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

I have Opted Out of overdraft protection with US Bank. Despite this, a debit card transaction of {$29.00} was allowed to go through when my account balance was {$8.00} and the transaction should have been declined. It was not an automatic or recurring payment, and was not an ACH payment. 

I was then assessed a {$36.00} overdraft fee for that transaction. In addition to this, two overdraft fees, each one {$36.00}, were assessed on the two preceding transactions. The online overview of my checking account shows that I had sufficient funds to cover those two transactions, which left with the {$8.00} balance.

In total, I was charged three overdraft fees for a total of {$100.00}. I did not authorize the bank to approve transactions when I had insufficient funds. Because of this incident, I now realize that there are probably other overdraft instances similar to this, as my account has been opted out of overdraft protection for at least one year. I will now go through my transaction history to see how many of these fees I have paid not realizing they should have never been assessed in the first place.
Product: Debt collection

This collection agency keeps reporting to the credit bureau to negatively impact my credit score to drive it down over the last week this company has reported four different times.
Product: Credit reporting or other personal consumer reports

I cant pull my report and lenders cant pull my report. Equifax asked for my Drivers license, social security card and my passport. I provided all 3 and the problem has not been resolved. They say its an internal issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$9100.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

On XX/XX/2021 I tried to cash a check at the B B & T Bank ( now Truist Bank ) in XXXX, GA and was told by the teller that that check number had already been cashed ( fraudulently ) for {$4600.00} and while I was with the bank manager checking on the fraudulent check cashed against my account another check for approximately {$4800.00} was being cashed from my account fraudulently at that very moment.

The bank manager, XXXX, advised me to close the old account and open a new account which I proceeded to do at that time with him. He said the bank had their investigators that would take care of the problem. They did finally replace my {$4600.00} after about 60 days, but they still have not replaced my other monies and we are almost 90 days out from the fraudulent claim being registered with Truist. They tell me every time I call about the investigation that they are still working on it. I left a message today for him to call me and update me and he never called nor did XXXX XXXX who the message was also sent to. 

They are jeopardizing my financial stability. I want to solve this quickly without problems but they are leaving me in a situation where I feel that I have to register a complaint with the Secretary Of State and with the advice of my attorney follow whatever directives they guide me to act upon.
Product: Checking or savings account

my check ( XXXX XXXX ) was intercepted with a payee change to an unknown person. Bank of America called me to ask if it was valid because they questioned the check, but it was still cashed after i told them it was not correct. I do not have a BOA account at this time now they will not refund my money after 90 days. the amount is {$6300.00}
Product: Checking or savings account

On XX/XX/year> I received a text message from Chase indicating there were fraud charges being attempted via my debit card for my checking account. At XXXX I immediately called the fraud line for chase and went over the recent charges on my account XXXX charges were not made by me. XXXX charge has never shown on my account which must have been totally blocked by chase and XXXX were pending. These charges were to XXXX XXXX for {$220.00} and XXXX XXXX for {$240.00}. I was told both of these companies are in XXXX and I am in XXXX I was told it appeared these charges were made via XXXX XXXX and asked if I had my phone. I told the operator I was on my phone and was advised I needed to then change all of my login information to chase. I went through my contact information with the representative and advised that I have only XXXX email addresses : XXXX and XXXX and do not have access to any other email accounts. They told me there was another one associated on my account an XXXX which I do not have access to any longer. We closed my debit cards and unassociated all accounts with my card I was on the phone for an hour. I was told these charges would not post. XXXX  days later these charges posted but I was given a temp credit. Today XX/XX/XXXX, I was told that these charges are my responsibility based on their investigation and I can up load new information if I feel this is a wrong decision however they would not tell me what was used to determine I made these charges. Chase is the XXXX who notified me of the fraud but let the charges go through. I contacted them right away and did everything they told me to do to follow through under their fraud protection now they are telling me the companies sent them proof I made the charges but I have nothing from these companies. Chase has given me no direction on what to do to appeal this but to " upload '' additional documentation. I have nothing to upload, I have no account or merchandise from these companies.
Product: Credit reporting or other personal consumer reports

I realized that my credit was stolen when I got a call from XXXX XXXX XXXX requesting that I call them back regarding a credit card application I applied for due to me having an alert on my credit account asking that I be contacted prior to anyone opening credit in my name due to fraudulent JP Morgan Chase credit card being opened in XXXX XXXX XXXX. I then looked at my credit report and noticed a few credit checks and called the banks on XX/XX/XXXX to let them know they were fraudulent and to not process those credit applications and then froze my credit. I was able to reach Chase, XXXX XXXX, XXXX XXXX and XXXX XXXX  before they approved the applications and they were all marked fraudulent. These are all still marked as hard inquiries on my credit report even though they are marked as fraudulent. I have been unsuccessful removing them from the creditors via dispute and contacting the credit card companies directly. The hard inquiries on my report from JP Morgan Chase are XX/XX/XXXX and XX/XX/XXXX ( from when the unauthorized credit card was opened ), XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX must be removed from my credit report. I was denied credit due to this fraudulent account on my experian, XXXX, and XXXX credit reports.
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 


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 been in dispute with 3 energy companies regarding their bad faith practices. I was constantly in dispute requesting more information. They decided to just send it to a collection agency in lieu of providing me with information I requested. These accounts never should have been sent to collections in the first place. All three companies have agreed to cancel the collection and return it to dispute with them. All three collections should already be removed from my bureau. I went online to check with Experian. All three collections are still on my bureau AND they have decreased my score TODAY XX/XX/XXXX by 5 points WHEN NOTHING HAD CHANGED. The only thing that has happened is I filed a complaint with your company about not being able to get in touch with them AND I emailed the CEO XXXX XXXX asking for his help. THEY DECREASED MY SCORE BY 5 points in retaliation! There is no other explanation!
Product: Debt collection

Company reported debt owed and references Attorney on credit report. Did not notify me. I do not owe XXXX XXXX and closed any money on this account. There was no debt validation
Product: Credit reporting or other personal consumer reports

Subject : Request to Update Personal Information ASAP Dear Sir/Madam, I am writing to request an update to my personal information in your records. After reviewing my credit report, I found several inaccuracies that need correction. I kindly ask you to update the following information : Name : Current Legal Name : XXXX XXXX XXXX Also Known As ( if applicable ) : None Former Name ( XXXX ) : XXXX XXXX XXXX XXXX of Birth : Correct Date of Birth : XX/XX/year> Current Address ( es ) : Primary Address : XXXX XXXX XXXX, XXXX NY XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : Current Employer : XXXX XXXX XXXX have enclosed the necessary documents to verify the correct information, including : A copy of my driver 's license ( or passport ) showing my legal name. 
A recent utility bill or bank statement showing my current address. 
A copy of my Social Security card. 

Thank you for your attention to this matter. Should you need further information, please contact me at ( XXXX ) XXXX or XXXX. 

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

My problem is with Toyota Financial Services : 1. Toyota Financial Services- In XXXX I lost my job due to covid-19. I called Toyota customer service number XXXX stated on my bill for a month, no answer. I went on their website : www.toyotafinancial.com and wrote that I lost my job and wanted to find out what can I do to defer or forebearance the payment. I HAD NEVER MISSED A PAYMENT. I received no reply. The website had an area that stated Covid-19 update however did not have forms or anything consumers can fill out for that option. When you go to fill out the form there was nothing you can fill out. They deliberately just posted the information with nothing consumers can fill out, only a sign stating what to fill out. No Forms whatsoever! On Monday XX/XX/2020, I went on my XXXX   XXXX account and noticed Toyota Financial reported that I did not pay my payment for XXXX. I made every effort to contact Toyota Financial however they ensured that they made themselves unavailable to respond to consumers in need of their assistance. This delinquent reporting to XXXX  has drastically brought down my credit score. When I called XXXX  to dispute this erroneous reporting, the phone hung up not working. I also tried to dispute it on line with my account since I have a freeze on my account it reroute me to purchase XXXX  's credit monitoring service which I can not afford at this time. If you didn't purchase their credit monitoring service, you can not dispute erroneous information on your account. When I went back to Toyota Financial service website now they have a form for consumers to fill out for a 30 or 60 days deference yet still you can not communicate with anyone to explain what happened. I filled it out however I did my best to notify Toyota Financial prior to when my car payment was due numerous times. My other creditors have worked with me except for Toyota Financial. I need the delinquent posting off of my XXXX  account since Toyota Financial deliberately caused their consumers to be delinquent by not replying to phone calls, emails, and provided erroneous information on their website to give the appearance they are helping consumers. I will never purchase a Toyota as long as I live and will tell my family, friends, colleagues, and acquaintances of what they did in my time of need.
Product: Credit reporting, credit repair services, or other personal consumer reports

My previous account with XXXX XXXX XXXX was never delinquent and Satisfactorily Paid In Full. But Experian sees it fit to Status report it otherwise, impeding my ability to obtain any measurable credit and every attempts I've made to secure credit, including a mortgage for home purchase lately has been marred by their incorrect/inappropriate remarks which has caused my credit rating to suffer quite significantly over the past two weeks. 

Experian must remove their bogus, negative remarks and adjust as Satisfactorily Paid In Full with immediate effect. 

Sincerely! 

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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6900.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$68.00}, XXXX XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear XXXX XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 Ii sent a letter regarding inaccurate and unknown items on my credit report, to this day over 60 days ago, I have not received a response yet. I feel like I am being taken advantage of and my disputes are being ignored. Section 611 ( a ) It is blatantly state that failure to investigate these items within 30 days, gives reason to immediately remove those items from my credit report. It has been over 60 days so the items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted in the Equifax data breach and may have gotten into the wrong hands.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX - XXXX, and XXXX XXXXXXXX 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 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 card or prepaid card

On XX/XX/XXXX at XXXX I received an email offer that was targeted towards me to earn XXXX XXXX XXXX miles after making XXXX in purchases within three months. I also received this email on XX/XX/XXXX. On XX/XX/XXXX Citi cards employee XXXX informed me that I would be getting the bonus miles next statement when the purchases are completed. After speaking with Citicards executive office on XX/XX/2019I was informed that they would not be honoring the XXXX miles. I also Per the terms and conditions on the email it says nothing regarding the two year language if I previously had the card I was not eligible. Before apply I carefully reviewed the w the terms on the email. It says nothing on the email. I was informed that it was on page 4. 
This should not have happened. A false claim is the characteristic of a goods or service is different than what is advertised. The email sent is misrepresented because its advertising that I am eligible for the bonus. Under the Consumer Protection Act 2007, advertising is seen as misleading if it involves false, misleading or deceptive information that is likely to cause the average consumer to act in a way they might otherwise not. Advertising may also be considered misleading if important information that the average consumer needs to make an informed decision is left out. Citicards left out the information about the two-year language when the email was sent. 

I received an offer from delta from XXXX XXXX, which limits one bonus per lifetime. However I got a targeted bonus and called them to double check I was eligible. XXXX XXXX application system tells me when I am submitting the application whether I qualify or not. It then asks me if I want to proceed. Citi cards should have done this. 

I have spent a lot of time on this issue and I am very disappointed with citicards. I also had a hard inquiry in to my credit report. They offered me XXXX miles, which is only 15 % of what they were advertising. That is just not enough points. So thats great how do I get my XXXX miles? This error is on citicards not me. If they include the two-year language on their email and do a better job of screening their emails then this would not have happened. I would also suggest not sending the same email to your clients when they are not eligible for it. 

I also want to say that I am also disappointed with Citicards over how they are handling a late fee of {$25.00} dollars and finance charges of XXXX dollars on XX/XX/XXXX. Their was an issue with my payment processing so it was late. They don't want to remove it because its valid. So the employees told me there is nothing they can do about it. So citicards expects their customers to follow the rules. Yet its okay for Citicards to send invalid offers by email. You can not have it both ways. You need to also hold yourselves accountable for what you are doing wrong. Sending invalid offers is not ethical
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX..
Product: Credit reporting or other personal consumer reports

Hello, I DIsputed fraudulent inquiries with credit bureaus XXXX And Equifax and attached all required forms for dispute, i received letter at home saying that they dont believe that dispute opened by me, i called multiple times and verified that the dispute were opened by me and they didnt remove it. Please request them to remove this fraudulent inquiries