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

XX/XX/2020- My last day of work XX/XX/2020- XXXX XXXX XXXX had already cancelled events and was shutting down the city. 

XX/XX/2020- XXXX automatic payment comes through my account and Im charged an overdraft fee. I call the bank to explain that I do not have money and will be unable to pay for the XXXX bill and asked if they could please refund the overdraft fee. The lady on the phone told me that if I did not have any money in the account they would keep charging fees, so it would be better to call when I get a better outlook of my financial situation. 


XX/XX/2020 I Called Hancock at the number provided on website. That phone number connected me to a branch in XXXX, Louisiana. I spoke with the lady about my issue and she told me she could not help and I would have to contact my housing branch in XXXX, LA and gave me a number to call. 

I call the XXXX Hancock branch I get voicemail. Then I decided to call the XXXX-Hancock location and I was told that I would need to contact my housing branch in XXXX. 

I call Hancock one more time. VoicemailXX/XX/2020- I call the XXXX- Hancock and I explained the entire situation to XXXX and asked if he could please refund me the money bc I didnt have the money in my account and I havent worked in weeks. The account continued to be in the negative and the bank charges totaled to {$400.00}. XXXX informed me that he could only refund 2 overdraft fees bc I should have called my creditors to stop payments. And I informed XXXX that I called my creditors right away and the only reason my bank account was negative for so long is because I couldnt work, Im quarantined and waiting for some money from unemployment. He told me there is nothing he could do about the charges and that I should talk to my creditors about the issue. He would only refund 2 deposits. I got my lawyer on the phone and I had him talk and the lawyer was told the same thing. 

Today I finally received unemployment that I applied for but the bank fees were taken from that deposit leaving me with little money to pay my rent. 

I am so angry and disappointed because all of my other banks were very understanding and helped. At Hancock Whitney I was only allowed To speak to 1 person about my account. I dont know what the deal is but this should be illegal, if it isnt already. I am self-employed and 1099 so it took a little longer for me to get my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIMOF IDENTITY THEFT. I WAS TRYING TO BUY A HOUSE AND MY REALTOR INFORMED ME OF ALL OF THESE FAKE ACCOUNTS. THEY ARE RUINING MY LIFE. I AM GOING BROKE RENTING. I REALLY NEED HELP. PLEASE REMOVE THESE ACCOUNTS FROM MY PROFILE. ILL MAKE SURE TO MONITOR MY CREDIT PROFILE FOR NOW ON.
Product: Credit reporting or other personal consumer reports

I trust this letter finds you well. I am writing to bring to your attention a matter of extreme concern and frustration regarding the persistent issues I have faced in correcting a late open account and the associated late closed and charge-off status on my financial records. 

Despite my repeated attempts to address and rectify these issues over the past several months, the challenges persist, negatively impacting my creditworthiness and causing significant stress. I am seeking your immediate attention and resolution to this matter. 

Here is a summary of the steps I have taken to address these issues : Despite my continued efforts, the late open account has not been corrected, and the associated late closed and charge-off status remains on my records. 

I understand that resolving such matters may take time, but the prolonged nature of this issue has led me to escalate the situation formally. I kindly request a thorough and expedited investigation into the root causes of these problems and the implementation of corrective measures to rectify the late open account and remove the late closed and charge-off status promptly. 

If there are specific documents or information required from my end to facilitate the resolution process, please communicate those requirements at your earliest convenience. I believe in fair and accurate reporting practices, and I trust that Credit Bureaus will take immediate and necessary steps to address and rectify these issues. I am asking for your assistance to correct these late open account and remove tha late closed and charge off in my credit file : XXXX. XXXX XXXX XXXX Balance : {$1200.00} - My record shows that this account was paid as Agreed and I never missed a payment. Please update it immediately. 

XXXX. XXXX XXXX XXXX  XXXX Balance : {$36000.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 

XXXX. XXXX XXXX XXXX XXXX Balance : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 
XXXX. XXXX XXXX XXXX XXXX : {$16000.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 
XXXX. XXXX XXXX XXXX : {$7900.00} - This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so, REMOVE IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

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

-- REAL ESTATE LOAN 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experience is charging me monthly to see my credit score. I check my credit score before I apply for credit and experience shown my credit score as XXXX but when I apply for credit they tell me experience is reporting XXXXthis is cause of me to be denied and receive inquiries in my credit because the are reporting inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting XX/XX/XXXX, out of nowhere my federal student loan started showing as delinquent while we were under a national covid-19 pandemic. Federal student loans are suppose to be in forbearance and protected from wrong reporting and collection activities. I reached out to my student loan servicer XXXX & they informed me that the account payment information will be corrected, they also advised me to reach out the all credit bureaus. It's been months and my credit reports still show delinquent payments from XX/XX/XXXX to XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX and XX/XX/XXXX I filed a dispute with equifax according to the fcra 6 section 609 I haven't received any correspondence from them
Product: Bank account or service

I received a NSF fee for an item even though I had a positive balance on my account after the item was charged. All of the items posted and left me with a positive balance at the end of the business day on XXXX/XXXX/2015, but on XXXX/XXXX/2015 the item was termed and I was charged an NSF fee. My online banking shows no sign that I was ever in the negative- I am attaching a copy of the bank statement. I spoke to XXXX people at the bank today, XXXX of which stated they were supervisors ( XXXX and XXXX ) who all stated that Regions Bank 's back office support is different than what their customers see via online banking. This is extremely disturbing- this ultimately means that the information related to the consumer is incorrect and can result in extra fees unavoidable to the consumer. 

I was advised that pending transactions from XXXX took precedent over all other charges that were posted the same day, even though the pending transactions did not post until XXXX/XXXX/2015. I hope I 've explained my complaint in a way that can be understood- I 'm still perplexed myself at the entire situation. The bank statement will clarify why I feel Regions Bank is acting unlawfully in not presenting all information to their consumers to assist in avoiding extra fees.
Product: Credit card or prepaid card

I had a dispute with one of my gift cards, XXXX refunded me {$500.00}, after 3 months of investigation, incomm emailed me that a replacement could be made for me, and sent a new card to my previous address, but I Ask them to change my billing address, but I have not received a reply, so I filed a complaint with CFPB I hope they can contact me, and then I received a reply from them, asked me to provide proof of my new address, I submitted my The bank card statement, but they are not replying to me again, I called the customer service representative on XX/XX/XXXX to apply to change my address, the customer service representative helped me, and I received new card on XX/XX/XXXX with the ending number XXXX. I got a replacement card but I can't use it, I contacted customer service and they told me they couldn't activate my card, I've been emailing them, calling them to no avail, I didn't receive a valid replacement card, My case has been finalized and I have submitted proof of my address and proof that I will be able to receive a valid replacement card, but instead they send me a card that doesn't work, I hope they can deal with my issue asap, email me as soon as possible my case number is : XXXX, and old address is XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX my original card XXXX my new card number is : XXXX my new address is : XXXX XXXX XXXX XXXX, XXXX NY XXXX XXXX, but the replacement card is not work. 
XXXX help me solve this trouble, I wait so long time and I hope Incomm 's investigation team can have a person in charge contact me through my email and deal with my problem, and I can send my certificate to prove that I did not receive a valid new card
Product: Credit card

Requested the name of customer representative and supervisor who neglected to offer to assist me in submitting a float removal request along with your name, account number, and email address.

I had proof that the payment had cleared, with a before and after balance listed for the hold to be removed. If I was allowed to provide this information, the hold may have been removed within an hour. I was not allowed to provide this information. 

For the next seven days, I was without the funds, 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

Someone stole my identity and open a credit card. I asked the company if someone gave them prove of identification and they said they don't have none. The lady than took her word back and said she doesn't know if anyone gave ID to open account. I asked for a statement for I can file a police report she said she can't. I honestly felt she didn't want to help, she only wanted to collect money. I tried to explain I did not open this account but than I get hung up on after I was placed on hold for XXXX minutes.
Product: Debt collection

I have been contacted by multiple XXXX party collection agencies stating I have outstanding XXXX 's which were bought by their company.They refuse to give me any information or validTation of debt.The collector stated I was sent a letter and that is my validation. 
He demanded I pay him @ that moment.The original creditor was XXXX XXXX XXXX from XXXX/XXXX/12. The collection agency is XXXXCritical Resolution Mediation. I stated I would check with bankand get back to him.The company called me 3 hrs later he wasgiving me until XXXX that night and he was going to call my bank and drain my checking and savings. He kept reminding mewe were on a recorded line. I advised him to move ahead. The collector preceeded to tell me I should not be taking out loans, Iam not going to pay back.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX formally disputing inaccurate information on my credit report in accordance with 15 U.S.C. 1681i. I did not authorize the reporting or release of my personal information to the companys listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name.

Furthermore there are unauthorized inquiries on my credit report that I did not initiate. Which constitutes a case of identity theft. Pursuant to 18 U.S.C. 8. I do not owe any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report.

Please address this matter promptly and confirm the removal of the disputed entries.
Product: Student loan

I do n't have a job to repay so I ca n't repay due to no funds.
Product: Credit reporting or other personal consumer reports

As a result of a XXXX XXXX  my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information : Also Known As : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Former : XXXX XXXX XXXX XXXX Previous Address : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX Collection/Charge Off : XXXX XXXX XXXX XX/XX/XXXX {$1700.00} Late Payment XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$510.00}
Product: Credit card

My complaint is with Bank Of America. My statement dated XXXX stated I owed a total balance of {$48.00}, which was due by XXXX/XXXX/XX/XX/XXXX I paid {$48.00} on XXXX/XXXXXX/XX/XXXX. On my next statement, which Bank Of America did not send me, they charged me a {$1.00} minimum interest charge even though my ending balance was {$0.00}. So when they actually did send me my statement dated XXXX, they charged my account another minimum interest charge of {$1.00}, a 100 % interest rate. Since I made a {$130.00} purchase on XXXX/XXXXXXXX, Bank Of America is saying that I owe {$130.00} + XXXX + XXXX + XXXX = {$130.00}! I called their customer service department to ask for an explanation and get the fees waived. They said interest is charged in arrears. I argued that I paid the entire balance off by the due date and that interest should not be charged. Also, they charged 100 % interest on an initial " hidden '' interest charge. I asked for the fees to be waived. They said they could not waive any charges because there is a past due amount. I argued that there is not any past due amount and that the only reason their erroneous accounting says there is is because they hide {$1.00} minimum interest fees. Also, they said that even if I paid the total amount due today that I would still owe another {$1.00} interest payment next month. I can not even close this account because of a balance owed and Bank Of America will not allow me to have a {$0.00} balance for 60 days!
Product: Credit reporting or other personal consumer reports

Date of XXXX Delete!! 


Unathorized inquiry XXXX Date of XXXX Delete!! 


Unathorized inquiry. 
XXXX XXXX XXXX  XXXX XXXX XXXX Delete!! 


Unathorized inquiry XXXX XXXX  Date of XXXX Delete!! 


Unathorized inquiry XXXX help finan Date XXXX XXXX Delete!! 


Unathorized inquiry XXXX XXXX XXXX Date of XXXX Delete!! 


Unathorized inquiry XXXX XXXX  Date of XXXX Delete!! 


Unathorized inquiry XXXX XXXX Date of XXXX Delete!! 


Unathorized inquiry XXXX XXXX XXXX Date of XXXX Delete!! 


Unathorized inquiry XXXX Date of XXXX Delete!! 




i noticed this issue in XXXX correct information needs to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX : XX/XX/XXXX EMAIL : XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX XXXX : Request for Accounts Blocking and Deletion Due to Data Breach Dear TransUnion Team XXXX XXXX XXXX XXXX XXXX this CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened, personal loans, and hard inquiries. 
XXXX. XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX {$1300.00}. 
XXXX. XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX {$2700.00}. 
XXXX. XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX {$5300.00}. 
XXXX. XXXX XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX XXXX {$7100.00}. 
This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. **15 USC 1681c-2 ( a ) ** : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately.

2. **15 USC 1681i** : Under this section, I am entitled to dispute and request the deletion of any inaccurate information on my credit report.

These accounts have resulted in several fraudulent hard inquiries and fraudulent credit cards appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the fraudulent items. I do not recognize the accounts, credit card accounts or hard inquiries as reported. The accounts, credit card accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, by me, or initiated by me. All the accounts, credit card, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all the consumer credit accounts, and hard inquiries are the result of identity theft, fraud, and Data Breach.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnioncredit reporting agency block all the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email XXXX Sincerely, XXXX XXXX XXXX : Proof of Identity Supporting Documentation
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and false accusations. 
It is my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

I AM NOW enlisting my consumer rights to compel you to ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. 
Failure to take appropriate actions to remedy this matter will lead to my civil right to file a lawsuit seeking monetary resolution via a court in my jurisdiction. 

Drawing from my research and complete comprehension You nor any entity is permitted to keep any noncompliant information, particularly upon it being challenging any or all of the excerpts, dated assignments, ledger balances, audited details, documents of identification, each of the 426-character format fielded P6 statements, pay status codes, alpha-/ numeric-/ and or alphanumeric source codes. Further certificate firmly every single one even each any and or all of the minimal five ( 5 ) portioned personal identifiers, and even the unabbreviated 386 pieces of confirmation to collect. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : XXXX XXXX Account Number : XXXX As you are aware, federal and my state laws dictate that all claims be physically proven to its 100 % truthfulness, 100 % correctness, 100 % completeness, 100 % timeliness and 100 % in compliance otherwise every single item even each or all of the relatedregulations, mentioned or that if any or each item being reported is challenged for its legal reportability.I request verifiable physical evidence to prove the existence and permissible usage of the account. If this evidence is not provided, I expect the account to be removed from the report. You have my authorization to send me physical documentation of your actions and an updated credit report.