23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX complaint # XXXX. 

This is unacceptable!! That's the same story we've heard for years ; then they never respond formally. They leave harsh, demanding words in my voicemail.. And they threaten to take XXXX to court if he doesn't pay as soon as possible, and they've been threatening for many years! We need to have this resolved because it's preventing us from purchasing a home. They have all the proof they need ; I guess if you as a government agency, that works for the people instead of the collection agencies, are giving them 60 days we have no choice to take them to court. We don't have money to pay any court costs but we're gon na have to scrape up from somewhere. I beg you to please don't give them anymore time they'v had plenty of time to make some calls, and by the way this is the third time we've sent these documents throughout the years.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT ACT XXXX XXXX ( XXXX XXXX ) ACCT # XXXX 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE 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.
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 

Below are the accounts I am requesting to be reinvestigated : Account Name : XXXX XXXX Account Number : XXXX
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

1. Under the FCRA this account may not appear on my credit report if it can not be supported by any documents / evidence. 
XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

2. You sold this account to a COLLECTIONS AGENCY. This made me VULNERABLE to IDENTITY THEFT. 
XXXX  XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 




Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWARE THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA AN ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGANIZATION BELOW : CC : XXXX XXXX ASSISTANT DIRECTOR OF ENFORCEMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX  CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX placed an alleged debt collection onto my consumer report without sending proper notice to dispute before it was added. Since XXXX, Experian, and XXXX are required to furnish accurate information they were also required to send out a notice for me to opt out or verify this information.
Product: Checking or savings account

On XX/XX/2018 I was charged XXXX in over draft fees. Furthermore here was a fraudulent charge in the amount of XXXX dollars and XXXX cents. I then again was charged another XXXX dollars for over draft fees on XXXX the XXXX, although there should have been enough funds to have covered the balance for an atm withdrawl. I went into a branch and the representative advised me to get a new card in which I did and at the time the representative advised that I call to dispute the fraudulent transactions but each time that I do, they hang up on me, transfer me to the wrong department Or no one end up picking up the phone. I then went in and tried to go into a branch for a second time to resolve the issue at XXXX located close to my house and they denied me entrance because they had told me they were closed yet, the door showed that they closed at XXXX. Poor customer service and illegal fees is all this bank has done for me. I am requesting for all the fees to be reimbursed immediately and for the fraudulent charge that was done on my previous account to be credited as well.
Product: Money transfer, virtual currency, or money service

On [ date ] around XXXX XXXX, I visited my local Bank of America branch to confirm a large wire transfer could be processed smoothly. The branch manager assured me there would be no complications. I first sent a {$5000.00} test wire, which required a phone identity verification call, but ultimately succeeded. At about XXXX XXXX, I initiated a {$90000.00} wire to the same brokerage account. Fifteen minutes later, the banks wire transfer division called me again. During this call, the employee behaved unprofessionally by threatening to terminate the call and place a hold on my account if I continued expressing urgency or using strong language ( not directed at the employee personally ). Despite my repeated explanations that the wire was time-sensitive for a trading opportunity, the employee ended the call and locked my online banking access. 
As a result, the {$90000.00} wire did not reach my brokerage account before the market closed, causing me to miss a significant investment opportunity. I had informed both the branch staff and the employee on the phone that any delay would lead to substantial financial losses. Eventually, after multiple calls and escalations to a corporate representative, my account was unlocked, but it was too late to complete the transaction in time. This avoidable delay and the employees unprofessional conduct resulted in missed market gains and caused me substantial financial harm.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 section 6 o 4 a section 2 ). It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 a {$17000.00} wire transfer was sent by me from my bank, XXXX, to SunTrust bank in XXXX Florida. 
This money was initially reported as not found by SunTrust. After many months, I was sent a check for {$16000.00}. I was missing {$230.00}. 
SunTrust would not respond about this shortfall. XXXX Police contacted SunTrust and were told there was no account. 
I ask for my {$230.00} refund.
Product: Credit card

On XX/XX/XXXX, I used my Care Credit credit card to pay for a XXXX XXXX  at XXXX XXXX XXXX in XXXX. However, on the day of the XXXX, XX/XX/XXXX, the doctor refused to proceed with the procedure due to the discovery of XXXX XXXX XXXX XXXX XXXX, which I was not previously aware of. As a result, I I was only able to obtain an appointment for XX/XX/XXXX with the XXXX in XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Given the circumstances and the medical issue at hand, I communicated with the merchant/provider through email, expressing my preference for a refund since the delay was related to a serious health concern. The person I was corresponding with confirmed that this was acceptable and assured me that I would receive a refund within 1015 business days. She mentioned that my details would be forwarded to the refund department for processing. 

Despite this assurance, I did not receive any follow-up or refund. I continued to email the provider but received no response. As a result, I decided to dispute the charge with Care Credit. I submitted all relevant documentation, including my email correspondence and medical reports ( XXXX XXXX XXXX XXXX ), to demonstrate that I was not responsible for the issues that arose and that I did not receive any services. 

