23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have provided all XXXXour pieces of information and expect these listed accounts to be deleted and blocked within four business days of your receipt of this notice ; otherwise, you are in violation of my rights under the FCRA once again! If you do not initiate an investigation regarding my dispute and delete this information within 4 business days of receiving this notice per 15 USC 1681c-2, as is my right under the FCRA, I will have to take legal action to protect my credit rating and myself. Each violation of the FCRA allows for damages of {$1000.00} should this matter be brought to court. 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) essentially states that if a person willfully violates any requirement of the FCRA with respect to a consumer, they are liable to that consumer for any actual damages suffered as a result. If actual damages can not be determined, the consumer can still receive statutory damages ranging from {$100.00} to {$1000.00}. This provision ensures that consumers are protected and have recourse if their rights under the FCRA are willfully violated.
Product: Checking or savings account

XX/XX/XXXX, XXXX {$1900.00} was withdrawn from Checking A/C ... XXXX ACH RETURN SETTLEMENT DEBIT But HAS NOT RETURN to my Saving A/C ... XXXX as of this date XX/XX/XXXX. XXXX The Bank name in this issue is CHASE BANK, in XXXX, XXXX.
Product: Debt collection

EOS CCA- XXXX is reporting on my credit report without every notifying me of this debt. They posted it to my credit and when I saw it I contacted them immediately. 
I didn't even owe the debt because the item was returned! 
I would have disputed it if I had received notification. 
I don't see how they can just put whatever on your credit without contacting you. 
My attorney will be the next contact as he advised me EOS violation. 
I served our country and this is ridiculous.
Product: Credit card

I am writing to express my profound frustration and dissatisfaction with the handling of my Apple Card account concerning unauthorized charges and an inaccurately increasing balance. Despite reporting the theft of my Apple Card and unauthorized transactions promptly, the situation has not been adequately addressed, and I find myself in a perplexing and challenging predicament. 
The incident unfolded when I realized my Apple Card was missing, and I promptly reported the theft to the relevant authorities. Subsequently, I contacted Apple to inform them of the situation, expecting swift action to rectify the unauthorized charges. However, the response has been disheartening, with the reported transactions remaining on my account despite multiple attempts to resolve the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not get transunion to fix my credit account so that i can access my credit report /scores ... .I have been trying to get the issue fixed for 10 years now ... and it has caused/costed me more times than i can count i get the same response from them year after year [ WE HAVE FORWARDED YOUR ISSUE TO A DEPARTMENT THAT CAN HANDLE YOUR SITUATION AND THAT IT WILL TAKE 3 TO 5 DAYS FOR THAT DEPARTMENT TO FIX IT ] and guess what it never gets fixed ... .no company nor i can access my credit report i get denied ... XXXX wish that someone could help me figure it out ... .i really think transunion should pay me for all the years i have not been able to get services because of their faults.
Product: Credit card or prepaid card

Hello. 

I submitted a {$2000.00} payment to my Citi Premier card on XX/XX/XXXX. At the time of making the payment I was told that it was applied to my available credit immediately. I later checked online and found out it wasn't applied, so I called in and was told it would be applied to my available credit on the next day. 

On XX/XX/XXXX I called and was told it still wasn't credited and was on hold until XXXX. However, I was told that I could call in after it cleared my bank and it would be applied. 

On XX/XX/XXXX I called in and confirmed that it was still on hold until XXXX. Since it still didn't show as cleared with my bank I was told I had to wait and call back when it had cleared. 

On XXXX the payment had finally cleared my bank on XX/XX/XXXX, so I called in and was told that they would not call my bank, and instead I had to wait until XXXX. 

That is unacceptable for Citibank to hold my payment for 10 days without allowing me to use it. Especially since I was told differently three different times. 

Citi must be held accountable and live up to what they say.
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 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights. 


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 or prepaid card

I have written several letters via certified mail to TD Bank XXXX XXXX XXXX to the late payments on my credit reports. I have also contacted the credit bureaus and spoke to several customer service representatives in order to resolve the issue but they refused to help me in this matter and take further steps into my claim. I have several late payments being reported on my credit reports from the year XXXX when I fell ill and was unable to make timely payments due to hospitalizations. However, when I was able enough I continued to make on time payments and while I never requested it, the company increased my credit limit and never once thought of closing my account but they refused to reverse the late payments. I would like an investigation conducted on this matter and appreciate a resolution and look forward to the positive outcome.
Product: Payday loan, title loan, or personal loan

