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

im having some very weird issues with my credit scores and the discrepancies amongst the three bureaus and my FICO score. The range of my score is so vast and the information is so different on all three I dont know whats real and I dont know how Im being denied credit. My main issue is with Trans Union. I am very frustrated because I can not log into my account the website keeps refreshing and asking me for my information over and over when I phoned them trying to get someone in customer service I can not get anyone to talk to unless I give a robot all my information like my Social Security number my birthday my address and that is not OK. 

I really could use some help determining why my score is so low when the credit card companies give me my letter of denial the score they give me is way off and so low from what I see when I log into XXXX or XXXX  XXXX. Also, theres information on my credit report that shouldnt be there anymore and I am very ineffective and getting it taken off. I have disputed it it has been resolved and yet its still on there really negatively affecting my life.
Product: Credit card

Citibank , N.A . has closed XXXX of my accounts under the FALSE ACCUSATION that I made frequent payments from unknown sources. 
When I challenged them and attempted to explain that the XXXX payments I made in cash were done in an attempt to keep my XXXX XXXX as high as possible because I was obtaining a mortgage, their reply was that didn't have to give me an answer as to why they closed my accounts. 
I have always paid all my bills on time and my XXXX XXXX was in the high XXXX 's. 
I see this as corporate malice against me for having such a high XXXX XXXX and an attempt by them to lower it. 
This is discrimination!!! 
I ask for your help!
Product: Credit card or prepaid card

I have a XXXX balance late account from US BANK I never opened an account with them. XXXX XXXX says its a prepaid card. I need it removed from my credit. This account was never mine. I have disputed it with US BANK several times and they wont remove it.
Product: Checking or savings account

I made a mobile deposit into my checking account ending in XXXX, This deposit was for {$780.00}, I was charged a fee of {$15.00} for immediate funds availability, and was given no choice not to pay the fee. I called them because I do not need the funds to be available immediately and was told that the product, and " Express '' checking account is charged expedited fees on all mobile deposits and that it was in the agreement when I opened the account. I asked for the documentation, and was directed to : https : XXXX XXXX XXXX The representative indicated that paragraph XXXX of this document states that mobile deposits will be subject to an expedited availability fee. This paragraph is as follows : 1. Check deposit transactions processed inside a branch will be free and subject to standard availability rules as outlined in the Deposit Accounts Rules and Regulations. The immediate funds option may be exercised if expedited availability is preferred. Check cashing restrictions and fees may apply.

This paragraph does not specifically reference Mobile deposits, just deposits in general and includes language that seems to infer a choice in whether to pay the expedited availability fee, " The immediate funds option may be exercised if expedited availability is preferred. '' Nothing in the balance of this document that references Mobile has anything to do with deposits. 

In a more extended document about Deposit accounts Rules and regulations, the language about deposits indicates that expedited availability is a choice.

" ( a ) Personal Accounts. Check deposits made at one of our branches, by ATM, with a Bank employee, or using Mobile Deposit will be made available to you on the first Business Day after the day we receive your deposit. Checks deposited through Mobile Deposit using the immediate funds option will be available on the Business Day we receive your deposit. Funds from all other check deposits will generally be made available to you no later than the second Business Day after the day we receive your deposit.

Again this paragraph does not indicated that one must use immediate funds option, again showing choice in the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : XXXX XXXX XXXX XXXX-Balance : $ XXXX-Date Opened : XX/XX/2018
Product: Credit reporting or other personal consumer reports

I am formally disputing the account listed as RESURGENT/LVNV FUNDING ( Account # XXXX ) on my credit report. This account was previously removed from my report but has now been reinserted without proper notice, violating the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ).

According to FCRA guidelines, if an account is reinserted after removal, I must be notified within five business days. Since I did not receive any such notice, this reinsertion is unlawful, and I request immediate deletion of this account from my credit report. 

