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

Dear Sir/Madam, I am writing to file a formal complaint against the three major credit bureaus - TransUnion, XXXX, and XXXX for failing to accurately address and resolve my disputes related to incorrect information on my credit reports. The disputed information remains on my credit report and has not been corrected.
Product: Credit card

I have an issue with a credit card I issued recently. my card has been suspended XXXX times due to 'suspicious transactions ' as the issuers claim. However, I verified it with them for the first time and showed them that all the transactions were authentic. Then they opened it. And as I was using it, they closed it again due to the suspicious transactions, which is not true. 


When I ask them to tell me what the problem is and this happened, they say we sent you a confirmation letter to verify these transactions, and we can't provide you with the reasons.
Product: Credit card or prepaid card

I had a Chase XXXX card with a limit of {$15000.00}. I was on vacation and without notice, Chase lowered my limit to {$11000.00}, about {$500.00} over my current balance. This was my primary credit card and only credit card I took on vacation with me other than my corporate credit card. I immediately contacted Chase through their secure messaging on XX/XX/XXXX about this. They responded and said they needed updated income information and employment information which I provided. I did not hear anything back by XX/XX/XXXX and requested an update. Again, I was still on vacation and this was my only credit card. Their response was that it was forwarded to the appropriate area. Receive a response on XXXX and they said I would need to call them and reapply for the credit limit. I said " no, I want the credit limit reinstated as I was on vacation and needed this card. '' They just kept responding with the same automated message. I told them to go ahead and just close the card and explained that I believe their practices are manipulative as they provide a card with a limit and rate based on people 's credit hoping that people use the card and that it becomes their " top of wallet '' credit card. They then unprovoked, reduce the credit line with no notice. This now impacts the cardholder 's credit score as it increases their revolving debt compared to open credit availability. They then make their lending decisions and assign rates to these cardholders based on this. If I would have reapplied for the card, they would have potentially increased my rate because of the move THEY made. They are manipulating the system to their own benefit. Charging me an interest rate based on risk, getting me to use the card, and then once used, revoke the card without having the opportunity for me to choose another card.
Product: Credit reporting or other personal consumer reports

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 XXXXXXXX, TransUnion This Account is reflecting inaccurate information to all 3 credit bureaus Please removed/ delete from my credit report 15 U.S. Code 1681 ( i ) ( a ) ( 1 ) 15 U.S. Code 1681 ( i ) ( a ) ( 6 ) ( b ) ( 3 ) 15 U.S Code 1681 ( i ) ( a ) ( 5 ) ( B )
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices were unfair and request an investigation into my account and transactions.
Product: Credit card or prepaid card

Amex charged me a prorated annual fee for an account that I haven't used in a year and which it tricked me into keeping open for 3 wks in XX/XX/XXXX while it falsely claimed for a second time to investigate a promotion dispute I first initiated a year ago. I previously filed a complaint w/ CFPB Complaint Number XXXX. Amex 's response failed to address the complaint at issue -- the prorated annual fee for the three weeks that it tricked me into keeping my acct open for an investigation it now admits it never conducted. 

On or around XXXX XXXX, I called Amex to close my account for which I was charged {$95.00} for the next year 's annual fee. I inquired about a promotion bonus that I was owed from a year ago. Amex rep XXXX XXXX confirmed that I met the terms for the bonus miles ID Dispute XXXX. He put notes on acct. XXXX stated that he's also including {$95.00} annual fee in the dispute to be waived. 

While the promotion dispute was being reviewed ( Amex now admits that it lied twice about investigating this ), I asked Amex to change the card to one w/o an no annual fee but Amex warned that bonus miles might not be credited. Amex advised that I have to keep the card as Delta Gold. My  concern was that if I don't close the card within 30d of the annual fee charge, Amex won't ever credit it. Amex XXXX assured me that it would be credited when the XXXX bonus miles are credited. 

Amex now admits that for the second time, it LIED about investigating my dispute. While it was supposed to investigate, Amex tricked me into keeping the acct open which I tried to close or convert to a no-annual-fee card. 

