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

XXXX XXXX To a lessor extent : Discover Card XXXX XXXX Both XXXX and XXXX are NOT correctly reporting on citizens that pay off their credit card balances IN FULL every month. This can cause GRAVE damage to all Americans credit scores and can cause citizens to pay higher interest rates on ALL of their lines of credit. 

Real life Examples : My charges to Discover Card vary in a given month, BUT, the balance is paid in full no matter the balance! 

Prior to ( XX/XX/18 ) Friday, my credit scores were XXXX. 

They dropped XXXX points, and when I complained, reporting the issue and giving Discover Card as a witness to my payment history, they lowered my score AN ADDITIONAL XXXX points, XXXX total. This due to me charging several home appliances and upgrades to my Discover Card. 

Not only is this fraud, on a national scale, imagine the damage to US consumers! 
Lower score, resulting in higher monthly rates. 

I took this to Discover Card, them knowing my payment history, and they themselves refused to up my credit line to reduce the ratio of debt to full line of access, even though they are responsible. 

Accidentally or intentionally, they as a whole entity, not sure of XXXX XXXX involvement, conspire to unfairly raise rates and improperly/intentionally report payment history resulting in fraudulent charges to all. 

Recap : Credit Bureaus using individual monthly consumers charges to lower their credit scores, despite not only a perfect payment history, but a payment in full every month for years history. Effectively destroying their promise and fulfillment of rewards by giving 1 % at the expense of irrepairable damage to consumers credit reports. 

All 4 companies are participating willingly. I notified all 4, 2+ times each. 

My recommendation : prevent customers credit card scores by mandates that Credit Card Bureaus add a balance in full, effective balance XXXX to all payment history ( ies ) If a balance is XXXX then XXXX then XXXX the next time capture, this should NOT effect a score if the balance is paid IN FULL on every monthly billing. 

Or warn retirees that pay their balances in full every month that they may need to send daily payments to their Credit accounts. 

Clearly the Discover Card rewards program is a scam, along with the Credit Bureaus intentionally incorrect reporting.
Product: Credit card or prepaid card

Barclays Aadvantage Card offers a list of BENEFITS on their website including Flight Cents which rounds up miles earned. But it is NOT a BENEFIT, it's a SALES of Miles program that charges the card holder. So Surprise -- - my statement showed a Fee. I turned off this program on their website but was charged again. The customer service people refuse to turn it off, saying it must be done on the website. 

They will not Turn this FEE off and will not reverse the charges and will not provide a contact phone number to speak with anyone else.
Product: Credit reporting

I provided Equifax with police reports proving identity theft as well as an out out Court settlement with  XXXX  Bank  (  also known as  XXXX  ) where they agreed to remove all  XXXX  Bank accounts from my report. Equifax has partially complied with removal, then reinserted information. Furthermore, they continue to report fraudulent, illegal credit inquiries that do not fall under fair use. These must be removed from my credit report.
Product: Checking or savings account

I opened an account with BMO Harris Bank on XX/XX/XXXX using promo code XXXX. 
I decided to open this account for two reasons : it offered XXXX monthly maintenance fees, and a {$200.00} bonus payable approximately 120 days from account opening if the terms were met. 
The terms were : Have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other government benefits payment of {$500.00} or more each electronically deposited into the account from an employer or outside agency within 90 days of opening. 
AND Have at least 10 debit card purchases made with your BMO Harris Bank Debit Mastercard post to your account within 90 days of account opening. 
I met both of these requirements in the first 90 days. 

I waited well past the 120 day mark, which would have been XX/XX/XXXX, to call into customer service to find out why my bonus had not been credited. 
I first emailed, but was told I had to call, so I called and spoke with a XXXX on XX/XX/XXXX. The call lasted approximately half an hour. XXXX put me on hold several times to speak to their marketing department. 

She explained that my deposits came through XXXX, which caused an issue. Their system was recognizing it as a transfer, not a deposit. I explained to XXXX that I do freelance work and that is how I get paid. My paycheck comes through XXXX, and that is my ONLY option for getting paid. 
Also, when I lived in Alabama several years ago, I opened a checking account with XXXX XXXX and they also offered a bonus at that time. I also did freelance work then and was paid through XXXX. I received their bonus with no problem. 