Furthermore, the Consumer Financial Protection Bureau ( CFPB ) is currently suing LVNV Funding for deceptive debt collection practices. Given this legal action, the legitimacy of this debt is in question, and I request full validation. Under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), XXXX must verify this debt with the original creditor, not just rely on the debt collector 's reporting. 

I am requesting the following : Proof of Proper Reinsertion Notice If this debt was lawfully reinserted, provide documentation that I was notified within the required timeframe. 
Complete Validation of the Debt Provide the original creditors name, a detailed payment history, and proof that LVNV Funding legally owns this debt. 
Immediate Deletion If XXXX can not validate this account per FCRA requirements, I demand its immediate removal from my credit file. 
Failure to comply with these legal requirements will leave me no choice but to escalate this matter with the CFPB, FTC, and my state Attorney General for FCRA violations. Please resolve this dispute promptly and provide a written response within 30 days, as required by law. 

Sincerely,
Product: Debt collection

2 loans from affirm was added to my credit. Due to identity theft. About {$450.00} in debt. XXXX internet was also put in my name with debt of {$400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I informed TransUnion in writing via certified XXXX mail that they're reporting unauthorized inquiries on my consumer report. As of XX/XX/2021, I have not received a response to this matter.
Product: Debt collection

I C SYSTEM INC on behalf of XXXX XXXX is trying to collect {$75.00} for an account that was closed since XX/XX/2021.
Product: Payday loan, title loan, or personal loan

Enter store to browse products to support a local new business. Find hedge trimmer ( value {$40.00} ) and laptop ( value {$200.00} ). Decide to finance instead of cash payment. Employee tells that I am approved for {$5000.00} line of credit. Employee tells that I can pay it off at {$26.00} per pay period until the SALE PRICE of {$240.00} is paid off. Employee did NOT inform me that I had to pay it off in 90 days, or suffer the consequence of a payoff amount of nearly TRIPLE the value of the original equipment being financed. This is predatory, unfair business practices and this company should be shut down. Period. 

I have paid to date, at the time of filing this complaint, {$310.00}. The loan is satisfied. I do NOT want a refund and I will GLADLY return the equipment, which has seen minimal use since purchase. I want OUT of the rest of the payments as scheduled. I will NEVER EVER use this company or its credit agency again. And, I will be sure to inform ALL of my friends, family, and associates about its business practices. 

This ( attached ) lease agreement that I " signed '' has an electronic signature that was typed in by the EMPLOYEE, not me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

acct. name XXXX XXXX XXXX ACCT. # XXXX XXXX XXXX XXXX # XXXX ONLINE INFORMATION SER # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

My identity was fraudulently used, and I 've been trying to correct issues that were made against me, instead of placing a simple call, the act was repeated, I 've since placed a police report on my file explaining what has accrued, but, the inaccuracies or still there. 
They have lowered my credit scores numerous of times without even checking the facts. Serveral or should I say, numerous Inquiries against me are unjustified, and EQUIFAX has neither checked or corrected their claims.
Product: Credit reporting or other personal consumer reports

In reference to the following accounts : XXXX ) XXXX XXXX XXXX XXXX account # XXXX alleged amount : {$3400.00} XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX, last XXXX of account # XXXX alleged amount : {$11000.00} XXXX ) XXXX XXXX  last XXXX of account # XXXX incorrectly reporting late payments for : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX last four of account # : XXXX incorrectly reporting late payment ( s ) for : XX/XX/XXXX and XX/XX/XXXX. 

In accordance with the fair credit reporting act, the above list of accounts has violated my federally protected privacy and confidentiality under 15 USC 1681.

15 USC 1681 section 602A states I have right to privacy.

15 USC 1681 section 604A section 2 : states a consumer reporting agency can not furnish an account without my written consent.

15 USC 1681C ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency person knows or has reasonable cause to believe that the information is inaccurate.

