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

I had issues with Old National Bank overdraft fees. I am a XXXX veteran who doesnt qualify for overdraft protect due to my medical bills after my second transplant. I paid my XXXX bill and it was taken early. I also paid for gas and snacks at a gas station and the amount I paid exceeded the the amount of gas I put in. When I tried to get my refund they couldnt give it back in cash so I had to wait until the money was put back on my card. As I am sending this email I am still waiting for my money to be refunded. My account was in the negative {$30.00} because of these issues. The next day XXXX account was in the negative at {$77.00}. The amount doubled due to the overdraft fees. I explained my issue but no one responded. I had proof of everything I said but they either ignored me or didnt get it. No ones bank overdraft fees should be more than what the amount of the overdraft. They also could have used discretion hen viewing my account. They allow an overdraft fee after {$25.00} and mine was {$30.00}. Im a XXXX veteran living off XXXX and they seem to not understand how those fees affect their customers. They should never have a policy that dont allow wiggle room for cases like mine. Ive been with this bank for XXXX years and it seems to hold no weight in their decisions. How is this legal for XXXX fees and XXXX dollars a day afterwards. They never sent a notice of the overdraft. They send account balances on XXXX but none for overdrafts
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke to representative again at Equifax on XX/XX/2022 XXXX XXXX  Who confirmed again that they have the requested police report and Ftc report information on file to have the inquiries deleted that were not authorized, i did not request these inquires, and there need to be removed from my credit report. Escalated to speak XXXX XXXX See inquries below XX/XX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I need to clarification as to why the credit bureau XXXX, XXXX and XXXX XXXX is reporting certain information on my credit report. Please review the following : Account Name : Nissan Motor Acceptance Account # ending in XXXX Your are reporting this account as open yet you also are reporting a monthly payment and Ive been sent to XXXX XXXX XXXX as a changed off debt collector. Delete this account immediately due to the inaccuracy.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your institution. Upon reviewing my credit report, I was dismayed to find discrepancies that raise serious doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have enclosed with this letter for your thorough examination. I respectfully urge you to investigate this issue thoroughly and promptly correct any inaccuracies to update my personal information accurately. 

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records of convictions of crimes, that is older than seven years.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Delete this information immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted All 3 credit reporting agencies via email, fax and online disputes regarding a dismissed and discharged bankruptcy on my report as well as XXXX XXXX and other agencies to remove the bankruptcies from my reports. As of XX/XX/XXXX, 2017 with the new law that came out, bankruptcy should not be on my report because it does not include the information as allocated by law being my name, date of birth AMD social and according to my bankruptcy court they do not disclose public information to credit reporting companies..after several attempts, disputes and efforts. It still has not been removed and this is clearly a violation and inaccurate information.
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 {$4500.00}.

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.

-- CLOSED ACCOUNT 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont recognize these inquiries XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I had an emergency and ended up in the hospital for a very short period of time. Insurance information was provided at the time of service, health insurance at the time was XXXX  XXXX, policy number XXXX. Insurance was billed and multiple times for the services provided, I will list them below- Claim ID number XXXX {$1200.00} paid to XXXX XXXX XXXX XXXX XXXX ID number XXXX {$4800.00} paid to XXXX XXXX XXXX Hospital Claim ID  number XXXX {$4800.00} paid XXXX XXXX XXXX XXXX Hospital Claim ID number XXXX {$820.00} paid to XXXX XXXX XXXX Hospital In XX/XX/XXXX, I get a letter from XXXX XXXX XXXX XXXX XXXX collecting on behalf of XXXX XXXX XXXX stating that they are owed {$1200.00}. This was already paid and settled with my insurance as I listed above. I been receiving calls non stop from them demanding payment. It is also been added to my credit report and my score has already dropped significantly, to the point that is has stopped me from being able to refinance my home.
Product: Credit card

This is both a billing and customer service issue. First let me state that the BBB gives a name of XXXX XXXX with a number of XXXX, with no access code, luckily I had XXXX. When you ask for the name provided then a rep tells you that " she is unavailable, but then continues to probe you for info. To me this is a clear indication that she is, but they just wo n't put her on the phone. So for that I am also reporting this company to the FTC. 
My New issue is that Capital one credited me XXXX do to an error on their end XXXX they passed the blame off to XXXX XXXX XXXX, but the XXXX only covered the XXXX plus XXXX late fees and not the interest I ws promised. i called in yesterday, spoke with a supervisor who fixed that issue just fine. I told her I had just made a payment of XXXX via XXXX Saturday and that I will call back with the reference number, so that they could verify and release the funds unto my account. I called back in with the reference # but they stated that because my account was " past due '' and " in collections '' that they could not. My account should have never been placed in that status because it was in dispute and accoding to the FDCPA If, within thirty days after receiving written notice of the debt from the debt collector, you contact the company stating that you do not owe the money, the debt collector must stop contacting you. The debt collector may renew collection activities if you are sent proof of the debt, such as a copy of a bill for the amount claimed by the creditor. And that until proof is given I am NOT required to make payment. 
Under the Fair Debt Collection Practices Act, you have the right to sue a debt collector in state or federal court within one year from the date of the violation. If you win, you may recover damages in the amount of any losses you suffered as a result of the violation, plus an additional amount of up to {$1000.00}. You may also be able to recover court costs and attorney fees. I am hoping that it will not come to this, but you will not violate my FDCPA Rights, you will not hold my hard earned money and you will not disrespect me Capital ONE!
Product: Consumer Loan

