23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX talked me into a contract on phone service I did n't want in year 2013 or earlier. They keep billing me and collects payments from me and my payee to a debt collector called Diversified Consultants. They told me I now currently owe them {$710.00}. Also XXXX says I owe them {$120.00} and sent me over to a debt collector just because I no longer wanted there service to XXXX. I feel this is not right because I have no service with any of them right now and they are taking money from me.
Product: Debt collection

Listed Below you will find items reported on my TransUnion Credit report that 1. Do not belong to me, 2. I have no knowledge of this account, 3. Written instructions were not give in in accordance to 15 U.S. Code 1681b ( 2 ). 

- XXXX XXXX XXXX {$700.00} - XXXX XXXX XXXX {$960.00} - XXXX XXXX XXXX {$1000.00} - XXXX XXXX  {$1100.00} - XXXX XXXXXXXX Bankruptcy : Bankruptcy # XXXX - XXXX XXXX Bankruptcy : Bankruptcy # XXXX
Product: Checking or savings account

On XX/XX/21, I deposited a check from XXXX XXXX XXXX, XXXX in the amount of {$8900.00}. Two days later, Chase released the funds and I used this money to lease a new car. On XX/XX/21, Chase reversed the deposit and took all of the money back, stating the check had insufficient funds. 

Chase shouldn't have released those funds if they were insufficient. Furthermore, I've asked them to do a formal dispute with me for this check and they said no. They did say they'll escalate the issue but I have not heard back from anyone at Chase. 

I need help from Chase to dispute this and get the funds back into my account. I believe the person who wrote the check - who is ignoring my repeated requests to re-pay me the {$8900.00} - is committing fraud and I need help.
Product: Debt collection

Called to take care of debt a number of times, myself, then with representative, XXXX XXXX overtalked, yelled and interrupted every single word said. Then hung up on me, a total of 5 times. Asked about settling this OLD debt from 2008, he lied and said that the company does not offer settlements. Block you from talking to others at company, try to bully you into doing exactly what they say with no lip. Above description of issue with company options are limited. Conversations should be monitored and recorded as proof of complaint, we have times and dates called to resolve matter, in which this company did all they could to not resolve this OLD, OLD debt.
Product: Checking or savings account

On XX/XX/XXXX, I made the withdrawals from my funds below. Total overdraft charges were {$72.00} an e-mail notice was not received until after the third day the charges were complete. I did not receive an immediate notification to contact about the first overdraft and prevent the second. Overdraft protection was difficult to find and enroll in, however, I have done this now after calling the bank to request a fee waive of the OD charges. When calling Regions bank  onXX/XX/XXXX. The only refund the bank made was {$18.00}. This leaves me with a {$54.00} overdraft charge.
XX/XX/XXXX Your beginning balance on that date was {$87.00} We received checks, withdrawals and deductions totaling XXXX ... ... ... ... ... ... ... ... ... ... ... ... ...
Check Number : Dollar Amount : Action Taken : OD/NSF Fee Non-check item {$250.00} Item Paid {$36.00} Non-check item {$10.00} Item Paid {$36.00} Total : {$72.00} XX/XX/XXXX Fee Refund {$18.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Debt collection

I called midland credit managment to see what amount I owed as they reported to my credit report on XX/XX/XXXX and the debt said it was 1 year and 6 months old. They stated that last time they spoke with me I said I was going to talk with an attorney and they marked on my account the name of a legal team I have never even heard of. They stated they can not speak to me or give me any information as I have an attorney. I told them that is false and I do not and they refused to help me or give me any info. The manager Got on the phone at my request and refused to help me and stated I had to send a letter to remove the lawyer info. I hung up. I called back and spoke with another representative that let me know the manager had marked my account to not receive any calls.I did NOT request that. He also stated there was a department that can remove the lawyer marking, as the management said that couldnt be done. I believe they have been harassing my account as an attempt to get back at me for who knows what. I would just like to know what debt I have so that I can dispute it and start payments. I have now spoken to 5 representatives and I still do not know my balance and still do not have an attorney as they stated
Product: Credit reporting or other personal consumer reports

I repeatedly called Equifax, finally getting to a live person on XX/XX/2023. I explained that my address was wrong ; thus preventing me from obtaining credit and/or accessing my account. Additionally, Equifax would not respond to TWO PREVIOUS disputes via letter suggesting that my account had been flagged for possible fraud. Upon the advice of Equifax, I disputed my address and they replied that they verified my address despite copies of my the aforementioned credentialing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX. XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # 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: Checking or savings account

