23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Case ID XXXX in reported on my credit as a pending status owed of {$6000.00}. I 've sent documentation showing it was dismissed so that it could be removed from my credit. Each time they replied that it 's accurate not even looking at documented proof that the public record should be removed so I have been turned down twice for mortgage loans because of this inaccurate reporting.
Product: Credit card

The credit card REVVI requires a program fee of {$95.00} to activate the card for use. 
I paid the fee and my card would not work. I spoke with them and they said the card was not activated and they would activate it. I tried after that and it still would not work. I called back and thet said they would deactivate it and reactivate it. I stayed on the phone while I tried to use it again and it still would not work. I tried 4 placess. 
XXXX said declined. 
XXXX said not able to use XXXX XXXX  said security # was invalid XXXX said there was an error with the card. 
They said they did not know why it would not work. 
I requested to have my program fee returned and the account closed. 
I asked for a confirmation after they agreed to do so. I was told they could not provide a confirmation. I have now seen reviews that this has happened to multiple people after paying the program fee was paid and that the card would not work. After asking to close the account that they do not close the account. I have called this morning to confirm it was closed and was told yes but that they would start the credit for the fee. 
I spoke with a supervisor and asked why I was told they would credit back the fee and today it had not been processed. He said it had been and did not know why the other representaive said it had not been processed. At this point i can't believe them.
Product: Debt collection

I was told at the front desk of XXXX XX/XX/XXXX that there was no debt owed by me when I asked about the remaining balance. 
After three years I see that is is still being reported as late as XX/XX/XXXX. 

I did not know this was happening. 

No attempts to collect this have been made to my address with any communication, not letter or email. 

This has affected my credit rating for awhile and I am not certain that removing it by paying it will actually happen.
Product: Credit card or prepaid card

Bank of America, closed my credit card account with no notice either prior to closing my account or after. I have called more than XXXX times to find out the reason for the closure. I have explained the closing of this account is affecting my overall credit score over negative seventy points, many of the representatives simply say " Not my problem, or the bank 's problem. I have requested call backs from a member of Leadership, never received a call from anyone. 

My most recent attempt in obtaining at least a reason for the closure is : Emailing XXXX but of course there have been responses to these emails either. 

I have never been late, nor have I had any over limit events on this account, I normally pay {$100.00} over the minimum and many times much more than that. 

Additionally, when I have called I am told either the department that closed my account is either closed or too busy to take my call. 

I am trying to build my credit, and this just kills my credit. 

This account was opened about 4 years ago, and they closed the account around XXXX or XX/XX/2021 without any reason.
Product: Debt collection

Ive requested proof I opened this account, and that it is mine.
Product: Credit reporting or other personal consumer reports

I have noticed an unfamiliar account on my credit report that isn't mine. I believe this may be due to identity theft or fraud.
Product: Credit card or prepaid card

In XXXX my card was stolen and all th money was used.i notified the company as soon as I found out and they started the dispute and ultimately gave me a provision credit but reversed it a couple of weeks later. So the negative balance means that my weekly unemployment was feeding this over {$4000.00} balance so I lost twice the money. They said there was conflicting evidence and that was that the XXXX  who stole it went to some of the same stores I shop at but the thing is we live in a very small town and these stores are our only options so everyone here goes to the same places. The other charges were places I've never been shopping at. Fast forward to XXXX and I notice more charges I did not make and they are all online purchases I report them and the women says she started the dispute but never did. So about XXXX more was stolen from me and they wont fix this now. I filed another dispute but it was denied. My family has suffered enough now we are losing our home. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have written four dispute letters requesting proper verification of two debts reporting by XXXX XXXX and XXXX XXXX. I have written and sent four different letters to Experian @ XXXX XXXX XXXX XXXX, TX, XXXX all by certified mail tracking numbers XXXX deliverd XX/XX/XXXX, XXXX deliverd XX/XX/XXXX, one also sent and XX/XX/XXXX, & the last one XXXX delivered XX/XX/XXXX. In each letter, I requested the proper documents they have on file to verify each debt is mine, I also requested documents of an original comsumer contract with my signature on it, as well as asked to be given the name of the person in there company who verified the accuracy of each account. Each time, four different responses, the company responded that they contacted the creditor and verified the debt was mine but failed to provide any supporting documents nor the person info in the company who verified these accounts, just a response that did not meet the requirements by law giving them the right to report a debt on my credit file, illegally damaging my credit. Since they have not responded with proper verification nor have provided me any of the documents they have required by law to have on file for adverse accounts on an individuals credit report, I am asking for assitance with removing these adverse accounts XXXX XXXX {$930.00} and XXXX XXXX XXXX {$1400.00}. These accounts have not been properly verified therefore l, I am asking for them to be removed from my credit file.
Product: Student loan

On XX/XX/2022, I successfully submitted my application for XXXX XXXX XXXX XXXX and was instructed the application would be processed within 90 days. I have been employed with the XXXX XXXX for over 15 years and meet all the qualifications. To date, I have received no response regarding my pending application.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrongful systemic institutional XXXX has, and continues to rear it's ulgy head, again!!! XXXX has erroneously inaccurately reported my account number XXXX as 90 day late which is incorrect for 2 reasons : 1 ). I am/have NOT been 90 days late, or in fact EVER 30 or more days late making my monthly payment. 2 ). Due to the current pandemic I have been under a forbearance agreement which has been extended a additional 2 months. Also, per the recorded legal verbal consent from the XXXX representative I was clearly informed that there would be NO late payment/s, nor late fee assessments reported to the credit reporting agencies! In addition I have NEVER been contacted, or communicated, nor notified to arrange any repayment plan, loan modification, or extension of the forbearance plan arrangement
Product: Credit reporting, credit repair services, or other personal consumer reports

A old debt still remains on my credit report, Account XXXX XXXX Bank Account XXXX XXXX Account Type XXXX Bureau - XXXX Date Open - XX/XX/XXXX High Limit - {$7600.00} Monthly Payment - Account Balance - {$52000.00} Last Reported - XX/XX/XXXX Account Status - Charge - Off Amount Past Due - XXXX Account Designator - Authorized User
Product: Debt collection

Someone named XXXX called me on XXXX/XXXX/23 saying she was from XXXX XXXX XXXX and wanted to talk to XXXX or XXXX. Saying she will be in the office until 2 .I said this is a new phone number for me and she needs to stop calling me because I will say some unpleasant words..! Waking me up and I am XXXX. Talking stupid about a owed bill.I have a XXXX the phone number I was given was when I Lived in XXXX Va I guess whoever had the phone number owed someone money.
Product: Credit card or prepaid card

Apparently for as long as I am able to go back on my statements, American Express is not applying my payments to my cash advances correctly. I have been making thousands of dollar in payments however my cash advance balance is not reduced. I had to call them yesterday to manually fix the XXXX dollar payment I made on XXXX XXXX. I was told the payment was not being applied to my cash advance balance as it should. If it is affecting mine I am sure it is affecting other accounts than just mine. If their customer service would have took the time to look over my statements this may have been alleviated. However, the customer service agent made it seem like I was wrong right from the start until he got assistance from management and then told me I was in fact correct, payments are not being correctly applied. This is completely unacceptable and without excuse. The only way this can happen is if the automated system is manually manipulated, meaning this is done on purpose.
Product: Debt collection

Live in apartment complex " XXXX XXXX '' for close to 7 years. Payments for rent always on time however, it was an unsafe living situation, Report made o housing authority for leaking roof and rampant growing mold. Had just XXXX and management continued to refuse to fix mold problem. Had to move due to health issues. Now the apartment complex is still charging {$1800.00} for broken lease.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub> 2007 {$12000.00} XX/XX/year>2007 {$8600.00} XX/XX/year>2007 {$3600.00} XX/XX/year>2007 {$3000.00} XX/XX/year>2007 {$1900.00}
Product: Checking or savings account

The issue began when I discovered a transaction with XXXX XXXX XXXX that I had not authorized. Recognizing the transaction as fraudulent, I promptly reported it to the police and filed a detailed report, identified as Police Report # XXXX. Armed with this documentation, I contacted The Best Service Company to inform them of the situation, hoping for a swift resolution. 

However, my interactions with the company 's representatives were far from satisfactory. The responses I received were not only unhelpful but also condescending. Despite providing them with the police report, which clearly outlined the fraudulent nature of the debt, I was informed that I was still responsible for the payment. This reaction was both surprising and disheartening, as I expected a more professional approach from a company of their stature. 

Determined to resolve the issue, I formally disputed the debt in writing. In my correspondence, I reiterated that the transaction was fraudulent and provided all necessary evidence, including the police report. I requested that The Best Service Company cease all collection activities related to this debt and remove any negative information that may have been reported to credit bureaus. 

The persistence of The Best Service Company in pursuing this fraudulent debt, despite clear evidence and a police report, is not only unjust but also a violation of consumer rights. Companies have a responsibility to investigate and resolve such disputes fairly and promptly. Ignoring the evidence and continuing to harass individuals for debts they do not owe undermines trust in the financial system and places undue stress on victims of fraud.
Product: Checking or savings account

M & T Bank used overdraft link to credit card for two debit card transactions (  XX/XX/XXXX  and  XX/XX/XXXX  ) that were placed on hold and never processed as complete. The account was never at a negative balance, but transfers and fees occurred. As a result, we were charged fees for the utilization of linked OD protection on our credit card. Even though the on hold items never processed, when the holds dropped, the OD charges to the card ( and associated fees ) did not. They should have been reversed when the debit holds dropped and this is a clear violation of UDAAP.
Product: Checking or savings account

I had account checking with TD bank and because mi ID expired clise my account and I dont have any access to my money
Product: Credit reporting or other personal consumer reports

I have been contacting XXXX, XXXX, and XXXX since XXXX XXXX about the incorrect items on my credit report. I am writing to formally lodge a complaint and request an investigation into the actions of XXXX XXXX, XXXX, pertaining to my credit report. I have recently discovered several discrepancies that I believe to be in violation of consumer protection laws and credit reporting regulations. 

Account Information : Creditor : XXXX XXXX, XXXX Account Open Date : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) Date Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) The following issues indicate non-compliance with relevant consumer protection laws and credit reporting guidelines : Last Verified Date Discrepancy : The last verified date on my credit report is stated as XX/XX/XXXX for XXXX, whereas XXXX shows a last verified date of XX/XX/XXXX. This disparity raises concerns about the accuracy and consistency of the information reported by XXXX XXXX, as it suggests that the information has not been consistently and uniformly updated across all credit bureaus, as it should be. This may violate the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy, fairness, and consistency of consumer credit reports. 

Date of Last Activity Discrepancy : The date of last activity is significantly different between XXXX and XXXX. This inconsistency is also a red flag, as it implies that the account may not have been properly managed and reported. Such discrepancies may potentially infringe upon the FCRA, which requires creditors to report the most accurate and up-to-date information on consumer credit reports. 

Date Open Discrepancy : The account open date discrepancy between XXXX and XXXX further suggests inaccuracies and inconsistencies in XXXX XXXX 's reporting. This misalignment may hinder a complete and accurate understanding of the account 's history, which is contrary to the FCRA 's stipulations for the fair and accurate reporting of consumer credit information. 

I kindly request that the Consumer Financial Protection Bureau investigate these discrepancies and potential violations of the Fair Credit Reporting Act. Furthermore, I would appreciate your assistance in addressing and rectifying these issues with XXXX XXXX, XXXX, to ensure that my credit report accurately reflects my financial history in accordance with the law. 

Please find enclosed copies of my credit reports from both XXXX and XXXX, highlighting the discrepancies for your reference. 

Thank you for your prompt attention to this matter. I look forward to your response and any guidance on how to proceed in resolving this issue.
Product: Credit card or prepaid card

I wanted to alert you, the CFPB, to a potential UDAP violation by Citi Bank in regards to their Best Buy Card. 

When purchasing a new laptop from Best Buy, I was marketed their " buy now, pay later '' offering through their Citi Bank XXXX XXXX. It was marketed as " XXXX XXXX '' over 12 months, which I thought meant the total purchase would be paid over 12 months without interest. After purchasing I went to setup automatic payments, which default at the minimum payment for the card. Later realizing these automatic payments wouldn't pay off the full purchase over 12 months, and at the end of 12 months I would get hit with sudden interest charges and potentially deferred interest. 

Things that are marketed as buy now, pay later with XXXX interest should steer the customer to pay off the full principal over XXXX even payments without interest. I found this to be deceptive and recommend further investigation and a potential XXXX and or fine.
Product: Credit reporting

on or about XXXX XXXX XXXX, all XXXX experian, XXXX and XXXX put a collection from XXXX collections acct XXXX, in which i recieved XXXX XXXX XXXX XXXX i provided a written dispute and validation from the collection company according to the 30 day response requirement asking for written proof regarding this acct..dated XXXX XXXX XXXX which is attached ..to this complaint.. to this date they have not provided that paperwork and according to FDCA credit reporting rules on putting this on my credit reports..that is not allowed by the collection agency to do so ... .which is a violation.i have also filed a complaint against the company.. XXXX
Product: Credit card or prepaid card

Last XXXX I received a bill statement regarding my credit card more than my credit limit which I never never use yet my card. I only activated in the computer. But all of the sudden I had bills already and the one who used my card was from XX/XX/XXXXXXXX so I called them right away to report and dispute this account but still nothing happened until this problem becomes worst that even my daughter was involved were she really said that she didnt order online but this companys one of the investigator keep on insisting that my daughter ordered online but to find out that those items that was delivered to us to our address was not being received. We verified to our manager of our building but he said no items delivered and noted. We also calledXX/XX/XXXX and USPS to verify everything coz I took the tracking numbers of the items being purchased but they said no building number but this companys investigator insisting that the same address was shipped. But all the item we didnt received. Then I keep calling them cause I was worried about my account coz its getting higher snd higher the amount. And I find out that they send me a new card but the question is I didnt receive that card. I closed my account but one of the staff said that someone is trying to reopen my account. I dont know what I gon na do. Honest to XXXX I didnt use yet my card. Thats why I need help coz this company especially that one of the investigator is not helping but rather hes putting me down.
Product: Credit reporting or other personal consumer reports

I was informed by a few companies that my account was denied due to information listed on XXXX, XXXX XXXX Experian. XXXX, Experian XXXX XXXX are Credit Agencies not a credit bureaus. A credit score is not certified information and should not be used to establish credit. Per 15 U.S.C. 1681 - XXXX, Experian XXXX XXXX is not correct in what they are doing.
Product: Prepaid card

They said denied XX/XX/XXXX never received email. Stay on phone for hour and half and supervisor was to call back nothing. Supposed to email info again NOTHING. Thier website states this also lie. American Express https XXXX XXXX 
Protection Against Phishing and Scams | American Express XXXX you think you've been a victim of a website scam, our Fraud Protection Guarantee means you won't be held responsible for any fraudulent charges, providing... FALSE Advertisement case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Still to date, while unders dispute with Equifax and XXXX XXXX  XXXX, Equifax has not marked XXXX XXXX XXXX as being under dispute on my credit profile ( documentation attached ). Equifax also allowed XXXX XXXX  XXXX to add additional negative comments to my credit profile, on XX/XX/2019, while currently under dispute. I reported to Equifax that, even after I updated my current address and telephone number to XXXX  XXXX XXXX, they still were using an incorrect mailing address and telephone number for me and therefore, XXXX XXXX XXXX did not contact me regarding any information that was placed on my credit account. I have also informed Equifax and XXXX XXXX XXXX   that my  identity was stolen and I provided legal documentation from the CFPB identity report and provided them by telephone with my current address and telephone number. Equifax sent me an email requesting that I provide them with proof of my current mailing address, even after I have already provided this info to them when my identity was stolen. However, I have attached proof of my address to this complaint. The information that XXXX XXXX XXXXXXXX has for me as far as my address, telephone number, and balance is incorrect. XXXX XXXX XXXX recently tried contacting me, on my correct number that they received through my recent dispute, XX/XX/XXXX, requesting that I call them and confirm that it was me that actually put in the dispute. I find this to be improper to call me and leave a message to confirm that it was me who put in the dispute with CFPB. I tried calling them several times and no one answered the number, nor did they return my call. I find it odd that XXXX XXXXXXXX XXXX would call me to confirm that it was me that put in the dispute when CFPB requires that you provide legal information when filing the dispute. And because they never called me back after I left them a message and tried calling several times, makes me think that it was fraudulent, or some kind of form of retaliation, or other non valid reason ; because after I confirmed it was me, through voicemail, who put in the complaint, they added additional negative comments to my credit report and Equifax allowed it, although they are under dispute. I was not returned a call from XXXX XXXX XXXX, after the person named XXXX, from the XXXX XXXX XXXX complaints department, stated that I must call them by a certain time. I still have the telephone message as proof.
Product: Debt collection

CREDENCE RESOURCE MANAGEMENT is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$280.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2023 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
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 confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 card

I requested copy of statement showing a cash bonus of {$200.00} being applied towards my balance on my account with BMO Harris Bank. Told them I would not pay bill until I seen statement showing cash bonus was applied. 
Blocked me from accessing my account online closed my account and reported delinquency to credit monitoring. 
I have a right to copy of statement prior to making payments.