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

I was charged an overdraft fee on a checking account which I setup not to accept charges when money was not there. The XXXX bank funded XXXX charges it should not have them accepted a third and then decided to charge me an overdraft fee. XXXX of the charges were not supposed to have happened and I still got charged the XXXX fee. I was the fees returned to me and the stupid account setup to reject any transactions which could cause it to become overdrawn.
Product: Credit card or prepaid card

well I paid the minimum balance due before the due date on XXXX XXXX the bill was due XXXX XXXX and for some reason Capital one buy back credit card reported to the credit bureaus my payment was late when I paid the minimum balance before the due date on XXXX XXXX the amount of {$60.00} and when I called to speak to a Rep and then there supervisor they stating I can not due that I've paid on this card before early and never ran into this problem before so this needs to be investigated because no where in the terms of conditions does it state if you pay your minimum balance early you won't be charged a late fee.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the failure of the credit reporting agencies ( Equifax and XXXX ) and the debt collector [ XXXX XXXX XXXX ] to verify disputed information on my credit report, as required by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 



On XX/XX/2023, over XXXX0 days ago, I filed a dispute regarding : XXXX XXXX XXXX Account Number : XXXX on my credit report. As per FCRA 1681i ( a ), the credit reporting agencies are required to conduct a reasonable investigation and respond within 30 days. Additionally, under FDCPA 809 ( b ), the debt collector is also required to provide verification of the debt upon request. It has now been 77 days, and neither the credit reporting agencies nor the debt collector have provided any verification or response regarding the disputed item. 

The presence of this unverified information on my credit report and the failure of the debt collector to verify the debt have adversely affected me i invested XXXX on a business and currently trying to get it funded and because of there action I'm missing on a XXXX funding process because i keep getting denied. 

According to FCRA 1681i ( a ) ( 5 ) ( A ), if the credit reporting agencies are unable to verify the disputed information within the required timeframe, they are obligated to delete the item from my credit report. Furthermore, under FDCPA 809 ( b ), if the debt collector can not verify the debt, they should cease collection efforts. Given that it has been 77 days without verification from either party, I am requesting the CFPBs assistance in ensuring that the unverified information is removed from my credit report and that the debt collector ceases collection activities as mandated by federal law.
Product: Checking or savings account

Beginning XXXX, XXXX up to and including XXXX, XXXX, the Bank charged my checking account a Client Analysis Fee that I never agreed to neither was I consulted about ( See Exhibit 1 ). In addition, the Bank, for same period, charged me the regular service charge, to which I agreed ( See Exhibit 2 ). The so-called Client Analysis Statement is a fraud designed to deprive customers of their funds in order to increase the Bank 's profit ability. I wonder how many customers have been subjected to this fraud. It's important to investigate and rectify this situation.
Product: Debt collection

XXXX late medical bills for which my wife was the patient were posted to my Credit repot. The debt collection agency Was Grant Mercantile in XXXX, Ca. The billing medical facility was XXXX XXXX XXXX of XXXX, Ca. and XXXX XXXX XXXX of XXXX, Ca. My Name is XXXX XXXX. The items on my credit report were # XXXX and # XXXX. I understand that myself and my spouse are XXXX family unit and responsible for each others bills. However outstanding bills from my wife 's medical treatment should be posted to her credit report.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$550.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$370.00}
Product: Prepaid card

I recently filed XXXX claims with Bank of America claims division. After passing policy for time length to investigate and respond, the bank denied my claims. I followed up with submitting documents to support my position that I was never present or had any knowledge nor approved such fraudulent transactions to occur on my account. The documents where supposedly reviewed and taking inconsideration, but once again denied. My documents I provided show that I was legally retained and in custody at the time of all such transactions, and being held in the California Department XXXX XXXX had no ability to have any communication with any one period. The bank stated because additional cards, XXXX additional to be exact, were mailed and activated using my credentials, therefore I approved or had knowledge of and was once again denied. There proof when asked that I had knowledge or received the cards, was XXXX pages document one explaining the claim denial ad second page with XXXX sentences stating what I just mentioned above. I submitted more than proficient about of proof supporting my claim and have more legal documents if needed, yet there proof to what information was obtained and used in the investigation was partially and insufficient. I feel that not proper methods of investigating and evidence or lack of was used to deny my claims and is an excuse to not refund my money which bank of America allowed to ve stollen and used. Please help reclaim my XXXX .us dollars.
Product: Credit reporting or other personal consumer reports

For over the past many years. I Have been going by the book on XXXX  to go about ID-Theft/Data Breach, I am Now to a point where something needs to give, because now my XXXX XXXX XXXX daughter name is now coming to me in the mail ( NOT FAIR ), the first of the data breach letters. I want instant justification. I been looking sue Someone /Companies, I have done IDtheft.gov., I have made police reports. I am even willing to go in as my own lawyer as I do understand what is at hand here. I AM Unable to get anywhere or ahead or even get my business going due to all this credit report and false Information. It has now been 10 years dealing with this matter and on ways on how to come up in life.
Product: Money transfer, virtual currency, or money service

My account freezed for 180 days
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, Its auto services on my XXXX report. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX On XX/XX/2019, on my XXXX report also hard pulls, XXXX XXXXXXXX twice, XXXX XXXX, XXXX  XXXX I dont understand how they get on my credit report I never approved or signed anything I dont have nothing from these people saying they running my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

JP Morgan and myself came to an agreement and have a payment plan in place, lates are invalid during pandemic
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my official request to have the listed account investigated and removed from my credit report. The account is listed as open and late but is in the collection.

Enclosed may be additional evidence to support my claim. 


Sincerely,
Product: Credit reporting or other personal consumer reports

I obtained my transunion credit report and found XXXX unauthorized/fraudulent inquiries. From January 17-XXXX XXXX  I obtained my XXXX credit report and XXXX XXXX unauthorized/fraudulent inquiries. From XX/XX/2025I obtained my Experian credit report and found XXXX unauthorized/fraudulent inquiries. FromXX/XX/2025
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX/XXXX  XXXX  on XX/XX/XXXX ( Reported Identity Theft ) I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ).

2. My Current Address is ( XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful XXXX. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.
Product: Credit card or prepaid card

I chose the Capital One Savor card to get 4 % back on tickets and food/dining as these are my main expenses. I have used the card for years to buy tickets and spend on restaurants as advertised. I received mail and email that said my account is closed because it is inconsistent with typical consumer usage. I tried to call and fight, and they said wait 10 days for the letter in the mail. The letter is non-descript and just says " inconsistent with typical usage ''.
Product: Checking or savings account

They are telling me I'm not allowed to use an external application to access my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Corrections : XXXX XXXX ( Reported 'Open '' on XXXX yet 'Closed ' on XXXX ) Please delete account or provide Method of Verification XXXX XXXX ( Please delete account or provide Method of Verification ) XXXX and XXXX fails to report Account Type Both are FCRA violations
Product: Debt collection

I called Alliance Once to check on my debt, they identified me, but did not complete the mini-miranda. Instead of finishing it, XXXX XXXX said something along the lines of " and you know ''.
Product: Checking or savings account

On XX/XX/2022, a staff named XXXX called me from Cathay Bank regarding my account, the balances inquiry, etc and the rep told me he will send me the detailed bank statements, saying that the bank has some returned items from the post office and wanted to know if my address was correct. I gave him correct address and he hung up on me. After few minutes I tried to log back in my account, and was unable to as I was locked out. 
I called the bank again and they would not tell me why I am unable to log in. 
Then I tried calling their back office line, and someone named XXXX told me that my account has been closed by XXXX. I was totally surprised and horrifed! I literally just spoke to him and he never mentioned to me that my account has been closed. XXXX then transferred my call to XXXX at XXXX branch of Cathay Bank, he told me that due to my nationality and amount of balance in the account, they decided to close my account, and this bank is just for XXXX /XXXX  XXXX. I was shocked! 
I just couldnt believe it. I also asked about my balances not correct and wanted to see my bank statement, he declined, XXXX told me he can not send me the bank statements. I strongly feel like this bank is hiding something, not been forthcoming and very unprofessional!. I would like to see my bank statements and the balances in the account was incorrect, the bank is owing me money which they are refusing to pay back to me. 
The bank owes me around {$2000.00}
Product: Mortgage

Our complaint is against CitiMortgage and their legal representation the law firm of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, OH. XXXX. 
InXX/XX/XXXXwe started a mediation process with the legal firm trying to say our home from foreclosure. Without success. 
In XX/XX/XXXX we were served papers telling us to leave the home that it was going to be sold at sheriffs sale. 
We vacated the home found a property that moved into under a land contract agreement with the understanding that after three years we would be able to purchase property as is the required amount of time to wait after a foreclosure. we also put a down payment of {$14000.00} over a 3 year period as well at {$1300.00} per month rent. 
We waited our 3 years out and applied for a loan to find out the Citi had taken our foreclosure off the sheriffs sale website, because they had listed the previous owners of our old property as party of interest. 
Correct me if I am wrong but once we purchase the home in XXXX the previous owners gave up all rights to the home. As we had purchased a mortgage. 
The attorneys representing Citi had listed previous owners as parties of interest in our property and had found out that in XXXX XXXX the grand-daughter of the previous owner had filed chapter XXXX therefor ordering a withdraw of sale. 
Citi set on the property from XXXX XXXX till XXXX XXXX with not movement. They eventually released property for auction at which time title was transferred to new owners XXXX XXXX. Leaving us in position of waiting another year to be a able to purchase another home under FHA guidelines. 
We are now out of contract with our current home and the seller has increased the sale price and we our out the {$14000.00} because we failed to obtain financing, because of that three year wait period. 
I have compiled all documents pertaining to our foreclosure and how from the very beginning of the mediation process to the final sale to new owner Citi and their counsel have miss handled this case, simply by including previous owners in the process. 
I have spoke to legal counsel, XXXX county recorders office, chapter XXXX  office, XXXX county common pleas court, numerous FHA lenders, FHA ( to find out if they had a cavious report, which they have no record of ), representative of the law firm that represented Citi, ( which the response I received from the was, " we do n't have to give you free legal advise '' ), and proceed to hang up on me, XXXX XXXX XXXX that handled the close of our home back in XXXX and their in house legal counsel. Everyone I have spoke with has stated that this is a colossal mess and all stems back from Citi including the previous owners in OUR foreclosure. 
I would like action against Citi and their legal counsel.
Product: Debt collection

XXXX XXXX XXXX billed my insurance and the insurance paid the claim and informed me I owed {$0.00}. XXXX continued to bill me for {$540.00} and I informed them of the insurance decision that I did not owe any money. The placed me with XXXX XXXX XXXX The collection agency did not contact me in any way they simply put a delinquent mark on my credit. When I found this out I made attempt to correct their information and was unsuccessful. I finally paid the bill as a nuisance to clear up my credit. 

This is a fraudulent action on both the Ambulance company and collections agency that amounts to extortion
Product: Money transfer, virtual currency, or money service

On or about XX/XX/XXXX I purchased a refrigerator, supply lines, oven and power cord for a total value of {$2100.00}. Upon delivery, I retuned the oven and was issued a refund per XXXX for the oven and power cord ( {$740.00} ) and on XX/XX/XXXX I discovered XXXX had overcharged me for an ice supply line and again issued me a second refund ( {$20.00} ). I had damages on the refrigerator and XXXX compensated me on XX/XX/XXXX for {$150.00} which DID show up in my Paypal account as a refund. The {$740.00} and {$20.00} never did. I filed a formal complaint with Paypal as XXXX provided me receipts with transaction ID 's in order for Paypal to trace the refund. 

On XX/XX/XXXX Paypal issued me a provisional credit while my case was being investigated. Paypal issued a notice to repay that provisional credit XX/XX/XXXX and simply stated on my case that the seller agreed to refund. I contacted XXXX and they again stated that they were not responsible for this and that Paypal needed to issue the refund because the transaction processed per XXXX. 

