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

I am writing to formally address a serious issue regarding my account with you, which has led to severe inaccuracies and adverse effects on my credit report. The discrepancies and mishandling of my account have not only violated my rights under the Fair Credit Reporting Act ( FCRA ) but have also caused significant damage to my credit score. 

Background : In XX/XX/year>, my account with XXXX XXXX XXXX was subjected to fraudulent activity. Despite my prompt reporting of this fraud, XXXX XXXX XXXX failed to take appropriate action to rectify the situation. Instead, the following issues have arisen : Account Lock and Payment Reporting : XXXX XXXX XXXX locked my online access, which prevented me from viewing or managing my account. 
Despite this lock, you continued to report late payments and insisted on payment, despite the fraudulent nature of the charges. 
Inaccurate Reporting : My account balance was reported inaccurately as $ XXXX, which is a significant discrepancy given my credit limit was {$500.00}. This erroneous reporting is a clear violation of my rights under the FCRA, which mandates accurate reporting of credit information. 
The fraudulent balance and late payments have resulted in a drastic drop of XXXX points in my credit score across all three major credit bureaus : XXXX, TransUnion, and XXXX. 
Harassment and Collection Actions : I have been receiving daily spam calls from an automated system, which constitutes harassment. 
My account has been erroneously placed into collections, further damaging my credit profile. 
Request for Rectification : I demand that ( XXXX XXXX XXXX ) address XXXX XXXX XXXX, XXXX XXXX, Missouri Remove all inaccuracies related to the fraudulent balance and late payments from my credit reports with XXXX, TransUnion, and XXXX. 
Adjust the balance to reflect the correct credit limit and remove any erroneous late payment entries. 
Restore Online Access : Reinstate my online access to my account to enable me to manage and review it appropriately.

Cease Harassment : Stop all automated and unsolicited calls related to this matter.

Cease Collection Activities : Remove any collection status associated with this account from all credit bureaus. 
Failure to address these issues promptly and adequately will leave me with no choice but to pursue legal action to protect my rights. The inaccuracies in reporting and the harassment I have endured are clear violations of my civil rights and liberties. 

Please consider this letter a formal notice and demand for corrective action. I expect a response within 15 business days of receipt of this letter. 

Thank you for your prompt attention to this urgent matter
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 U.S.C 1681. Has Violated my rights. 1. Account Name : XXXX XXXX  / Account number # XXXX XXXX. Account Name : XXXX XXXX XXXX Account number # XXXX XXXX. Account Name XXXX XXXX XXXX XXXX Account Number # XXXX XXXX. Account Name : XXXX XXXX / Account Number # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : # XXXX XXXX. Account Name : XXXX Account XXXX : # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : # XXXX Has Violated my rights. 15 U.S.C 1681 Section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting 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: Payday loan, title loan, or personal loan

I got a title loan in 2020. I was NEVER told the loan needed to be paid in full within 30 days. Needless to say I have been making payments on this XXXX loan for over 2 years. I pay over 200 per month and they make me " sign renewal forms '' every month. They told me I would make monthly payments on paying it back NEVER saying within a 30 day time frame. I have paid OVER 5000 $ $ on a XXXX loan so far. I can NOT afford to pay the lump sum. The APR Is XXXX XXXX. What can I do? Is this even legal???
Product: Credit reporting, credit repair services, or other personal consumer reports

2017 I opened. Amex Green Card, Gold Card, and Everyday Card. After I paid the accounts off on time they were removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, XXXX XXXX XXXXXXXX, Account # ( XXXX ) added a derogatory mark on my credit report per XXXX credit monitoring service. Upon, further research, this account was transferred/sold by the original debtor, and I am not responsible for the account. Debtors ' creditor did not verify this collection and the information contained as accurate. Also, there was NO written form of communication, contract or signature for this accused debt. A bill without a signature does not validate the debt and the information contained within this collections account contains false/inaccurate information, which has been furnished too the credit bureaus illegally. According to the FCRA, XXXX XXXX XXXXXXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Checking or savings account

