23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXXXXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : Collection Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

I was shocked to find inaccurate accounts on my credit report this morning, and I have no idea why they're there. I routinely check my credit report, and this time, there were unexpected discrepancies. I even refreshed my browser, hoping it was a glitch, but the inaccurate accounts remained. I'm really concerned and am requesting that the documents I've sent be thoroughly reviewed so that I can put this worry behind me once and for all.
Product: Money transfer, virtual currency, or money service

Hello Team, I did an international SWIFT USD transfer of XXXX XXXX  ( incl. XXXX in fees ) through the TransferWise 's APP which in the end only received 1945 XXXX and paid nearly XXXX XXXX  in fees which they never notice me as a customer during the whole process that such large fees can possibly occur. I have contacted the company by email and LiveChat resulted in no help
Product: Checking or savings account

My checking account with Sun trust Bank went overdraft due to a payment I made to a collection company, I only had available {$77.00} when the {$100.00} payment was withdraw from the account creating an overdraft. Ad ditionally, the bank charged me a {$36.00} overdraft fee for an automatic insurance added by them and  XXXX .. for being extended overdraft. I 'm supposed to deposit {$180.00} for overdraft of which {$140.00} are fees. I called the customer service line, and they declined to make the adjustments even though the valid amount of money I am overdraft is less than  XXXX .. Needless to say, {$140.00} overdraft fees in a week is detriment to the consumer and if do n't have the {$180.00} to deposit now they told me I was going to continue to receive a {$36.00} every 4 days until I covered the overdraft amount. How do you allow a bank to charge those excessive fee 's. I am trying to pay my bill, s to catch up and this crazy overdraft fee policies will impede me from paying, or even buying food for me and my family. I understand I went over for not checking the available balance but a {$140.00} for having less than {$50.00} dollars in my checking account is outrageous.
Product: Checking or savings account

The bank ( Citizens ) is trying to attract capital by enticing people with an attractive interest for a new CD. When CD matures, they renew it at 0.03 % and hope that people do not notice. In addition to XXXX interest ( negligible in this instance ) they access an additional fee to withdraw funds. Clearly a bait-and-switch.
Product: Student loan

I entered repayment of my student loans in XX/XX/XXXX. Until XX/XX/XXXX, the loan servicer was XXXX XXXX XXXX XXXX XXXX XXXX  ). I consolidated my loans with XXXX  with my first payment to them in XX/XX/XXXX. My loans were transferred to Mohela in XX/XX/XXXX. I have attempted without success to get documentation of my student loan payments made from XX/XX/XXXX to XX/XX/XXXX from XXXX and Mohela but XXXX and Mohela do not have a record of these payments. I was informed by Mohela to contact studentaid.gov ( Department of Education ) which has informed me to contact my student loan servicer, then informed me to contact XXXX XXXX XXXX XXXX XXXX XXXX  ), the prior servicer. As I have paid on this student loan since XXXX and have never been in default, I believe would be eligible for forgiveness under the XXXX  year student loan forgiveness program in XXXX. I was hoping to retire that same year as I will be XXXX XXXX XXXX. As I am unable to find a way to contacXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I am missing XXXX  years of student loan payments in my payment history with no way to verify the payments. Thank you for your assistance.
Product: Debt collection

XXXX with World Finance in XXXX, SC ( as well as other staff members from this location ) have called my place of employment and disclosed that they were looking for me and which business they are from ( ie. World Finance ) regarding a debt.
Product: Credit reporting or other personal consumer reports

My account with DEPT OF ED/XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in o be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

DEPT OF EDXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

DISCOVER FINANCIAL SER XX/XX/XXXX DISCOVER FINANCIAL SER XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy and inclusion of outdated and incorrect address information on my credit file. Per the Fair Credit Reporting Act ( FCRA ), you are required to maintain accurate and verifiable data in my credit report. Additionally, I request compliance with the Metro 2 and CDIA standards for accurate and uniform reporting.
Product: Credit card