15 USC 1681c ( A ) ( 5 ) : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years.
Product: Debt collection

SW Credit Systems  is violating both the Fair Debt Collections Practices Act as well as the Fair Credit Reporting Act.  SW Credit Systems  is using deceptive practices to collect money from me and they need to be investigated.   I obtained copies of my credit reports and noticed a listing from  SW Credit Systems . I did not authorize  SW Credit Systems  to obtain my credit file . SW Credit Systems  never sent me a letter stating that they obtained my credit file and that they were going to place this account on it. I then sent  SW  Credit Systems a validation letter to prove that they own this debt they claim I owe.  SW Credit Systems t hen sent me old statements from  XXXX .  SW Credit  Systems did not send me a purchase agreement, bill of sale or any type of proof that  SW Credit Systems  is legally entitled to collect anything from me. To this day , SW Credit Systems  is still reporting this account on my credit file and trying to collect money from me . SW Credit Systems  deceptive tactics are malicious and intentional.   The account I am referencing is  : SW Credit Systems  Acct #  XXXX
Product: Credit card or prepaid card

on XX/XX/2021 I called the Banana Republic Synchrony Bank Visa CC to advise that I never received any communication regarding the bill being due. 

I spoke with a representative who stated that I must pay the whole bill in full, which was {$72.00}. This amount included a late fee of {$40.00}. The customer service representative stated that the {$40.00} late fee would be refunded, but that since the account was showing as past due, the entire amount had to be paid in order for the late fee to be refunded. I paid the {$72.00}. 

The {$40.00} late fee was never refunded. 

Since that time, another purchase was made, totaling {$34.00}. I should have had a {$40.00} credit on my account from the late fee refund, which would mean that I did not owe anything ; however, the late fee was never refunded which resulted in a balance and another late fee of {$34.00}. 

Now today, I made another payment of {$71.00} that includes this new late fee of {$34.00}. 

At this point, I have received 2 late fees that should be refunded. The 1st one being {$40.00} in XXXX, that I was advised would be refunded, and the 2nd one being {$34.00} which ocurred because the 1st one was never refunded as advised.
Product: Checking or savings account

I am writing to formally complainabout the denial of the {$500.00} promotional bonus that I was promised upon opening my account online, following the instructions provided in a letter I received from Citibank before dated XX/XX/XXXX. 

Per the instructions in the letter, I opened an account online and deposited {$30000.00}, which was a requirement to qualify for the {$500.00} bonus after three months and 20 days. I took great care to follow all instructions precisely and repeatedly verified with your online customer service representatives that my account setup met all the promotional requirements. 

However, after the qualifying period had passed, I was informed by both bank tellers and telephone customer service representatives that I am not eligible for the bonus. They requested that I provide the original letter with the promotional details, which I no longer have. 

As a loyal Citibank customer, I am disheartened by this experience. I believe Citibank 's internal systems should have records of the promotional mail sent to me, as well as the multiple confirmations I received from your customer service representatives on line. Despite this, and after multiple attempts to resolve this issue both online and in-person, I am still being denied the {$500.00} bonus.
Product: Money transfer, virtual currency, or money service

I wired {$30000.00} to Coinbase on XX/XX/XXXX. The funds didn't show up on my account. Since then, the customer service looked at the cases a couple of times to collect more information which I provided in time. But somehow, they closed my case on XX/XX/XXXX without any real resolution ( I haven't got my funds back anywhere ). I have reopened my case but after four business days no one has followed up my case. 
My support case ID is XXXX.
Product: Consumer Loan

