23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have mailed Experian dispute letters on XXXX XXXX, 2015, XXXX XXXX, 2015, XXXX XXXX, 2015, XXXX XXXX, 2015 and they never did an investigation? They never said anything was frivolous? This has to be a FCRA violation. Are they legally allowed to do this? Do they save money by not doing their jobs? Plus I have to repeatedly ask for Experian to correct wrong names, address 's and social security numbers I have no idea who or what they are? I have been told this is a really bad thing to have on your credit, is that correct?
Product: Credit card

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 XXXX XXXX XXXX XXXX. XXXX XXXX Credit card Number Account XXXX Opened XX/XX/XXXX Charge off Paid in settlement. {$6600.00} Closed XXXX XXXX Account number : XXXX Late payment XX/XX/XXXX -- XXXX XXXX was having a system error and would not let me pay the full amount on the phone due and I was given an undo late charge and THIS IS INACCURATE. 

XXXX XXXX XXXX XXXX Account number XXXX Late payment XX/XX/XXXX My ex husband changed the address without my permission & I did not receive notice that this was late. I do not want to be penalized for his deviousness anymore. 

XXXX. XXXX XXXX XXXX Account Number : XXXX -- Late payment XX/XX/XXXX This is my ex husbands card, I was not aware he had it or was using it and I divorced him for stealing money from my company and financial dishonesty. I absolutely should not be penalized for this and it needs to be removed from my credit immediately I looked at my Experian credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. 

According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

For the last few months I pay my credit card bill, the payment processes, the money is removed from my account, then I get my statement. My statement shows that my payment was returned, then i get charged a return chk fee for {$41.00}, a late fee of up to {$41.00} and the money is not returned. I also pay by debit card normally, if there is no money in the account, the payment would decline. I also noticed my birthday was changed from XXXX to XXXX. I went to XXXX in person to update this but, this can only be corrected by phone or e mail. I messaged them, no luck, I tried to call, The line just beeps. I also noticed a different account number which I also called and messaged about. I was given credit for my payment and fees last month. When I received my new bill it had be reversed back. As fast as I can correct my info it is sabotaged. i pay on time attempting to improve my credit, the company says to contact the card issuer, the card issuer says contact the place that took your payment. Im being sent in circles, even if the prob is temp resolved, Its only a matter of time before everyting I correct goes right back to where I started. This also happens on other accounts. This is unfair, how can I ever improve credit in a situation like this. I opened the account ending in XXXX in person with valid ID how can a birthday get changed? This problem is happening with all of my accounts, not just XXXX. I also have credit monitoring accounts being created and paid for, also freezing my credit under an account that isn't mine. Currently XXXX has an account in my name with a credit freeze, thats not actually an account I created or can access, I did write to them since I cant get thought to them by phone. This also is making it hard to refi my house. Im literally being taken from, then charged for it then add interest. 
This makes it impossible to improve my credit and impossible to get ahead on bills. This is just the beginning of issues. I do not think it is the company directly, I think someone has control or access that should not. I also had a UBI that I was unaware of and an ISO which is patent, I dont know if this may be related to my issues but im getting copy right infringement strikes and have never actually recieved any legal paper document or a response to what exactly im infringing, Making it hard to appeal because I dont know what exactly to appeal or who to adress the appeal to or what url was involved. Also I have been confirmed a victim of identity theft! I dont know how Ill ever get that under control when I cant even control a credit card account! The card I am using is my card, i recieve my paychecks on this card. It is a XXXX  all access card with XXXX bank. My employer is XXXX ( XXXX XXXX XXXX  XXXX wa. ), the direct deposit appears from volume services!
Product: Credit card

I applied for a credit card and got denied, I have the right to credit. Withholding my access to my securities is securities fraud, they have violated not just the Equal Credit Opportunity Act, they have also violated the Consumer Credit Protection Act, since they denying me access to my credit, I ask that they please retract my application now
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 credit Bureaus after I purchased a credit report in XXXX  After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report that misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX / XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX  XXXX Balance : {$24000.00} XXXX XXXX XXXXXXXX Balance : {$3000.00} XXXX XXXX XXXXXXXX Balance : {$280.00} XXXX XXXX XXXX Balance : {$420.00} XXXX XXXXXXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXXXXXX Balance : {$4600.00} XXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$58.00} XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is a robocall that doesnt give you an option to contact them. They call several times per day. This last one they said nothing at all when I answered. I do not owe any debt. I have a credit score close to XXXX. Im sick of their calls.
Product: Checking or savings account