I have again reopened the case with Paypal and have an open case with XXXX. I can not get these two companies to communicate with each other to determine where the processing error occurred and why the one refund ( {$150.00} ) processed where the others did not.
Product: Credit card or prepaid card

There actually wasnt the correct scenario that I could find but this one was the closest. Back in XXXX of XXXX I had to have some teeth removed. It was an emergency as the XXXX was going into my bloodstream. I went to XXXX XXXX which had a credit program I was provided for the amount of the service which was XXXX. I was approved for a XXXX credit limit but opted to use only what was needed. After that I kinda fell behind as you know Covid was surging, I am a single mom of kids so whenever one would get sick I had ti miss work etc. So, then account hit my credit. At that time I was struggling to make ends meet however, trying ti keep my credit up at the same time because it was the only thing I could rely on if need be. So I reached out to them to begin making payments. So around XXXX of XXXX I reached out to them the amount was XXXX and asked if they could remove two late fees, they did and it took my amount down to XXXX. At that time I begin making payments at XXXX. Making my payments and the amount is going down. I was making extra XXXX payments as well to get my balance down quicker. I have receipts and everything of these transactions. Then one day I look and see the balance is higher then it should be so I contact them and spoke to them, spoke to three different managers at this point that assured me they would take care of it give them a week so I did and nothing. I called back speak to another manager she digs in to my account and says well this doesnt make sense I cant see where this charge is coming from because you are making your payments as well as extra payments. Still didnt fix it, so I made another payment at the XXXX plus my extra XXXX. Then the next bill comes out and my amount due is significantly higher is like XXXX dollars and Im like no way, what is going on so I reach out to them yet again. Nobody can find whats wrong, they say give them a week and they will call me back for them to investigate. They told me not to pay for the month of XXXX so I didnt and then the next payment would be due in XXXX. XXXX rolls around with this high payment due of XXXX and they tell me its because of two of the first payments I missed. I told them they couldnt do that because the original amount that was due when it first hit my credit was the XXXX and when they took the late fees away it went down to XXXX something and I begin making my payments from there and that was the agreement. All of their calls are recorded and I do not think it is fair because can go back and add payments AFTER we have made a agreement. I need help because this is affecting my life, my credit everything. Please help.
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Reporting Act Equifax has violated my rights. 15 U.S.C. 1681section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. As a federally protected consumer I opt out of ALL authorization. My transaction history has been shared and I do not consent per 15 USC6802. 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my credit report that don't belong to me. please remove .XXXX, XX/XX/2019, XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX  XX/XX/2019, XXXX XXXX  XX/XX/2019, XXXX, XXXX  XX/XX/2019 XXXX, XXXX XXXX  XXXX XXXX XXXX your tution XX/XX/2019, XXXX XXXX  XX/XX/2019, XXXX XX/XX/2019, hdc XXXX im starting to apply for credit and now I have all these inquiries on my report. They stated this was done online and not in person please remove this from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed XXXX XXXX  a collection account on all three credit bureaus the debt got sold to another company and the same dispute for all three credit bureaus and only XXXX removed it from my credit report and not XXXX or Experian and they said it's fair credit reporting act if this is the case then why did only XXXX remove it and not XXXX or experian
Product: Debt collection

I was contacted by phone by Bonded Adjustment Company of XXXX, WA regarding an emergency room bill from 2013 last summer. I had never heard of or received a bill, but I took down the account & company info, told them to talk to my insurance company, and asked them not to contact me. 

I then noticed the info on my credit report, so I sent a request for verification. Luckily I had the account # from the phone call, as that is not on my credit report, so issue 1 is failure to document account info. 

They gave me one address over the phone, had a different address on their website, & a 3rd address on my credit report. I sent a certified letter via return receipt to the online address, which was incorrect, as was the one on my credit report. 

Issue 2 ) do not list correct address Issue 3 ) did not sign return receipt They did respond to my letter within 5 days, but responded to my request to verify the debt from 2013, which they 'd already told me about over a cell phone, while I was in a public space, that they needed ME to verify MY information for the debt they wanted me to pay them and remove from my credit report. 

So a third-party company with no fixed address wants me to pay them a secret amount ( {$1100.00} for an {$840.00} bill ) to remove a negative account from my credit report. They refuse to verify that I owe this amount, despite the fact that they are more than willing to do so over the phone, unless I hand over more information to them.
Product: Checking or savings account

I was told by credit karma that they needed to verify my identity to send my money from the closed checking account. the account was closed XX/XX/. 
Today I have give them documents to verify my Identity they sent e emails conferming this.