Amex tricked me into leaving my acct open for 3 wks for an investigation it never conducted and now charged me a prorate annual fee for those 3 wks.
Product: Credit reporting or other personal consumer reports

Experian has XXXX names on my credit report, and not one is correct! I called them today and they told me I could not change this to be accurate. Having XXXX names listed makes me look unprofessional and could prevent me from getting additional credit. 
My legal name is XXXX XXXX XXXX XXXX and I also go by XXXX XXXX. I would like my credit report to reflect this.
Product: Debt collection

Starting in XXXX I had XXXX  start calling me about unpaid debt for XXXX and Friday XXXX I told them I had no unpaid debt. I went online to run credit on XXXX, XXXX, and XXXX and saw that this was collections for XXXX. The 3 collections included : LVNV FUNDING LLC XXXX XXXX XXXX XXXX {$470.00}, LVNV FUNDING LLC XXXX XXXX XXXX XXXX - {$390.00} and XXXX XXXX XXXX XXXX XXXXXXXX XXXX - {$870.00}. These were all companies that I have no recognition of or what the unpaid bills were for. When I logged onto the credit agencies, I also noticed that for previous addresses listed there were 4 TX addresses that I have NEVER lived at or no anyone who does live at these addresses. I filed disputes with XXXX, XXXX, and XXXX that my identity was stolen, and these are fraudulent charges that I do not owe. On Monday XX/XX/XXXX I filed a Police report for identity theft with the XXXX Police Department - Report # is XXXX. XXXX XXXX XXXX XXXX ) sent me a link to attach all screen shots from the 3 credit agencies showing the fraudulent collections as well as the TX addresses XXXX On Tuesday XX/XX/XXXX I contacted XXXX ( spoke with XXXX ID # XXXX ) and notified them that the debt they were trying to collect from me was fraudulent and they started a dispute, again for identity theft - # XXXX.
Product: Credit reporting or other personal consumer reports

This is improper use of my credit report with inaccurate information. 

In accordance with the Fair Credit Reporting Act ( XXXX XXXX with credit cards ending XXXXXXXX XXXX XXXX XXXX XXXX  card ending in XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ending in XXXX, XXXX XXXX XXXX XXXX ending in XXXX XXXX  XXXX XXXX credit card ending in XXXX. All of these companies has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 ( A ) Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

Hi and Thank You! 

First when XXXX called me from Portfolio Recovery she said this conversation will be recorded and I approved it so they have a recording of what transpired on XXXX XXXX, XXXX. 

I have XXXX XXXX XXXX credit cards that I had to stop paying on in XXXX. XXXX XXXX sold this debt to Portfolio Recovery. 

I contacted by email Portfolio Recovery XXXX XXXX, XXXX by email to offer a settlement of {$2500.00} on a {$5000.00} dollar debt but with interest and penalties they want {$5800.00}. 

I received a call from Portfolio Recovery yesterday and spoke with XXXX. She offered me a settlement on one of the credit cards that was {$24000.00} @ # XXXX and the XXXX XXXX XXXX credit card totaling {$2100.00} @ {$1300.00} and the third XXXX XXXX credit card totaling XXXX @ {$770.00}. 

XXXX asked me for {$2500.00} to start and {$86.00} a month for 13 months totaling {$3500.00} and requested my chiecking account number and routing number. 

I asked XXXX to send me a email or letter first showing these new amounts of money she just told me about and confirmation of the new balance of {$3500.00} and she said it was above her head and put her manager on the phone XXXX. 

XXXX then proceeded to request my checking account number and routing number and i said please send me a email or letter with this new arrangement for payment and he said it was against his company policy. 

I am willing to pay this new amount of {$2500.00} to start now by Certified check only and {$86.00} a month for 13 months totaling {$3500.00} but they will not send me a email or letter first confirming this new amount. 

Please advise. 

Thank You
Product: Debt collection

AFNI has violated my rights as a consumer by attempting to collect a debt that is not valid. AFNI violated The Fair Debt Practices Act 15 USC 1692. The violations are : 15 USC 1692b Acquisition of Location information ( 5 ) ,15 USC 1692d Harassment and Abuse ( 2 ), 15 USC 1692f Unfair Practices ( 1 ) ,15 USC 1692g Validation of Debts ( 1 ), ( 2 ), ( 3 ), ( 4 ), ( 5 ). This debt collector has used false, misleading and deceptive practices.
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX XXXX  has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have told Experian, XXXX, and XXXX to reinvestigate these accounts. The XXXX XXXX XXXX # XXXX XXXX # 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 U.S.C 1681 i ( 5 ) they are suppose to modify accounts that isnt reporting correctly.