I have a bank of america credit card. I have not had any late payments and I always pay more than the minimum. I did have the card close to the credit limit and I do have cash advances on it. While looking at my statement from about six months ago at a time when it was close to the max limit to now where there is a XXXX  XXXX dollars of credit available, I noticed that the my payments which are always over the minimum are not being applied to the higher interest cash advance. Its easy to see this as my cash advance available limit is {$4500.00} and although now I have close to {$2000.00} of available credit currently only about {$50.00} is available for cash advances. So in the past several months, an example would be my minimum payment amount is {$250.00} and I pay {$500.00} but the additional {$250.00} over the minimum is not being applied to the higher interest rate cash advance portion of my bill. This obviously causing more interest for the bank and costing me more money and my balance to actually go down slower.
Product: Credit reporting or other personal consumer reports

I've raised several disputes concerning accounts that aren't mine, but they continue to appear on my credit report. Additionally, I've filed multiple FTC Reports regarding these incorrect accounts. Despite legal obligations, these companies have neglected to address the disputes appropriately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Debt collection

Credit Services Company, Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Toll Free : ( XXXX ) XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX and XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Dear Consumer Financial Protection Bureau : XXXX XXXX, XXXX Re : Case number XXXX In response to your letter dated XXXX XXXX, XXXX, the above named credit company is once again ( after the passage of over one year ) harassing me with threatening letters. These letters are documents nearly entirely in XXXX, though I speak XXXX. 

These letters attempt to prove that I did not experience coercion and predatory consumer manipulation when a doctors office in network for me suggested that I have an elective ( non-necessary ) procedure, and that they would make all the necessary arrangements for me to have this invasive out-patient procedure at XXXX of their sister facilities. 

As indicated repeatedly in previous letters, not once in all the interactions with this doctors office or the institution that repeatedly contacted me, was any notice given, nor advice or " Full Disclosure '' carried out by any of the parties involved ; that they were - in fact, outside my insurance network and therefore cause certain patients financial hardships - even if referred by the physician in question here. They have an ethical, moral and fiduciary responsibly to their patients to provide safe, effective, and fully informed and consented care to the patients they treat and collect remuneration from. 

In your latest letter, you indicated that you were unable to contact said credit company for lack of domicile, etc. Please note above that I have corrected in full the information you require ; including a toll-free phone number and the previously missing XXXX number. 

I hope that this additional documentation will assist you in pressing my compliant and my cause to its ' rightful conclusion with this predatory organization. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX Email : XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00}, for every violation. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and Experian etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. 
Privacy Act of XX/XX/1974 the Privacy Act of XX/XX/1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies. 
15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

313.1 Purpose and scope. 
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15. 
433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

XXXX XXXX
Product: Credit reporting

I 've been a XXXX Customer since XXXX XXXX, XXXX and have made numerous online purchases this company. Their records will show that I have never been late or missed a payment. Unfortunately, I found out in XXXX XXXX that my account was suspended and turned over to collections for an original {$31.00} charge that grew to approximately {$120.00} ( with late fees and interest ). When I called to find out why my account was delinquent, I was informed by the customer service representative that the address on file was our old address ( from 2 years ago ) and that the bills and collection notices were being sent to the old address. What is even more strange is that when I made my last purchase online in XXXX, I updated my shipping and billing address ( see the confirmation email below from XXXX )!!! I worked through the process to have the payment applied and most of the finance charges removed and XXXX apologized for the error and stated they would not report a negative finding to the credit company. Unfortunately, my credit report is reflecting a deliquent amount that I need to have removed. I have contacted the major credit companies and they have indicated they can not take any action as the issue rests with XXXX. When I contacted XXXX, they claim that they did not report the issue and they issue is closed on their end. I need to get this off of my credit report as its hurting my financial future. Thanks! ( XXXX account # XXXX ) See supporting documentation. Thanks!
Product: Debt collection

I had a lease signed at XXXX ( XXXX XXXX XXXX XXXX, XXXX AZ XXXX ) for a year and after the lease term ended, I was falsely charged for an amount of {$230.00} for Damages and repairs. This charge is partially incorrect because they charged me for a missing bathroom door which I think was the largest portion of the charge and I have documents to support my claim which can be found attached below. The company also never provided me with an itemized list of the damages giving me an estimate and directly charged me. When I reached out to them they rarely replied to me and if they did it wasn't a satisfactory reply. I also sent them an email saying I would go to small court about it, and they agreed to remove it. But unfortunately the charge was never removed and was sent to debt collections and I had to pay the whole amount in total and my co-signer received a red flag in his credit file. I was forced to pay this amount from my tuition fees and it was really difficult as a student to pay this false claim which was not even true. Could we potentially settle this out?
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 {$5000.00}, {$400.00}. 
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. 

-- OPEN ACCOUNT -- 1. XXXX CARD  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$400.00} -This is not my account.
Product: Checking or savings account

I requested the following : Please reimburse me for the damages casued on my frozen/blocked account inthe amount of {$360.00} for check no. XXXX and XXXX that were not honored by the bank when presented to the bank by XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collector. I personally visited the Citi Bank in XXXX Ca on XX/XX/year> and requested to know if I could write checks on this account. The account had a fraud issue on account occurred by internal affairs of the bank approximately a year earlier. The XXXX XXXX XXXX assured me that my account was ok and it was ok to write check on tihs account. I presented XXXX XXXX with my physical check and asked her to verify this because the fraud issue occur about a year prior. XXXX XXXX indicated that it was find to write checks on account and I had funds readily available in the account. The checks were utitimately returned unpaid by the bank. The checks were for my property taxes. As a result, I had to pay a XXXX XXXX late payment penalty and {$50.00} for each bounce check to the tax collector. The total paid out resulting for this error was {$3000.00} plus {$0.00} for parking. My original payment for both checks was {$2600.00}. The late fee was {$260.00} and bounced check fees were {$100.00} and parking totaled {$0.00}. All losses total {$360.00}. See attached receipts. I requested reimbursement and the bank has refused to correspond in writing and only had the branch manager phone call me to saythat their manager is not allowing a response. I have not been reimbursed.
Product: Debt collection

I am not liable for this debt with XXXX XXXX  XXXX and I do not have a contract with 1ST CRD SRVC plus they did not provide me with the original application like I asked. 

Account No:XXXX Amount Disputed : {$480.00}
Product: Vehicle loan or lease

Honda Financial Services makes a practice of subtracting interest from extra principal payments despite this notice on their statement : " When making early loan payments or payments greater than your 'Regular Payment Amount, ' your principal is reduced and a credit shows toward your next month 's payment. By continuing to make payments in excess of your 'Regular Payment Amount, ' you effectively reduce your final payment or shorten the term of your loan. '' This notice is also on the statement : " Excess Principal Payments : Making payments in excess of the Regular Payment Amount will have the effect of reducing your final payment or shortening the term of your loan. Payments in excess of the Regular Payment Amount will reduce principal and show as a credit to your next months payment. '' Their loan agreement also states : " Your Finance Charge, Total of Payments, and Total Sale Price will be more if you pay late and less if you pay early. You may prepay. You may prepay all or part of the unpaid part of the Amount Financed at any time without penalty. If you do so, you must pay the earned and unpaid part of the Finance Charge and all other amounts due up to the date of your payment. '' When I called Customer Service to address the issue, I was told they get calls every day about this ... but do not change their behavior or literature. The representative said extra payments must be sent to another, undisclosed address to be credited properly. She offered to retroactively credit interest assessments going back 6 months but no further... costing me {$50.00} in needless interest. I've asked for my case to be escalated and intend to ask that my payments outside their arbitrary period be credited properly. 

Honda Financial Services knowingly continues to take advantage of their customers every day with this dishonest practice.
Product: Debt collection

THE COMPANY, ENHANCED RECOVERY COMPANY LLC PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term " Bureau '' means the Bureau of consumer Financial Protection. XXXX, XXXX, XXXX and XXXX are assumed to be credit bureaus and there is only one Bureau and that is the Consumer Financial protection Bureau. On XX/XX/1933, congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " whereas '' the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency are inconsistent with the declared policy of congress in the payment of debts. This resolution declared that any obligation requiring " payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( e ). The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such information.