I 've received an unsolicited loan offer with an annual interest rate ranging from 99.75 % to 184.36 % from a company called LoanMe, Inc. based in XXXX, CA. ( License # XXXX )
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and as a result, several fraudulent accounts and inquiries have appeared on my credit report. I request that these fraudulent accounts and inquiries be blocked and deleted from my credit file as per 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be Blocked and Deleted : XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$2300.00} XXXX - XXXX - XX/XX/XXXX - {$590.00} XXXX - XXXX - XX/XX/XXXX - {$1300.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$410.00} XXXXXXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX - {$2400.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XX/XX/XXXX - {$440.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$2200.00} XXXXXXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$970.00} XXXX XXXX XXXX - XX/XX/XXXX - {$2700.00} XXXX - XXXX XXXX XX/XX/XXXX - {$1200.00} XXXXXXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$2700.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$200.00} XXXX XXXX  XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$2700.00} XXXX - XXXX - XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX - XX/XX/XXXX - {$2100.00} XXXXXXXX XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$2800.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1700.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2200.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$1200.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1800.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$2200.00} Inquiries to be Investigated XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX 2017, my checking account was electronically debited for {$110.00} by Capital One. SInce I was not aware of having specifically done business with Capital One, I called ( several days later, but as soon as I noticed the charge on my statement ) my Financial Institution, XXXX XXXX XXXX, in order to ascertain the origin of the charge. My XXXX representative then placed ( and recorded ) a three-way call to the Customer Service phone number we found on the Capital One website. Initially, the call was answered by a Capital One representative in XXXX who was unable to trace the source of the charge. We ( the XXXX Rep and I ) were then transferred to a call center in XXXX XXXX ( I do not recall the Nation, but made note of the Continent ) where the Capital One representative was also unable to provide the answer to my question and was moreover unable to forward us to somebody who Could do so. At this point, I felt my only choice was to issue a " stop payment '' order to XXXX, a process for which there is normally a FEE. My XXXX  Rep was cooperative and helpful in taking this action. I signed and returned the paperwork on XX/XX/XXXX, and XXXX promptly executed my order. Within 48 hours of the " stop payment, '' action I was notified of my failure to pay a Legitimate Bill by the Menards Credit Card Division, the ACTUAL source of the bill, and that I could be subject to " late fees '' or other penalties. When I initially obtained my Menards Card, XXXX was the entity administering the account. When Menards subsequently changed their service provider to Capital One, I was duly and properly notified, but, being a mere mortal Human, I FORGOT. Because the " fault '' was mostly my own, I DO NOT complain of any illegal financial dealing. I complain of Capital One 's Inability or Unwillingness to answer what I considered a simple and straightforward question ( i.e., " what am I paying for here? '' ) to which a satisfactory answer would have PREVENTED my taking the " stop payment '' action which in turn subjected me to possible fees and/or penalties. For my part, I was Perfectly Willing to provide detailed information ( name, address, even, if necessary, Social Security number ) to locate " my account. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Company has reported my account as late, when my account is set up as an Auto Payment and has always been set up as an auto payment. Apparently they XXXX XXXX changed banks that handle their credit card. however when they transferred my account they should have also transferred the payment information that was on my account as well. Nothing changed on my side money was there in my account and set to pay. Now i have this ridiculous late payment when i was not late.
Product: Money transfer, virtual currency, or money service

Account 'frozen due to risk management ' since XX/XX/XXXX, have tried endlessly to contact them including providing documents upon documents that they requested from me until they just stopped responding via email. They have over {$500000.00} worth of my assets in the form of cryptocurrency on their platform and will not respond to anything. I have plenty of tickets and corresponding emails where they requested me for identification items that i submitted until they completely stopped responding to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I read the response from Equifax that indicated the address XXXX XXXX XXXX XXXX, XXXX  XXXX, MO XXXX was not reporting on my credit file as of XX/XX/2020 but when I pulled my Equifax report on XX/XX/2020 it does report. I have never lived in XXXX  XXXX, MO I have attached proof that Equifax lied and did not remove it and continues to report false information. SEE THE ATTACHED DATED AFTER THEIR RESPONSE.
Product: Credit reporting or other personal consumer reports

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 a 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. 

