multiple times and nothing on the reports has changed. Either Discover Card is not responding to the disputes or they are providing the same inaccurate information when they receive the disputes. All said the issue is not resolved and its been 3 months since the initial dispute was filed and Discover was contacted about the issue. 

I do not want to have to resort to legal means to get the issue resolved but will if it is not. This is black and white, I do not have a late payment in XX/XX/XXXX yet they are reporting it late. This is a complete violation of the Fair Credit Reporting Act which is a violation of the law. This issue needs to be resolved ASAP.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Both XXXX  and XXXX  continue to include on their credit reports a Chase home equity line of credit ( HELOC ) account that was included in a Chapter XXXX bankruptcy that was filed over 7 years ago. Based on the Chapter XXXX filing date of XX/XX/XXXX, this item should no longer appear on my credit reports and should have been removed 7 years after the Chapter XXXX bankruptcy filing date. I have contacted XXXX, XXXX, and Chase with my dispute. XXXX  was contacted in XX/XX/XXXXand XX/XX/XXXX. XXXX  was contacted in XX/XX/XXXXand XX/XX/XXXX. XXXX  and XXXX  state their investigations involved following up with Chase and Chase told them the account information on the reports was accurate. On XX/XX/XXXX, I wrote a letter to Chase detailing my dispute and attached supporting documentation. As of XX/XX/XXXX, Chase has not responded to my letter. I have never received an explanation from XXXX, XXXX, or Chase as to why an account that was included in a Chapter XXXX bankruptcy filed over 7 years ago continues to be reported on my credit reports. To make matters even worse, the XXXX  and XXXX  credit reports state that the account will stay on the reports until XX/XX/XXXX which is over 12 years after I filed for Chapter XXXX bankruptcy and perhaps coincidentally almost exactly 7 years after my Chapter XXXX   was discharged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have an investigation with CFPB in regard to a public record reporting on my Transunion credit file. I have sent in numerous responses from XXXX stating there is NO bankruptcy associated with my name in their databases. I sent in a letter I obtained from the courts as to who they say furnished this incorrect reporting bankruptcy, so they send their response from another reporting furnisher. The problem I am having is I am providing all the information they need to remove this horrific incorrect public reporting item but each time they come with another issue. I am attaching the latest correspondence from Transunion, where they provide that the courts who " supposedly '' verified this bankruptcy, but yet in the same I am attaching a letter from this court stating they would not or do not interact with the credit bureaus. So, what is it, are they making up furnishers to keep inaccurate, false, horrific information on my file? My next step if this is not resolved is to seek legal advice because this does not appear right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported to XXXX, XXXX, Transunion that they are reporting in accurate inquires on my report. They refuse to remove the inquiries. They have not provided proof that I approved these inquires on my report. There are no attached accounts to these recent inquires,
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has received numerous letters from creditors XXXX XXXX and XXXX XXXX XXXX XXXX stating that the negative information on my credit report was false. In addition to this, I also have email correspondence from the creditors and Experian has still not removed the negative information. I am a XXXX XXXX XXXX XXXX veteran in a wheel chair that will not be able to buy a house as a result of this!!
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  Account # 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX IA XXXX USA
Product: Checking or savings account

Wells Fargo NA has broken myriad laws and and violated many SEC regulations, including covert action to block transfers between XXXX and XXXX XXXX  by executing small pending transactions to force The Federal Reserve to be duty bound to reject a money transfer, while I was under duress, and another account holder - XXXX XXXX - had to be my money manager as a result.
Product: Checking or savings account

First Hawaiian   XXXX  began taking {$10.00} per month from my " Totally Free Checking '' without my knowledge and consent in  XXXX    XXXX   and has done so for the past six months - I had no prior warning or knowledge nor did I give them my consent to charge my account. They called the change an " Inactive Account  Fee  '' but it shows up on-line as a service fee. In either case it was a fee for doing absolutely nothing and serves no purpose except to steal money from the accounts of those who trust the bank is protecting their money. I can leave money in my safe at home for free with no " inactivity fee '' so why would I agree to put it in a bank and be charged. I had no prior knowledge  First Hawaiian    XXXX    would act like  XXXX   XXXX  and charge money or change your account without any knowledge of the account holder. I guess they learned from  XXXX   XXXX  that stealing money from consumers is very profitable. I have asked them to return the money taken from my account without my knowledge or consent and they have refused. These thieves are just like  XXXX   XXXX  - charging fees to accounts called " totally  Free '' without authorization or the knowledge of the customers. I plan to close the account and never do any business with these thieves again. When is the US  Government going to do something about these dishonest banks?
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). As a victim of a data breach, these accounts and inquiries were not authorized by me and must be removed immediately. 
The fraudulent accounts are as follows : XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} The unauthorized inquiries are as follows : 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 card

I believe the account is invalid. JEFFERSON CAPITAL LLC needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.JEFFERSON CAPITAL LLC XXXX