Us bank account problem XX/XX/19 a deposit of XXXX leaving a positive balance of XXXX. 
XX/XX/19 a purchase was made at car wash for XXXX dollars unavailable funds XX/XX/19 a purchase was made at XXXX XXXX for XXXX unavailable funds XX/XX/19 a purchase was made at XXXX for XXXX unavailable funds XX/XX/19 no purchase XX/XX/19 at around XXXX XXXX I put a check in the bank for XXXX then I withdrew XXXX cash for the ATM which was made " unavailable funds ''. two hours later at XXXX XXXX I made a payment of XXXX rent, at XXXX XXXX the bank closed and did not process the payment until after XXXX XXXX, on XX/XX/19 there was a pending deposit XXXX to be deposited on XX/XX/19. 
After XXXX XXXX on monday the us bank reversed the unavailable funds that were held out over the weekend and on monday put them back into available funds of which was add back into Fridays XX/XX/19 balance ... They then took the deposit of XXXX made on monday XX/XX/19 and back dated it to Friday 's XX/XX/19 balance of XXXX adding it in making the balance XXXX 
After that was done, They next took the rent payment of XXXX dollars made on monday XX/XX/19 and back dated it to Fridays Balance of XXXX over drawing the account and from there they proceeded to process the weekends payments and monday 's cash withdraw over drawing the account for XXXX dollars a " pop ''. 
what the book keeping looked like till monday at XXXX XX/XX/19 deposit XXXX purchase XXXX balance XXXX XX/XX/19 - XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 deposit XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 XXXX pending deposit XXXX what happened after the booking was not properly processed.. 
XX/XX/19 balance XXXX XX/XX/19 deposit XXXX XXXX XXXX blue dot available balance XXXX XX/XX/19 XXXX XXXX XXXX XXXX XXXX available balance XX/XX/19 - XXXX XXXX XXXX XXXX XXXX  available balance XX/XX/19 - XXXX XXXX XXXX XXXX XXXX available balance XX/XX/19 XXXX XXXX XXXX XXXX available balance at this point a deposit came that was pending XXXX they added it to the XXXX making the XXXX that is below ... the XXXX is the upper booking keeping balance and is not red .... when the book keeping is in red it means the account is over drawn.. 
this account was never over drawn on weekend. it became over drawn due to there process ... 
XX/XX/19 balance XXXX XXXX XXXX available balance XX/XX/19 XXXX XXXX purchase XX/XX/19 XXXX XX/XX/19 XXXX XXXX purchase XX/XX/19 XXXX XX/XX/19 XXXX XXXX purchase XX/XX/19 XXXX XX/XX/19 XXXX XXXX cash atm XX/XX/19 XXXX XX/XX/19 XXXX this transaction looks like it being processed here when in XXXX fact it has been processed back on fridays date of XX/XX/19 against the positive balance. 
this had been going on for years with our account and it wasn't until is year at I have notices it happening.
Product: Debt collection

I called Ability Recovery Services LLC to make an attempt to try and verify a debt they say I owe they put me on hold and then blocked my number I'm still blocked as we speak and they couldn't even locate the debt but they are reporting it to my credit report so someone has to explain what is going on.
Product: Mortgage

For over four years plus, Chase Home Finance has been inundating me with XXXX mailers that offer attractive, no-cost refinancing terms for my first mortgage. In XXXX 2013, I applied. Our family 's credit is perfect. It took months and tons of documentation but Chase would n't refinance based on its inability or unwillingness to verify my fully-disclosed second mortgage with another institution. I sent billing statements repeatedly and some closing documents to the loan processor. Still, no go. I abandoned the effort. <P/>Why is Chase allowed to mail me repeated offerings when it has no intention of closing a refinancing with me? Two, rates have climbed so the attractiveness of the offering has diminished.
Product: Mortgage

