23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I pulled all three of my consumer report ( XXXX, XXXX and XXXX ). I noticed that an unauthorized alleged debt for an unsecured loan with the balance of {$14000.00} was placed on my consumer report from Upgrade dated on XXXX XXXX XXXXXXXX I, hereby state as a natural consumer have never authorized or gave consent for this alleged debt that is misleading and inaccurately reporting by this company. I do not recognize this alleged debt, and upon of asking the company for debt validation including my wet signature, thumb print, photo ID, original contract ( s ), my authorization and consent of this alleged debt of {$14000.00}. I do not know how this company has had access to my social security number.as I never given it to them. My consumer right as a natural person states that as the original creditor I can only validate debt and this alleged debt does NOT belong to me as I've never given any consent and no consent for it to reflect upon my consumer report. This matter has caused me such stress and XXXX. I have emotional distress due to the fact that this alleged debt of {$14000.00} placed on my consumer report shows that I am not protected as a consumer from XXXX, XXXX, XXXX or this company. This alleged debt is causing harm against my livelihood as I can not be approved for mortgage loans to purchase a house for my family, I have been denied credit and this alleged debt has negatively impacted my debt-to-income ratio and I can not even afford my current rental home. This company has invaded my privacy, is defaming my character and credit worthiness. This company is in violation of 15 U.S.C. 1692a, revoking my rights as a consumer, a natural person who is obligated on or allegedly obligated on a debt, 15 U.S.C. 1692f, 12 CFR 1006.34, notice for validation of debts, 15 U.S.C 1692g, Validation of debt, as I have sent a debt validation letter to this company on XX/XX/XXXX and they have not responded. Exhibit A is presented within the portal of a certified letter with return signature has been sent to the address listed upon my consumer report of this company. This company has not sent me any evidence or proof that I signed or consented to this alleged debt or given any evidence requested on my behalf on how this debt belongs to me. I will conclude that Upgrade is either unwilling or unable to furnish original FACTUAL documentation with leading and actual evidence of myself authorizing the alleged debt.
Product: Checking or savings account

In XXXX I opened 2 accounts online at Citizens bank website as I received a promotion to open accounts with an offer code to receive {$600.00} when I meet the requirements. I reviewed my statements and never received the promotion offer as I met the requirements. I called citizens bank on XXXX and a team member told me that he can not look into to it because they do not have my account application in file that shows my promotion code. I explained that I did in fact know that banks have to file my records and he said no they do not and I asked to submit a complaint and he refused. I then I asked him again that why and he began to to say bye thank you for your feedback and refused to take my complaint. I then asked for his name which is XXXX and he then proceeded to say let me look into this. I noticed that this department had a long wait time and this department was specifically for bonus offers not paid. I suspect this department has not been submitting cases and XXXX the rep wanted to rush me off the phone until I stated I want this complaint to be file and I want a complaint number. I have not received a call from citizens bank but I believe they are scamming customers into opening accounts with promotion codes and not following the guidelines and terms. I want this to be escalated immediately and this has caused me stress and I believe Im being discriminated against
Product: Credit reporting or other personal consumer reports

Subject : Complaint against Transunion Dear Consumer Financial Protection Bureau, I am writing this formal complaint against Transunion in hopes of seeking resolution regarding the reporting of negative claims on my consumer credit profile. I believe that certain claims have been inadequately or un-demonstratedly asserted, and I am deeply concerned about the accuracy and integrity of their reporting practices. 
My primary complaints are as follows : 1. Failure to Ensure Accurate Reporting : I firmly believe that Transunion has not taken adequate measures to ensure that my consumer credit report profile is reported factually, ethically, and in compliance with federally-defined timeliness. The reporting should also be physically verifiable and validated, adhering to the mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without any omissions or deviations. 

XXXX. Deviation from Established Reporting Standards : Based on my understanding of XXXX 's XXXX manual ( see XXXX XXXX ), any deviation from the Metro2 standards jeopardizes the integrity of the data. I am concerned that Transunion may not be adhering to these established standards, which raises questions about the credibility and reliability of the reported information. 

XXXX. Lack of Documented Proof : Despite my attempts to contest the reported information, Transunion has not provided sufficient documented proof confirming the accuracy and compliance of the negative claims asserted against me. As a consumer, I have the right to demand evidence of reporting appropriateness and adherence to regulatory requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 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 ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? 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 CORRECT or REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts XXXXendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$230.00} XXXX XXXX XXXX : {$270.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

On XXXX/XXXX/XXXX My checking account with Navy Federal Credit Union was negative {$89.00} and I had several transactions pending, which I knew would cause several overdraft fees if left as is. That day, I checked my account balance several times throughout the day to make sure the pending transactions were not yet released. So that evening around XXXX I believe I made a CASH deposit of {$90.00} via branch ATM and I was then at a positive balance of XXXX cents. I have the receipt to prove it. Next day I check my account and find they XXXX hit my account for {$60.00} in overdrafts, with additional overdrafts to come due to the negative balance now. Cash deposits are instantly credited, and I had the money in before the pending transactions cleared. The bank simply blew me off, stating the transactions had already processed but I dispute this and my receipt is proof. And the fact it was a Monday, I know nothing happened over the weekend. I also made a deposit with a negative balance and have that receipt as well to prove what it looks like to deposit to an already overdrawn account, as they tried to say it was the first time around. I spoke to the branch XXXX I think her name was XXXX XXXX. And she could n't explain why my receipt shows a positive balance before and after cash deposit, when their argument was the overdrafts were already assessed.
Product: Credit card or prepaid card

Several years I've tried to

ge t a Home Depot credit card but I'm always denied for an inaccurate reason. Today was the first time I've spoken to an agent that I could understand. I have Good credit yet they constantly put me on hold and then ask is there another number that I can receive text I reply no. I have one mobile number and one home no matter which I give I'm denied.

Each time I'm being denied my scores drop. I'm being unfairly denied for some personal reasons by Home Depot Credit Services. The credit card services CITI Bank told me it was Home Depot decision although I have a credit card from the same provider. 

Dates : XXXX thur XXXX denied Home Depot  : untruthful and misleading
Product: Debt collection

I have requested multiple times for ECSI to provide validation Debt since that is my right.
Product: Checking or savings account

my wife XXXX XXXX has a checking account with wells fargo, she told me this malignant bank ripped her off with absurd overdraft fees with money still in her account? This is NOT hard to comprehend knowing what scumbags run this bank?
Product: Student loan

I have been unable to work since 2008, and have applied for XXXX since I first learned of what was happening to me only to surprisingly learn that while my Federal student loans have all been forgiven ( mailed at the same times ), that my XXXX private loan does n't believe I used them for school ( that 's who they mailed the check to NOT me ), that my XXXX is stopping me from working, and the latest is that they ( Navient ) would gladly help me but never received the forms, and that my XXXX paperwork can not be found and to resubmit the forms ; which sounds reasonable if I had n't done so several times already when they were XXXX, and now I wonder who has my personal medical information, if they 're worth the strength and energy ( even thinking on things wears me out at times ; typing this I feel fatigued ) to gather what they ask for again, and if it too will vanish after I mail it to them. My minimum payments have increased {$50.00} to {$120.00} because they say I 've used up what deferments I was eligible for, again I 'm unable to work which they then just remind me of how missed payments will have to negatively affect my credit/be noted as defaulted and fall on my co-signer, my co-signer fell on hard times before my medical condition even ocured and I tried to pay to get them off when I was employed, working, and paying extra to ( when I took ill and depleted my income ) be told I did n't pay enough times for them to release her and now I see that my current deferment already has $ XXXX due in interest from less than 2 months of deferred payments that resume at the beginning of next month. I try to prioritize my bills, with a now limited income coming in and plan to pay what I can when I can, but it 's hard to get to their demanded monthly amounts. ANY help would be great, thank you in advance.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on My Credit Report Dear CFPB, I am writing to formally dispute inaccurate information on my credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681. I have attached copies of supporting documents ( e.g., payment records, correspondence, identification ) to substantiate my claim. Under FCRA 1681i, you are required to investigate and correct or remove any inaccurate, incomplete, or unverifiable information within 30 days.

