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

Fifth 3rd Bank was my bank for many years, and I finally closed my account in XXXX after many years of wrongly being charged for insufficient funds when I actually had the money in my account. This bank does not follow first in, first out guidelines when paying out my funds. They pick and choose which checks they honor, not based on when the checks get processed, thereby causing overdrafts in large numbers. For the year XXXX, they charged me over {$2000.00} in overdraft fees. They also several times held my deposits for over 2 weeks citing the reason being that I had excessive overdrafts! 
I was so upset over the fees in XXXX that I didnt look up the fees for XXXX or XXXX, but even if they decreased by half, that is still a total of {$4000.00} over just 3 years! The reason I didnt close my account earlier is that I got ill and had to concentrate on my health, and as well, I had all my bills attached to Fifth 3rds automatic bill pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  & XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, 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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, *Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Mortgage

This complaint is related to previous complaint submitted on XX/XX/2016. Case # XXXX. Incorrect adjusted credit bureau reporting for the month of XX/XX/2016. All other months in XX/XX/2016 are reporting correctly, but the month of XX/XX/2016 is incorrectly reporting 60 days late. XX/XX/2016 should only be 30 days late.
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 Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this 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 XXXXXXXX XXXX and XXXX XXXX XXXX.
Product: Checking or savings account

My attempt to wire funds from my Bank of America checking account to my XXXX XXXX investment account has failed 5 times. Not only has the inability to populate my investment account with funds amounted to a loss of money, I've been charged {$50.00} for each failure. In my attempt to remediate this repeated Bank of America error, I was speaking with a BofA customer service representative the 4th time I attempted to wire funds. That representative told me the wire I had created would fail because of incorrect information. As such, I asked the customer service representative to make the necessary changes to facilitate the success of the wire transfer. The customer service rep made the specified changes, the wire still failed, and I was charged {$50.00} for another Bank of America error//mistake. As I was still determined to facilitate wire transfer success, I went to the nearest Bank of America branch and asked a Bank of America employee to make the wire for me. This amounts to the 5th wire failure. The employee did make the wire transfer for me. Again, it failed and I was charged {$50.00}. I completed and filed complaints with the Bank of America regarding the 4th and 5th failures ... and asked to be refunded for their repeated errors. Bank of America denied my refund. I'm unable to wire transfer funds to my investment account. As such, I've lost out on earning thousands of dollars. Not only am I unable to transfer funds to my investment account, Bank of America repeatedly charges me for the same ridiculous mistake they continue to make. 

This miserable and costly mistake they repeatedly make comes after a worse and shocking error. Bank of America removed all funds from my account. As such, I visited the local branch to attempt to remediate it. I was told that the Social Security Administration reported me dead ( I assume that was a scam that Bank of America did NOTHING to validate ). One would think that Bank of America would attempt to contact me prior to removing all funds from my account but they did not.
Product: Credit card

Citibank sent me an unsolicited debit card expiring in XXXX with the PIN in the same envelope. That was extremely risky and likely to generate problems for many senior citizens like myself. Should anyone steal that one letter, they could generate a debt to me without my prior knowledge. I don't think banks should be allowed to do that under the law.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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: Debt collection

I had a procedure performed at  XXXX   XXXX  in  XXXX  Ohio in late  XXXX  of  2016.   I offered to pay the bill at the time and I was told that I did n't need to at the time because I have insurance. The next month we moved to a new temporary address as our home was sold and we were waiting for our new home to be built. We had our mail forwarded properly with th e USPS  with each move. We never received anything from  XXXX   XXXX . In  XXXX  of  XXXX  I received a phone call from a collection agency named  Choice Recovery. I told the collector that I never re ceived or a bill or a phone call about the bill. I immediately contacted  XXXX   XXXX  and paid the bill over the phone. In  XXXX  of  XXXX  I received a collection notice form  Choice Recovery  that I owed them a collection fee. I never received the bill, yet I was expected to pay a collection fee. The office  manager  at  XXXX   XXXX  refused to take or return my calls. I recently applied for a loan and had to pay higher interest because  XXXX   XXXX  has placed late and collection fees on my credit report throu gh Choice Recovery. The   same debt is on my credit report 2 times. I am certain this is a violation of the FCRA.
Product: Credit card or prepaid card

I ordered a sweater from XXXX  on XX/XX/XXXX. Total purchase price was {$76.00}. I received the sweater on XX/XX/XXXX. The style was not what I expected, so I returned the sweater within a week. I waited for the return to be credited, but it never was. I finally called the customer service number on the back of my card on XX/XX/XXXX, and was credited the full {$76.00}. However, since it had taken XXXX  so long to process my return ( I'm not sure they even would have had I not called ), they dinged me with a {$32.00} late-payment fee. I called and asked them to wave the fee. At first they refused. When I told them to cancel my card, the customer service agent stated that he would speak with a " retention specialist '' and put me on hold. When he returned to the line, he told me that the retention specialist had agreed to waive the late fee if I agreed not to cancel my card. I agreed to those terms and asked him specifically if my card balance was now XXXX. He affirmed that that was correct. 
On XX/XX/XXXX, I received a credit card statement from XXXX XXXX showing a balance due of {$73.00}. When I called to inquire about the charge, I was told that I was being charged the {$32.00} late fee from the previous month, plus an additional {$41.00} as an ADDITIONAL late fee, plus {$1.00} in interest. I explained what had transpired and how my balance was supposed to be XXXX. I refused to pay the {$73.00}. The agent I spoke with stated that she could waive only one of the late fees, IF I retained my credit card account, and that I would have to pay the balance. I reminded her that the situation was based on her company 's error, but all she would say was, " I apologize, '' and refused to waive the entire amount. I was not interested in being fooled again, so I asked her to cancel my credit card, which she did, without refunding me any of the bogus charges.
Product: Credit reporting or other personal consumer reports

I had an upgrade loan being used for debt consolidation. In XX/XX/XXXX I was approved to make lower payments for 6months due to a hardship and was told as long as those payments were on time it would report positive standing which I did by having the payments on autopay drafting on the due date the XXXX of each month. I paid off my loan in full XX/XX/XXXX 1 month before the final payment in the installment was due and it incorrectly reported 5 late payments even though I was never late. I contacted UPGRADE and they advised they were aware of error and would fix it within 45-60days. I've called multiple times and each time they verified it was an error and confirmed no late payments, they provided an email confirming there was an error and updated XXXX and XXXX to reflect the correct payment history, but XXXX is now showing 90day late payment. The negative/incorrect reporting has been very damaging to my credit, and I don't understand how it could continue be updated incorrectly. I feel I am being finished for doing the right thing and paying off a debt early because of the really high payments and interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has paid the Credit reporting agencies to report a collection on my consumer report. I was never sent any information to challenge the validity of the alleged debt. This has damaged my credit and has caused me to be denied extensions of my credit and caused me to pay higher interest rates and fees. I did not consent to contract with this company nor do they have permissible purpose to have my information which could be considered fraud and identity theft. This account is showing as an open collection and has Covington Credit as the original creditor which I also have no contract with.
Product: Credit reporting

Credit reporting agency fails to contact me after writing e-meails to them and calling them daily
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were Accounts : XXXX XXXX  XXXX, XXXX XXXX  XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : XXXX and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Bank statement, Passport ID and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Transunion not blocking these accounts is inadvertently resulting in me being extorted.
Product: Credit reporting or other personal consumer reports

Hello, This my final warning that I have explicitly explained to you these items are not accurate and not complete and you have continuously keep reporting them.

I have read under FCRA, 15 U.S.C 1681 Section 604 A section 2 : it states a consumer reporting agency can not furnish without my written instructions 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; 15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

18 U.S. Code 1028A - Aggravated identity theft ( a ) Offenses.

( 1 ) In general.

Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person.

In addition, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alle
ged identity theft, not later than 4 business days after the date of receipt.

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY XXXX XXXX XXXXTrue Accord XXXX
Product: Credit reporting or other personal consumer reports

Per the privacy act of 1974 credit reporting has been violated the uploaded letter is advising that The XXXX  Bankruptcy Court, XXXX XXXX of California does not report information to any credit reporting agency
Product: Debt collection

I am filing a formal complaint against General Motors Financial Company , Inc. ( GM Financial ) for engaging in illegal debt collection practices, violating federal consumer protection laws, and unlawfully repossessing my vehicle after debt cancellation. 

Summary of Events : Debt Cancellation via XXXX ( XX/XX/XXXX ) On XX/XX/XXXX, GM Financial issued a Form 1099-C canceling my debt and reported it to the IRS. 
Under 26 CFR 1.6050P-1, once a creditor issues a 1099-C, the debt is legally discharged, and the creditor is barred from further collection efforts.

Illegal Collection Attempts & Payments Taken After Debt Cancellation Despite the 1099-C issuance, GM Financial continued collection efforts, falsely representing that I still owed the debt. 
GM Financial continued to demand and receive payments from me after XX/XX/XXXX, in direct violation of federal law. 
Unlawful Repossession ( XX/XX/XXXX ) GM Financial unlawfully repossessed my vehicle on XX/XX/XXXX, even though the debt had already been canceled. 
I was charged {$2500.00} in repossession fees for a vehicle that should have never been repossessed. 

False Credit Reporting Violation of FCRA GM Financial wrongfully reported my canceled debt as active on my credit report, damaging my credit score and causing financial harm.

Federal Laws Violated by GM Financial GM Financials actions violate multiple federal statutes, including : Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e It is illegal for a creditor to engage in false or misleading collection practices.

GM Financial falsely represented the canceled debt as still due.

Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 Creditors must report accurate information about an account. 
GM Financial wrongfully reported my canceled debt as active. 
26 CFR 1.6050P-1 IRS Regulations on Canceled Debt Once a 1099-C is issued, the debt is discharged, and collection is illegal.

GM Financial violated IRS regulations by continuing to collect and repossess my vehicle.

Uniform Commercial Code ( UCC ) 3-604 Breach of Contract A 1099-C constitutes voluntary cancellation of a debt.

GM Financial violated contract law by attempting to collect after canceling the debt.

Uniform Commercial Code ( UCC ) 9-610 Illegal Repossession A creditor can not repossess collateral ( a vehicle ) on a canceled debt. 
GM Financial wrongfully repossessed my vehicle on XX/XX/XXXX. 

Harm Suffered Financial Loss : I was forced to pay for a debt that was legally canceled and pay {$2500.00} in repossession fees for an illegal repossession. 
Credit Damage : GM Financials false reporting of my canceled debt harmed my credit score, affecting my financial standing.

Emotional Distress : The stress and anxiety of dealing with unlawful collections, an unjustified repossession, and false credit reporting have caused significant distress.
Product: Credit reporting or other personal consumer reports

I have no liability to XXXX XXXX XXXX for they are a third party debt collector and I have contract no with them. XXXX XXXX XXXX brought the debt from XXXX in which the debt would had to have been charged off. A charge off is considered income and income can not me reported to credit report because it turns into a certificate of indebtedness. I would like XXXX XXXXXXXX XXXX to provide me the direct contract between them and XXXX showing that they are authorized to collect for XXXX and they are not a company that just brought a debt. They have also violated the Privacy Act of 1974 and 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I was never given a notice or a way to opt out of XXXX XXXX XXXX, Transunion, XXXX XXXX XXXX reporting this to my credit report.
Product: Credit reporting or other personal consumer reports

XXXX has been consistently delaying the status of my current background check with no merit whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is fraudulent XXXX XXXX {$73.00}
Product: Credit reporting 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX Balance : {$9100.00} XXXXXXXX XXXX XXXXXXXX Balance : {$9100.00} XXXX XXXX XXXXXXXX Balance : {$9100.00}