On XX/XX/XXXX myself and my wife received a mortgage loan from Citibank mortgage for the amount of $ XXXX@ 3.25 % for a fix 30 year fix loan. Loan was based on our primer status with Citibank. Since we had over {$500000.00} with Citibank, we were promised 1/8 point discount on the loan. When we were on final stages of loan preparation, we were told that since we are using part of the {$500000.00} for down payment, we were not eligible for 1/8 point discount. At that point we did not have any other options and we reluctantly closed the loan. On XX/XX/XXXX, we received a check for {$4000.00} from Citibank mortgage without any explanations. As I dug into the issue, I discovered that this check was for the 1/8 point overcharge based on a XXXX XXXX dollar settlement Citibank had CFPB. The {$4000.00} check, based on the person responded to my calls with Citibank, is for the rate difference. Citibank told me that they have calculated the difference in interest for 5 years and made some deductions that is how they have arrived to {$4000.00}. I argued with the Citibank representative that this not acceptable. They need to either pay me the difference in monthly payment between 3.25 % and 3.125 %, which is equal to {$73.00} per month, for as long as I hold the loan and bring the back payments in to today 's dollar value. Alternatively, they can calculate the loan amounts that I should have had received in XXXX instead of {>= $1,000,000}. This new principal value, based on XXXX dollars, would have been {>= $1,000,000} or {$17000.00} more than what I received as principal for the loan. This XXXX should be adjusted to today 's dollar value. 
This issue was escalated and I talked to the managers. Everyone repeated the same information that I received the interest for 5 years with some subtractions. Although Citibank was always very polite, but basically their point was that this is the money you were not expecting, so go enjoy it! This response is not acceptable. I do not see any issue with my logic and reasoning. Citibank did not provided what they have advertised and they should correct their mistake and properly reimburse us. 

CitiMotgage Account Number XXXX Principal dollar value Received : {>= $1,000,000} Interest rate received : 3.25 % ( Should have been 3.125 % ) 30 year fix rate loan XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX Cell ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

filed A FTC CLAIM AGAINST AMEX AND THEY WONT QUIT CALLING ME ALL TIMES OF THE HOURS
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 my credit report was pulled in a result of a hard inquiry That I did not authorize.
Product: Credit card or prepaid card

Marriott International and its XXXX member Program have partnered with Chase Bank to offer Marriott XXXX loyalty members credit card products with false and misleading advertisements to entice consumers into applying and getting approved for the card and then immediately change the reward offerings upon approval, and remove the information previously advertised from any of the related documentation about the cards rewards benefits after the consumer is approved. The advertisements originally stated that I would get a significant amount of marriot XXXX points ( I believe it was XXXX or maybe a little less because I compared multiple cards in a matrix online they provided for consumers to compare cards and choose a credit card to apply for ) by applying and meeting appropriate qualifying spend levels in a specified time period. Once approved for the card, there is no further mention of this enticing language! Ive contacted both Chased and Marriot and each side spends numerous hours of my time transferring me between bunk departments, making me sit on hold each time and no one has a clue about the offer nor where to send me to get the assistance I need. My last attempt was a consumer compliant to Chase and Marriott where I informed them I would complain to my consumer protection agencies ( CFPB and etc. ) if not assistance was provided to sort this false and misleading statement issue out. As you are aware, through this process they must hard hit consumer credit for application and approval, then consumer is stuck with open credit card, which I am now refusing to use until they guarantee me the advertised bonus and benefits for my spend and interest payments, and additionally, if I immediately close the card due to their aweful inappropriate malpractice service, I as the consumer take additional hits to my credit. Please help me with this issue.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an issue I have discovered upon reviewing my consumer reports. Upon careful examination, I noticed that there is a instance of a late payment reported on an account with which I have consistently maintained a flawless payment history. 

Consumer reporting agencies play a crucial role in accurately reporting consumer information, and it is imperative that the information is conveyed with utmost precision. I have always upheld my financial responsibilities diligently and have never been late on payments for the account with identifier [ XXXX XXXX XXXX, Account Number : XXXX ]. 

I am formally requesting a thorough investigation into these reported late payments. I kindly ask that you provide concrete evidence, such as statements, indicating the alleged late payments. If sufficient proof can not be provided to substantiate these claims, I insist that these payments be promptly updated to reflect their accurate status as " Paid on time ''. 

Also there have been inaccurate and inconsistencies being reported from XXXX XXXX XXXX, that reflect different results on my consumer report. Please investigate. 

