23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I went into chase bank and XXXX XXXX  early today and they denied my ability to open a new account ( representative payee account for my sons XXXX back pay. My chase account was shut downs years ago due to inactivity because of hospitalization. I didnt have a negative balance on the account. I also had a XXXX years ago but it was shut down, but I cant remember the reasons because I was young and very unaware, that to this day it will haunt me because of past accounts and not all due negative balance. I dont belong on this list. I need help.
Product: Credit reporting or other personal consumer reports

Formal Complaint Letter to Consumer Financial Protection Bureau ( CFPB ) Re : XXXX XXXX XXXX Credit Reporting Violations To Whom It May Concern, I am writing to file a formal complaint against XXXX XXXXXXXX XXXX regarding inaccurate and unlawful credit reporting practices that are negatively impacting my credit profile and causing me significant emotional distress. 

The account in question is XXXX XXXX XXXX  Credit Card Account # [ Your Account Number ], which was charged off on XX/XX/year>. Despite the charge-off status, XXXX XXXX XXXX  continues to report the following inaccuracies on my credit report : XXXX. Monthly Late Payments After Charge-Off Date The account was closed and charged off in XX/XX/year>, yet XXXX XXXX continues to report late payments every month following the charge-off. 
XXXX. Balance Re-Aging The balance was recently updated to reflect a higher amount after I disputed the account through the credit bureaus, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 3 ).

3. Closed Account Reporting as Open The account is being reported as closed with late payments each month, which is misleading and damaging to my credit score. 

XXXX XXXX XXXX Compliance Guidelines, creditors are not permitted to update balances or report late payments on charged-off accounts after the date of charge-off. This practice is commonly known as re-aging and is a blatant violation of the FCRA. 

Additionally, this inaccurate reporting is causing me emotional distress and worsening my mental health condition. I am currently undergoing treatment for XXXX XXXX XXXXXXXX XXXX XXXX ), which was triggered in part by financial hardship. The ongoing inaccurate reporting is making it difficult for me to move forward and rebuild my credit. 

I have disputed this information directly with the credit bureaus, but XXXX XXXX XXXX has not corrected the inaccuracies. Instead, they have updated the balance to a higher amount, which feels like a retaliatory action. 

I am requesting that the CFPB investigate this matter and compel XXXX XXXXXXXX XXXX  to : XXXX. Correct the reporting to reflect the accurate charge-off date with a {$0.00} balance or the original charge-off balance. 
XXXX. Remove all late payments reported after XX/XX/year>. 
XXXX. If the inaccuracies can not be corrected, delete the account entirely from my credit report. 

These violations are causing financial and emotional harm, and I seek any appropriate compensation for these damages under 15 U.S. Code 1681n for willful noncompliance with the FCRA.

I appreciate your time and attention to this matter and look forward to your assistance in resolving this issue. 


Im disputing both XXXX and Credit Acceptance. Credit acceptance is reporting an open account to my credit report when the account was discharged in XXXX and paid off by trustee who took over ownership of the account. Credit acceptance also gave me a XXXX car note after this one which was paid in full. Im requesting credit acceptance to remove the account in full from all three bureaus.
Product: Debt collection

I am writing to request that you remove the fraudulent account that was opened using my identity from my credit report. I recently discovered that someone had stolen my personal information and used it to open this account without my knowledge or consent. 

I have already taken steps to report the identity theft to the appropriate authorities, and I am working to dispute the fraudulent charges associated with the account. However, I would also like to request that you remove the account from my credit report as it is damaging my credit score and financial well-being. 

I understand that you may require additional documentation or information to verify my claim, and I am willing to provide whatever is necessary to support my request. I would also appreciate your prompt attention to this matter, as I am eager to resolve this issue as quickly as possible. 

Thank you for your understanding and cooperation in this matter. 

Sincerely, XXXX, XXXX
Product: Debt collection

Key Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Prepaid card

Bought two visa XXXX XXXX  gift cards and the magnetic stripe did not work on either one.
Product: Credit reporting

I 'm having some major issues with an outdated, past the statue from the XXXX and unverifiable account listed on my credit file. The accounts XXXX # XXXX - Outdated and no XXXX # XXXX Outdated and no XXXX # XXXX Outdated and no verificationCredit Protection # XXXX - Not even mine I have current service with XXXX and my account is always paid as agreed or they would cancel service
Product: Money transfer, virtual currency, or money service

On Wednesday, XX/XX/XXXX I used the XXXX app to transfer funds from my personal account to that of a friend, to pay for a hotel room cost in the amount of {$160.00}. I was immediately notified on that day by XXXX that the transaction went through and the funds were subsequently removed from my account the same day. I then go on my vacation the following weekend and I am using my debit card the whole time while away. I returned from my trip on XX/XX/XXXX and was notified via email that day by XXXX that the charge had never gone through and that my account with them was now frozen, but that they would " cover '' the cost until I could pay them back. Now, my first issue is that the funds were immediately removed and it should not take 5-6 days for XXXX  to process that. XXXX  waited until I had no funds in my account available to charge me, then tried to penalize me for their delayed processing of the transaction. Recently on XX/XX/XXXX, my friend XXXX XXXX, tried to send me money through the XXXX app as a surprise and before I could tell her that account was frozen, XXXX took the funds and is essentially holding them hostage until I pay the {$160.00} to them. This is a complete violation of mine and my friend 's rights and we would like to recover both the {$160.00} and the {$75.00} owed to us by XXXX. My friend XXXX XXXX has nothing to do with my XXXX account issues and XXXX  should never have been able to receive the funds in the first place to a frozen account. This has now given them the ability to keep a third parties funds hostage until another parties debt is paid and that just seems like a blatant violation of our constitutional rights as consumers. I also have all of the emails from XXXX  stating that the funds were paid out on XX/XX/XXXX as well as all subsequent emails from them since they froze my account ion XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account Number : XXXX Late Payment Reported on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX Account Number : XXXX Late Payment Reported on XX/XX/XXXX In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! 

Under Act 15 U.S.C. 1681 section 602 says " | have the right to Privacy ''. 15 U.S.C 1681 section 604 A section 2 " It also states a consumer reporting agency can not refurnish an account without mv written instructions ''.

Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open-end and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion will generally not answer a call and their staff members on incompetent. I have tried to resolve an issue that states " Account Security : Your account has been temporarily suspended ''. This has been on my account for over 120 days and is preventing me from obtaining credit. This has created a hardship for me. I have spoke to their associates and they say that they will send me a " password reset ''. I question them about it and they tell me that it will clear up the matter. Then I go through the entire hassle and it does nothing. 

If this company can not be responsive and can not fix issues that they created, then the Federal Government should enforce the penalties associated and eventually they will correct their behavior or be forced to close.
Product: Debt collection

A False claim of collections has been on my financial records for over two years. 

A false claim was reported to the Simmons Collection Agency. 

The Buisness ( a dance studio ) falsified records stating that I paid tuition for my XXXX children to take " recreational dance ''. This is not true. My Children were selected and I enrolled them, and paid for in full at the beginning of the year for the required classes for Competative Dance. 

I alerted them ( The Simmons Agency ) that the collection was false MANY TIMES. 

We hired a lawyer to communicate to the Collections Agency and the buisness it represents the Debt and impending Collections was fraudulent. 

I have calledSimons Agency many times. It has been almost 3 years of communication! 

Today I sent in even more supporting documentation asking them to take it off my credit report immediately. 

The Dance Studio that has made this Collection has falsified records and is being vindictive because they did not want to refund funds that they owe me including tuition, competition fees and costume fees. This is a false claim on my fanancial record!. It is on my credit report and is causing continual financial harm. We did not " drop '' dance classes as states in the contract. The girls were kicked off the Team in the middle of the Competition Season, after we paid for all fees, costumes and tuitions, in full, upfront.
Product: Debt collection

Asset Acceptance attempted to validate Alledged Account # XXXX XXXX XXXX XXXX after I sent a validation request to them via certifiedmail. Asset Accepance failed to provide the Original Contract withmy signature and failed to provide a litany of documentation such as proof that they actually own this alleged debt. 
AALLC continues to report this debt on my credit reports whichis deemed to be continued collection activities.I request that AALLCdelete this inaccurate, incomplete, injurious information from all mycredit reports immediately as I am compiling their multiple violationsof Pennsylvania Consumers Laws, FCRA and FDCPA. 
This company also illegally verified my credit disputes via the creditbureaus.AALLC has ignored all my attempts to rectify this situation. 
AALLC isbeing willfully non compliant and are fully aware of their violations.
Product: Student loan

Mohela, stated that my direct loans had been transferred to them they are unable to produce a master promissory note and continue to up the balance. First it was XXXX in XX/XX/XXXX then XXXX in XX/XX/XXXX now XXXX.
Product: Credit reporting