Synchrony bank. Opened account with a {$100.00} opening balance. The account was placed on restriction. The restriction has not been lifted. The information needed to lift the restriction has not been provided. This has been going on for over 10 months. Notes on file say money will be returned to originating bank. This has not been done. No satisfactory information is being provided. I want to close the account and walk away.
Product: Debt collection

I did not authorize the following accounts they are the result of identity theft. Please remove them. 
XXXX/XXXX XXXX- alleged amount owed= {$1100.00} XXXX XXXX XXXX/ XXXX XXXX- {$4100.00} Please review my attachment below.
Product: Credit reporting or other personal consumer reports

Recently, I mailed a letter requesting verification of inaccurate accounts reporting on my credit report that your bureau maintains on XX/XX/year>. I received a response stating that the accounts were verified on XX/XX/year>. 
then I mailed out a letter formally requesting proof of account verification that belongs to me. Also, a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ). To be clear per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure a proper investigation of my dispute. I am requesting you provide me with ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Below is the account in question. Per the FCRA you are required to provide this information within 15 days or delete the negative items from my credit report.
Product: Mortgage

The Rushmore Loan Company purchased my mothers loan from XXXX XXXX XXXX in XX/XX/XXXX with monthly payments of {$830.00} due. In XX/XX/XXXX, my mother passed away and I assumed responsibility as co-signor for the remaining debt of approximately {$24000.00} in which payments of {$900.00} to {$1000.00} have been made consistently on a monthly basis. In XX/XX/XXXX, I received notice from Bankruptcy Court that Rushmore wanted to request a motion of relief for delinquency. I contacted Rushmore immediately and was told that XXXX payments were missing during the XXXX time frame. I explained that I had no knowledge of delinquent payments and could I work out a payment plan to include adding any missed payments to end of loan. XXXX XXXX Rushmore Relationship Manager gave me XXXX options to pay the delinquency plus fees. Option XXXX is payment in full. Option XXXX is Repayment Plan for a short period of time. Option XXXX was for a loan modification. I was told that I would also have to pay for the additional fees associated with this loan. The fees were for a Lender placed Fire Insurance Policy ( not in a fire zone according to FEMA ) and {$1100.00} for the monthly home inspections and analysis of property. I have not received any contact from Rushmore until today XX/XX/XXXX regarding any delinquencies. I also feel the adding of the Fire Insurance Policy is not in standing with FEMA for Georgia. This property is not in a flood or fire zone and is covered completely by Homeowner 's Insurance Policy. There has not been any contact with the owners concerning the monthly home inspection and/or analysis. The charges for corporate fees and insurance would fall into the Predatory Lending Practices for inadequate disclosure along with inflated fees and charges.
Product: Debt collection

I was notified that my credit score decreased due to a collections letter added in XX/XX/XXXX. I dispute this transaction with XXXX as I was sure it was a mistake since I have never received any documentation saying I owe any amount for any medical bills. The request was denied, and shortly after, I received a letter from this collection agency stating I owed {$1000.00} for a visit back in XXXX of XXXX. The letter from the collector said XXXX provided the service ; it had an address that did not belong to me and a tax ID that did not belong to me ( since I have never had one ). I called XXXX to ensure everything was paid, and they had a copy of me paying for my visit. They gave me the physician 's number but could not find me or have records or any bills from XXXX. I then called this collection agency, where the person was rude, did not have my information, and their records of my social did not match mine ( even though I did not give them mine ). They said if I did not want to pay, that was fine, but I would be hit in my credit every two weeks, so it was my choice. I researched this company online, and many people seem to have the same issue. All I want is for this to be removed from my credit because it is negatively impacting me, while I have always paid my medical bills.
Product: Credit card or prepaid card