Also within this account, there are many reporting errors associated with this account.
Product: Debt collection

On XX/XX/XXXX I contacted XXXX XXXX XXXX via text message, and by telephone ( cancellation department ) to request a cancellation of services. I requested that they send my the buyout amount, so that the account could be closed immediately. I was sent a cancellation agreement on XX/XX/XXXX from XXXX to complete via XXXX, and this was completed and returned. On XX/XX/XXXX I reached out to XXXX  cancellation department after being sent from department to department, and spoke with representative XXXX, who informed that the amount that I needed to pay to close the account was {$130.00}, and she indicated that they would be providing a 20 % discount, as I informed that I was not working at the time. I inquired why I continued to receive so many different payoff amounts from XXXX and was transferred to XXXX ( cancellation department ) who then informed that the amount that needed to be paid was {$140.00} ( which was supposed to be 20 % less that {$170.00} ) another different amount from the last representative, letters, and emails from XXXX. I was informed that this payoff amount would be documented in the account to avoid further notices and phone calls from XXXX, and agreed to go to their portal following the phone call to pay {$140.00}. However, when I went to the portal to pay the final amount it indicated that they amount due was {$130.00}, which I paid ( confirmation # XXXX ). A month passed and then the phone calls to both myself and my husband continued numerous times a day, along with letters. On XX/XX/XXXX, after the continued phone calls and letters, I reached out to XXXX  via text message and requested that they stop contacting me as I had already paid off the amount that they told me to pay to close the account on XX/XX/XXXX. I was told to contact the cancellation department again, and refused to, due to the numerous attempts and confusion that I had already dealt with. During the past 10 months we have received several letters from XXXX acknowledging the request for cancellation, as well as numerous offers to return at a lower amount, which is equally frustrating, since we have been making payments to XXXX since XXXX of XXXX. My husband and I received a phone call from " XXXX '' collection agency today requesting that I provide him with the reference number that he provided, along with the cancellation letter, the amount paid ( which he already was aware of ) and the last 4 digits of the card used to pay the {$130.00}. I am skeptical of providing this collection company with any information, outside of what was provided to them from XXXX.
Product: Debt collection

Received a letter from Credence XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX www.credencerm.com About a XXXX XXXX XXXX bill for {$300.00}. That I do not owe. 

Mail payment to Credence Resource Management , LLC XXXX XXXX XXXX XXXXXXXX, MI XXXX
Product: Credit reporting or other personal consumer reports

. Subject : Complaint Against Experian for Refusal to Update Personal Information Dear Sir/Madam, I am writing to file a formal complaint against Experian for their refusal to update my personal information on my credit report. On XX/XX/year>, I submitted a personal information update letter to Experian, requesting the correction of my address and other personal details. This letter was accompanied by the necessary documentation, including a copy of my driver 's license, Social Security card, and a utility bill to verify my address. The document was also notarized. 
However, on XX/XX/year>, I received a response from Experian stating that my request could not be processed because I did not provide a government ID. This statement is incorrect and misleading, as I had included all required documents, including a government-issued ID, in my initial submission. 
Attached to this complaint, you will find a copy of my original personal information update letter and all supporting documents that were submitted to Experian. 
I believe that Experian 's refusal to update my information is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) and 15 U.S.C. 1681e ( b ) ( Compliance procedures to ensure maximum possible accuracy ). 
XXXXXXXX XXXX failure to acknowledge and properly review the provided documentation is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, consumers have the right to dispute inaccurate information on their credit reports and must be provided with a fair and reasonable investigation of their dispute. By ignoring the documentation I provided, Experian has failed to uphold their obligation to conduct a fair investigation, thereby violating my consumer rights.
Product: Vehicle loan or lease

On XX/XX/2018 my husband and I applied for a joint consolidation loan at the Key Bank, in XXXX, OR. The loan officer was very polite, and engaging. On XX/XX/2018 he called us to inform us that we were denied based on 3 years ago prior late payments on my personal record. At that moment, I told him we would like to apply for just a car refinancing loan only in my husband 's name ( because he has good credit ). The loan officer, XXXX XXXX, then informed me that they do not give loans to XXXX. ( My husband is a legal XXXX XXXX. ) At that point I replied that I felt that this policy was racist, and discriminatory. 

Therefore, I would like to make a discriminatory complaint against Key Bank. I also called the XXXX number and the customer service lady confirmed that whatever the criteria for " underwriting '' for Key bank 's loans policies are, which the loan officer stated, was what Key Bank goes by. Therefore, it is obvious that this bank is discriminating against legal XXXX XXXX. ( My husband has a 10 year XXXX XXXX, Social Security Card, Oregon Drivers License. ) Please submit this discrimination claim. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

To the CFPB ( Consumer Financial Protection Bureau ) I request that Early Warning Services provide proof that I have committed account abuse or banking fraud. 

I have not committed account abuse or banking fraud I was a victim of identity theft, the item on my early warnings report is incorrect. 


I have tried to resolve with EWS directly and to no avail. 
The proof is in my previous CFPB claim. 

Here is my contact information : XXXX IF THEY NEED TO VERIFY MY IDENTITY CALL ME AT XXXX XXXX XXXX XXXX  MONDAY THROUGH FRIDAY.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Unauthorized Hard Inquiries Due to Identity Theft Dear XXXX and XXXX, I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, which are negatively impacting my credit score.

The unauthorized inquiries related to identity theft are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), 1 have the right to dispute any inaccurate information on my report. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted.

Additionally, I have filed an FTC identity theft report with the Consumer Financial Protection Bureau ( CFPB ).

Please investigate these inquiries and remove them from my credit report at your earliest convenience. I would appreciate confirmation once the removal is completed or guidance on any further steps required.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX