23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

On XX/XX/24 I tried to withdraw funds from my Direct Express debit card. The ATM machine would not allow me to withdraw any funds. I came home and dialed the XXXX #, entered my card number and the system said the card was invalid. I entered my social security number and waited 1hr 45 minutes. I called several times on Friday, Saturday and Sunday waiting hours and no one ever picked up. On XX/XX/24, I went to the SS office. The representative called Direct Express and told me that someone would call me from Direct Express within four hours. I received the call and was asked the card number of my most recent card, the representative stated that the card was invalid and informed me a new card processed XX/XX/24 sent to address in Florida. The representative gave me a balance which did not include the amount in my account before XX/XX/24. The amount was what was just deposited, which should have been double the amount. Meaning someone went into my account and took all of my money. I have a card that is invalid. They asked me if I wanted my card expedited within 2 days and told me that they would charge me {$17.00} for this. So, on XX/XX/24, I went again to the SS office to give them the full information on what has happened. They were not able to help me. XX/XX/24 mail arrived and no card. I have to borrow funds to pay my rent. I do not have a balance for my account. And I would like to know who has fraudulently used my Direct Express card, where is the rest of my money? My representative, XXXX XXXX, has called the Federal Reserve Board to get assistance. I want my money and a new card! I have changed my address
Product: Vehicle loan or lease

My lease with XXXX XXXX ended in XX/XX/XXXX. I turned the vehicle in, paid the remaining payments in full and on time, and then paid the additional fees and damages in full. In XX/XX/XXXX, XXXX XXXX reported my account 90 days delinquent. I immediately inquired and they said it was some sort of mistake and my only recourse was to file a dispute with the CRA and wait 30 days till it was fixed. I was very unsatisfied with this answer as I had to take time to fix their mistake and suffer credit card companies lowering my limits and denying me credit. Again, it is XX/XX/XXXX, a count still closed, paid in full, and they reported my account 120 days delinquent. I called again and they apologized and stated I had to once again file a dispute but I could PAY to expedite the process!!! I am so sick of my credit score I work so hard for suffering drastically while these mistakes that the company can not explain why it is happening, happens. Currently, my score has fallen over 100 points not at the fault of my own and the company has done nothing. Ut apologize and brush me off.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax and XXXX must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$460.00}
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following items from my file. 


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

I reviewed my Consumer Reports and noticed that I had a few inaccuracies on an account. Consumer Reporting Agencies have assumed a vital role and have a responsibility by law, to report Consumer information to the best of their ability with Maximum Accuracy. I have inaccuracies reporting on the following accounts : Account Name XXXX XXXX XXXX Account Number:XXXX Please investigate and provide valid Proof with statements showing that these payments were late. If Valid and substantial proof can't be provided I demand these inaccuracies be removed from my reports. 

Signed : XXXX XXXX
Product: Payday loan, title loan, or personal loan

I had setup a payment plan for 3 final payments, after that my debit card info was compromised, this happened in the 2 week of XXXX, about 2 weeks later I got a new debit card, and I received and email on XX/XX/XXXX about making my payment on the XXXX of {$7.00} ... before I could update the account they charged it off without warning. 

I even had to reset my password to even login. 

I will be calling them tomorrow XX/XX/19 and raising absolute XXXX, I will record the phone call.
Product: Credit card

Credit card fraudly opened up with diffrent address and phone number even though info was different still opened account
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 2 secured cards with XXXXXXXX XXXX XXXX. One was a platinum card and the other was a primor card. The cards where paid off when I call to close the accounts. You have to forgive me my date of calling I dont remember since I suffered a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and suffered a XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Im back on my feet now and trying to clear up all loss ends and working on paying down debt. When I called customer service for both calls I was told the balance in the security deposit would be applied to the card balance and would be closed. You could never exceed the limit on the cards like if you went to a gas station. You could never pay at the pump you always had to go inside and tell them how much you wanted and they would charge you to the card they would not just automatically approve it either pump for any amount. 

Since the payoff green dot bank is showing both cards charged off with a balance. This is a violation of the FCRA and demanding that both accounts be removed from all credit bureaus. 

No balance should be due as the security deposit was taken out and applied to close the account theyre reporting the account as a charge off with a balance due and also late payments after I called.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX Account # 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
Product: Student loan

XXXX offers 0.25 % interest rate reductions if you setup direct debit. They state that one should allow 2 weeks for this application to processed. I filled out the form, mailed it in, and heard nothing for over 3 weeks. I then called to inquire what had happened. I was told that XXXX did not setup my account on direct debit for my current 3 XXXX degree loans because i had previously setup direct debit on loans i had fully repaid approximately 6 years earlier for my XXXX degree. 1 ) This does n't make any sense, and 2 ) why could n't anyone from XXXX contact me about this? A few weeks after this phone call, my first automatic payment became scheduled. Neither the payment due ( approx {$460.00} ) nor the payment scheduled ( approx {$1100.00} ) reflected the 0.25 % interest rate reduction,  so i called on X/XX/17 to inquire why. I asked why they did n't reflect the reduction and why the payment scheduled was so much larger than the payment due. I was told that the interest rate reduction would take effect the following month, after the first automatic payment, and I was also told that the larger payment was because the scheduled payments would always be for the same amount, regardless of any prepayments made. I did n't like these answers, but I accepted them. The payment was due on X/XX/17. I had a payment scheduled for X/XX/17. I checked back on X/XX/17 and found that XX/XX/XXXX canceled the scheduled payment ( approx {$1100.00} ) without my knowledge and that my account was now 3 days delinquent. I called to ask what happened and was told that direct debit always starts the month after enrollment which is 1 ) at odds with what my account previously shown and 2 ) at odds with what the other representative had told me on XX/XX/XXXX. I have had multiple issues with XXXX and their handling of my account. This is just the latest issue. I just made a manual payment on X/XX/17. I hope that this particular issue is now resolved. My goal is to bring broader awareness to XXXX 's poor quality of servicing.
Product: Credit reporting or other personal consumer reports

OK. So this is a bit of a long story, but I am sick of being raked over coals. 

I have 2 payments that were supposedly " missed '' and I will dispute them to heaven and back because I always pay my debts on autopay. 

One is with TRUIST bank, a loan I have through them, that withdrew money through my account with them. They said I missed a payment and knocked my credit score down XXXX points. 
My own bank, which withdrew every other payment except the last one, which they reported as late which is XXXX. 

XXXX did this as well and when I got a restoration of some credit, it was nowhere near the XXXX points it dropped me. 

I had excellent credit. My balances routinely look maxed when they were not now because of how lenders work. 

The lender tells me to contact the bureaus, the bureaus tell me to contact the lenders. 
No one will help me, and I feel that I am being treated unjustly. 

I have hard inquiries on my report now because I am trying to lower all my balances. No one will take someone with a below XXXX score. 
So yeah.. Dropped credit limits, which lower score, which lower limits, which lower score is just not going to cut it for me. 

They couldn't possibly be wrong.. It has to be that I am a bum who doesn't pay my bills. 
I make {$74000.00} a year but since I've been getting circular whammied over and over, it doesn't even matter because I have had to kick so much debt around. 

Lenders, credit reporters, dispute handlers, are all useless and none want to restore me to what my credit was. 

I can not stop it from being bad because of the balances looking maxed out, and these people making mistakes they blame on me. I will dispute this over and over again because I've been wronged. 
It's like they know regular people can't lawyer up, but I could put them on TV.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX . XXXX XXXX   XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX, they reported late payments on my account last 4 number of the card ( XXXX ), i've been sending my payments on time every month. i called the company and they said never received the checks. 

in my second card ending in ( XXXX ) i have 3 late payment same issue.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX. 
Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  XXXX Account Number : XXXX and 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: Debt collection

KIMBALL , TIREY & ST. JOHN LLP contacted me about a debt they are trying to collect which I don't owe, and I informed the debt collector the debt is not mine.I have requested more info about the debt and I never got any documents from them to prove it's belongs to me.
Product: Money transfer, virtual currency, or money service

My mother 's tax refund check was first sent to a inaccurate card by her chosen tax filing preparer before finally being rerouted to Wells Fargo in XXXX, Texas ( XXXX XXXX XXXX, XXXX, TX XXXX ) where it's been held for verification & lack of address history for the past 2 months, which has hindered our ability to pay rent, bills, tuition, etc. My mother has called almost everyday with calls either going to voicemail or long wait/hold times & she's not able to get to the bank in person much due to lack of transportation & a few health issues and appointments. We're both in between a rock & a hard place with the withholding of the check when the IRS has already verified and released the funds to her ; the tax filling company verified, processed, and released the funds, but the Wells Fargo bank had halted the process and it seems like they're in no rush to actually resolve the matter.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This information is negatively affecting my creditworthiness, and I am requesting an immediate. I am disputing the accuracy of this account as it appears on my credit report. The balance and charge-off status reported are incorrect, as the account was fully resolved previously. Please update my credit report to remove this inaccurate entry and notify me once the correction has been made. It is critical that my credit report accurately reflects my financial history.
Product: Checking or savings account

I withdrew my money from a money market account and closed it. Discover bank claims to not have received my initial request to close the account and is charging me fees on the XXXX  balance. They refuse to close the account and keep charging me fees! 
XXXX - XXXX out the account and send closure via bank 's internal messaging. 
XXXX - Messaging via bank 's website again requesting closure. Was told they would not because they are charging me a minimum balance fee. ( - {$10.00} ) XXXX - Telephone conversation with bank employees. Requested account closure, and was refused again. ( - {$10.00} again ) Discover bank continues to charge monthly fees on an account that was a savings money market account - not a credit account! They are providing no desired service. I have not borrowed any money from them. 

The bank refuses to close the now negative account without payment of their fees. There was no fee for closing accounts apparent in the agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion to dispute XXXX Hard Inquiries on my account. These inquiries were done by a car salesman without my consent and I did not ask for them. They told me that I need to contact all the banks which provided me the loans. I let them know that i did not authorize these inquiries and as of today they are still on my account. The Hard Inquiries I want removed are as follows : XXXX XXXX XXXX - XX/XX/17 XXXX - XX/XX/17 XXXX XXXX  - XX/XX/17 XXXX XXXX - XX/XX/17
Product: Debt collection

I received a collection letter from Aldous & Associates for a collection on a gym membership of {$93.00}. they were extremely rude and threatened to ruin my credit. The representative also hung up on me while I tried to explain. 

I am a college student and dorm. I was never a member of this gym, nor did I sign up for this. This is not my debt. 


XXXX XXXX
Product: Debt collection

Debt and personal information was reported to credit bureaus and is faulty and misleading and un-authorized
Product: Credit reporting or other personal consumer reports

company reporting a charge off on my credit report, despite getting full payment from my insurance company + GAP insurance.
Product: Debt collection

I have paid this debt over and over again for the past XXXX years because the credit agency ruins my credit when I do n't. This is criminal! I have ALREADY PAID THIS DEBT XXXX times.
Product: Credit card or prepaid card

This is a complaint about Citibanks Citicard mishandling unauthorized transactions charges. 

It all started on XX/XX/XXXX when I received a FRAUD ALERT email from XXXX informing me about suspicious activity on my Citicard mastercard : Amount : {$380.00} Date : XX/XX/XXXX, Merchant : XXXX XXXX XXXX, Location : United States , Charge Status : Declined, Case number : XXXX. 

I immediately called the number provided XXXX, and confirmed that I indeed never initiated that transaction. My card # was deactivated, and I was issued a replacement card with new #. 

However, when I inspected recent transactions online I noticed three other unknown and unauthorized charges : 1. XX/XX/XXXX XXXX XXXX OH {$140.00} 2. XX/XX/XXXX XXXX XXXX OH {$27.00} 3. XX/XX/XXXX XXXX XXXX OH {$97.00} As soon as I found out about them, I immediately notified Citicard representative and I was assured that these charges are going to be reimbursed to me by the Citicards and I dont have worry about them. 

However, in the XXXX Statement ( billing period XXXX ), only the first charge of {$140.00} was reimbursed. 
On XX/XX/XXXX upon receiving that bill, I called and spoke with your rep XXXX. She assured me that {$27.00} charge reimbursement will show up in the next statement, but {$97.00} is still under investigation. 
On XX/XX/XXXX upon receiving statement for billing period XXXX I called again since none of the charges were reimbursed. Again, I was reassured that they will be reimbursed by the next statement. 
On XX/XX/XXXX I called again since no reimbursements were shown on the statement for billing period XXXX. I spoke with Sue who said that investigating agent XXXX will call me back with the status. No one called me back. 
On XX/XX/XXXX I called again and spoke with representative XXXX who assured me that credit for MACYS charges had already been issued and will show up on the next statement. 

The next statement ( billing period XXXX ) just came in, and again NO CREDITS. 

I feel extremely stressed and disheartened by this whole ordeal, especially by how Citicards company mishandles this case. 

On XX/XX/XXXX I faxed them a letter describing the above situation ( to FAX XXXX ) On XX/XX/XXXX I mailed the same letter to Citibank XXXX XXXX XXXX, XXXX XXXX, SD XXXX. 

Still, up to this date I have not received any response from Citicards to my multiple phone and letter complaints and the issue has not been resolved.