Furthermore, I never received a signed contract from the service provider, nor did I receive any services from them. I have disputed this charge four times now, but Synchrony Bank ( Care Credit ) has not honored my extended dispute rights for a service I never received.

This situation has caused significant stress in my life and has had a negative impact on my mental and physical health. The ongoing uncertainty and the financial burden of a service I never received are contributing to unnecessary anxiety, which in turn is affecting my overall well-being. As I try to focus on addressing my health concerns, the continued lack of resolution regarding this refund is only adding to my medical issues and making it harder to move forward. 

I am requesting that Care Credit properly address this situation and issue the refund as promised by the service provider, as I believe I have followed all necessary steps in this dispute process.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I decided to take a look at my credit report. I noticed inaccurate reporting for XXXX XXXX XXXX I disputed this account immediately when the balance was {$520.00} and closed. The account was then updated as being OPEN and with a balance of {$520.00}. I disputed it again and the balance was updated to {$530.00} and 66 months late with XXXX and 24 months late with Transunion. XXXX saw the inaccuracies and deleted the account but XXXX and Transunion have not responded. This account is inaccurate and I have given them the chance to delete the account from my credit report. I have the right to have a 100 % accurate credit report.
Product: Credit reporting or other personal consumer reports

Please assist in deleting these items from my credit report XXXX  days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

The CFPB NEEDS TO INVESTIGATE THIS NOW!!! My name is XXXX XXXX DOB XX/XX/XXXX. When I spoke to the rep and paid this account in full once out of the hospital, he just me 100 % All that was owed on my account back to XXXX was a {$35.00} late fee that I filed a Reg Z dispute for and THEY NEVER RESPONDED!!!!! I ENDED UP WITH OVER A {$200.00} BALANCE OVER NOT PAYING A {$35.00} LATE FEE I DISPUTED. Then here is the best part- IT WAS WAIVED WHEN I PAID THIS ACCOUNT IN FULL BECAUSE IT WAS INVALID!!!! XXXXCommenity Bank is in violation of UDAAP, Reg Z Billing disputes and FCRA! They continue to report my account past due for XX/XX/XXXX!!! They clearly know I had XXXX  in early XXXX and did not get out of the Hospital and back to normal until early XXXX!!! NO ONE WOULD TALK TO MY HUSBAND TO GET ME ANY HELP ON MY ACCOUNT!!!! THEY SAID HE WAS NOT ON THE ACCOUNT AND COULD NOT ASSIT HIM!!! HE THEN PASSED AWAY FROM XXXX  IN XXXX BY THE TIME I COULD GET IN CONTACT WITH MY VICTORIA SECRET I HAD {$100.00} 'S IN LATE FEES AND MY CREDIT IS RUNIED!! 

They told me, oh had they been aware, there was options that could had prevented all of this!! Well my husband tried making them aware!! They would not talk to him!!! The same for my Victoria Secrect Account! 

I almost died from XXXX  AND THESE XXXX UP LENDERS DO NOT CARE ABOUT THE CONSUMER!!! THIS IS UDAAP!! HOW COULD I WHEN ON XXXX XXXX CALL ANYONE AND THEY WOULD NOT TALK TO MY HUSBAND! ONCE I COULD, I PAID THIS ACCOUNT IN FULL AND THE COLLECTION REP SAID, MY CREDIT SHOULD BE CORRECTED, BUT I WOULD NEED TO FILE A DISPUTE FOR BOTH THOS ACCOUNT AND XXXX. HE SAID SOMEONE SHOULD HAD TALKED TO MY HUSBAND AND I SHOULD HAD BEEN OFFERED THE ASSISTANCE OPTIONS THAT WERE AVAILABLE!!! 

I PAID THIS ACCOUNT IN FULL AND THEY TOLD ME MY CREDIT SHOULD BE FIXED NOW FIX IT!!! I HAD TO CREMATE MY DAUGHTER WHO DIED FROM XXXX LAST MONTH BECAUSE THESE CARELESS XXXX  RUNIED MY CREDIT!!! I COULD NOT AFFORD NOR GET A LOAN TO GIVE HER A PROPER FUNRAL!! THEY NEED TO BE HELD ACCOUNTABLE FOR THIS!!! 

OH - THE REG Z VIOLATION IS THEIR FAILURE TO RESPOND TO MY BILLING DISPUTES I ISSUED TWICE!!
Product: Checking or savings account

A quick background on me : my wife and I are near retirement age. We each have credit scores of over 800. We ALWAYS pay our XXXX credit card bills each month. We own our house. We are very secure financially. 

So why do I write this letter? To call out a large financial institution that chooses to work against the best interest of their customers. 

Here 's what happened : Two years ago I went into overdraft on my Citibank Checking " Plus '' account. I believe this overdraft occured when I moved money into my son 's college account. I'm guessing the account was in deficit for less than XXXX XXXX 

Here 's my problem : I believe that Citibank uses a highly suspect business practice. Even when my account bounced back into positive territory a day or so later ( and averaged approximately {$20000.00} for many years ), the bank chose not to notify me in a meaningful way. They chose to gamely take my money, {$1400.00} in interest, for over two years. And they would still be charging me interest if I didn't happen to stumble upon this outstanding debt. 

My question is : WHY ISN'T THE CONSUMER NOTIFIED WHEN INTEREST IS ACCRUING AGAINST THEM? Credit card and mortgage statements are very clear about notifying the customer, giving them options for payment. Why should CITI get a free pass here? Shouldn't the consumer ALWAYS be notified if they're in arrears? When I say " notify, '' this means a SPECIFIC notification, not just a monthly statement with interest accruing charges unseen by me for 2 years. 

When I wrote CITI 's corporate headquarters, they 1 ) flatly refused to discuss any compromise or refund, and 2 ) muddied the waters by denying that this practice was " discriminatory. '' ( Very strange - I never accused them of discriminating against me. ) What they pointed me to was a single line item, " Checking Plus '', at the VERY bottom of my home landing page. Well, I NEVER look at this remote place online. When I go online to my CITI account, I see my account at the top, and I click on it to do my online bill paying, etc. I don't scroll down to a line item ( that I didn't even know I had! ) Why can't they be required to notify their customers that they're in arrears on overdraft interest? Why can't a letter or email go out? Why can't a banner appear at the top of the online account page? Why not a message alert? I think I know why, it would lose this megabank lots of easy money! 

I ask that the CFPB do a deep dive into CITI 's overdraft policies. I believe they are designed to reap a steady flow of well-disguised interest charges from unsuspecting customers. 

Thank you very much. 

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

I would advise you that the company 's actions in refusing to correct the violations and inaccuracies on your credit report, and then subsequently changing the information that was reported, may be in violation of several provisions of the Fair Credit Reporting Act ( FCRA ).

First, under section 611 of the FCRA, credit reporting agencies ( CRAs ) have an obligation to investigate disputes submitted by consumers and to correct any inaccurate or incomplete information that is discovered as a result of the investigation. By refusing to correct the inaccuracies on your credit report, the company may be in violation of this provision.

Additionally, under section 616 of the FCRA, CRAs are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information in a consumer 's credit report. By changing the information on your credit report without conducting an investigation or without providing notice to you, the company may be in violation of this provision.

Furthermore, under section 615 ( a ) of the FCRA, CRAs are required to provide consumers with a notice of their rights under the FCRA upon request, including the right to dispute inaccurate or incomplete information in a credit report and the right to receive a copy of the credit report. By not providing you with such a notice, the company may be in violation of this provision. 

refer to the picture that BEFORE and after our conversation.
Product: Credit card

American Express is still charging company credit card holders late fees and companies hold employees responsible for late fee payments, the payments are around {$39.00} and many of my team members have been impacted by this especially given the payment timing is difficult to manage through the company reports payable. Please help with the matter, as it is a corporate loophole they are still using given it probably wasnt covered under the recent consumer protection clause that holds fees around {$8.00}
Product: Student loan

I have been harassed by this company called Navient for the past 3 to 4 months about XXXX dollars that I don't owe them because I am still in school. I studied XXXX away from the University XXXX for a semester. Filled out and sent in a deferment letter and these people continue to harrass me to the point they are calling me at XXXX at night on a school night when I have to study for exams and do homework.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax will not remove account XXXX that was placed on my credit file when my credit file should have been protected during COVID-19 in 2020. The balance is also inaccurate please assist by removing
Product: Credit reporting, credit repair services, or other personal consumer reports

Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Exclusions mean the process or state of excluding or being excluded and left out of and not be included. 

The definition of a credit card under 15 USC 1681 is the same as it is under 1602 ( I ) which states, The term CREDIT CARD means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or service on credit. Notice, Congress said ANY card. 

The credit card is my social security card. This is the credit card is used to originate every consumer credit transaction in my dispute letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing incorrect information on my credit reports since XX/XX/2020. I have been disputing continuously with all three bureaus on multiple occasions. I still have not received a response from them most of the time, this is unacceptable! Equifax, XXXX and XXXX need to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information. I have included my previous disputes since they have been sent 3 times with no responses.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, a buyer wanted to buy my set of wheels I was selling ( {$2200.00} ). The buyer then asked for my email to send the money. Once he said that he sent the money, he was told that my account needed to be upgraded into a business account so he paid an additional {$500.00}. I was then told to send him {$500.00} back in order to release the money that XXXX was holding, so I did. Then i was told to send another {$500.00} to release the money. After all that I tried to reach out to them but I think they may have blocked me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 15 USC 1681 section 602a states ; I have a right to privacy.

15USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instruction
Product: Debt collection

This company calls anytime of the day or night. I have asked them to not call after business hours or on the weekends, they continues to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies are not authorized by me to run the credit. do not authorize these inquiries on my credit.