Maintaining an accurate credit report is essential for individuals to access fair financial opportunities, and it is my expectation that this matter will be resolved expeditiously with the utmost attention to accuracy. 

attached is my identification to ensure my identity
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you to perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditorXXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

XXXX XXXX XXXXXXXX is reporting the account is handled by a debt management company where it is NOT. I pay my payments directly to XXXX XXXX XXXX. They are also reporting my account is OPEN on XXXX credit report where it has been CLOSED for 1.5 years. In addition they are reporting late payments in 2016 when I was not late, they failed to send my statement to the correct address after a military move. They were given the correct address and still to date have not updated it.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the EXPERIAN and XXXX credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXXXXXX Balance : {$29000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$5200.00} ; XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I wrote XXXX  XXXX and the management sent me this letter agreed to delete all inquiries but TransUnion never updated my credit report
Product: Credit card or prepaid card

On XX/XX/XXXX I received a mattress from XXXX that was bed bug infested. Order XXXX I set up a return and have the receipt from the ups driver with the tracking number. After waiting the amount of time XXXX told me to wait to see my credit, I called and have been calling since for XXXX years now! I was always told it was revived and the credit is either being processed or has processed and it takes time ti hit my credit card, which is my XXXX store credit card thats held through Synchrony bank. Finally in XXXX of XXXX after filling out claims directly with the credit card company i got my credit, but not even for the interest fees. But the total {$520.00} charged. The bank issued me a new credit card and I thought this was over. Then XXXX charged the same amount to my new card in XXXX of XXXX and I filed a fraud dispute with the bank at that time. They assured me theyd issue a credit and to wait the proper amount of time, and so far nothing has been done! I call every few months and each time they ask for the tracking number and my account of what and when and why I returned this item and still almost XXXX years now? Nothings being done! I stopped using this credit card and left the amount due to me as a balance and when they call Me to say XXXX late - I explain o have a XXXX balance and they actually owe me money for the finance chargers and late fees theyre applying for almost XXXX years.
Product: Checking or savings account

Access to my two accounts, one personal and one a d/b/a/ XXXX  account, was completely blocked on XX/XX/2021 until I was ... forced ... to agree to electronic communication and a lengthy terms and conditions agreement, as part of the consolidation of BB & T Bank and Suntrust Bank . 

The lengthy agreement is something that should be reviewed by a lawyer. 

The electronic communications agreement includes text messaging. I do not text. Just as with 27.5 million other American adults I use a flip phone. This is something I've called to the attention of BB & T on, at least, two other occasions.

There is no way to modify the " agreements '' especially the one dealing with electronic communication. That means that customers can not access their accounts without surrendering their control of their own XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told that I have a criminal conviction of XXXX XXXX  XXXX XXXX on my record and that is not true. I was found not guilty XXXX XXXX XXXX XXXX On the background report it says guilty. Can you fix that?
Product: Student loan

I was contacted by XXXX phone number XXXX saying I was eligible for the obama student loan forgiveness program. Spent over an hour on the phone and doing electronic signatures. My first payment of XXXX was done through XXXX which made me suspicious.
Product: Payday loan, title loan, or personal loan

On XXXX I applied for a personal loan with SoFi to consolidate my debt and also provide funds for an unexpected veterinary bill. I applied with SoFi because they had an offer to get .50 % taken off your APR if you set up autopay and use 50 % of the loan for credit card debt. I hard pull on my credit was done. I was approved and started setting up the transfer to my credit cards, to find out that not all cards are supported, meaning I would not get the APR I was told I would receive because the transfer balance was less than 50 % of the total loan.

The fact that not all credit card types are supported is not listed on their site anywhere ( which I confirmed with their customer service ). The hard pull that was preformed on my credit will lower my credit score, and could prevent me from getting a loan with a better APR.
Product: Credit reporting or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The collection agency in question persists in illegally trying to collect on a XXXX XXXX store credit card that was closed by me in the Summer of XXXX, submitted for collection on XX/XX/XXXX and subsequently disputed as inaccurate on countless occasions, although the creditor and collection agency steadfastly refused to generate a legitimate amount owed.
Product: Debt collection

XXXX XXXX incorrectly sent this bill to collections which was processed incorrectly for XXXX XXXX. I called the insurance company they reprocessed the claims and paid them. This collection agency is attempting to collect a debt paid by my insurance company.