15 U.S.C 1681 section 602 A. state 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 instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

I was charged {$19.00} by Transunion on XX/XX/25 even though I did not agree to any purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX my auto lender with my account # XXXX XXXX XXXX XXXX has deleted the negatives on my account and place my account on " Current Status '' as of XXXX XXXX. 
XXXX XXXX XXXX Account Vice President Ms.XXXX XXXX has sent XXXX, Transunion, XXXX and me a electronic email verification on placing my auto loan " Current '' status as of XXXX XXXX. 
Here is XXXX XXXX XXXX information XXXX XXXX XXXX XXXX, XXXX, Utah.XXXX.XXXX direct number XXXX.and fax XXXX I am respectfully requesting a expedited updated credit scores and credit report as I am going through a VA Loan and purchase process with XXXX XXXX  to purchase a new construction home with XXXX XXXX in Florida. 

I highly appreciate your support as I am XXXX Lifetime, Retired and a US XXXX Honorable Military Veteran. 
Thank You for your wonderful support for our US military Veterans and all Citizens in the Communities of America. 
Very Urgent Matters!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of a declared disaster. My finances suffered severely after losing my job due to COVID. I contacted my creditors to inform them of the hardship. Two of my creditors made payment arrangements. Which I kept. One of the creditors ( XXXX XXXX ) also put a comment on my account stating that I am a victim of a natural disaster. The other creditor ( XXXX ) accepted my payments, did not comment or flag my account, closed it,, and charged the account off. I disputed the inaccuracy with Transunion who conducted an " investigation '' that found that the XXXX account info is " accurate ''. There was a link to view my " current report '', which still shows inaccurate information on the XXXX account.
Product: Credit card

The following accounts with Affirm INC are not my accounts/loans, and I have never had an account with them. I filed an investigation with Affirm on XX/XX/XXXX. Based off there investigation, it indicated that I am responsible for the loan/payments. 

XX/XX/XXXX Affirm INC Loan id : XXXX XXXX Purchase order id : XXXX {$220.00} XX/XX/XXXX Affirm INC Loan id : XXXX XXXX XXXX {$360.00} XX/XX/XXXX Affirm INC Loan id : XXXX XXXX order XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$210.00} XX/XX/XXXX Affirm INC XXXX XXXX XXXX XXXX XXXX : XXXX {$380.00} XX/XX/XXXX Affirm INC XXXX XXXX  XXXX XXXX XXXX XXXX : XXXX for XXXX {$1600.00} XX/XX/XXXX Affirm INC XXXX XXXX  XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX I realize I never received my Discover Card statement, which i normally get my statement by mail around the XXXX of the month. I called Discover and they claimed I opted in for paperless statement which was a lie. Discover claimed they would take care of it. On XXXX XXXX I finally received my statement from Discover, which made my account late. I have been with Discover Card since XXXX  and have never missed a payment nor been late. I wrote a check for the full amount of {$550.00} then went to the post office and mailed my payment. Discover claimed they didn't receive my payment until XXXX XXXX. 
For my XXXX statement I received a statement stating I owe {$1000.00} which was a lie. My total owe for XXXX was {$660.00} which I paid in full on XXXX XXXX. Discover claim I never paid my XXXX payment of {$550.00} which was a lie. I have my statement showing that my bill is paid and my statement from my checking account stating it was paid. Discover is claiming I owe {$450.00} plus late charges that I refuse to pay. Discover can not show me where I missed any payments or made any charges. I have talk to numerous customer service representatives, I have yet not received one phone call from supervisor like I asked several times. I am still getting the run around today. I even ask Discover if I owe this amount, show me what I owe, and explain to me what I owe, which they have not done to this day. I have always paid every bill I have made on time and paid in full, so why wouldn't I not pay my bills now. I am a XXXX XXXX XXXX elderly man who is being taking advantages of and I need help to solve this matter.
Product: Debt collection

So last year XX/XX/2020 Is rep called harassing my XXXX old daughter who answered my phone while I was busy. A few days later they called back I answered and the rep was accusing me of false information said I needed to pay then, was laughing and saying she would keep calling. Got a call XXXX XXXX with a rep telling me to borrow money and its a shame I havent paid them off in 2 years
Product: Credit reporting or other personal consumer reports

Equifax is keeping me from restoring my life as a victim, I have consulted with an advocacy group who helped me submit documents in order to help with my situation. I am very displeased that Equifax has failed to correct this information. I attest that I am a victim of in person trafficking.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the account XXXX XXXX   XXXX on my credit report for months, I asked for evidence proving that the account is accurately reported under my name..Equifax failed to send me, that tells me they did not verify this account. Please CFPB help me out here and reverse the late payment
Product: Debt collection

I have filed another complaint about the threats from this company to destroy my credit. This medical debt is not mine. It is the result of identity theft and I am a victim.
Product: Mortgage

Banco Pupular of Puerto Rico increased my monthly payment and they never sent me a notification about it. I called the bank and they said that they can not help me and only by appointment, which has not happened. I believe the bank should tell consumers before any increase of their monthly payments, especially their own insurance. This case, I found out when I was making a payment online that the monthly payment was more. This took place a few months back and I have not receive any notification from the bank. 

Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was online at the XXXXXXXX XXXX  website. The site prompt me to put my personal information in so that it can get quotes from potential lenders who would be interested in funding me. The site also stated that there would only be XXXX soft inquiry on my credit report. On the Contrary, I ended up having all of these hard inquiries on my credit report from these various companies, Which I had no idea about. Plus, there where other accounts on my credit report that I didnt even knew where there! Unbelievable! 
XXXX XXXX XXXX XXXXXXXX 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

In accordance with the fair credit Reporting XXXX XXXXXXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Mortgage

The loan officer XXXX with SWBC misrepresented the product with her company by claiming to have a three in one close with an VA approval. I discovered that SWBC do not offer an construction when XXXX claimed she would have to speak with another bank. 
She mislead me to believe she was the one that would process the loan and do the lot, construction and permanent loan all in one. She falsely stated that the VA loan offered only 5 % and that I would only have one close. All this turn out to be false and again SWBC do not offer construction loans. 
She violated my trust and presented false statement about the loan process and when confronted about what she did, she attempted to avoid the conversation. I presented this information to XXXX XXXX who ignored my concerns and refused to address what she stated and did. They acted in a malicious manner and refused to be truthful about what she stated but the realtor that referred her to me was on the phone when she claimed what she could do and the type of loan she would provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello My name is XXXX XXXX. Im writing this complaint in response to Complaint XXXX and XXXX. This complaint is in regards to both XXXX & TransUnion for violating my rights to privacy. Its been submitted well over 30 days ago without a response. By law these items need to be removed from my consumer report. Both XXXX & TransUnion have taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false information to my consumer report without my lawful authority. 


This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency to furnish any of these items to my consumer report. It is my belief that the consumer reporting agencies, ( such as XXXX, XXXX, Transunion ) parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Product: Credit reporting or other personal consumer reports

In accordance with the fair act credit reporting act convergent account # 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 XXXX XXXX XXXXXXXX XXXX XXXX Has violated my rights.

15 U.S.C 1681 Section 602A states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

Dear XXXX, I am writing to formally lodge a complaint against Chase Bank regarding their unlawful withholding of funds deposited into my account. Below is a detailed account of the situation : XXXXI deposited a check into my Chase Bank account XXXX payable to my business and XXXX of my clients. 
XXXX-The check was properly endorsed by all parties involved. 
XXXX-Chase Bank subsequently closed my account, stating that they could not verify the information of my XXXX clients. 
XXXX-I provided Chase Bank with the phone numbers of my clients as requested. 
XXXXChase Bank claimed that the phone numbers provided were not registered under my clients ' names and thus could not verify their identities. 
XXXX-I proposed that my clients visit the bank in person with their identification to verify their identities, but Chase Bank refused this solution. 
XXXXMy clients then opened new phone lines registered under their names and provided this updated information to Chase Bank . 
XXXXDespite my clients now having phone numbers registered under their names, Chase Bank still refuses to release the funds. 
XXXX-Chase Bank has stated that they will withhold the funds indefinitely until my clients can get a phone in their names, which they have already done. 

This situation has caused significant distress and inconvenience to both myself and my clients. When I opened the account and deposited the check, I was not informed that such issues could arise. Chase Bank 's refusal to cooperate and release the funds despite my clients meeting their verification requirements is unacceptable. 

I am seeking the assistance of the Consumer Financial Protection Bureau to resolve this matter promptly. I request that Chase Bank be instructed to release the funds immediately as my clients have complied with all the verification procedures. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this issue.