Please provide me with a written confirmation of your findings and any actions taken. Please confirm receipt of this letter and provide an update on the status of my dispute. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing 6 fraudulent Accts on my Equifax credit report for 3 years. Below are name and amount of accts. 

Dept of Ed/XXXX {$3000.00} Dept of Ed/XXXX {$1400.00} Dept of Ed/XXXX {$4300.00} Dept of Ed/XXXX {$8400.00} Dept of Ed/XXXX {$4600.00} Dept of Ed/XXXX {$10000.00} I have sent notarized letter to XXXX , copy of SScard, picture of ID so they could analyze my signature, Police report to Equifax and XXXX to prove Identity theft and these accts still remain . These accts are NOT mines please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

please find attached the letter from macys for which they have approved of the delinquency being inaccurate and are willing to remove the negative mark from my reports XXXX and XXXX have already removed except XXXX, they are not cooperating, please help this inaccuracy to be deleted from XXXX report thank you
Product: Debt collection

I have sent a letter to Convergent Outsourcing because I want to settle my outstanding debt. However, I have not heard from them. I would like to settle for at least half of the balance outstanding and have the collection remove from my credit report. Please assist me. I am trying to do the right thing.
Product: Checking or savings account

Truist Bank charged a duplicative NSF fee based on charges that were already included in the prior balance. On XX/XX/XXXX, my grocery account balance was {$210.00}. On XX/XX/XXXX, the balance was - {$2.00}, which included a " pending '' XXXX charge ( {$33.00} ) and two actual debited charges from XXXX ( {$52.00} ) and XXXX ( {$120.00} ). My account was charged a {$36.00} NSF, understandably so. On XX/XX/XXXX, I deposited {$100.00} in the account, and the XXXX charge was then actually debited ( {$33.00} ). However, Truist charged an additional {$36.00} for the XXXX charge ( {$33.00} ). When I called the bank to inquire about being charged twice for a single debit, I was advised that I was charged once for XXXX and once XXXX. When I asked how is that possible when the pending charge from XXXX was included in the balance that was previously charged the NSF fee? I was told that it didn't matter that the pending XXXX charge was already included in the balance. Once the charge is actualized, I will still be charged. My complaint is that, if this pending charge is what caused my account balance to be too low for the XXXX and XXXX charges, then why would I be charged again when the charge actualizes? It would make sense to me if the pending charge was not included in the prior balance, but because it was included, Truist can get around charging me twice by saying that the first NSF fee was tied to the XXXX charge rather than the XXXX charge b/c it was only pending at the time. However, were it not for this pending charge being included in the ACTUAL balance, this never would have occurred. Truist refused to refund the 2nd NSF fee, which is why I am filing this complaint. I believe that this is an unfair practice for consumers, and I can't be the only person this has happened to. If a pending charge is included in the prior balance which incurs an NSF fee, then once the charge actualizes, they shouldn't be able to charge consumers a second time.
Product: Credit reporting or other personal consumer reports

I am experiencing significant distress and frustration due to multiple fraudulent accounts appearing on my credit report. This situation is severely impacting my creditworthiness, which is XXXX  as I am in the process of purchasing a home for my family. Despite numerous attempts, I have been unable to have these accounts removed. Compounding this issue is the fact that my personal information was compromised in recent Experian and XXXX breaches. I had anticipated that my consumer report would be protected in the wake of such incidents, but this has not been the case. 

The presence of these fraudulent accounts is not only damaging to my financial reputation but also constitutes a clear violation of federal law, specifically under 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ), which mandates the fairness and privacy of consumer reports. My trust in the banking system and credit reporting agencies to uphold my privacy and ensure fairness has been severely undermined. This breach of federal consumer rights is causing me considerable emotional and mental distress. 

