23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/year> I made my first attempt to collect my form 1099C ( Certification of indebtedness ) and several managers retrieved my call only to humiliate me about requesting my 1099C form. The first manager told me I know what youre doing, you trying not to pay us. But you the one got your car repossessed because you couldnt afford to make your payments. So you need to pay us, we dont send out XXXX forms, we only send out letters. When I told her the call was being recorded she said I never gave you permission to record me. And I stated I never gave you permission to sell a car without my consent. She said well you aint getting it pay your debt and hung up in my face. I called back only to get another manager to retrieve the call to tell me I need to seek mental help if I think it goes like that I owe them this debt and I need to pay them. I again stated. 15 USC 6801-6805, 5 USC 552 ( A ), 16CFR 444.1, 15 USC 1681, 15 USC1692 ( E ) ( 7 ), CFR 313.7, CFR 313.7 ( F ). Per consumer laws A charge off is considered a certificate of indebtedness which is income and income can not be reported on ones credit report. It is illegal to report transactions history. Therefore this account needs to be updated and deleted. I would like to opt out of this Data furnishing reporting on my credit report. I would like to sue this company for the humiliation, discrimination, verbal abuse about ones mental health and I am a mental health patient so this statement alone has caused me a great deal of pain. Please see supported uploads for detail. Also, how could I owe you for an account that is charged off never late you asked for a tax write off with the IRS as a loss for debt forgiveness therefore I am entitled to my 1099C because according to your reporting the account was charged off and I was never late.
Product: Credit reporting or other personal consumer reports

I have had the following credit hits to my credit report that I did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Express Recovery is reporting an erroneous debt on my credit file. I have been disputing an account with Express Recovery for a hospital visit with the University of XXXX. When I noticed this debt, I called and settled it immediately. I was told that this account would be removed from credit but they have not removed it. It's been months of me trying to get them to remove a PAID collection! Not only has this been settled, I never signed a HIPPA patient release form allowing Express Recovery to report this debt on credit. This is a HIPPA violation and needs to be removed.
Product: Bank account or service

BBT ( Banking ) continues to charge overdraft fees. For example, they will have pending amounts that they already take the amount off of your available balance. Then when a charge goes through that is not pending, they charge you an overdraft fee. When you go to the ATM to put money in to cover the negative balance, they hold the amount, then, the next day, when the pending amounts go through, they charge you another fee before depositing the money you deposited the night before. 
They have changed the time you are allowed to deposit from XXXX to XXXX, and will make NONE of the money you deposit available to you until the next day. 
The fees are out of control. They began charging a fee is you download your statement to XXXX. We were unaware of this, so they charged a fee for THAT fee. 
Banks are OUT OF CONTROL!!!! I have even had a hold on CASH deposits.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion was sent a certified letter in reference to unauthorized inquiries on my credit report. I requested they send me documentation of my wet signature as I did not make the inquiries. Instead of completing and investigation I was sent a letter giving me an explanation of inquiries on my credit report ( letter dated XX/XX/2021 and I received it XX/XX/2021 ). My request was not to receive an explanation of what inquiries were.
Product: Credit reporting or other personal consumer reports

experian conducted XXXX and Errors on my Credit Report.
Product: Credit reporting or other personal consumer reports

Consumer was notified that in XX/XX/XXXX, a home equity line of credit was opened in her name under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Consumer was notified in XX/XX/XXXX, a mortgage loan was opened in her name under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for an amount of $ XXXX $ XXXX. 

Consumer was notified that a home equity line of credit was opened in her name around XX/XX/XXXX with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AND TD BANK. 

Consumer was notified in XX/XX/XXXX, a mortgage loan was opened in her name under XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for an amount of $ XXXX $ XXXX. 

Consumer was notified a mortgage loan was opened in XX/XX/XXXX in her name under XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX was notified a mortgage loan ( unknown company ) was opened in or around XX/XX/XXXX with monthly payments of $ XXXX {$1300.00}. 

XXXX was notified a mortgage loan ( unknown company ) was opened in her name around XX/XX/XXXX with a payment of $ XXXX {$2300.00}. 

Consumer was notified of retail credit cards in her name for XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

Consumer was notified that a mortgage loan was opened in her name in XX/XX/XXXX belonging to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX was notified an auto loan/lease was opened in her name in XX/XX/XXXX with monthly payments around $ XXXX $ XXXX. 

Numerous unknown addresses have also been reported ( photo attached ). 

NO AUTO/MORTGAGE ACCOUNTS NOR CREDIT ACCOUNTS BELONG TO CONSUMER XXXX XXXX XXXX AND ARE IDENTITY THEFT/FRAUD NEEDING IMMEDIATE INVESTIGATION. 

CONSUMER CONTINUES TO GET NOTIFICATIONS ABOUT DARK WEB DATA BREACHES AND CAN NOT LOCK HER SOCIAL SECURITY DUE TO THIS MASSIVE IDENTITY THEFT UTILIZING CONSUMER 'S NAME.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding an erroneous collection account reported on my credit report. I have reviewed my credit report and I discovered collection account under my name that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act A, XXXX XXXX XXXX not provided XXXX {$1400.00} 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 In accordance with the Fair Credit Reporting act A, XXXX XXXX XXXX XXXX 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 In accordance with the Fair Credit Reporting act A, 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 In accordance with the Fair Credit Reporting act XXXX 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 In accordance with the Fair Credit Reporting act XXXX 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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

Experian has failed to fulfill its legal obligation under the Fair credit reporting act ( FCRA ) To conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

We used XXXX  from the same account we always use to pay bills. Then an email goes to my husband that says Citizens is pulling the money from a different account that we did NOT authorize. That will likely cause an overdraft and, knowing Citizens, they will have another excuse to charge ridiculous fees. I called the XXXX #, wasting my time and energy, to be told that the email is wrong. I DON'T TRUST IT. I am getting out ahead of Citizens screwing the consumer yet again. If I had time I would move my accounts. That is coming. But for now, we better not get hit with fees. 

here is the email : Payment to XXXX XXXX XXXX XXXX sent as a check Hello, Payments to XXXX XXXX XXXX XXXX are typically sent electronically, but this payment was sent as a check. Your check may be cashed, and the money withdrawn from your account, before or after the Deliver By Date. Please make sure you have enough money in your account to cover the payment. 

Recipient : XXXX  XXXX XXXX XXXX Account : XXXX Amount : {$2800.00} Deliver By Date : XX/XX/2022 Thank you for using Pay Bills. 

WRONG ACCOUNT!!!!!!!!!!!!!!!!!!!!!!
Product: Student loan

Knowing student loan payments were set to resume, I diligently logged on to my new student loan servicer 's website, Aidvantage, weeks before my first payment was due. Initially I had decided to set up autopay on my loans for the minimum payment, which I set up. However, I had later decided to overpay on my student loans, and went back on to the servicer website to set up my autopay accordingly. Instead of my normal minimum payment of approximately {$1500.00} per month ( the minimum on my selected plan ), I elected to pay a total of {$4000.00} per month, overpaying approximately {$2500.00} on the loan that carries the highest interest rate. I set up an autopay for each loan, ensuring I paid the minimum on each but also overpaying on that highest-interest-rate loan. 

After setting this up, Aidvantage actually canceled my autopay without my authorization. After that, I went back in and set it up again to ensure it was correct. But that initial autopay calculation is not the worst of it -- after I set it up again, starting in XXXX, Aidvantage took out the {$1500.00} minimum payment, and on the next day, took out the full {$4000.00}. This caused me to pay a total of approximately {$5500.00}, rather than {$4000.00}. Aidvantage not only did not handle my autopay set up correctly, but without authorization took an additional {$1500.00} from me without authorization. The only autopay I had set up on my account was for {$4000.00} total. 

The setup process for this servicer is fundamentally flawed. I will now have to submit these overpayments manually each month, as I don't trust they will take the correct amount each month as promised.
Product: Payday loan, title loan, or personal loan

I took out a loan with Mobiloans on XX/XX/15 I was under the impression that I would like not be charged a one time finance charge how we I have learned that there is a high interest that is accrued monthly. After doing the math I realized that it would take several years to pay off the loan. I am now unable to pay for the loan and have been unable to get in contact with anyone from the company. They are also reporting to XXXX credit reporting f and that was not disclosed. They also do not provide payment history. I have recently learned that they should not be conducting business in the state of California.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX was reflected as a late payment on my credit report in violation of Federal Law. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Credit reporting

On XXXX I placed a fraud alert. Today I ordered my free report from XXXX and XXXX, but EQUIFAX denied my request saying I already requested my report. This is false, but they offer no way to dispute it or speak to a representative. The EQUIFAX automated line says that in order to dispute this fact, I need to call the number on the report that I am saying I did n't receive. This is just wrong. A Credit Bureau should not be able to hold consumers hostage. I am a victim of the XXXX identity leak and so all Federal Employees are subject to this poor treatment. Can you help me get my free credit report from my fraud alert from EQUIFAX?
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Dates of Late Payments : XXXX XXXX XXXXXX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed well before the due date.

Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

National Enterprise Systems ( NES ), a holder in due course of Private Student Loan originated by XXXX XXXX. NES claims that I am a co-borrower of this loan. I have disputed that I signed this application. The copy of the application provided by NES contains numerous errors including incorrect personal information, references, and contact information including email address.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX Balance {$530.00} DEPT OF EDUCATION/XXXX  XXXX Balance {$8700.00} DEPT OF EDUCATION/XXXX  XXXX Balance {$3700.00} XXXX XXXX XXXX XXXX Balance {$150.00} XXXX  XXXX XXXX  Balance : {$500.00} XXXX  XXXX XXXX  Balance {$530.00} XXXX  XXXX  XXXX  Balance {$150.00}
Product: Debt collection

15 U.S.C 1681 section 602 A. states I have the rights to privacy.

15 U.S.C 1681 section 604 Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions This account was fraudulently used while I was on a XXXX in the military and ended up being sent to collections. I want this account removed from all 3 credit bureaus XXXX, XXXX and XXXX Please. I am currently stationed in XXXX, XXXX and have been trying to get this account removed for some time. This account has been sent to debt collector and they have been constantly harassing me to pay for an account that was not used or authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to add a personal statement to my report when I was hung up on 3 times and lied to about the description of my statement. The accounts are unverifiable and I have requested disclosure from XXXX and Experian and the process of the reinvestigation procedure and they are still reporting the account has been verified even tho I contacted the creditors and they cant verify them. This was on XX/XX/2021. I have been sending letters since XXXX XXXX.
Product: Credit card

Cancellation of debt was submitted to the IRS by Chase bank/credit cards, on our XXXX tax return. We were unaware of this practice. We were notified in XXXX XXXX, XXXX, of {$980.00} and made payments toward the debt. In XXXX XXXX, XXXX the reminder balance or {$740.00} was deducted from the XXXX tax return. I have submitted supporting documentation to the XXXX, XXXX and XXXX of the final payment and wished to have debt removed to XXXX balance and closed also, the XXXX chase accounts are old XXXX and XXXX.
Product: Mortgage

In my last loan modification, my second mortgage loan was eliminated after the 2008 mortgage crisis. I did received a cancellation of debt shortly after. I do not have records of the cancellation of debt or my tax returns when I filed. I have tried to request records from the mortgage company but they have referred me to the customer research department and they have never responded to my requests. My loan was apparently sold to another company and then a collection agency. I received a phone call that my house will be going into foreclosure.
Product: Checking or savings account

US Bank charging overdraft fees stating account was overdrawn. 
Bank took over 2 weeks to deduct payment amounts which caused my checking account to go on a negative. 
Saturday morning of XX/XX/year>XXXX  I called my account and operator stated there were funds of around {$300.00}. I had plans to go to XXXX Tuesday morning. I went first on Sunday and spent {$29.00}. Went back on Tuesday XX/XX/year>XXXX  & my transaction of {$170.00} was declined. I asked cashier to allow me to swipe my card again, and it was declined a second time. 
I asked if there was a ATM machine to take out the cash and when I attempted pulling funds out of the machine, I was denied again. After all the confusion, I contacted US Bank Customer Service. The operator stated they were experiencing technical difficulties to try again later. Finally, they sent me to the fraud department and asked verification questions. I informed them of what was going on with being declined when I just used my card 2 days ago and had over {$300.00} in my account. They said I was now at a negative {$100.00}. I asked how was that, if I had the funds of over {$300.00} in there and hadn't touched the money purposely so that I would be able to get my groceries. The representative stated that it was because I made a {$500.00} payment to my credit card. I told her that payment was made the beginning of XXXX, why and how is it that the bank took this long to deduct the money from my account; leaving me all along with the impression of having sufficient funds in my account. If there is a payment made the funds/amount should be automatically deducted no more than 2 weeks to process. I then get a letter stating I owed them more money, which added up now to {$150.00}. This isn't the first time the bank has done this to me, it's happened over 4 times this year. I been banking with them for 24 years when they once were XXXXXXXX XXXX XXXX XXXX. I never had this issue before. Now that they have transitioned to US Bank, they've made a lot of changes and aren't keeping up with transactions. I am now being charged for what is there error ( s ) & I most likely am not the only consumer this is happening to.
Product: Checking or savings account

I deposited a check in the amount of XXXX on XXXX into my Capital One checking account, it was drawn from the sender 's bank account and the funds entered my account. 

4 days later on XX/XX/10 the funds were removed from my account due to a signature being invalid and now my bank account is negative. 

Calling said they'll have it figured out in 30 days, which is an unacceptable timeframe to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. 

I have filed and FTC report and have reached out to the local police.
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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 disputed accounts with XXXX and they have not responded within the required time by the FCRA. I would like the items removed.