I made a withdrawl from my savings account in the amount of {$20.00}, I was assessed a fee after the withdrawal which was back dated obviously. The ATM would not allow me to do a withdrawal if I didn't have the funds available. I do not have a problem with being assessed the fees, hitting a hard financial situation and needing to pull the funds out of my savings and paying the fee is one thing. But having the fees charged after you allow a transaction is bad practice. This all happened the same day the issue happened with my checking account which already has an open complaint. I do not like being penalized when the system/ATM/APP/and online services tell me one thing and then the next day tells me something different.
Product: Checking or savings account

I have been a SunTrust customer for decades, when it was XXXX XXXXXXXX XXXX. 
On XX/XX/XXXX I wrote a check for {$47.00} to pay my water bill. I mailed the check at the U.S. post office. 
I discovered on XX/XX/XXXX that the check had cleared my account on XX/XX/XXXX for {$6300.00}. I called SunTrust on XX/XX/XXXX and spoke to a person who said she could see that the Payee, Date, Amount, and Signature had been altered. The fraud department opened a case number to investigate what had happened. 
I found online information about the fraudulent payee and took it to my branch on XX/XX/XXXX to be shared with the Fraud department. 
On XX/XX/XXXX I called the Fraud department. An escalation was placed on the case and I was told to expect a response in 2 business days. 
I called again on XX/XX/XXXX and was told there was no activity on the case. 
I called again on XX/XX/XXXX and was told the case was in process and usually takes 120 days and I should expect finalization by XX/XX/XXXX. 
I called on XXXX XXXX and was on hold for 45 minutes with no response.
Product: Mortgage

I had a HSBC mortgage which I paid off in mid 2016. I had online access to my mortgage statement prior to payment of my loan but afterwards, I no longer have online access so unable to get tax statements. I 've called twice. HSBC refuses to provide paper statement and unable to provide me online access. I 've spent 2 hours in total over 2 calls and still no resolution.
Product: Credit reporting

Hello, I requested a re-investigation from Equifax for XXXX accounts that were supposed to be deleted from my record. I have attached the letter from the original creditor stating they are closing the accounts. Equifax has done their re-investigation and sent a return letter stating they have verified these accounts and item belongs to me. I am unable to get Equifax to remove accounts from my credit file. Attached is letter from Equifax & letter from XXXX XXXX ststing they contacted Equifax to remove from my file.
Product: Debt collection

I have submitted several written disputes with the collection agency asking them to remove the fraudulent information they have reported . Midland Credit Management is  stating that I owe  XXXX   XXXX   XXXX  {$670.00}. This information is false. I have never had a account with  XXXX   XXXX    XXXX  . Nor have I ever taken out a line of credit for {$670.00}. Several requests were made to the credit bureaus and  Midland Credit Management  requesting the following : -Documented proof that a line of credit was issued for {$670.00} -Documentation from  XXXX   XXXX    XXXX   authorizing  Midland Credit Management to collect t he debt -Documented proof that I applied for this line of credit -Documented proof showing my identity was verified following secti on 16 of  the FCRA -Documented proof showi ng payments we re made by me on this line of credit -Documented proof showing the dates within the credit file are correct -Documented proof showing the debt collector is the second collection agency to purchase this debt following FCRA guidelines.      Midland Credit Management  has falsified their reporting and the credit bureau has failed to request these documents from the creditor. This item needs to be removed from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending in a complaint to XXXX TRANSUNION, & XXXX, i have sent them multiples letters asking them to please remove the inaccurate and negative information that's reporting on my credit reports.They keep ignoring me with stall letters and I am very upset with it. If they can't provide me additional information and documents that i have statement in multiple letters i have sent them, they need to REMOVE everything i challenged IMMEDIATELY.
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. 
Account name : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX I'm complaining about your failure to respond to my request to provide MOV, It has been already over 30 days but I still haven't received any response from you. This matter to me and I am prepared to take legal actions if that's what it takes for you to take this matter seriously.
Product: Credit reporting or other personal consumer reports

I have 2 accounts that were incorrectly reported as 30 days late for the month of XX/XX/2023. These two accounts are my XXXX XXXX accounts both have account numbers XXXX. I have already verified with the creditor that these were reported incorrectly. They have already notified the 3 major credit reporting agencies. Transunion, XXXX, XXXX have not corrected the 30 day late payment status for XX/XX/2023 to on time please reach to XXXX XXXX to confirm this correction of the late status on both accounts to report a on time payment status and correct this incorrect reporting
Product: Bank account or service

US Bank sent me to check systems for XXXX I had made no purchases or did nothing to overdraw this account. They had no reason to damage my credit with XXXX. 
I did not get a phone call or a letter that my account had been closed or I owed anything. I have read many stories on the internet where they have done this to people. I have contacted them and they refuse to correct the problem.
Product: Mortgage

On XX/XX/XXXX I submitted a claim to my insurance company, for roof damage by a storm. By XX/XX/XXXX the claim was settled, I then submitted the check to XXXX XXXX because I have a Reverse Mortage on the house, all documentation has to be submitted tot hem for a 2nd time because they received it before the inspection was done by their inspector. 2 1/2 weeks later they sent the first check back to me indorsed. The contractor submitted an invoice for supliment work inside the house, XXXX XXXX XXXX   XXXX sent a check for the completion of the work on XX/XX/XXXX. This check included the depreciation amount, XXXX XXXX sent the inspector out a second time, the report stated that the work was 100 percent complete. They have repeatedly come up with a reason or excuse to not to indorse the check therefore I can not pay my contractor. It is now XXXX XXXX XXXX I either called them or received calls from them daily with reasons they come up with not to endorse the check. At this point the contractor is considering a lean against the property because of delay of payment. The insurance company has been supportive of me and the frustration of dealing with XXXX XXXX. They continue to lie about additional documentation saying that it has been sent from the insurance company with a different amount and want to send out another inspector even though they have already sent an inspector who has deemed the job 100 percent complete. I have spent over {$200.00} in overnight evenlopes sending out checks to them which they continue to send back unendorsed.
Product: Credit card or prepaid card

My husband passed away on XX/XX/2020, I am XXXX XXXX XXXX. To avoid any charges on our card, I cancelled his card for being deceased, and also cancelled my card and BP - Synchrony Bank issued me a new card number. I noticed charges on our card for XXXX and Amazon but had no idea what they were, they could have been my husbands. Even after I cancelled my card, BP aka Synchrony subsequently gave XXXX and Amazon the new account numbers. The charges were not authorized. I do not have access to the XXXX or Amazon account, and Amazon says I must log in, XXXX would only say the charge was valid. I disputed the charge On XX/XX/XXXX, they made me fill out paper forms and send them in to dispute, later I subsequently called the company where I was told they cant stop it, and they will give out my card number for recurring charges. I explained that these were not authorized, and I would cancel my account if they showed back up. They stated that even if I cancelled my account with BP and Synchrony, I would still be responsible and I needed to wait for the result of their investigation. After all this time, they credited me for one month, but allowed the charges to continue on my account the very same day. They are taking advantage of a widow senior citizen by not stopping these charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX credit reporting agencies both refuse to remove chapter XXXX bankruptcy that was dismissed and no longer legally held against. They continue to respond that it was verified by a third party vendor which is not accurante and XXXX XXXX is providing false information. However XXXX has already deleted from credit report
Product: Checking or savings account

On XXXX I had two transactions come through my account that required my overdraft protection to be used. The money was transferred and items were paid. The next day I got an email that I would be getting two overdraft fees for these items despite the fact that they were paid.

Their overdraft protection policy is that no fee is assessed when it is used to cover transactions as you will be charged interest for the amount used.

I was assessed 2 fees and reached out for an explanation which did not make sense. I asked for further explanation and continue to wait. I do believe that this bank is charging consumers unnecessary fees to inflate their revenue.
Product: Debt collection

Hi, Please see attached for supporting factual documents which must be adhered to by applicable laws. 



There were 2 advanced payments which reflects on credit report which Veros Credit confirms this made before the due date to be ahead of time. 



As you can see as shown on contract the first due wasnt until XX/XX/year> but repossessed in XX/XX/year> which Veros Credit confirms by reporting to Credit Bureau that they repossessed vehicle in XX/XX/year>. 



Veros Credit then states that it was reported on XX/XX/year> I was not informed vehicle would be repossessed or sold in auction. 



XX/XX/year> Veros Credit called demanding a payment of {$960.00} and later called again requesting another payment of {$530.00} to Redeem the vehicle which covered 3 monthly payments of {$470.00}. 



This vehicle was wrongfully repossessed and I am asking for the account to be fully DELETED from my consumer report IMMEDIATELY or I will seek legal action!! This has caused damages to my report file. 



After this vehicle was sold in auction XX/XX/year> Veros Credit reported there was a {$0.00} due to the credit bureau even though they are still reporting the total amount for the original loan which is prohibited by law which is also stated in the original contract states on page 3 of 5 section e-g that they would not report any incorrect other than the amount that was not covered in auction sale. 



In accordance to Fair Credit Reporting Furnisher of Information Veros Credit everything has to be 100 % accurate. 



15 U.S.C. 1681b 15 U.S.C. 1681i 602 A I have the right to privacy 15 U.S.C. 1681i 604 A section 2 A consumer reporting agency can not furnish an account without my written consent Section 609 of the Fair Credit Reporting Act ( FCRA ) items MUST BE DELECTED that are inaccurate, incomplete, or unverifiable ACCOUNT MUST BE DELETED FROM MY CREDIT PROFILE to adhere to regulations and laws
Product: Debt collection

They are repeatedly calling me, and now they are calling friends and family. I speak to them when they call, and I have told them to send me a letter, and we also agreed on a reduced amount for the debt. They have not sent anything to me, and are now harassing my family and friends. I have told them that I will not make a transaction over the phone. They will not stop the harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the fair credit reporting act convergence XXXXXXXX XXXX XXXX XXXX Has violated my rights 15 U.S.C. 1681 SECTION 602 States I have the right to privacy 15 USC 1681 Section 604a Section 2 it also States a consumer reporting agency can not famish a account without my written instruction
Product: Credit card or prepaid card

I have a personal loan with Discover Bank of principal balance of XXXX. Also I have a Discover credit card always in good standing without any late payment. 

On XX/XX/2018 was supposed to be the first due date of the personal loan ( Discover ). By personal problems ; the first payment was paid on XX/XX/2018. The next payment was on XX/XX/2018 ( due date is number 3 with grace period of more five days ) so the repayment is current and on track at the present. Also prior to XX/XX/XXXX ; the late fee of XXXX was paid ( XXXX dollars ). 

Discover Bank with out any prior notification, any call and in violation of the personal loan contract ; suspended or freeze my credit available of my discover credir card. Approximately 6,700 of XXXX ( total ) is my credit available. So I always maintained in good standing my credir card. 

Discover violated its contract, cancel my credit available with out any prior notification and using the credit card as a collateral and suspended without two missed payments.

Additionally the last statement of the personal loan reflects different principal balance in compare with the credit report at this moment. The principal balance in the credit report is not correct infuse by Discover and its mayor than real principal balance reflects in the hard copy loan statement. So it is malicious information in the credit report.
Product: Credit reporting or other personal consumer reports

XXXX Attention : Customer Service XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Violation of My Rights under 15 U.S.C. 6802-6805 and 15 U.S.C. 1681, and Education and Privacy Acts I am writing to formally notify you of the violations of my rights under various federal statutes and to demand immediate corrective action. 

I did not authorize XXXX, TransUnion, and XXXX to report any information regarding my student loans, which violates my rights under 15 U.S.C. 6805 and 15 U.S.C. 1681 concerning permissible purposes for consumer reporting. The reports in question inaccurately list my student loans as being serviced by the Department of Education, despite the fact that XXXX has taken over my loan, originally serviced by XXXX XXXX XXXX XXXX. I never provided consent for this change in servicers, nor was I informed of my right to opt out of having my information reported on my consumer report. These actions are violations of 15 U.S.C. 6802-6805. 

Furthermore, the reporting of my student loans constitutes a violation of the Family Educational Rights and Privacy Act ( FERPA ) as well as the Privacy Act of 1974. These laws are designed to protect the privacy of student education records and personal information. Your failure to comply with these regulations has caused significant distress and potential harm to my credit and personal privacy. 

I demand the following actions be taken immediately : Correction of Inaccurate Information : Ensure that all credit reporting agencies correct the inaccurate reporting of my student loans and reflect that XXXX is the current servicer. 

Cease Unauthorized Reporting : Stop reporting my information to any credit reporting agencies without my explicit consent. 

Notification of Rights : Provide me with a comprehensive explanation of my rights regarding the reporting of my loan information and any future changes to my loan servicer. 

Please acknowledge receipt of this letter and provide a written response outlining the steps you will take to address these issues within 30 days. Failure to comply may result in further action to enforce my rights. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX