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

This company made a grave error that caused a devastating effect on my credit file. I already disputed these with the credit bureaus before but they refused to fix the error they 've made. Incorrect information such as wrong addresses, phone numbers, accounts, and inquiries has been reported in my credit file. All these information do not belong to me and should n't have been reported on my credit file. Despite my efforts on fixing these errors, these credit repository remained negligent and noncompliant. I only moved to XXXX XXXX XXXX, XXXX XXXX, CA last year and this is the only address associated with me. They only phone number that should be reported is my phone number ending in XXXX. This is the only phone number I ever had. Experian also reported an account from XXXX XXXX XXXX opened last XXXX 2015. This is not my account. I am a victim of this credit bureau 's mixed up files. attached to this complaint is a letter from XXXX stating " that my credit file might be combined with someone else who has a similar name '' This company has mistaken me for someone else. This is my last effort to have this bureau fixed before I get a legal counsel involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to state that this is complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my XXXX credit report recently and found an unauthorized inquiry reporting on my credit report. I wrote XXXX a letter on XX/XX/XXXX to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. Much to my dismay XXXX wrote me a letter back stating that " we wont process your request ''. ( because they think that I did not write the letter of dispute myself ). I am a trained XXXX with very high education and i am able to write my letters of dispute without need for a third party. 
XXXX is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist. 

COMPANY : TOYOTA MOTOR INQUIRY DATE : XX/XX/XXXX Attached is the letter i wrote to XXXX and the letter XXXX wrote back to me refusing to process my dispute. 
i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.
Product: Checking or savings account

In XX/XX/XXXX I signed up for a Bank of the West checking account with a XXXX dollar bonus if I made more than 1500 dollars of payroll deposits into the account in a 4 month period in a row. According to my statements I satisfied this requirement in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and even XX/XX/XXXX. However they never paid out. I talked to a rep on the phone in XX/XX/XXXX and they told me Id see the bonus in my account on XX/XX/XXXX. This didnt happe so I called again the first week of  XX/XX/XXXX and asked what happened. The rep told me the XXXX dollar bonus would be in my bank account the last day of XX/XX/XXXX. This never happened. Finally I emailed on XX/XX/XXXX and got a respond on XX/XX/XXXX that they did some research and they dont know what happened. I just want that XXXX dollar bonus
Product: Debt collection

BANK OF AMERICA - Account is not mine. No knowledge of it, no legal obligation for it and no information as to its origin.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX Bank Credit Card Opened XX/XX/XXXX is Showing a 30 day late payment for XX/XX/XXXX I have provided the billing statement below to show proof I was never late in XX/XX/XXXX.
Product: Debt collection

I received a letter from a collection agency about a bill from 3 years ago. Not sure what it is. The Agency only gave me date of service and name of physician. I wanted something in writing for additional information. I never received a bill previous to this. I found out that the supposed original creditor went into bankruptcy and then shut down and this agency obtained the accounts receivable. The medical test in question seems suspicious and very costly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Ct XXXX Ga XXXX Phone XXXX XXXX XX/XX/year> XXXX XXXX Department XXXX : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear XXXX, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. Im deeply concerned that my dispute may be mishandled in a similar manner.

Please review the Inaccurate Information being report : 1. Under the FCRA, you are required to : Conduct a proper investigation into my dispute. 
Inform me of the results of your investigation in a clear and comprehensible manner. 
Provide me with any documentation you rely on if the disputed information is verified as accurate. 
Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report.
Product: Credit card or prepaid card

i experience hardship due to the being in between jobs. I have had this card for a while always paying on time no problems until now, thankfully i started a new job but was late to make my payment. As a courtesy i asked if they could remove the late fee. they firmly said no without explanation or cosideration.
Product: Credit reporting or other personal consumer reports

Every single XXXX XXXX XXXX XXXX account that Is reporting on my consumer report is incorrect and needs to be removed. Every negative alleged account is reporting inaccurately, and erroneous which is grounds for removal under the Direct Violation of 15 USC 1681 Reporting incorrectly. Please have them do a full complete investigation on my credit report, please dont just have them do it by eoscar, my life is depending on my good credit. Every inaccurate account is unauthorized and needs to be removed ASAP.

This debt collector and credit reporting agency engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit reporting or other personal consumer reports

I received my XXXX credit report and One Main Financial has an account listed as potentially negative. The information is inaccurate and incorrect and fraudulent. The report is saying the original amount of the account was {$8900.00} which is totally different from the amount shown on XX/XX/XXXXXXXX XXXX XXXX XXXX  when it says the account was originally opened. 
It shows 30 days past due for XXXX XXXX XXXX XXXXXX/XX/XXXX, however, it clearly states that the account payments were managed by a financial counseling program where there were auto-debit payments being received by One Main Financial and they received the first payment on XX/XX/XXXX. 
Secondly, the balance showing as of XX/XX/XXXX is showing {$7600.00} however the negotiated and ACCEPTED offer by One Main Financial is for the amount of {$4000.00} which has NOT been updated. 
I believe this is fraudulent activity with One Main Financial and they have no intention of being a company of their word to stick to the negotiated offer.
Product: Debt collection

XXXX XXXX XXXX and this is the number they called me from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made aware equifax hasplaced an extended fraud alert on my credit file for a second time without my knowledge or consent. I made a written request to have all fraud alerts removed from my credit file and included the documents in the attached file to show proof of identity ( passport, state issued Mass commission for the XXXX ID and cable bill with addresses clearly visible. The response from them is also included in the file I submitted. Asking for the exact items I submitted several times prior
Product: Debt collection

Hello, This debt collection company called AFNI Contact Us XXXX Toll Free XXXX Afni, Inc. 
XXXX XXXX XXXX, XXXX, IL XXXX Manage your Account Online XXXX AFNI keeps calling my number 10 times a day repeatedly almost every half hour from XXXX. Usually the numbers are all from ( XXXX ) area codes. The agents that call me sound like they are all from XXXX or another foreign country. It started this XX/XX/2019-Present. When I answer they agents ask for me and say they are collecting a debt but they wont say what the debt is for and they ask me for my credit card and personal information. I never received any written correspondence from AFNI via email or to my residential address etc. Ive never given them any other important info either but somehow they got my cell phone number and keep harassingly calling me everyday. The fact that AFNI has not given me any documentation on what I supposedly owe over phone or via mail makes me think this debt collection company is a scam. I would like it to stop. Ive told them to stop calling me because they dont give me any info as to what I owe. It seems illegal and they are trying to commit fraud. I could sue them for harassment and take them to court.
Product: Payday loan, title loan, or personal loan

The XXXX XXXX XXXX has Over-Debited my account and Falsely Reported Negative information on my credit report. I have spoken to Several XXXX and XXXX XXXX Managers on several occasions trying to resolve all issues pertaining to being Overcharged by the XXXX Why not Lease Program. I have Vividly communicated that the XXXX Why Not Lease Program Over-Charged me and when I asked for a refund, My Request was ignored, and Multiple XXXX XXXX Scam Affiliate Companies Have Falsely Reported Derogatory information on my credit report. I developed an understanding with XXXX XXXX XXXX, that while we are working on this matter together that there would be no false or inaccurate information reported on my Credit report. I have been deceived many times by XXXX XXXX XXXX. 

Purchase XXXX Order XXXX, XXXX Payment Method : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Led HDTV XXXX Shop your way points Redeemed : {$100.00} I will also submit attachments with Bank Records, Attorney XXXX , And Why Not Lease Paid in Full Documents.
Product: Credit card

I have fraudulent charges on my Citibank card from an XXXX company. I have never used XXXX. I do not have an account with XXXX. I tried contacting XXXX and they dont know me they dont have my email they know mean they dont know me at all. Citibank texted me with the charges that were pending from XXXX saying in the text that they looked fraudulent. I responded and said yes they are. They are not me, it took them a while to stop the charges because the card was in my digital wallet for Costco Citibank card and then it wasnt until the Monday following XX/XX/XXXX and XXXX that they Citibank pulled the card out of my wallet with me on the phone with them and I okayed that and then that stop but since then Citibank has trouble verifying me as the person calling to try to figure out whats going on They text me at my phone number and I dont get it. They text my husband at his phone number and he dont get it and theyve given up trying to resolve it so all I can do is go online and look at my app I may not talk to anybody about my Citibank Costco card account though because they cant verify me. Dont ask me why Ive had the same phone number. Ive been a customer Since XXXX there should be no reason why they cant verify who I am and Im not happy with their service because they told me right after it happened on a Monday that it was pulled. Somehow it was charged on my in my digital account.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX ) XXXX Account XXXX
Product: Credit card

I am writing to file a formal complaint against Santander Bank regarding an ongoing issue with my credit card account. 

In XX/XX/2024, I submitted a claim for {$310.00} related to a product that I was promised but did not receive. Santander Bank credited my account with this amount on XX/XX/2024 ( based on my cc statement, there is no post date for this refund credit ). However, on XX/XX/2024, the credited amount was reversed, and I was recharged the same amount. 

Since then, I have repeatedly contacted Santander Bank 's customer service to reopen the dispute. I was instructed to email XXXX with documentation supporting my claim, which I did on XX/XX/XXXX and again on XX/XX/XXXX ( attached below ). Despite this, my issue was not resolved. When I attempted to file another dispute over the phone, I was informed that the case could not be reopened because it was marked as resolved. 

Frustrated, I informed the representative that I would escalate the issue to the Consumer Financial Protection Bureau. Subsequently, on XX/XX/2024, I was contacted by a supervisor named XXXX. She assisted me in filing a new dispute and agreed that the transaction should be credited back. However, the case was later closed with the explanation that it was " more than 120 days '' since the original claim, implying that it was now ineligible for resolution. 

This entire process has been fraught with inefficiencies and poor communication from Santander Bank 's customer service. Their inability to address and resolve this issue in a timely manner, coupled with their refusal to credit the amount back to my account, is both frustrating and unacceptable.

I am requesting the Consumer Financial Protection Bureau 's intervention to ensure that this matter is resolved and that Santander Bank addresses its customer service failures. 

Thank you for your attention to this matter.
Product: Credit card or prepaid card

I made by payment of XXXX from my XXXX personal checking account onXXXX. The funds have been taken from my acct but, the Capital One rep tells me there is a 7 day hold on the funds. This beyond insane when they have had the funds since this morning.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act they have violated my rights 15 U.S.C. 1681 section 602 A states I have the right to privacy.

15 U.S.C. 1681 section 602 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting

I would like to place a complaint regarding TransUnion and the practice of reflecting duplicate collections for XXXX alleged item that is below {$600.00}. There were duplicated collections reflected on my TransUnion Credit Report in XX/XX/XXXX. The debt collector was posting duplicate items for XXXX account. I had to file XXXX disputes with the XXXX agencies ( XXXX, XXXX and TransUnion ) since the debt collector reported duplicate collections. XXXX and XXXX deleted XXXX of the XXXX the collections. However, TransUnion only deleted XXXX out of the XXXX. As of XXXX XXXX, there is another duplicated collection. This practice of filing multiple or duplicate collections drives my credit report extremely low. I was also never provided evidence of the collectible item for any of the items on XXXX.
Product: Checking or savings account

At what point in time will CPA enforce action against Marcus Bank? On XXXX I filed a complaint XXXX as I received an email from Marcus Bank informing me that I needed to contact them. I did so and previously provided all RECORDED phone conversation with times/dates, etc to you. After being transferred from one confused Marcus employee to the next, the conversation ( last ) ended with a woman named XXXX code : XXXX ... she indicated that a Manager would most definitely call me on my cell number : XXXX XXXX XXXX within 3-5 business day... Well today is XX/XX/year> and rest assured and make NO mistake about it ... .I carry my cell phone with me always ... NO ONE from Marcus Bank ever contacted me as committed on a recorded line about this " issue '' that I am left in complete " limbo '' about... I have NO idea what the problem is and what the reason is that I got such an email stating I needed to contact them right away on XXXX. It is well over 3-5 business day ... Meanwhile, get this : Yesterday, XXXX I received a generic letter from Marcus. Unsigned, and referenced NO account number ... The letter said, " in response to my recent inquiry '' enclosed are the documents I reequested.. Affadavidt of Identity. Number 1... .at NO time, did I ever request any document from Marcus Bank # 2 ... ..all that I was waiting for was a simple promised phone call from a manager telling me the reason I got an email on XXXX stating to contact them right away. This bank ( Marcus Bank ) has displayed a pattern of utmost " insanity '' " confusion '' " incompetence '' and " poor bank records '' and " incompetent employees ''. Their MUST be some form of enforcement action from your agency. I am the consumer!! Please also refer to the complaints filed at the end of last year! Look at the horrendous mistakes they made on my prior complaints. I am asking that this problem be resolved and that I am informed " what the problem is '' " what account '' and " why '' I recd a letter alleging I asked for documents. Again, all phone calls can easily be pulled and listened to to prove my case! Pure insanity at this bank to say the least!
Product: Debt collection

NCB Mangement Services , Inc. has harassed me and my employer since XXXX calling after day four to five times a day. Calling my grown children on their cell phones and on XXXX XXXX, 2017 called one of my children at work and got him in trouble because he is not to have phone calls at work, he has told him number of times to quit calling him and in the phone call of XXXX XXXX, 2017 the person from NCB Management told him that he was a debt collector and was trying to collect a debt that I have. I have mailed them today a letter asking them to stop calling my employer, my children cell phones and call my children on their job sent it return receipt. They have my number and my address this debt does not belong to them they call them everyday and leave phone mails to the point of harassing them for something that does not involve my children
Product: Debt collection

XXXX XXXX has an active false {$1400.00} debt for collection with THE CBE GROUP and the latter has reported it to XXXX as shown in my personal credit record. I have never had any contact or business relationship with XXXX XXXX  or with THE CBE GROUP. They are damaging my reputation and my opportunities for credit with information that they know it is false and does not pertain to me at all. They are abusing the credit reporting system to hurt me and to try to collect money that I have never owed to any of these two companies. THE CBE GROUP is acting with malice and has no evidence of this false debt being mine.
Product: Credit card or prepaid card

I have received conflicting information from PenFed on having the interest rate reduced on my PenFed Promise Card. At one point, I was told that if I submitted an application to have my credit reviewed for a credit line increase, this would automatically trigger an APR review. After that, I was told that the only way to get a lower rate is by applying for a new card. As such, I applied to see if I could get a lower rate ( application # XXXX ) and had the agent put in the notes that I was applying for a lower rate on my existing Promise card. I was approved for a lower rate, 12.49 %, which is somewhat substantially lower than the current 15.24 % that I currently pay on my Promise card. That said, they will only give me this rate if I open a new card, not apply it to my existing card. This makes no sense and serves no legitimate purpose since their underwriters have decided that I qualify for this lower rate and can clearly change rates since they do for things like penalty APRs, etc. By requiring the opening of a new card, it harms my credit because I lose the 2 year history I have with my current Promise card AND my credit takes a hit for a new account - even though it is essentially the same account. I want the 12.49 % applied to my current Promise card.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. Here is the item that I am asking you to verify as accurate. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ....
Product: Credit card or prepaid card

On XX/XX/XXXX I owed {$24.00} on a Citi Bank Shell gas card and believed that I had paid it. When they sent an email notifying me and I discovered my mistake, I paid it on XXXX and attempted to call customer service but was unable to speak with a representative so I sent a note asking them to waive any late payment fee. My next bill added a fee of {$26.00} and finally a fee of an additional {$40.00}, which was eventually removed. I sent a letter of appeal on XX/XX/XXXX explaining that it seemed ridiculous to charge more in late payment fees than the initial bill that was owed. When I finally was able to speak with a representative, she explained that the {$40.00} was removed but that according to their policy only one fee could be credited. My argument was that it should have been the original {$26.00} and that I had sent a note asking for it to be removed. I was told that notes were not accepted and that I should have spoken to someone, which I tried to do. As a result, my XXXX XXXX has been affected for a XXXX XXXX payment that was mistakenly passed due but paid. It was my first late payment since getting the card in XXXX. It is insane that late fees should ever be higher than what is actually owed.
Product: Credit reporting or other personal consumer reports

reached out to company to report the fraudulent account. also requested a fraud packet from them in order to get the matter resolved. i have not been able to reach the companies and they are reporting to my credit which is affecting my living situation.