So XXXX stated she would forward that information on to Marketing and if they needed to verify my earnings, they would contact me. She told me bonuses are credited every Wednesday. Well, I did not receive the bonus last Wednesday, XX/XX/XXXX, or today, XX/XX/XXXX. No one from customer service has contacted me for additional information. 

I am not calling in again to waste another half hour on the phone and get no answers. 

If BMO is advertising a bonus, they should honor it. I met ALL the qualifications. 
If BMO does not count funds deposited from XXXX as a qualifying deposit, they should mention this in their terms and conditions for the offer. As this is not explicitly stated in the terms, I expect this bonus to be honored. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is refusing to correct my Personal Information and my SSN I submitted all the documents requested by fax and regular mail. please see attached. this company refused to accepted my disputes with the excuse of me having multiples SSN and that's a false statement.

please see attached letters sent to this company ( XXXX ) and documents as proof of identity update my personal information and remove/ deleted any other profile open on my name that should not. correct all mistake made for this company.
Product: Checking or savings account

My checking account with Regions Bank was in good standing. I am in the process of tryings to increase my credit score so, decided to set up my XXXX  XXXX Credit Card and my XXXX XXXX XXXX with Bill Payment through Regions Bank. My payment for both cards is due by the XXXX of the month before XXXX XXXX. I set up the bill payment to post on the third day of the month XXXX XXXX XXXX ) because that is when I have the money in my checking account. I thought all was well until I checked my checking account balance on the XXXX of XXXX. Regions Bank had tried to take the XXXX XXXX payment of {$30.00} out of my account two times on XX/XX/XXXX. Then they tried to take the money out for XXXX XXXX again on XX/XX/XXXX. This over drew my checking account a third time. If that wasn't enough, they tried to take the money out of my checking account again for my XXXX XXXX on XXXX XXXX. Let me remind you that my Bill Payments were set up be paid to my creditors on XX/XX/2021. These were all unauthorized withdrawals from my checking account. By the time they got finish charging me for unauthorized overdraft fees, I owed {$160.00} in overdraft fees. I called the bank on the next day XXXX XXXX XXXX ) and explained to them that they made a mistake and messed up my checking account. I told them they were charging me for overdraft fees that were not my fault. I then went into great detail explaining the mishap. They informed me that because I had previously disputed an overdraft charge in the past, they could only eliminate 50 % of the fees. I explained to them that the error was % 100 their mistake, not mine. I did not do anything to cause the problem and I want them to fix my account back to the way it was before they messed it up. They reversed {$72.00} of it and left me to pay {$89.00} of a bill that they made. They were suppose to take the money out of my account to pay the credit card bills on XX/XX/2021 ( 3 days later ). There was no money in the account on XX/XX/XXXX and XXXX, but the account was not overdrawn.. They overdrew my account and basically told me " too bad for you, we are not paying it. '' They stole {$89.00} from me. I want them to pay it back.
Product: Checking or savings account

1 ) On or about XX/XX/XXXX I attempted to open a checking account with Suntrust bank. I made a {$100.00} opening deposit from my current XXXX XXXX XXXX account. 

2 ) On XX/XX/XXXX, Suntrust bank stated that they could not fund my new account. On or about the same date, they returned my opening deposit in full to my XXXX XXXX XXXX Account. 

3 ) In or about early XX/XX/XXXX, I received a checking account statement from Suntrust bank. I contacted them via their online contact form notifying them that they had not opened my account. 

4 ) In or about early XX/XX/XXXX, I attempted to gain online access to the Suntrust checking account via their online banking service. On XX/XX/XXXX, they notified me that they were unable to open the account because they did not have all of the required documents. 

5 ) On XX/XX/XXXX, I received a checking account statement from Suntrust bank dated XX/XX/XXXX showing a - {$3.00} balance. The statement consisted of a {$0.00} opening balance, 0 transactions, and a {$3.00} paper statement fee. When I attempted to open the account, I opted for electronic statements. Further, Suntrust never opened the account or allowed me access to the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : 1. XXXX XXXX Inquiry Date XX/XX/XXXX ; 2. XXXX XXXX Inquiry Date XX/XX/XXXX ; 3. XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; 4. XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; 5. XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; 6. XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; 7. XXXX XXXX Inquiry Date XX/XX/XXXX ; 8. XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ;
Product: Checking or savings account

US Bank responded on XX/XX/2019 that : 1 ) On XX/XX/2019 US Bank mailed a Cashier 's Check for refunds totaling {$570.00}. This is my prior address and since I am notified 10 days after mailing, the Cashier 's Check will be returned to US Bank. US Banks XX/XX/2019 letter sates " we are unable to verify your address you provided in your CFPB complaint ; therefore, we are submitting to CFPB '', I request the Cashier 's Check be picked up at an XXXX XXXX, IL location, and 2 )  outstanding is XXXX XXXX {$140.00}.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX : {$2800.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1300.00XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. I am 100 % willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to ensure everything is being done to remove these fraudulent accounts from my report. Please be aware all required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. In addition, I demand the following fraudulent inquiries be deleted from my credit report immediately. Please remove it from my credit report or I am seeking litigation, please delete it. These lenders have accessed your credit 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 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

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}, XXXX XXXX BANK XXXX Date XXXX XXXX XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$450.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$410.00}, If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Product: Credit reporting or other personal consumer reports

I mailed in a dispute about XXXX fraudulent accounts thats reporting to my credit report, Back in XX/XX/year> I sent in everything they asked for and still have not heard a response.
Product: Vehicle loan or lease

I and my husband took out a vehicle loan in my name from One Main Financial in XX/XX/2020. The original loan amount was {$11000.00}. 
As of XXXX I owe more than the original amount of the loan, the current balance is {$11000.00}, more than the original amount loaned, with {$400.00} monthly payments. 
Per One Main Financial, I have paid {$7300.00} on this loan and still owe more than I did when I signed for it. Again the original amount was {$11000.00}. Even with interest and 3 deferments, one loan modification, to owe more than the original amount of the loan seems predatory to me after nearly 3 years of payments. 
One Main Financial claims the reason I owe more than the original amount lent for the XXXX XXXX XXXX is due to insurances such as unemployment insurance which I have to wait 30 days from separation of a company to enact and the deferments above mentioned and the one modification. 
I disagree that this is fair. 
If I were to pay of the entire loan amount as of today I would have paid a total dollar amount of {$18000.00}. The vehicle is currently not operational either. For close to {$20000.00} I could have gotten a much nicer and newer and more reliable vehicle. 
The vehicle itself is only worth about {$5000.00} to {$7000.00} in working condition, which it is not. 
Even at a value of potentially {$5000.00}, I am upside down in this loan due to One Main Financials predatory and unclear lending practices by {$13000.00}. If I pay this off, I will have paid nearly 4 times the value of the vehicle if it were in working condition. 
Can you please review my case, I believe this is unfair and predatory and I will never be able to pay off this loan at this rate if I owe more than I began with nearly 3 years into a 5 year loan. 

Thank you for your time and considerationXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my initial dispute regarding the inaccurate reporting of late payments on my credit report for the account referenced below. Despite my detailed explanation and evidence supporting the inaccuracy, the alleged late payments were incorrectly verified. Therefore, I am requesting a thorough explanation of the method of verification used during your investigation. 

Creditor Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Disputed Late Payment Information : TransUnion : Reported late payments for XX/XX/XXXX and XX/XX/XXXX, which are inaccurate. These payments were made on time. 

XXXX and XXXX : Report no late payments for this account. 

Pursuant to the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i ( a ) ( 7 ), I am requesting detailed information about the investigation process used to verify these late payments. Specifically, I request : The name, title, and contact information of the individual or department at XXXX that provided the information used to verify the late payments. 

The method by which the data was transmitted to you ( e.g., electronic, phone, written correspondence ). 

A copy of any records or statements provided by XXXX that were used to verify the accuracy of the reported late payments. 

An explanation of why TransUnion is reporting late payments while XXXX and XXXX are not. This inconsistency raises questions about the reliability of the reported information. 

A copy of the full investigation report, including any notes, correspondences, and findings used to conclude the verification. 

Confirmation of compliance with 15 U.S.C. 1681b, demonstrating that XXXX had XXXX permissible purpose to report this information.
Product: Student loan

I applied for the REPAYE program in XXXX, 2016. As of today, XXXX XXXX, 2016, my application has not been processed. It 's been 5 months. Fedloan Servicing has given me incorrect information time and time again. They asked me to pay an incorrect amount to process my application on more than one occasion, and I keep receiving bills for payments using the standard 10-year repayment program, which amounts to {$950.00}. I can not afford that payment. My loans have been in forbearance for 5 months now with no resolution. This morning I was told to continue to wait and check back since I have no other option, and to ignore the {$950.00} payment when it is due. I can not afford that payment, nor can I ignore it. Fedloan Servicing is giving me incorrect advice that could lead me a default of my student loans, while taking too long to process a REPAYE application.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX XXXX XXXX for what I believe to be a clear violation of my rights under the Equal Credit Opportunity Act ( ECOA ) and the Consumer Credit Protection Act. 

On XX/XX/year>, I received a denial of credit from XXXX XXXX for an XXXX XXXX application. The stated reasons included : Serious delinquency Number of accounts with delinquency Too many accounts with balances Lack of recent revolving account information This denial occurred while I had an open and active CFPB complaint ( ID : XXXX ) regarding inaccurate and unverifiable information on my credit report that was reported by TransUnion, XXXX same bureau XXXX XXXX XXXX XXXX evaluate my application. At the time, I was actively exercising my rights under the Fair Credit Reporting Act ( FCRA ) and Consumer Credit Protection Act, including initiating disputes and filing a formal complaint to correct my credit profile. 

Denying my application while that information was still in dispute and under federal review appears to be retaliatory and procedurally unjust, especially considering that I followed the law in good faith. XXXX explicitly prohibits creditors from discriminating or retaliating against applicants who exercise their legal rights in good faith. XXXX XXXX ' action is not only legally questionableit is harmful. 

The timing of the denial, the reliance on disputed data, and the failure to allow due process to conclude before making a decision raise serious red flags and warrant regulatory intervention.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX, TX XXXX Subject : Request to Remove Unauthorized Hard Inquiry Due to Identity Theft Dear Experian, I am writing to formally report that I am a victim of identity theft. I recently reviewed my credit report and discovered an unauthorized hard inquiry from XXXX XXXX XXXX XXXX, dated XX/XX/year>. I want to emphasize that I did not apply for or authorize this inquiry and have never sought any credit products from XXXX XXXX XXXX XXXX. 

My personal information was exposed in the XXXX data breach, which I believe may have contributed to this fraudulent activity. Under the provisions of the Fair Credit Reporting Act ( FCRA ) and its amendments, particularly section 605B ( 15 U.S. Code 1681c-2 ), I am requesting the immediate removal of this hard inquiry from my credit report. The FCRA mandates that once a consumer provides evidence of identity theft and requests the removal of fraudulent items, the credit bureau must block and remove such items within four business days of receiving the request.

To comply with the law, I have enclosed the following : A copy of my credit report highlighting the unauthorized hard inquiry. 

A completed Identity Theft Report ( FTC affidavit and/or police report ). 

Proof of my identity, including a copy of my government-issued ID and proof of residence. 

Failure to comply with this request would constitute a violation of the FCRA, specifically section 605B. The penalties for noncompliance include fines and statutory damages, as provided under 15 U.S. Code 1681n and 1681o. Case precedents, such as XXXXXXXX XXXX XXXXXXXX XXXX, demonstrate that credit reporting agencies may be held liable for damages resulting from inaccuracies on a credit report due to inadequate resolution of identity theft claims. 

I kindly request written confirmation that the unauthorized inquiry has been removed from my credit report. If you need additional information or documentation to process this request, please contact me at [ your phone number ] or [ your email address ]. 

Thank you for your prompt attention to this matter. I look forward to your confirmation within the legally required timeframe. 

Sincerely, XXXX XXXX