23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am being sued by Midland Credit Management for {$740.00}. {$300.00} more than I owed on the XXXX XXXX XXXX card because I stopped being able to pay when XXXX first hit and I was laid off with a small portion of my already low pay in XXXX. They were supposed to stop adding fees on during that time but now I am being sued for {$740.00} + an extra payment of {$230.00} in court costs, when we havent been to court yet. They paid XXXX on the dollar for this debt and it is shameful and certainly unlawful they would go after me for so much more. I never received a notification of the debt prior to them suing me.
Product: Checking or savings account

Navy Federal engaged in unfair acts or practices in violation of the Consumer Financial Protection Act of 2010 when it charged overdraft fees on debit-card purchases and ATM withdrawals when consumers accounts had insufficient funds at the time the transactions settled even though they had sufficient funds when they made the transaction. Navy Federal knew members were not likely to understand these unanticipated overdraft fees. The Bureau also found that, through XX/XX/XXXX, Navy Federal engaged in unfair acts and practices by charging overdraft fees when it delayed in posting credits to members accounts from funds received through person-to-person payment networks, even though those funds appeared to members to be available for immediate use.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal notice and demand for immediate action regarding multiple inaccuracies on my credit report, which you have negligently allowed to tarnish my financial reputation. Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ) and 623 ( 15 U.S.C. 1681s-2 ), I am exercising my right to challenge and demand the correction of these inaccuracies XXXX. I XXXX XXXX XXXX have listed below the item being disputed : XXXX which is a Student Loan which has never been past due but yet has been reported past due and impacted my credit score.
Product: Debt collection

Southwest Credit Systems at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX has been sending me collection notices in the amount of {$190.00} the collection has been reported as unpaid balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature nor did they receive my consent for services.
Product: Checking or savings account

My account was frozen after I received a wire transfer from my fidelity Ira account into my checking account. I tried to withdraw money from my account after wire was processed and was not allowed to by branch manager. When I complained to branch manager hold was put on account for suspicious activity by branch manager. Funds frozen
Product: Credit reporting or other personal consumer reports

on XX/XX/year> a letter was sent to transunion advising there were some incorrect personal information and they have yet to process my request.
Product: Debt collection

I disputed a debt with National Credit Systems through the credit bureau for {$4000.00} which was opened back on XX/XX/18 due to the fact that I never signed or had any agreement with NCS nor was there any information provided that my information would be shared or sold to them for collection. I never gave consent to this written or verbally. I requested to see this information and none has been provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1 FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
2. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
13 FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 4. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Im reaching out to file a formal complaint against XXXX XXXXXXXX XXXX regarding their ongoing reporting of incorrect information on my credit report. Despite my efforts to dispute an inaccurate account ( Account Number : XXXX ) multiple times, they have failed to fix or remove these inaccuracies. This misinformation has been damaging to my credit score and creates a false impression for potential lenders, which could hurt my financial future. Ive contacted both US BANK and the credit bureaus repeatedly, but no resolution has been reached. Its incredibly frustrating to see this issue persist despite my attempts to address it, and its causing unnecessary stress and financial harm.
Product: Money transfer, virtual currency, or money service

I made a {$300.00} purchase of XXXX on Coinbase. ( My daily max buy limit was {$11000.00} ) received a confirmation of {$30000.00} transaction. Called and emailed Coinbase immediately to notify the amount was to be {$300.00}, not {$30000.00}. Received an email that it was canceled due to insufficient funds. Coinbase then increased my daily purchase limit to {$35000.00} and charged my bank. I was negative XXXX and savings account drained. XXXX bank reversed this. Coinbase is threatening to sell all my assets to cover this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been looking for a mortgage and have multiple inquiries, many within the 45 day time frame, but they are from different sources. Now I have a poor rating in hard inquiries. No one will correct this issue and I will have to put up with this lower score for 2 years until they are charged off. Please make them clean up my hard inquiries.
Product: Bank account or service

Insufficient fund on my account which a stop payment was issued and approved with the bank I reported to the federal reserve today.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's Handling or Disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle Numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. they informed that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This is lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

I paid of my mortgage to Ditech on XX/XX/2016. On XX/XX/2016 they debited my checking account for {$1500.00} for my regular payment. I called Ditech and demanded they return my money. After several calls they refused to return my money immediately and told me they would issue a refund in 30 days. If I had taken their money and held it hostage for 30 days I would be in jail. The took the money by ACH transfer because I had set up automatic payments but the account was paid in full by wire transfer and closed on XX/XX/2016. 
I want my money returned immediately. But if not and there are no consequences for Ditech, I want to know if I can do the same thing and that nothing will be considered illegal or theft. 
Thanks, XXXX XXXX
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 : XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$5000.00} XXXXXXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$920.00}
Product: Credit reporting or other personal consumer reports

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : 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  Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I tried to open a business account from Bank of America. I was informed an account was closed in 2007 and could not provide me any details as to why. 

The representative informed me, they don't have the data and could not provide me any details on the outcome of the closure. I very concerned as to why I don't recall any closure from over 14 years ago.
Product: Bank account or service

I received XXXX different checks and while waiting to see if they would clear they put a stop payment on it. It made my account go way negative and what do you know, wells Fargo made it to where you could only send direct deposit. They took my XXXX check and I have had to go without for a whole month. You figured that they knew what happened and closed the account for me, that they would 've abided by the law and not take my whole payment. I have this in progress as a nasty complaint.
Product: Credit reporting or other personal consumer reports

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud.XXXXX 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: Payday loan, title loan, or personal loan

I have 16 payday / installment loans. I live in the state of Illinois. I was not aware that, by law, I should not have been allowed to have more than three & that they should not total more than 22.5% of my income. Why 16 loans?  Because I was constantly trying to catch up one loan with another, thinking that once I brought the one down, I would be able to take care of the new one. Well one led to another and then another, all at astronomical expenses to my wallet. I recently found my checking account in the negative, because I just plain and simply could no longer handle the juggling act. I need help. I didn’t even realize that I had 16 loans, until I really began trying to get to the bottom of my financial crisis. Is this legal for companies to continually extend loans to me, without verifying whether or not I was at the maximum loan amounts for the state of Illinois? How can I get all of this debt off of my back? Is there help out there for my situation?
Product: Student loan

Discover Student Loans continues to call me multiple times on a daily basis when I'm sleeping. I've already told them not to contact me. This is harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX  Account number XXXX has violated my rights. 

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
Product: Credit reporting or other personal consumer reports

I am writing to convey my deep annoyance and dissatisfaction with how your bureau has managed my identity theft disputes. Despite my repeated attempts to resolve this issue, I have encountered a frustrating lack of responsiveness and action from your side. As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized accounts and transactions appearing on my credit report. I reported these fraudulent activities to your bureau and submitted all the necessary documents and detailed explanations, to substantiate my claims and establish my innocence. However, it has been an exceptionally long period since I initially raised these disputes, and I have yet to receive a satisfactory response or resolution. This delay has not only caused me considerable stress but has also resulted in tangible negative consequences for my financial well-being. I have encountered denied credit applications, higher interest rates, and relentless harassment from debt collectors, all stemming from inaccuracies on my credit report. XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Please remove these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following unauthorized hard inquiries:

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Received Alert for my credit bureau alerts stating I have an open account and failed to pay to XXXX. I closed my account with XXXX and due to previous collection tactics I was told to deal straight with XXXX phone serivce due to previous problems with collection shrewed tatics, threating court ect. I have been in communications with XXXX XXXX paying the last balance of my account which is XXXX. I 'm was confused when I received an alert from my credit montntoring agency that states that Convergent Collections indicates that they have been attempting to collect a debt in which I never received correspondent especially since I have been dealing with XXXX and paying by check. In order to report to the credit bureaus of XXXX, they must show that they have been in contact with my debt in an extensive time, I fails to make any attempt to pay my debt, which is crazy cause i have a check for last months agreement of XXXX cashed out by XXXX. I have no written correspondence from Convergent or any contact with any rep, or even a written correspondence to dispute any amount. Under fair credit reporting jaw can you submit to XXXX Credit bureau without any documentation, phone call or any correspondence and then report on my credit without any written correspondence. Under fair credit reporting is is unjustifiable, especially since I was and have paid a whole XXXX balance and have been speaking to XXXX even when they reported this to XXXX credit bureau.
Product: Debt or credit management

I hired Lexington Law on two separate occasions over the past 10 years to provide credit repair and counseling. I paid a monthly fee for the services, but my credit report did not change. The company Lexington Law received monies for services not renderedfalse advertisement.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered some inaccuracies and discovered fraudulent accIn accordance with the Fair Credit Reporting act, these Accounts being reported have violated my rights. 15 U.S.C. 1681 section 602 A States I have the rights to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
Delete this account : XXXXXXXX XXXX XXXX XXXXXXXXXXXX T HERE ARE SOME UNAUTHORIZED INQUIRIES ALSO
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal credit report was compromised .. I did not allow any of these companies to check my credit report. Inquiry done is illegal and must be removed from my credit file. Given the growing cases of identity theft, I'm sure you'll agree with me that if failure to verify such inquiry needs to be stopped. Please remove 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent wire to XXXX for {$7600.00} the correct XXXX code and account number was indicated on the transfer but there was a descrepancy with the recipent name so the money was not credited to the account. I went back to the bank and personally sopke to the manager who processed the wire transfer and she informed me that she sent an email to the wire transfer department to correct the name and she will call me later with a confirmation number. I never received a call back. Since time was of the essence I spoke to my attorney and initated another wire transfer for the same amount with the correct name on XX/XX/XXXX. The second wire transfer was also successfull received but was not credited to the account. 

I contacted the bank on XX/XX/XXXX to find out about my funds and the representative informed me that the first wire transfer was correctly credited to the intended account and a refund was issued for the second wire transfer and I will see a credit on my checking acount within 9 business days. No credit was issued. I called the bank again on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Everytime I called I was given a different response and was told that they are waiting for an answer from the bank in XXXX who did not get back to them. The receiving bank, is the same as the sending bank
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue s regarding FICO! The XXXX XXXX XXXX is reporting a lower credit scores than deserved for my credit criteria. Advantage credit scores are normally lower than FICO. FICO is reporting lower scores that the Advantage system. I addressed problems with them directly for all three credit bureaus XXXX, XXXX, XXXX  Experian. I have zero late payments on my account history. I have only XXXX collection account on each bureau which needs to be removed and corrected. I have hired XXXX attorneys, XXXX Credit repair companies, send documentation and contacted you several times about my credit profile reporting wrong info and lower credit scores because of this. I was so upset I called them a credit XXXX. Because of the blatant disrespectfulness in ignoring the attorneys, lying to the CFPB, and utter disregard for timely handling the account with great digression within 30 days allowed based of the Fair Credit Reporting act. They refusal to be cooperative with removing and correcting errors and no disregard for how there actions have impacted me personally. I want this infringement corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items 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. 
XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX  XXXX XXXX Balance : {$0.00} CXXXX 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 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 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 XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}. I'd appreciate it if you could update or correct these reporting accounts as soon as possible. If you don't comply with the request, the accounts should be repaired right away.
Product: Vehicle loan or lease

Capital One reported ( XXXX ) separate hard credit inquiries on each of my XXXX major credit reports ( XXXX, XXXX, and XXXX ) although I was already pre-approved for financing by Capital One prior to the dealership filing a credit application. The agreement I entered into with Capital One at the time of pre-approval confirmed that a hard inquiry would occur only if decided to open the auto loan with Capital One. I ultimately decided to open my auto loan with XXXX XXXX and though the terms of my pre-approval had already provided me the interest rate, monthly payment and down payment for the selected car, my credit was ran a total of XXXX times across XXXX different reports, none of which I authorized.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and to my surprise I seen that I am a victim of identity theft I see numerous fraudulent accounts on my credit report.Remove them promptly these accounts are hurting my ability to get credit. 

XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX