23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Approximately 3 years ago I opened an account with Huntington bank and have been in good standing with them until recently. On XXXX/XXXX/2015 Huntington Bank allowed and unauthorised transaction to take place for over {$1700.00} by XXXX XXXX a car. In no way, shape or form did I authorise this transaction nor anywhere in the area remotely close to that amount. Moreover I specifically went to see my personal Banker about one month prior to this transaction and personally opted out of any overdraft protection for fear of something like this would happen. As soon as I caught the fraudulent transaction I immediately contacted the bank. After a week or so I went to see my personal banker and he made some phone calls regarding the travesty, I do n't know who he was speaking to but he did remind whoever it was that I had no overdraft protection, and made reference to a small transaction sometime ago at XXXX which was denied due to insufficient funds. He actually was arguing and at one point, pointed out about how a small grocery transaction could be denied but yet a {$1700.00} could slip through. For whatever reason the person on the other end, cut the conversation short, and I was given an excuse for them allowing it. It through me into such a daze, I cant even remember what exactly was said. I formally disputed the matter sending XXXX XXXX several document via email showing what it was XXXX had been doing. Long story short both the bank and XXXX had been making banking mistakes and I should not have to be the one paying for it. I have struggled most of my life from XXXX issues which in turn caused me problems to ruin my credit. I have been doing well for several years now and have been making some headway in trying to repair my credit, I wanted to try and buy a home here as a first time home buyer but now I cant even get a car loan. It has brought me to the point of XXXX because of all the financial hardships Both Huntington and XXXX have caused, I would never authorise and amount that I could n't cover and every single time I called XXXX, I made XXXX well sure the money was there at the time to cover it, as I did with all business. 
I returned the car in better shape than it was when I rented it.
Product: Debt collection

This debt is originally to XXXX. I have been trying to correct this with them for over a year now. IC Systems is the current collector for this debt. I have conteacted them on numerous occasions. I was directed to contact XXXX directly because there was nothing the collector could do for the fraud. XXXX then directed me back to the debt collector. I have gone back forth multiple times. I received a letter from IC Systems that the account would be deleted and not pursued any longer. However, it has never come off of my credit reprts and continues to damage my credit. I was the victim of identity theft and have the documentation stating so. But these companies refuse to take the account off even after filling out all the required documents and receiving proof of deletion. I do not know how else to resolve this issue with them.
Product: Checking or savings account

Citibank had closed my account on XX/XX/year>. They closed it with a XXXX balance, however, I had a pending dispute. On XX/XX/year> fanduel credited me back in XXXX increments with the attached trace ID numbers. For over a month I tried to resolve this with Citibank, I spoke to over XXXX representatives that all told me the transaction wouldve automatically been rejected since my account was closed. A few days ago a rep told me that they kept the deposit to clear up a balance. Let me be clear, Citibank owes me money from the pending dispute, I dont owe them anything. They just stole an additional XXXX from me. This also speaks the ineptitude of the outsourced reps Citibank uses as they cant handle/understand simple questions. 

Below is the case number along with the case IDs. Even a branch XXXX told me that the transfer was rejected by the bank?! I attached the screenshot of his email to me. 

XXXX - XXXX for XXXX - XXXX for XXXX - XXXX for $ XXXX - XXXX for {$5500.00} - XXXX for {$3900.00} ( partial refund from $ XXXX )
Product: Credit card

I filed a dispute due to a charge on my Huntington Bank Credit Card that was not mine at the end of XXXX 2016. I have provided them with all the information needed to start my case and received a case number # XXXX. The case manager has tried to contact me by phone and left voicemail messages. When I return the call, I am routed from one agent to the next and have to provide all the details of the case over and over again and still am not able to speak to the case manager. It is clear I will not be able to resolve the dispute without speaking to the case manager, but the agents will not get her on the line for me when I call in or give me her name so that I can request to be transferred to her. This constant run around makes me think they are waiting for me to give up and boot me out of the system as an unresolved dispute since the amount was under {$100.00}. Please let me know if you can help. I can not be the only one frustrated with this lack of communication within the same " dispute resolution department ''. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance XXXX {$230.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$250.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX Balance : {$38000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$5900.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$8900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item ( s ) listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

Section 616 and Section 617 provide me with remedy which Im about to seek. You are willful noncomplying with the FCRA. 

Since you claim youve verified the account ( s ) listed below I wanted to confirm my thoughts and contacted the companies directly. Not one of them provided me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please remove the following accounts, or inaccurate information, from my file immediately & send me the results to the address listed below XXXXXXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  XXXX, Account Number : XXXX
Product: Credit card

My XX/XX/XXXXXXXX  Costco Anywhere Visa Card by Citi statement included a notice that they were making changes to my Annual Percentage Rate ( APR ) from 19.99 % to 23.99 % effective XX/XX/XXXX. They said they had checked my credit score via XXXX on XX/XX/XXXXXXXX  and it was XXXX. The explanation they gave for changing the rate was as follows : 1 ) My current APR was lower that what they currently offer consumers with the same score who apply today ( I've had this card for over 3 years ) 2 ) My current credit profile shows the following problems a ) Balances vs limits is too high b ) Most recent account opening is too short c ) Too many accounts with balances d ) Too few accounts currently paid as agreed. Reasons a, b, c & d are all false and untrue. I only have 3 open credit accounts to my name and none have high credit limits -- Costco Citi card is the highest, actually. 

I'm not sure whose credit score or history they are looking at but it's not mine because non of those reasons applies to my credit or history. I went to my XXXX online account to check my credit score and it is currently XXXX. XXXX also shows the same credit score. It had been at a low of XXXX on XX/XX/XXXXXXXX  but it hasn't been below XXXX at any point this year. I can also see that Citibank never pulled a soft or hard credit check through XXXX on XX/XX/XXXX. My account history shows they ( CitiBank ) pulled soft credit checks on XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX of this year. There was nothing pulled from XXXX ( as they reference in their letter ) on XX/XX/XXXX. 

I called the Costco Citibank customer service to ask who I could speak to about the errors they are basing this large increase on and getting it reversed as my payment history with them is stellar. I was told, on two separate phone calls to them, there was ABSOLUTELY NO ONE I can speak to in their organization about changing this rate or reporting the errors they've based these changes on. SERIOUSLY???? I also went to my local Costco location to report this. They can't do a thing but I want them to know that there is potential consumer fraud being committed by CitiBank. I only throw up this red flag because they were adamant ( and I spoke to XXXX different CSRs ) that nothing can be done. I asked for a referral to a " higher up '' or the credit division and they said there wasn't any recourse. Do you understand why I'm not only frustrated but concerned and angry? If they made wholesale changes to the base rates, they should simply say so. I asked that question but was told they can't speak to me about my credit report so it must not be a company wide increase.
Product: Credit card or prepaid card

I have a credit card with Avant I have over {$500.00} in fraud charges. I can't seem to get anyone to take my fraud dispute. After over 20 calls and hours of my time I have not spoken to anyone that has taken the disputed charges. They keep telling me I have only one person to speak to gave me a phone number and ext and only can leave a voicemail no one calls me back. There is 9 charges totaling over {$500.00} now that are charging me interest and want me to pay payment. I refuse to pay for fraudulent activity 2 months is extreme to me and still have not even been able to tell them what charges I am disputing.
Product: Credit reporting or other personal consumer reports

I want to ensure that you only retain and report true, current, and accurate information on my credit report per FCRA regulations, and I demand, as my lawful right, that this inaccurate information be removed immediately. 

I have recently moved, My CURRENT STREET ADDRESS is as follows : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, NV XXXX Please DELETE any reported personal identier information NOT EXACTLY displayed as XXXX XXXX of address located precisely at XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, NV XXXX with an exact SSN ( or last four ) of XXXX born on XXXX. 

Please DELETE the following inaccurate EMPLOYERS. 
XXXX XXXX XXXX XXXX  I'm sharing a copy of my ID, and SSN card to verify my identity. Im prepared to notify the Credit Financial Protection Bureau and the Federal Trade Commission if the inaccurate information is not removed after the investigation. No consent is identity theft! I trust that you will give this matter the attention it deserves and take steps to resolve the issues promptly. I appreciate your prompt attention to this matter and await your positive response within the legally mandated time frame of 30 days. Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently review my report and notice 5 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of personal credit cards, utility accounts, wireless cellphone accounts and online personal loan accounts. These accounts have resulted in several fraudulent hard inquires and fraudulent collections appearing on my consumer FICO credit report. Please remove the aforementioned fraudulent items from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX and I am reaching out to complain on XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Product: Credit card or prepaid card