On XXXX/XXXX/XXXX my XXXX XXXX XXXX son received a loan for XXXX on a 2011 dodge ram 1500 at XXXX XXXX XXXX in XXXX TX and it was financed through Chase Bank with no income verification and he was unemployed. This loan should never have been done. This was unfair and misleading lending practices. When he came home with a new vehicle I was in shock and immediately pushed him to get a job which enabled him to make XXXX payments and then he was again unemployed and in good faith he called to postpone a month of payments until he started working again. He postponed them through XXXX, which is the XXXX party vendor that was debiting his account. He thought this was enough as he had limited financial experience. To our dismay on XXXX/XXXX/XXXX Chase took the truck stating he was only XXXX payments behind. XXXX was holding on to XXXX payment to send to Chase and he was ready to make the next payment on XXXX/XXXX/XXXX and he would be caught up. Numerous calls were made to Chase to explain the unfortunate situation in which they offered no support. They entered into a loan unfairly and then decided to ruin a child 's future with bad credit instead of working with him to keep the vehicle and yes he was only XXXX payments behind to be caught up in 3 days. The only option Chase is giving now is to refinance the truck when we just want to keep and pay the loan directly to them, even offered a monthly auto debit from his account. Why would Chase take such a hard stance on a child when they should never have done the loan to begin with. On my end I taught my son a lesson and he is prepared to pay the vehicle on time every month and accept his responsibility and Chase will not give him the option. I work for another financial institution and 2 months behind is not enough to seize property. Seems to me Chase wants out of the loan that was done unfairly to over their end and I want them to admit the error and allow him to keep his vehicle and pay his debt. No one at Chase will budge or listen.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance : {$25000.00} XXXX XXXX XXXX  Balance : {$0.00}
Product: Credit card

Product : XXXX Date of transaction : XXXX XXXX XXXX XXXX XXXX Since last 2 months bed bath and beyond have been cancelling our oder after saying it will be delivered soon. Numerous phone calls and conversations with them assured us that our oder will be delivered this day/that day but in the end they keep our money for weeks and just cancel our order without any prior intimation. This has caused us a lot of pain and frustration having not received the product since last 2 months eve after their assurance. I would request you to kindly look into this and help us. We really would like the order to get delivered to us since we spent lot of time to search for this as well. I am pretty sure they do this with their other customers as well as they keep selling the same product on their website. we would like not only to get the product delivered to us asap but also in addition refund whole amount of it alongwith the interest for the duration they kept our money XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a XXXX for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these Items. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} EQUIFAX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card or prepaid card

Beginning in the month of XX/XX/XXXX my prepaid American XXXX card fees are higher. My card could not be used as advertised. It consistently declining at stores with funds available. In XX/XX/XXXX. I disputed transactions that amounts were wrong, I was charged 2 times for the same service and unauthorized transactions. My card was replaced but my money from the dispute was not replaced. On XX/XX/XXXX I called about another transactions that I did not authorize and the other disputes from XXXX. The representative was rude another representative put me hold for an hour never transferred my call to the fraud department or came back to the phone. One representative asked me for the transactions from the dispute in XXXX. I login my online account and could not find any of the transactions that I disputed. Like it was deleted erased never existed.
Product: Debt collection

Re : Dispute of Account Number : XXXX ( XXXX XXXX ) To Whom It May Concern : I am writing to dispute the validity of the debt listed on my credit reports with TransUnion, XXXX, and XXXX, under the account number XXXX, associated with XXXX XXXX. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 USC 1692g ( a ) ( 2 ) ), I am demanding that you provide me with the name of the original creditor of this account.

Furthermore, in accordance with 15 USC 1692g ( a ) ( 1 ), I am requesting validation of the amount of the alleged debt, along with a detailed breakdown of how this amount was calculated. Please note that this request is solely for the purpose of verifying the accuracy of the debt amount as mandated by law.

I am also aware of my rights under the Fair Credit Reporting Act ( 15 USC 1681b ), the Fair Credit Billing Act ( 15 USC 1666b ), and the regulations set forth by the Consumer Financial Protection Bureau ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ), as well as the Fair Debt Collection Practices Act ( 15 USC 1692c, d, e ).

I expect your agency to conduct a thorough investigation into this matter and provide me with the requested information within the statutory timeframe of thirty days. Failure to do so may result in legal action to ensure compliance with the aforementioned laws. 

Please confirm receipt of this dispute letter and promptly initiate the investigation process. 

Sincerely,