Equifax is showing a XXXX account open for {$46000.00} but they sent a XXXX and wrote this off. Account balance should be XXXX. I have sent copies of the XXXX twice to Equifax. 
This was removed from my husband 's account but not mine.
Product: Credit card or prepaid card

I have been charged excessive fees and interest charges of 29.24 percent base upon a late fee that was not late but continue to charge trailing interest fees to my account even though they corrected the error and credit my late fees. Also my total American Express balance including pay overtime balances was all paid Off in full on XX/XX/XXXX by my credit union, therefore the total balance was paid in full. Why was a new charge of {$5300.00} added to my billing statement in pay overtime portion billing statement XX/XX/XXXX? I ask many times about that balance no concrete answer, but they continue to roll over that pay over time balance and it continue to increase and the fees and interest continue to increase, Why? That pay overtime should have not been applied to my account billing statement. That is fraud and double billing because that balance was already paid off on XX/XX/XXXX which it still on my billing statements but with increase balance and fees and interest charges. Also on XX/XX/XXXX a payment was made on the due date but American Express added a late fee charge of {$29.00} dollars stating my payment was late and added increase interest fee rate at 29.24 percent with a continuing trailing interest. I was added interest to payment that was not late they even credited back to my account both times and on XX/XX/XXXX but still continue to charge interest at 29.24 percent towards the double billing balance on the pay over time balance and change it to pay overtime direct and pay overtime Select. Which is new. On many occasions I inquired about that double pay overtime balance but I was ignored. They never corrected the double billing. Please address this matter to XXXX XXXX. XXXX ( XXXX  ) telephone number is XXXX because Im not getting nowhere with customer care persons. I sent documents directly to the department where it stated on the billing statement if you think a mistake has been made on your billing account send in documents, which I did several times at one time  they said they didnt receive any documents but I have the post office tracking numbers receipts, then they say oh we got the documents but still ignored my claim of double charging of pay overtime balances along with fees and interest
Product: Checking or savings account

On XX/XX/2021 I noticed three pending transactions on my debit card which were made in the state of Washington ( I am in California ). I immediately phoned U.S. Bank Fraud Dept. and reported the charges. The representative confirmed that a recently issued Debit card had been used without a PIN. I was told that the card would be immediately canceled and provisional credits would be issued for the unauthorized charges. The credits appeared within 24 hours but then disappeared the following day and the pending charges were deducted from my account. I have made several calls as to why the pending charges were allowed to post and the credits removed. No response and no accountability. I am a working person who must meet a rent obligation on XX/XX/XXXX. I have been Banking with US Bank for 8 years and am shocked at the complete disregard for Customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which statesthat continued reports of the unverified information without any proof provided, within thetime allowed by law, is not authorized. The account listed below is still reporting on myCredit Reports and needs to be CORRECTED immediately : XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Information on Credit Report Due to Equifax XXXX Breach I am writing to dispute certain inaccuracies on my Equifax credit report that I believe are the direct result of the widely publicized data breach that your company suffered. As you are undoubtedly aware, the breach compromised the personal information of millions of consumers, including myself, leading to potential unauthorized activity on credit files. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the legal right to dispute any information in my credit file that I believe to be inaccurate, incomplete, or the result of fraud. Under 15 U.S.C. 1681i, Equifax is required to investigate any disputes and, if the information can not be verified as accurate, it must be corrected or deleted from my credit report. 

The following accounts and/or entries on my credit report are erroneous and likely linked to fraudulent activity stemming from the breach : XXXX XXXX  A According to 15 U.S.C. 1681e ( b ), Equifax is obligated to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. The presence of these inaccurate entries indicates a failure to uphold this legal standard, which has caused undue harm to my creditworthiness. 

I formally request that Equifax conduct a comprehensive investigation into these disputed items. In accordance with 15 U.S.C. 1681i ( a ), you are required to complete this investigation within XXXX days and provide me with a detailed report of the findings. If any information is found to be unverifiable, erroneous, or the result of identity theft, I demand that it be immediately corrected or removed from my credit report. 

Furthermore, if this dispute results in any corrections to my credit report, please ensure that these corrections are communicated to all other credit reporting agencies to which the inaccurate data may have been furnished, as required by 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ). 

Thank you for your prompt attention to this matter. I look forward to your timely response and the necessary corrections to my credit report. 
Sincerely, XXXX XXXX
Product: Debt collection

Credit was fraudulently extended to me under the pretense of a lease agreement but the items can not be returned.
Product: Debt collection

I have been mislead by Wakefield and Associates. I have been actively paying old medical bills. I received an summons and called immediately to resolve my account. I even faxed my lengthy court summons to my case manager XXXX and inquired why wasn't the debt included with my other accounts. I also questioned the age of the debt being past statue of limitations and she initially seem confused about an summons being issued to me. It took her some time to research the summons being issued which is why I faxed over the documents. XXXX informed it was NOT necessary to go to court and we would continue our payment arrangement. She never mentioned that court cost would be tact onto my medical bills owed. They also apply payment from newest to oldest debt. Which I stressed the oldest debt should have received payment first hence the result of the summons. I disputed the court cost of {$120.00}, directly on their website and made a {$50.00} payment towards my medical bill. I logged in today to pay the remaining {$61.00} that was owed and discovered my payment was applied to court cost added in XXXX of 2020. This is unfair and unjust. I was informed the court fees would not be removed. Now XXXX claims she never advised it was not necessary to come to court, I had opportunity then to dispute this, refer to my packet and made a snide remark that the court summons got my attention for payment. I requested that my payment be applied to the medical bill and was informed it would take a week for the adjustment. Even with hardship, I have paid {$660.00} to them. I have attached the cover sheet of their summons indicating " You are welcome to contact wake & associates, inc to discuss this matter prior to your court date. Please note that although we can discuss your account and payment of them, we can not provide you with legal advice. please be advised that that costs, what may be awarded, have been incurred and are not specifically included in the suit balance. If you contact our office immediately, you may be able to avoid additional court costs ''. 

I reached out immediately for arrangements and made payment. Court cost fees is unfair and unjust. I have paid previous medical bill garnishment with this company in the past. This company is money hungry.
Product: Credit reporting

My husband recently died a tragic death. He had a XXXX credit card that I was not aware of. He was the primary cardholder. If I was an authorized user I did not know it. I gave XXXX notice of his death ; provided information to close out his homeowner and auto insurance and started a new account with XXXX. I was in the early stages of refinancing our home and a derogatory credit comment showed up on my credit report XXXX : my deceased husbands XXXX credit card. I called XXXX and spoke to someone in the credit card department and explained the situation to them, I was told there was no derogatory or negative information on my credit from them, I was referred to the credit dispute department : Credit Bureau Dispute over Deceased Accounts and I was told to fax a letter to them, they will review, and it will take approximately XXXX days before it is removed from the respective credit bureaus. I completed all that I was told to do and the letter was faxed XXXX XXXX, 2015. It still remains on my credit report and refinancing my home is on hold. I have not anything further from this department XXXX.
Product: Checking or savings account

Truist bank sent me a checking account promotion with up to {$400.00} bonus. 

I am interested and applied online, the application was declined without an explanation. 
I have perfect credit score, I have a job, and own a home. So I went to the branch to open the account, they rejected me 5 times at the branch, 1st time : I was rejected because I didnt bring in XXXX card. 
2nd time : I was rejected because I didnt bring my passport 3rd time : I was asked to come back next day, because it was XXXX, they dont have time. 
4th time : I was rejected because I didnt bring in the promotion letter, which has the code 5th time : I was rejected because although I have drivers license, XXXX card, and passport, but my name is different from the name on the letter, even though the address is the same, even after I told them the name was wrong, nobody live in that address has that name. 

I think Truist bank sent me a deceptive promotion, they dont have any intention to follow through the offer for me, even after I exhausted everything I can do. I also suspect they discriminate me on race and country of origin. All 4 trips I went to their branch, they were cold and unfriendly. The experience is humiliating, the banker met me on XXXX XXXX disrespect me. 

The branch location is, XXXX XXXX XXXX XXXX, XXXX, AL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX {$88.00} XXXX XXXX XXXX XXXX - Comed XX/XX/XXXX {$860.00} XXXX XXXX XXXX Closed Credit Card Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX Closed Credit Card Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Closed Credit Card Opened XX/XX/XXXX XXXX Illinois University XXXX XXXX Opened XX/XX/XXXX ( Been Reporting for over 18 years ) XXXX/XXXX  Other Opened XX/XX/XXXX XXXX/XXXX Other Opened XX/XX/XXXX XXXX XXXX XXXX  Credit Card Opened XX/XX/XXXX XXXX/XXXX Other Opened XX/XX/XXXX Discharged Chapter XXXX Bankruptcy Reference # XXXX Individual Responsibility XXXX XXXX XXXX Credit Card Opened XX/XX/XXXX XX/XX/XXXX