Good afternoon, We opened a XXXX credit card up with Citibank in XX/XX/XXXX. We have never been late on any payments since the opening, in XX/XX/XXXX There was a one time payment made out of one of our two checking accounts with XXXX XXXX We did not realize that this one time payment change the payment primary account to this checking account. The payments had always previously came out of another checking account that is supposed to be the primary account for the payments. When we made a payment XX/XX/XXXX of XXXX the payment came out of the wrong checking account and was turned back for not enough funds. When we found out that this happened we let Citibank know and had every intention on correcting it. When we made a {$4000.00} payment on XX/XX/XXXX, we called to make sure that everything was OK but when we looked on the app it showed that this credit card was closed. When we called to talk to a representative we got a lot of runaround with who to talk to you, we were sent to security, account, specialist supervisor. They told us that nothing could be done until we receive the letter in the mail, stating what the reason why This account was closed. So we got the letter in the mail and we called back thinking that we would be able to address the reason our account was closed. That was not the case. We were then given the runaround again and given to an account specialist supervisor who then said there was nobody above him to talk to and that the account was permanently be closed. He said there was no way we could talk to a supervisor above him, and that the credit department receives no phone calls whatsoever. What our concern is that this was a mistake that happened one time and now our credit is on the line. We do not feel that this is a good business practice for credit card companies to be able to close accounts when there is no dialogue with the consumer, theres no appeal process with a consumer, A one strike youre out policy that directly affects your credit. Then they proceeded to tell us that they cant open that account back up, but we could apply to open a new account with them. We simply want the ability to speak with a supervisor, Or somebody at an admin level instead of being told that its a systematic response that Gives no ability to the consumer to have an open discussion with the administration of CITI to discuss the mistake that happened. This process does not give the consumer the ability to defend their credit. This would potentially be something that will be on our credit for the next seven years in the state of Oregon. 

Thank you, XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and bring attention to the inaccuracies present in my consumer credit report. Listed below are fraudulent/inaccurate and or unauthorized hard inquiries on my credit report that I will like to be thoroughly investigated and removed. 

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 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  XX/XX/XXXX It has come to my attention, through a thorough review of my Fair Credit Report, that there are hard inquiries listed on my report that I believe to be fraudulent and inaccurately attributed to my credit profile. I demand a comprehensive and rigorous investigation by the credit buries to substantiate the validity of each hard inquiry they have recorded. Furthermore I request that the credit bureaus provide documented proof for any hard inquiry deemed to be accurate. I am committed to maintaining the accuracy and integrity of my credit report, and it is imperative that these discrepancies are rectified promptly. Your cooperation in conducting a thorough investigation and providing a clear documentation will be instrumental in resolving this matter promptly and ensuring the veracity of my credit report. Please investigate and remove these hard inquiries from my credit report.
Product: Payday loan, title loan, or personal loan

I have tried cancelling or close my account with Earnin through their chat online by XXXX but unfortunately, they did not close my account, they put me on something else which I do not want and on XX/XX/2023 they will ACH {$9.00} and for what. I then turned them over to the California State Attorney 's Office regarding Earnins refusal to cancel or close my account completely. They did receive a letter from the California State Attorney 's Office regarding closing my account. Today, XX/XX/2023, I received an email from Earnin that they did close my account but there was a clause stating that it will not be completely close until the money I cashed out is returned. I have never received anything from Earnin, I am a XXXX XXXX XXXX Veteran and on a Fixed Income and I am very transparent on the words I am saying. I also responded to Earnins email regarding this situation and someone from Earnin responded to me as .... '' Hey Payday Rebel '', they do not monitor there email and I stated that I will turn them over to your company for there lack of communication and lagging this situation on and on ... ..Please Help!!! 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/2020, 5 weeks after I lost my job and income because of COVID-19, I purchased a sandwich. That decision turned into a nightmare that I still grapple with. The day that I had purchased this sandwich, I had checked my First National checking account to make sure I had the money to do so. And I did with a few dollars to spare. Unfortunately, I did not notice that the {$9.00} moments before was not a charge for that amount ; it was a {$1.00} charge. Apparently this gas station only debits {$1.00} to an account initially. I hadn't calculated the entire {$9.00} purchase, only the {$1.00} that had been taken out of my account. This left my account negative {$4.00}. I did not know First National Bank was tacking on overdraft fees during the next few days for items that had previously been listed as already debited from my account, even on the XXXX when I purchased coffee for {$3.00} did I have any notice or knowledge that my account was overdrawn since the coffee purchase went through without fail. By the next day, the XXXX, which is when I went into my account again, the bank had charged me {$420.00}. i immediately called my local branch and spoke with XXXX, the bank manager. He offered to reimburse my account for 2 of the overdraft charges, but could not reverse all the fees. He explained how he was not permitted to make overdraft reversal decisions, but he would be happy check with his supervisor and see what could be done. He told me he would call me the following day. XXXX did call me the following day. His supervisor, he stated, was unwilling to reverse any of the fees, since in the past year the bank had already reversed {$140.00} worth of fees to my account. I explained how some of those fees were bank mistakes. But it did not matter. XXXX would do no more. I made several attempts calling the FNB customer service center to no avail of a better resolution. I explained to each individual I spoke with, including initially XXXX, that I just recently lost all my income due to the virus. No one was interested. Out of desperation, I called XXXX again. I asked him if I could have his supervisors contact information so I could plead my case to him. He gave me his supervisor 's email, and I sent Mr. XXXX a letter explaining my situation. Mr. XXXX called me immediately, but did not get involved, explaining that he leaves the overdraft reversal decision-making to his bank managers. He was not interested in XXXX 's putting the blame on him, and actually said to me that I must have misunderstood! I know exactly what XXXX told me and voiced that. It did not matter to Mr. XXXX and he would not budge on the decision to not help me. I began investigating overdraft fees and the worldwide pandemic. I found a Mr. XXXX XXXX, the CEO of XXXX, and read how he got on board with the Attorney General and the CARES Act. So i wrote to him and explained the situation. That was a waste of many hours of letter preparation. I never heard back from him or his office. I received a letter yesterday from a collection agency for the overdraft charges.
Product: Credit card

I was offered a {$100.00} statement credit on a plane ticket from XXXX XXXX if I applied for, obtained, and used their frequent flyer card from Citi Cards. I applied for the card and was approved, but was not provided with the opportunity to pay for the ticket with the card. I called Citi Cards for help, but was informed that I could not use the card to purchase the ticket until I received the card in the mail. This was not the offer that was displayed on the XXXX XXXX payment page -- it clearly showed a {$100.00} statement credit on the fare that I was purchasing. Waiting for the arrival of the card in the mail would result in me losing the selected fare. Citi customer service blamed it on the encryption ability of my browser, but I learned after the call that the browser I use -- XXXX -- matches the encryption security of the server to which it connects, meaning that the security issue is on Citi 's side, not mine. The Citi representative reported that she gets XXXX calls like this a day, suggesting that the problem again is on Citi 's side, not the consumers. 
In short, Citi and XXXX made an offer, which I accepted by applying for the credit card and taking a " hard pull '' on my credit report. Citi and XXXX then refused to honor their offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed an on-line dispute with Equfiax regarding a tax lien that was incorrectly reported. As of today 's daye ( XX/XX/XXXX ) the account still shows as " pending '' on-line. 

I contacted Equifax via their on-line chat on XX/XX/XXXX and was told I must call during the hours of XXXX local. I called at about XXXX on XX/XX/XXXX and was informed that the dispute investigation had been completed on XX/XX/XXXX and I had been notified by email. I received no such email. 

Upon checking my email accounts, I verified that no email was sent and/or received on that or any other day from Equifax regarding this dispute. Additionally, the Equifax rep said she was re-sending the email. That email has also not been received. 

The dispute is regarding a tax lien filed in XX/XX/XXXX and subsequently paid off. Equifax shows the amount still owing. In addition, Equifax does not show the item in dispute as is required.
Product: Credit card or prepaid card

I purchased an XXXX from Apple with my Apple credit card and went to return it for the smaller size. When I returned it to the store, they made an error and gave me a receipt with a different serial number so it looks like I never returned it. Apple refuses to refund me and I bought it with their credit card so their customer service passes me to the store.