Furthermore, it is unlawful for these companies to furnish personal information to third parties without consent. This act of negligence and fraud has been reported to both the local police department and the Federal Trade Commission. Given the severity of these violations, legal action against the involved companies and credit bureaus is a viable option for redress. The inaccuracies in your database are not only negatively affecting my livelihood but also placing me in an untenable position. I am prepared to initiate litigation if these erroneous items are not promptly rectified. Also please remove the two late payment 's reporting on my Experian, and Transition credit repot as they are inaccurate and should be reporting all the same across all three credit reports please update and report as never late paid as agreed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ( Case XXXX ) I have been impacted by XXXX, ( ID XXXX XXXX ), my SSN being used as a personal gain. I have reported the criminal activity to the appropriate authorities. My file keeps showing over time FCRA violations : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) I am complaining about the handling of my identity theft claim, and to bring to your attention the impermissible access of my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). I have discovered that the fraudulent account had been opened in my name without my knowledge or consent. However, there is no legal admissible evidence to verify the accuracy. I am requesting the fraudulent items are removed immediately : XXXX XXXX XXXX : Opened : XXXX : {$6300.00} XXXX XXXX  : Opened : XXXX : {$640.00} XXXX XXXX  : Opened : XXXX : {$1700.00} XXXX XXXX  : Opened : XXXX : {$230.00} XXXX XXXX XXXX XXXX XXXX : XXXX : {$820.00} XXXX XXXX XXXX XXXX XXXX : XXXX : {$520.00} XXXX XXXX XXXX XXXX XXXX : XXXX : {$96.00} XXXX XXXX XXXX XXXX XXXX : XXXX : {$90.00} After discovering this unauthorized activity and receiving mail about these erroneous collections, I took steps to protect my credit files and identity to prevent more damages.
Product: Credit card or prepaid card

Why does the Target MasterCard hold your payments hostage for almost *3 weeks* without releasing your funds? How is this possible when my credit card accounts with XXXX XXXX and XXXX take no more than 2 days *at most*? How can this company take {$980.00} ( paying in full, early ) out of my bank account on XX/XX/2020 and not release my funds for 17 days?! What is the point of this " use it everywhere card '' if I can't use it? 

I made a second payment ( in full, early ) for {$1300.00} on XX/XX/2020 - my funds are immediately removed from my bank account, and then I'm told it won't clear until XX/XX/XXXX?! 

I was warned by XXXX I was " hitting the limit '' of my card, which caused a significant drop in my credit score, and its simply not true. I paid - IN FULL, AHEAD OF SCHEDULE - twice, and my funds are held hostage for so long it considers it to overlap and deny the use of my card for several weeks. Go ahead, check my credit history - its good. Im never late and I don't owe. 

This company was happy to immediately rip {$2300.00} out from my bank but can only tell me " there are lots of factors why [ my funds ] aren't available '' - but when asked, they fail to tell me what they are " because we cant see '' what effects my account. So who CAN see? No one?
Product: Debt collection

XXXX XXXX, 2017 CFPB : JPMChase needs to provide me, for ARM Loan XXXX, the Documentation for the amounts : Total Fees Assessed {$1100.00} ; Total Fees Paid {$480.00} ; Total Fees Waived {$690.00}. These amounts appear in JPMChase ' Response dated XXXX XXXX, 2017, to CFPB Case XXXX, which has JPMChase Reference Number XXXX. JPMChase took ALL my Financial Documentation, including, but not limited to, ALL my Mortgage Documentation. I require Documentation, including JPMChase Internal Documentation, if necessary, to explain these three ( 3 ) amounts. If Documentation is not provided to explain every penny of these amounts, then I want JPMChase to refund to me the {$480.00}, that, JPMChase asserts, I paid. Said Documentation is to include ALL Computations involved, including Intermediate Results. <P/>Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX