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

On XX/XX/XXXX, a transaction in the amount of {$130.00} posted to my account. At the time of posting, I had sufficient funds in my account to cover the transaction and once paid, I was left with a balance of {$7.00}. On XX/XX/XXXX, I noticed that I had 3 transactions ( {$16.00}, {$9.00}, {$27.00} ) in processing status and needed to add additional funds to my account to cover. I contacted BOA via chat and the representative confirmed that as long as I make a cash deposit today, the checks would clear. So I made a instant deposit via XXXX for {$58.00} to cover the charges, which left a balance of {$10.00}. Later that evening on XX/XX/XXXX, I checked my account and saw that I had a pending overdraft fee. I assumed it would automatically be reversed once everything posted, but it was not. On XX/XX/XXXX, I checked my account and saw that my account incurred an overdraft fee for {$35.00} with a posting date of XX/XX/XXXX. Once the overdraft fee was applied, it left me in the hole at- {$24.00}. 

What's concerning to me is that the overdraft fee was for the XX/XX/XXXX transaction of {$130.00}. However, as shared earlier there were sufficient funds as of the date of this transaction to cover the full amount. So, I contacted BOA via chat to request that this fee be removed. However, the representative refused to remove the fee. The rep shared that the 3 transactions that posted on XX/XX/XXXX, starting processing on XX/XX/XXXX, decreasing the available balance. However, those transactions were showing as processing in my account on XX/XX/XXXX, not XX/XX/XXXX. The rep directed me to a link only accessible from the overdraft transaction, called " What triggered this fee? '' The link directed me to another activity log that showed transactions for XX/XX/XXXX. The transaction that incurred the fee had cleared, while the other 3 were in processing status. However, the ending balance still reflected {$7.00}, since the 3 transactions had not posted. Based upon this review, the 3 transactions in process would have posted first, followed by the {$130.00} transaction, causing the overdraft fee. However, that wasn't how it worked. The {$130.00} actually posted on XX/XX/XXXX, followed by the 3 transactions posting on XX/XX/XXXX to my account. Either way, both logs reflect a remaining balance of {$7.00} after the {$130.00} transaction posted, so an overdraft fee should not have been charged. 

Attached are snapshots and printouts to support my complaint. The documents have been redacted to remove personal info and transactions unrelated to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit report and noticed the following unauthorized inquiries can you remove them from my credit report immediately XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

My info was exposed in XXXX data breach and Im also a victim of identity theft On XX/XX/XXXX I looked a my credit report and noticed some fraudulent inquires that I did not run. All of these inquiries below has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b Please. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

As of XX/XX/2011 I have been paying Midland Funding L.L.C. Through the law firm of XXXX, XXXX XXXX XXXX XXXX. {$50.00} a month for a debt that is not mine. I hired the firm of XXXX XXXX to represent me in this case. I was told after the initial hearing that it would cost more to fight this then it would be to pay the debt. I am still paying this debt even though I have never worked with Midland Funding. It has come to my attention that The Consumer Financial Protection Agency has charged Midland Funding with violations of the Fair Debt Collection Practices Act and am wondering if this is a legitimate debt that I need to continue paying.
Product: Credit reporting or other personal consumer reports

I recently viewed a copy of a credit report, and I noticed there are unauthorized credit inquiries made by the companies listed below. To my knowledge, I have not signed any documents authorizing the companies in question to view my credit report. The listed Inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Report Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and remove these fraudulent inquiries from my credit report. 

EQUIFAX MORTGAGE SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have disputed both of the Columbia debt recovery accounts opened by XXXX XXXX XXXX  and no one is looking into my disputes fully. I was a minor of XXXX  years of age when lease was signed and my father was the renter this debt should not be mine. XXXX  has done nothing to request the proof this collection agency has to back up their statement of being valid debt. I need someone to thoroughly look over my documents I certified mailed in early XX/XX/2020 and do a proper investigation. If this is not done in a timely manor I will be getting a lawyer.
Product: Credit card or prepaid card

On XX/XX/2020, I went to XXXX XXXX in XXXX XXXX, CA. I was asked if I wanted to apply for a XXXX XXXX Credit Card. The salesperson told me they have a store credit card that would allow me to use the credit card anywhere. I asked 5 times if I applied for their card and if I got approved I would be able to use the card at any store other than XXXX  XXXX. The lady checked with her colleague and they both responded yes. I was approved for the card. I was given a temporary receipt showing I was approved and expect the card in 7 to 10 days. I said thank you. From XX/XX/XXXX to XX/XX/XXXX, I have not received the new card. Let customer service tell it they would put in a request to send out another card. Then I was told because of the billing cycle, they couldn't send me out a card. I would have to call back in 30 days or mail confidential info to verify my identity. I called back again and was told the account was shut out by their rep. I was told the account was reopened and I will get a new card. I called back again and was told the system wouldn't allow them to send out a card to me. I was asked to verify my address. I did. They told me on their end they didn't have my apt number and that was the problem. It's funny how they added the apt number without me being required to send in documentation proving my identity but couldn't mail my card out. I asked to speak to a supervisor and they put a senior account rep on the phone. He did a absolutely nothing. He just wanted to get me off of the phone. He said mail the confidential info in or wait almost 6 months to call in for another card. He informed me that the card was just a regular store charge account and not a visa as promised. 
I was not able to reach an agreement with Comenity.
Product: Credit reporting, credit repair services, 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.. 

Incorrect Address listed here XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX My only address is XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the rep 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 person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

FTC My family business was using TSYS to process credit card transactions but switched to a different provider about two years ago. Unbeknownst to us, TSYS continued to withdraw fees from our bank account every month. We called them on XX/XX/2022 after receiving emails about being out of compliance. This was strange to us since we were not aware at that point that we still had an open account. On that phone call, we thought we had closed our account and therefore would stop being charged. However, upon reviewing our XXXX bank statement, we discovered they had charged {$750.00} that month and {$410.00} in XXXX, after we officially closed the account. When we called TSYS again today, they revealed that there were two other accounts under our business name and that the first one still wasnt closed either. We were not aware at any time that there were multiple accounts nor that we could be charged such outrageous fees without ever using their service or even being aware of the accounts existence. TSYS refused to issue any refund or even close the additional two accounts retroactively, making a number of excuses as to why they couldnt do so. It should have been obvious when we called the first time that any accounts under our name should be closed, especially since there had been no activity for many months and we were adamant about not being charged any more. At the very least their representative should have identified any other open accounts under our business name so we could address them all at the same time. Now they want to charge us again in a few days, claiming the charges are for XXXX and since we didnt cancel before XXXX we owe them fees for noncompliance. This is nothing but a predatory shakedown by a big bank that has cost us {$16000.00} over two years, for nothing! They have provided no service. They simply claim they can grab money from our bank account for being out of compliance on accounts we either thought were already closed or didnt know existed. How many other small businesses are they ripping off? This warrants a full investigation.
Product: Debt collection

I.C Systems I have sent more than one letter to this company asking them to 1- Stop contacting me 2- to remove their reporting off my credit report as I have asked to be Opt-out Of their reporting. in15 US Code 6802. Obligations with respect to disclosures of personal information I have also stated that they have obtained my personal information and is reporting it to my credit file which I have Not given them permission to do so. This Account was REMOVED from my credit file 3-4years ago and now it has been placed back on my credit file Wrongfully. I Have also put in more than one dispute with this company. This company has a collection on my account that is not my own debt. I have asked this company to provide proof of such debt Not an Invoice but a copy of contract with both parties wet ink signatures stating I ( XXXX XXXX ) agreed to the amount in question and such documents can not be provided. I wish this debt to be removed immediately, I am also requesting to be compensated for this inconvenience this has caused me and affected my credit file. The fact that my written letters were being ignored, and that I have asked to be opt-out, also this company was removed for wrongful reporting in the past but decided to report again. I also want this company to NEVER report every again to my credit profile, I want to be Opt-Out For life from them reporting to Any credit profile of mine.
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 : XXXXXXXX XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have owed XXXX XXXX XXXX for over 4 years a bill that was just recently bought by a different collection agency, Credence Resource Management XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. They are now reporting this as a brand new debt and not reporting the age of the debt. They did the same thing last month with a XXXX XXXX  collection account that we ended up paying XXXX XXXX. This is a completely unethical practice. They should be reporting the debt from when it occurred, not as brand new debt. 

The effect this has had on my credit has been huge. For the second time in two months our house closing has been denied just because of this company. This company has brought down my credit score over 50 points each month when the mortgage loan company goes to check to begin closing processes. We have now lost the house. 

When we called regarding the XXXX XXXX  bill, they at no time indicated they had another account for XXXX XXXX XXXX. They are rude, can't speak in a manner that you can understand, and are not helpful at all. They still haven't reported that XXXX XXXX has been paid in full even though they confirmed payment with XXXX XXXX while I was on the phone. 

Reading the reviews and on-line information, they should be forced to correct their reprehensible collection and reporting practices. We want this company to be truthful and report correctly. They are negatively affecting peoples lives.
Product: Credit reporting

I owe for a past due utility bill from XXXX. I received a notice XXXX XXXX that I owe {$90.00}. I responded back XXXX XXXX disputing amount, I needed proof. ( I currently have the same company providing my electric service ) XXXX XXXX I received proof of the outstanding balance. I called the utility company several times over a 2-3 week period, finally received confirmation that the balance exists. XXXX XXXX I called and spoke to XXXX XXXX because his company has already added this as a collection to my credit report. I want to pay the past due amount in full and want the negative collection removed from my credit report like other collection companies do according to the FairCredit Reporting Act. I did not have enough time to validate the debt owed.
Product: Debt collection

First knowledge of debt was a hold on my checking account, via a email from chase on the XXXX of XXXX. 
I called Coachella valley collection services in XXXX XXXX ca. The same day to request validation of debt that was 11 plus years old, bank email was my first received notice, and the hold of XXXX $ could not pay bills. At the time verbal request for verification of debt as well as disputing any amounts claimed. I followed up with two mailings certified and return receipt of the same, also requesting cease and desist any collection attempts due to disputing all. I received a renewal of a judgment only with a amount of over 82,000 . They took the XXXX $ on the XXXX of XXXX all after they were served with my dispute and verification notice. I then both written and verbal requested all debits and credits accounting on this dept ever. Telephonic to their attorney XXXX XXXX, and couldn't get it. I haven't even received the original judgment only the renewal. They haven't even received a receipt for the money they took out of my chase account. XXXX . I think thats grand larceny. The renewal judgment is for XXXX $ the letter it came with states XXXX $ with interest of XXXX $ on a claimed debt XXXX $ from a hoa. Judgement date of XX/XX/XXXX. I received no notice or the judgment still.
Product: Credit reporting or other personal consumer reports

Subject : URGENT Dispute of Unauthorized Hard Inquiries Dear Experian Dispute Department, I am writing to formally dispute several unauthorized hard inquiries on my Experian credit report. Upon reviewing my credit file, I identified multiple inquiries that I did not authorize, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) 604. These inquiries have negatively affected my credit standing and were conducted without my explicit consent. 

The unauthorized inquiries in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Legal Basis for Removal : The FCRA mandates that credit reporting agencies maintain only accurate and verifiable information. Since I did not initiate or authorize these inquiries, I demand their immediate removal from my credit report. Failure to remove unauthorized inquiries violates FCRA 609 ( right to full disclosure ) and FCRA 611 ( duty to reinvestigate disputed information ).

Action Requested : Immediately delete the unauthorized inquiries listed above from my Experian credit report. 
Provide documentation of the permissible purpose for each of these inquiries. If no such documentation exists, these inquiries must be removed immediately per FCRA compliance. 
Provide me with a corrected copy of my credit report once these inquiries have been removed. 
Failure to Comply : If Experian does not remove these inquiries within 30 days, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state Attorney General for further investigation. I will also consider pursuing legal action for violations of my consumer rights under the FCRA. 

I expect a written confirmation of the removal of these inquiries within the legally mandated timeframe. Please send all correspondence to my mailing address above. 

Sincerely, XXXX XXXX Enclosures :
Product: Debt collection

As per the guidance from the Consumer Financial Protection Bureau the documents needed are a picture ID, a bill, and a letter from the advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only two are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Mortgage

I contacted my lender before my husband had XXXX that was predicted to leave him out of work for about 6 months. They said they could do a loan modification. They told me to stop paying my payment while I was working on modification or they would n't think I needed a modification if I could still pay the payment. Four months later, nothing is done so I contacted what I thought was a legitimate site that could help me work with my lender. I ended up getting scammed by the other company that and loosing {$5000.00} and barely stopped the foreclosure of my house one day before it was scheduled to be sold. Now my lender has raised my payment to include all delinquent payments and fees, as well as trashed my credit when I only did what they told me to do in the first place!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was added to a Capital One Account as an Authorized User without my consent and do not have the credit card information to get this item updated by removal due to inaccuracy. Even after calling Capital One several times, they could not help. They told be to dispute it with the credit bureaus. Item has been disputed since XX/XX/XXXX to no avail. Also, please note that I currently have XXXX credit line with Capital One with {$0.00} balance with no late ( s ) and excellent payment history and still could not get them to resolve this issue. The account was opened XX/XX/XXXX last activity was XX/XX/XXXX, I am not sure when I was added as an authorized user, but the information has been reported to all three bureaus : XXXX, XXXX, and XXXX  and it is inaccurate. I do not have the credit card number.