Back in XXXX I was asked to pay {$300.00} to settle the loan to be paid for by XXXX gift cards which I did this in 3 monthly payments of {$100.00} they stated they would send a payoff letter but they never did. Then they started sending emails threatening to have me arrested and put in jail for violation of federal banking regulation. Collateral check fraud. Theft by deception. They started sending this emails in XXXX and every so often they would send them the last one I got was on XXXX XXXX and the wanted me to pay them {$190.00} in XXXX XXXX  prepaid visa/MasterCard. They keep saying Im not contacting them even though I answered most of the emails. Please tell me what I need to do?
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a bankruptcy with XXXX, XXXX, and transunion. They told me if was verified through XXXX XXXX. I reached out to XXXX XXXX  and it was deleted on their end. I need all three credit bureaus to delete this bankruptcy ASAP!
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I called upgrade to enter into a hardship program while I was laid off. Once completed the understanding was that I would am have access to my credit line again. That program was completed is XXXX of XXXX. 
My credit line was never reinstated. On XX/XX/XXXX I called upgrade to inquire as to why. They stated I verbally agreed that even after the completion of the hardship program, upgrade could indefinitely suspend my credit. I had a senior supervisor pull the call recording to which they confirmed I was NOT read that specific disclosure. This makes the contract illegal and invalid. At this point in time I had a XXXX credit limit with almost {$400.00} in available credit - but unable to use. The supervisor informed they would put my account in review. XX/XX/XXXX I received an email informing me my credit line was reduced to XXXX. Wiping out the pay down progress I had made. 

This disclosure is not printed anywhere on any agreements and was never verbally given to me. This is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received i copy of credit reoport and found the following item to be " INACCURATE '' XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have already sent disputes on these accounts and nothing was resolved. You have violated the United states code law 15 U.S.C 1681 a.1.a. Code 15 U.S.C 1681 section 604 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I contacted Amsher Collections Services on XX/XX/2021 and they responded with a bill attached stating I allegedly owed {$1500.00}. The amount appears to be incorrect as my last bill with XXXX was a different amount of {$1400.00}. Why is Amsher reporting inaccurate information? Im skeptical that the company can not accrue interest or else the debt is not owed to this company at all. Then they attached a bill they sent to an address in Georgia. I live in Kentucky. Doesnt seem to be a reputable company if its inaccurate! I want it removed immediately. This company has been very aggressive and harmed my credit.
Product: Debt collection

The called me upwards of 3 or 4 times a day regarding a credit card charge off debt from XXXX. Around XXXX XXXX XXXX XXXX, I spoke with a representative and tried to make payment arrangements with them according to what I could afford. They denied me, and were forcing me to complete with what they thought was best, to which there is no way I could have afforded. I now receive a summons that they are taking me to court. I feel this was unjust and unfair.
Product: Student loan

XXXX hired a third party debt collector for my defaulted debt. The debt collector is XXXX. XXXX is out of my state where I borrowed, so they have farmed it to a network debt collector called Javitch Block. I have worked with Javitch Block for 5 years to repay the debt I defaulted on under the pretenses that there was no interest, and the current debt balance is in the area of {$8000.00}. After not receiving paperwork from the creditor nor Javitch Block for some time, I inquired in XXXX 2015, which ended up in having to go to the XXXX for assistance after many refusals to assist me in getting this information. To date, and after many emails, many letters, certified mail requests, I have not had the debt verified by Javitch Block. This includes their right to collect from me, whom they are an agent for, balance, interest, and other pertinent information I am due under fair debt collection rights. Additionally, not only has the company not verified the balance of this account, but by misrepresenting the balance and interest rate over the phone, they have misplaced nearly {$6000.00} of the debt as the creditor states that money went to interest. I am not in a position where I have paid {$12000.00} and only received half of the credit due to dishonesty. Furthermore, the debt collector, who states they are an agent for XXXX refuses to honor the settlement agreement address in XX/XX/XXXX by XXXX themselves. I have not received a written confirmation that after misleading me for 5 years, that Javitch Block intends to accept a lesser payment on behalf of their client without suing me for failing to meet our initial payment plan. I also have been told by Javitch Block in recording calls that the collection account is in a " holding '' position, and while I can make payments, it is not an active collection. Upon disputing the credit line on my credit files, XXXX states otherwise and continues to post a much larger balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Mortgage

about 6 years ago I had a home repossessed from me from my mortgage company.. 
they called me on several occasions an told me that I was behind on my payment an that I was either late or they did n't take enough money out of my account and charged me more and by saying more I mean like I was paying them like XXXX to XXXX a month for like six months till I could n't afford to keep up with it anymore.so then they told me that I had to move an paid me some where around XXXX to XXXX to move out I feel like they stole from me and caused me to have bad credit I have learned that they are in a huge law suit do to wrong doings to people. how I found this out was trying to repair my credit also I remember a time when an investigator came talked to me shortly after all this happened just never thought no more of it till now ...
Product: Credit card

Accounts opens without my knowledge. XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, security finance, and XXXX different XXXX XXXX accounts were all opened without my knowledge. Also all inquiries are not mines and gave no consent to run my credit
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 


XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX The following inquiries were not and should not be reporting. 



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 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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, credit repair services, or other personal consumer reports

On XX/XX/2023 I logged into my XXXX account to check my escrow balance and was shocked to find that it showed I was XXXX  days late on my XXXX loan payment and that the XXXX loan payment remained outstanding. 
As soon as I discovered that autopay ( which had been previously set up ) had not drafted the loan payment, I immediately scheduled both payments and called in to your offices to confirm the status and reconfigure auto pay. I now understand that the late payment on my account was a technical error caused by an auto pay failure. As such, I would like to dispute the late payment so that it does not affect my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account should be removed from my credit report I do not owe this debt. 

XXXX XXXX XXXX Opened XX/XX/XXXX + {$910.00} Original creditor : XXXX XXXX  and XXXX XXXX XXXX Opened XX/XX/XXXX + {$1200.00} Original creditor : XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX has been falsely reporting that I was not making payments on my account since XXXX. In which, XXXX made it appear as I never paid them 45 times on 5 different loans. In XXXX, I was part of the navient law suit due to them participating in predatory lending practices. XXXX then took off 8 of the said 15 loans they said I had from my credit report and then only reported that I had 7 loans which is false. XXXX continues to report false information on my reports and has done so for over 12 years. This has impacted my ability to secure housing and so many other things. I keep reaching out to Experian to remove all false information especially information that to all my student loans being dismissed and paid in full due to a company not being honest! They still have it appearing on my reports. I had 15 loans with XXXX not 7 and it is unfair that they can decide when to accurately and falsely report information!! Experian allows this activity and it is damaging. XXXX was not reporting all accurately and even on their website was nit reporting when {$400.00} payments were being made monthly in XXXX and XXXX they were reporting to bureau as no payment was being made on time.
Product: Credit card or prepaid card

I applied for a Chase Freedom Credit Card on XX/XX/22. I waited 30 days for the response on my application. I checked the status of my application my times throughout the 30 days and always was told that it was still processing. I got in touch with a Chase representative during the second week on XXXX, which was about 45 days after my initial application was submitted. I was transferred to 3 three different people and all I wanted to know was the status of my application. I was told on that phone call I would get an email or letter in the mail with a decision with 2 weeks, so by the end of XXXX. I receive no letter of a decision. I called Chase twice on XX/XX/22 and spoke with a representative both times. I want some type of denial in the mail discussing why I was denied or if I was approved. Both representatives said that legally that information should be provided to me. I was transferred to the leading department both times, which was closed for the day. I was advised to reapply and did so on XX/XX/22. I was approved the next day, so Im assuming something went wrong with Chases system in my initial application. I even checked to make sure my address was correct on the Chase app and it was, so I shouldve received a letter. I called Chase again on XX/XX/22 and spoke with a representative. I was told my initial application was out of the system and could no longer be given a letter of decision on my application. I asked to speak to someone about getting the hard inquiry taken off my credit, but was told Chase didnt have the ability to do so. I asked to be transferred to the leading department, and the representative refused and persisted that nothing could be done to help me. Today is XX/XX/22 and I first applied for my Chase Freedom Credit Card on XX/XX/22. I still have received nothing on a decision from Chase.
Product: Checking or savings account

On XX/XX/2023 I made a purchase and the purchase just posted on Tuesday XX/XX/XXXX I called the bank to ask him about Veterans Day cuz I also got charged or overdraft fee for Veterans Day when all banks were closed they explain to me that the bank still works I don't understand how I got charged to overdraft fee for a transaction that was done on Thursday and I also deposited money into that account had a positive balance wake up on Tuesday XX/XX/XXXX with a negative balance and another overdraft fee the reason I'm writing is cuz I have been complaining numerous of times about how this bank is very abusive with their fees if I did a transaction on Thursday that transaction should have posted on Monday especially if there was no holidays but this bank is very abusive cuz what it does is that it charges you overdraft fees it waits to all the other transaction posts and then the overdraft fee makes your account look even more negative and that's when they take advantage and they they charge you more overdraft fees this bank is very abusive with these fees I feel like the federal government should investigate them this is why Wells Fargo 's has been XXXX of the worst banks in XXXX or it needs to be sold to a better institution that will appreciate customers and not over abuse them like this bank has done I'm so tired of arguing with them and fighting with them about these overdraft fees especially when they notify you at XXXXXXXX XXXX in the afternoon and they give you to XXXX midnight the same day they consider that XXXX hours I consider that XXXX hours that is nowhere near XXXX hours it is not right how this bank is treating people and I feel that there should be Justice against all banks that abuse customers we all work for our money there's no reason why a financial institution to take our hard-working money that they have nothing not even a sweat to receive this bank has been making profit off of me for years and I am very tired of it I was told by representative that if I didn't like them that I'm more than welcome to go to another financial institution I don't have a problem in going to another bank I just choose not to cuz I'm tired of all these Banks abusing it's not just Wells Fargo 's it's all banks in America that are very abusive this is my second complaint on this bank about to overdraft fees hopefully this Bank will stop the abuse soon thank you for your time and your help
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

Due to XXXX forbearance program regulations, its states that no late payment are to be reported to the financial credit bureau during this time covers forbearance period. I have a late payment on my report, I want removed because I am a victim of XXXX and legally should not have them there. 


Section 4201 of the Cares Act amends Section 623 ( a ) ( 1 ), of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ). Now, a furnisher of data to the consumer reporting agencies that allow its customers to defer payments, make partial payments, modify credit terms, or make other arrangements for its customers affected by XXXX should not report the account delinquent, but should continue reporting as current, unless the account was delinquent before Covid-19 related deferral or modification, and has not been subsequently brought current. These new reporting requirements are retro to XX/XX/2020.