23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

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 that I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

Zions bank is allowing accounts to pay automatic WITHDRAWAL payments that overdraw your account and charging {$29.00} per transaction that causes XXXX fee. They are gauging and even though we deposited checks that went into our account the day after, we tried to cover, and I called the bank directly to ask for forgiveness they said they only allow courtesy credit once a year. They are excessively charging these fees. Its outrageous and the fees should at least be lowered if not eliminated. How can we get this to stop?? See below We deposited check for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I called the 3 credit bureaus after I purchased a credit report with XXXX on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were erroneous Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I am hoping that these accounts will be corrected. 

XXXX  XXXX Balance Owed : {$85.00} ; XXXX XXXX Balance Owed : {$4900.00}
Product: Checking or savings account

I applied XXXX checking account on XX/XX/XXXX. It's been a month, and my account is still not ready yet. Every week, they sent me an email says I need to call for verification. So far, I've uploaded my driver 's license, the photo of me holding my driver 's license, the photo of me & driver 's license & a note says I'm applying upgrade account, XXXX form, XXXX, and tax returns from XXXX and XXXX. They are still NOT able to open the account for me. I don't understand why this is so difficult. I'm just applying a simple and normal checking account, not a loan or credit card. The customer services are not professional nor friendly either. It took me at least XXXX calls to figure out I need to uploaded those forms from IRS. In the past month, I've called at least 10 times, wrote a bunch of emails, but Upgrade is still reviewing my application. No one ever talks to me about anything regarding my application until I call in and ask for instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX, transunion, and XXXX has violated my privacy which is a violation of the FCRA. XXXX XXXX continue to list a dismissed bankruptcy as confirmed. I am aware that XXXX XXXX receive their information from a third party verification system known as a pacer system. This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for up to 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order relief. As a consumer I have a right to privacy Under the FCRA, 15 U.S.C. 1681 ( 4 ) which states, There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to PRIVACY.
Product: Debt collection

I contacted a company called Kingston data and credit due to a collection from a gym on my credit report. After trying to play games with me about the verification I did receive an email from them admitting that they could not get a hold of the original creditor although they had tried and would be removing it from my credit report. I do have the email from them. I just looked at my credit report and found that they put it as a charge off. I have the documentation as well as all the communications between myself and the debt collection agency including the letter stating that it would be removed. As well as a copy of my credit report showing it as they charged it off instead.
Product: Checking or savings account

On XX/XX/XXXX I made an online bill pay TO my XXXX 's XXXX FROM my Capital One banking. After a week I did not see a posted payment to the XXXX account. I waited until XX/XX/XXXX to reach out to Capital One to see why this payment had not gone through. I was transferred to the fraud department, when all I wanted was a stop payment on the check. They treated this as a dispute and a fraud claim. This was a mistake on their part, not mine as I have paid this credit card many times before with this method. I was told it would be up to 45 days to credit my money, IF it was indeed an incorrect mailing address. The amount was close to 2000 US dollars. I
Product: Credit card or prepaid card

HSBC sold my credit card account to XXXX XXXX in XX/XX/XXXX. HSBC failed to provide statements for XX/XX/XXXX and XX/XX/XXXX to XXXX XXXX and because I was no longer a customer I couldn't access the online statements. 

The amount due XXXX XXXX presented me with for XXXX didn't match my records and the current transactions given were inaccurate, including triplicate charges for each credit card use. 

XXXX XXXX doesn't answer their customer service line and HSBC declined to assist me. Through repeated contact throughout XXXX I was able to cancel the XXXX XXXX card and obtain HSBC 's promise to mail me the XXXX and XXXX statements on XX/XX/XXXX. 

As of XX/XX/XXXX, I still haven't received the statements nor has XXXX XXXX obtained them.
Product: Checking or savings account

Overdraft fees with navy federal Ive been a customer for 7 years
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously, I made an investigation about this account with incorrect information and after checking your responses, I recognized that the same account is still incorrect, with a confirmed status. Please correct the account listed below : XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00}
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information Reported by Jefferson Capital Systems this account does not belong to me. 

I am writing to formally dispute the inaccurate information reported by Jefferson Capital Systems on my credit report. I believe that these entries are not in compliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( a ) ( 4 ), 15 U.S.C. 1681 ( a ), and 15 U.S.C. 1681 ( e ) ( b ).

FCRA 15 U.S.C. 1681 ( a ) ( 4 ) : Under this provision, all information reported to credit bureaus must be accurate. I believe that the data provided by these entities is inaccurate, misleading, or outdated, and I request that a thorough investigation be conducted to rectify these errors.

FCRA 15 U.S.C. 1681 ( a ) : This section requires that information provided by entities such as Jefferson Capital Systems must be accurate and complete. The inaccurate reporting of these accounts has harmed my creditworthiness and violates my rights under this section of the FCRA.

FCRA 15 U.S.C. 1681 ( e ) ( b ) : This section mandates that, upon notification of disputed information, the consumer reporting agency must conduct a reasonable investigation. I am requesting that you review the accuracy of these accounts and ensure that the required investigations are conducted to resolve the discrepancies.

The accounts in question are listed as follows : Jefferson Capital Systems Please review the attached documentation, which includes any relevant supporting evidence which I believe substantiates my claim of inaccurate information.

I request that you investigate these inaccuracies and take appropriate action in accordance with the FCRA. If the data can not be verified as accurate or if it does not meet the legal standards, I ask that it be removed from my credit report.

I also request written confirmation that my dispute has been received and is under investigation, as well as a final resolution of the matter. Please update me with any actions taken to resolve this issue, including any changes made to my credit report, as soon as possible. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Product: Debt collection

I hope this letter finds you well. I recently reviewed my credit report and observed inaccuracies related to late payments on my account with XXXX XXXX XXXX. I want to clarify that I have not been late on this account, and I kindly request the immediate removal or correction of these inaccuracies. I believe there might be a misunderstanding or error in the reporting, as I have consistently made timely payments.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

I always check my bank accounts to avoid overdrafts or late fees ; yesterday was the same. Today I received an alert in my phone telling me about an overdraft and at XXXX I covered the amount and a few dollars more. I came home and after lunch I received another notification about another overdraft, I checked the account and Wells Fargo charged me an overdraft fee. I called them and they said the overdraft occurred last night at XXXX and I made my last purchase around XXXX. 
I 'm not agree with this bank behavior and the way they 're looking to charge fees to us, the consumer. I want my money back and make them improve the alert system and the communication with clients and stop this corrupt bank having this abusive practice. 
Thank you for your assistance.
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 TransUnion 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 Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to TransUnion disputing a late payment reported by 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 : My payment was made on time, as evidenced by my bank statements and payment confirmation receipts from my bank account, which clearly show that the payment was processed and sent before the due date. 
Despite this, the late payment was inaccurately marked on my credit report. 
I provided this information along with supporting documents but despite my adherence to the dispute process within the Fair Credit Reporting Act, TransUnion, XXXX, and XXXX have failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion 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
Product: Bank account or service

On XXXX/XXXX/2015 at XXXX Eastern Time, I drove up to the ATM at the Chase Bank Branch located at XXXX XXXX XXXX, XXXX KY XXXX to make a cash deposit. I was in a hurry and made the mistake of not counting the total deposit amount, but I would estimate it to be between XXXX and XXXX dollars. I fed the money into the ATM and got a receipt that said there was a technical problem with the ATM and to contact the bank to resolve. I went into the bank branch and was told I had to file a claim, which they did for me, Later that day, I received a " temporary '' credit of {$53.00} while they reviewed my case. They mentioned they have the option of taking the money back if they do n't find an error occurred with the ATM. Chase has a reputation for not giving customers back their lost funds and I am concerned that I will not get back the remaining {$30.00} to {$40.00} in lost funds but also they will try to take back the {$53.00} they did give me. I do not trust these people and feel like they are going to give back all of my money. If you can help I would appreciate it.
Product: Checking or savings account