On XX/XX/2020 I was browsing the XXXX website to see what the price of pre-sell tickets were to a concert I was planning on going to. The tickets didn't actually hit the market until XX/XX/XXXX. In order to get to the final page with fees and total, you have to input all your billing and shipping information. I saw that the price was 4 times the amount of face value ( XXXX for 3 {$120.00} a piece tickets ) and decided that I would take my chances getting logged in on the XXXX on XXXX to get them. As I was exiting the XXXX site, my screen changed to " Thank you for the Purchase '' and I did not ok the charge. I immediately called XXXX to tell them that I did not authorize that charge and to cancel the order. They continue to tell me that they do not cancel orders and that I was stuck with them. They said that my only option was to resell them on their site ( although the very next day XXXX posted that they are not allowed to sell these tickets due to it being a Charity event ). Without thinking that I had an option to dispute I had them put it up for resell. All this happened within 15 mins after the ticket was charged to my account. The dispute app on my phone said I had to wait until the charge was off pending before I can file a disput so I waited until it did which was XXXX XXXX. They initially refunded me while the investigated it. On XX/XX/XXXX they reversed the credit saying based on the information the reversed the credit and to show proof of cancelation which I only had a phone call to try and cancel and a respond email fro XXXX saying sorry about issue with order. I appealed the claim with Citi and the reopened the dispute on XXXX. They responded with they still will not help in my favor. At this point, I was promised by XXXX to recieve the tickets by XX/XX/XXXX. I did not receive the tickets and they were available to be transferred for over a Month by that time. So now tried to reopen the dispute for the reason of I didn't recieve the merchandise that was promised ( and I didn't purchase anyways. ) Citi reopened my dispute for 2 more weeks the replied that Since I tried opening a dispute with a cancelled charge first that was a conflict of statement with I didn't receive the ticket. Although they are different reasons and I acepted they were not going o take care of me for an unathorized purchase, I feel that Citi should be responible for taking care of their customer for not receiving good by the promised date of XX/XX/XXXX which I have proved proof of. I feel that I am getting the run around by to major corporations and that I have been a victim of fraud by Citi and XXXX.
Product: Credit card

I have paid my Synchrony account on time for over a year. As my balance has decreased, they have changed my auto payment date without my knowledge and charged me late fees even when I pay my bill on time. The payments have been 100 % processed and are showing in my bank statements. I have called multiple times, and they have dropped my credit score more than once over this shady business practice. I have statements proving I have never been late on a payment and screenshots proving they have moved my auto pay date without my knowledge in order to force me into a late fee twice. Once I manually resolved it and complained, they still kept charging me a late fee, claiming it was my bank account when it was not. I can clearly see in my bank app and bank statements that my payment went through every month on time with no delay. They still chose to charge me a late fee on top of my payment the very next day as well.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and found two late payments listed for an account that was never late. Consumer reporting agencies play an important role and must report information as accurately as possible. According to 15 USC section 1682e. I have never been late on the payments for the accounts shown in the attached screenshot for inaccurate reporting from dates XX/XX/year> ( shows okay on XXXX but shows 30 days late on Equifax ) XX/XX/year> ( shows okay on XXXX but shows 30 days late on Equifax ) Please investigate and provide statements proving these payments were late. If you can't provide proof, I request that these payments be updated to " paid as agreed '' since they were never late. Thank you! Please see the attached screenshot.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter multiple times to XXXX, Experian, and XXXX. Here are my tracking numbers : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Product: Student loan

My student loan was forgiven under TPSLF with a forgiveness date of XXXX, but the number of qualified payments was not counted correctly, and the date of forgiveness should be in XXXX to include my qualified payments from XXXX to XXXX while I was working at XXXX ( a qualified employer ). I was given a refund check to reflect loan forgiveness as of XXXX, but the check amount needs to include the payments from XXXX as well. Please review the attached qualifying employer forms, include ALL of my qualifying payments starting from XXXX ( while working at XXXX ), and refund the correct amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 15 U.S.C 1681 section 602 A. States I have 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: Student loan

Back when Navient was Salie Mae I had received a call about repaying my loans and since I wasn't working I wasn't able to pay them. I received a harassing call from the center saying I had to pay and they wouldn't get off the phone. I spoke to a man who was extremely aggressive and said that he would reach out to my mother, who was a guarantor. My mother ended up paying the lump sum, which was {$10000.00}. But this was so unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries that should be removed. XXXX XXXX services- XXXX.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Experian is reporting a bankruptcy on my credit report and they put in the data furnisher as the XXXX XXXX Bankruptcy Court XXXX XXXX XXXX which is false. I have attached a letter from the US Bankruptcy Court of New York verifying and stating that they do not furnish information over to the credit bureaus or any credit monitoring service nor do they verify or validate any information concerning any persons bankruptcy.