We've noticed twice now our bank Old National back dating checks and shuffling things around to allow them to charge more overdraft fees. We had to write one large check in XXXX and knew it would cause an overdraft fee, instead of that check causing a fee the bank shuffled our transactions then backdated and put the check transaction at the bottom enabling them to charge hundreds of dollars in fees. Over the course of 30 days we've incurred over {$760.00} in overdraft fees due to transaction backdating and shuffling plus a {$100.00} fee from our quickbooks payroll because our direct deposits that are processed are always cleared on Fridays were kicked back into a pending status AFTER clearing and posting.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I tried for Auto Loan in the month ofXX/XX/XXXXreceived in correct or completely controversial or denial from most of the Credit union. The Credit Union did not update my personal information or lack of my information in their data base. This is due to the Credit Union anticipate / pay XXXX $ each month to update my information or might be provided in appropriate information about my Credit-ability. This Approach from all the Credit union made me fatigue because I have been paying my Credit card payments, Auto Loan and other Utility Bills in time without default even after voluntarily contact some of the Credit union like XXXX, XXXX XXXX did not provide right Credit ability or the report varies from one Credit union to others. At last XXXX provided me a report that shows I am victim of identity theft and hence agencies place " fraud alerts '' in my file Who is responsible for this? Now a days there are significantly increasing Cyber Crime and could you please investigate on my behalf and take Stringent Action against the Fraudulent who theft my Personal information. I hereby Authorize to take necessary Action against Fraudulent.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report. I wanted to make sure that everything is 100 % correct and accurate. Can you reinvestigate the accounts listed below. 

Account Name : XXXX XXXX XXXX. 
Account Number : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Product: Credit card

When I call the phone # on the back of my XXXX XXXX XXXX card they try to offer XXXX gift and want my XXXX credit card #. They will not let me close the account without giving them another credit card #. I have tried calling XXXX XXXX directly and they push me back to the original phone # on the back of the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report to this over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX. XXXX - XXXX XXXX. XXXX - XXXX I demand immediate removal of this disputed item from my credit report. 
Furthermore, I expect to receive an updated credit report reflecting this removal within 30 days of the item 's removal. 
Moreover these INQUIRIES were not done by me. I remember doing NO BUSINESS with this FINANCIAL INSTITUTIONS. 
XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in 2017 after the large security breach, I placed a security freeze through each of the 3 credit  reporting companies - Experian, XXXX, & XXXX. This was a long, tedious process but it was finally accomplished. With XXXX I had no trouble lifting the freeze. However, I am finding that trying to unfreeze the accounts through Experian and XXXX  has been not only hard but nearly impossible. I was given pin # s to use by Experian and XXXX  but NOT by Equifax when I was ready to lift the freeze. 

I have tried repeatedly to have my security freeze permanently removed from Experian, using the pin # they sent me but it keeps giving me a security freeze error and then recommends that I call them at XXXX. This automated system does not give you the option of removing a freeze, only of placing a freeze or fraud alert and there is no capability of talking to a live person. I have also tried their site at experian.com/upload but keep getting the message that the documents are not loading. Although sending my information online has it's risks, I feel like sending all of my information through the mail feels like an even riskier option. 

As for XXXX, I do not know how to proceed since I can not find any paperwork they sent to me with a pin #, like the other two did. 

I would greatly appreciate your help with this problem. 

Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting a credit card account on my credit file with XXXX, Transunion and XXXX that wasn't authorized by me. I've asked all parties including XXXX XXXX to provide me with signatures, identification used to make transactions that i did not authorize. I asked XXXX, Transunion and XXXX to reinvestigate in XXXX  and nothing was done. As a consumer all parties violated my rights as a consumer per the Fair Credit reporting Act. 15 USC 1681i ( 5 ) ( A ) was violated and therefore the XXXX 's account has to removed from my credit file within 3 days according to the Fair Credit Reporting Act. Please remove XXXX 's account