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

I received a copy of my credit report and noticed there was some information on my report that is inaccurate. I am in the process of buying a home and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following account in dispute is listed below : Placed for collection:XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, PA XXXX Loan Type : DEBT BUYER **This company is reporting on my credit report that I reaffirmed this debt. This is incorrect and they are violating HIPPA rights with this misinformation.

Placed for collection:XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX This company is reporting that this account is correct and is not consistently reported across the three credit reports. This debt is incorrect and needs to be removed. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ). I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. Please Delete Telephone numbers that do not belong to me as well.
Product: Credit card

The promotion ( 12 months interest free ) ended and they added Interest for all the transactions that were run on the credit card from the beginning even for those transitions that were paid off. 
At time of the promotion ending I only had {$5600.00} left to pay, Care Credit added 26.99 % of interest {$5800.00} which made my total balance {$11000.00}. 
They charged my interest for transaction that have been paid off long time ago. 
This is financial abuse and it should be illegal.
Product: Credit reporting or other personal consumer reports

I am writing to notify you of a situation in which credit cards were opened in my name without my knowledge or consent. I recently discovered that my mother opened several credit accounts under my name, and I did not authorize or apply for these accounts. 
The affected accounts are : Citibank CBNA XXXX XXXX XXXX XXXX CBNA ( Citibank ) I have filed a police report regarding this matter, but I am hoping the situation can be resolved without needing further legal action. If my mother is able to pay off the balances on these accounts and transfer them into her name, I believe this would resolve the issue without the need for ongoing legal involvement. However, if this solution is not possible and the accounts remain in my name, I will need to proceed with the police report and take the necessary legal steps to clear my name and credit. I kindly request your assistance in investigating this matter, ensuring that any fraudulent charges or debts are removed from my credit report, and that the accounts are either transferred or closed. 
I would appreciate your prompt attention to this situation and would be grateful for any advice on how to proceed while the matter is being resolved. Please let me know if any additional information or documentation is required. 
Thank you for your understanding and cooperation.
Product: Credit reporting or other personal consumer reports

I file a complaint because I did not consent to, authorize nor benefit from any of the following inquiries or accounts. 

ACCOUNT NAME : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. Since 4 business days from receipt of this communication allotted under the Federal Law to block these entries, it should be understood that failure to do so within a 4 business days period after receiving this letter constitutes reason to promptly delete the information from my credit file. Refer to : ( FCRA USC s 168li ( S ) ( A ) ).
Product: Credit card or prepaid card

My credit card was declined at two different stores of the same company : XXXX XXXX, 2022. The amount was {$60.00}. I have been a customer of this company using this account for almost 55 years with no trouble. 

When I contacted the company they said they would verify my identity, but could not tell me how they would do it. They said they would send me something to help verify my identity, but would not tell me what they would send or how they would send it. 

The company has been billing me monthly for almost 60 years but the bills stopped coming after XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

First, I filed a Complaint with cfpb, on XX/XX/XXXX, related to Transunion, complaint number XXXX. The Complaint related to Transunion 's refusal to properly investigate and/or remove derogatory information within the time frame allowed by law. My first dispute and request for investigation or removal of derogatory information was filed and received by Transunion on XX/XX/XXXX. My dispute letter was supported by undisputable evidence that the derogatory information was inaccurate. As of today, Transunion has not properly investigated or removed the derogatory information. The information I am speaking of relates to the following, companies and/or creditors : ( a ) US Dept of Education/XXXX # XXXX/ Account No. XXXX - this debt was paid in full on or about XX/XX/XXXX.See attached evidence. Irrespective of the evidence provided to Transunion they have refused to investigate or remove the derogatory information. My credit report, with Transunion, currently shows nine ( 9 ) 120 day past due payments ( XX/XX/XXXX through XX/XX/XXXX ). I asked Transunion to explain how I could have a 120 day late payment in XXXX, when in fact the entire debt was paid in XXXX? Transunion refused to respond or remove the derogatory reporting. 

On XX/XX/XXXX, one full day " prior '' to my complaint being filed with cfpb, complaint number XXXX, Transunion sent me a response that claims their reporting is accurate. The explanation was that my student loan, loan number XXXX/Account No.  XXXX was transferred to and consolidated with student loan number US Dept of Education # XXXX ... This makes absolutely no sense and is contrary to Transunion 's own Credit Report. Transunion 's own Report states that my student loan, loan number XXXX/Account No. XXXX, has a XXXX balance. Additionally, the documents I sent to Transunion state that the balance was XXXX, as of XX/XX/XXXX. The student loan, loan number US Dept. of Education # XXXX ..., says that there is a {$2200.00} balance. So how does that work. Assuming for argument sake Transunion was correct, which they are not, why would they report derogatory twice for the same allegedly consolidated loan? 

I first complained and disputed about this incorrect reporting on XX/XX/XXXX ; but because of Transunion 's negligence I have been damaged financially and continue to be damaged financially, regarding this matter. 

( b ) On XX/XX/XXXX, I requested that Transunion correct inaccurate reporting related to XXXX XXXX XXXX XXXX ; however, as of today Transunion has not investigated or corrected or removed those derogatory remarks. 

( c ) On XX/XX/XXXX, I requested that Transunion correct inaccurate reporting related to XXXX/XXXX XXXX XXXX ; however,, as of today Transunion has not investigated or corrected or removed those derogatory remarks. 

I am asking that cfpb intervene, because Transunion refuses to comply with the law. My credit has been damaged 100 percent because of Transunion 's negligence and refusal to comply with the law as mandated by congress. 

By : XXXX XXXX, XXXX
Product: Checking or savings account

We opened a free online checking account through Bank of America to manage home improvement expenses ( XXXX ). At an arbitrary time, BoA changed their policy on this account without our knowledge and suddenly started charging fees on the account when the balance went below {$1500.00} after some home improvements ( XX/XX/XXXX ). After some time, we noticed a reduced balance on this account and inquired as to why with BoA. We were told we had let the balance drop below the now arbitrarily low limit of {$1500.00} ( note : we have approx $ 20k in  balances with this bank in other accounts, would have been no issue to transfer money to meet this limit ). When the money was transferred to our other accounts in preparation of closing this account, we received a low balance warning via email immediately. 

Bank of America claims we were given sufficient notice by the fee line item appearing on the statement. While the fee line item may have appeared on our statement, there was neither explanation once it was assessed presented in the statement nor was it shown to be linked directly to this account. Since we have multiple accounts, there was no clear way to discern how or why this charge was assessed without immediately filing a complaint. 

Furthermore, they demonstrated the capability of notifying us of a low balance by way of a notification email we received upon closure of the account telling us our balance was below {$25.00}. Since it is convenient for them forego notifying us as there was sufficient funds to remove money at will without risking an overdraft, we believe their process is flawed and predatory to the customer to inappropriately charge fees. 

After multiple attempts to resolve the issue, Bank of America is refusing to refund fees totaling {$160.00}. Their phone agent admitted the notification structure is not as thorough as it should be, but that they are within legal compliance. When asked if they are willing to sacrifice a 20 year banking relationship over {$160.00} in fees, the response was that there was nothing they could do. Bank of America has demonstrated that they are abusive and unwilling to work with their customers in this instance.
Product: Credit reporting, credit repair services, or other personal consumer reports

My criminal background check is returning information from 2007. State of Texas law dictates 3rd party agencies cannot report criminal background information older than 7 years.  They have sent my information to an employer.
Product: Checking or savings account

On Monday XX/XX/XXXX, I deposited a check from my investment company via mobile into my personal checking account. My Investment company is XXXX XXXX XXXX and Ive been an client with them for almost 18 years and I have certainly received checks in the past from them and also have deposited checks from this institution in the past into my Suntrust personal checking account. Never had an issue. Few mins later I immediately got a confirmation that the check has been sent to the personal checking account and Suntrust bank will notify me in XXXX of funds available. 
So, the next day early that morning of XX/XX/XXXX, I received another email from Suntrust stated, the deposited check will need to be split into 2 by XXXX XXXXf that same week ( XX/XX/XXXX and the next XXXX  by XXXX XX/XX/XXXX ). I thought to myself for a second, this must be a be a new policy, etc. However, I went on with my day at work and returned back home later on XX/XX/XXXX evening to were I received another email from Suntrust, saying the entire check is on HOLD until XX/XX/XXXX. 
Of course, I immediately called Suntrust customer service to see why??!! The rep at that time was really nice and told me sometimes when customer deposited check via mobile, it takes maybe a little longer. Meanwhile, Ive already spoken with XXXX XXXX XXXX about the funds being held and they told me along giving me a reference number saying theyve already dispensed the funds to my Suntrust bank on that XXXX  midday. 
So, now Im confused and my frustration has grown to getting XXXX off. 
I had to call Suntrust 3-4 times during XXXX XXXXo speak with someone that ( 1 ) could display respect to their clients and not hang up on me. Mind you, these calls are recorded. Moving on.I received NOTHING be complete disrespect, disregard and sarcasm from the customer services team. Two people in particularly XXXX XXXX and a person name XXXX the supervisor that worked XXXX morning ) between the hours XXXX ) Ive been a client for almost 20 years with this bank and I can tell you this, the individuals working in that corporate setting are completely untrained, and unprofessional with their so called customers services skills! I was really blown away by the fact these people said, my check is under investigation and its coming from a confidential source they could not say who. Wow!!! 
They may not know how the law works, but when you use words like investigate and/or confidential you better have backed up resources and processes. At this point, I was disappointed and disgusted by the useless conversation and/ before the calls was constantly being hung up by these Suntrust employees. 
I need someone with a sense of urgency and professionalism to assist me with to why check is under investigation and why theyre not trying to reach out to the other institution vs. throwing legal terms to a client who has never had ANY fraud related to any of my checks nor deposits. 

I want this handle diligently and rapidly. 
My next move is contact the XXXX XXXX. 
Suntrust you can not be serious with hiring people whos willing to tarnish your legacy.
Product: Credit card or prepaid card

On XX/XX/XXXX I opened a dispute with Case over XXXX in charges by XXXX. My case was opened on XX/XX/XXXX and I submitted all required supporting information on XX/XX/2018 via secure message on the chase website. I received confirmation via secure message on XX/XX/XXXX that the information was received ( all attached ). I received a letter on XX/XX/XXXX stating that my case was closed as no information has receive from me. I immediately called and opened a new case, that Chase now calls a re-dispute. I was told it would take 30 days to resolve. I received a letter on XX/XX/XXXX that my information ( original sent on XX/XX/XXXX ) was received. When calling today, XX/XX/XXXX, I was told that all case information was not received until XX/XX/XXXX and that I would need to wait at least another month for resolution. I was never give a credit for the amount in dispute and I have been working with Chase for over two months to get this resolved. Today I spoke with an account supervisor named XXXX and a dispute supervisor named XXXX.
Product: Prepaid card

I purchased an Amex prepaid gift card with a balance of {$750.00} on XX/XX/year>. However, when I tried to use this gift card on XXXX, all transactions were declined - ranging from $ XXXX. XXXX customer service could not help. I then researched online and saw numerous identical complaints across various sites stating that Amex gift cards are nearly impossible to use online and in person. Many stated that they ultimately filed a complaint with CFPB for a refund.
Product: Credit reporting

I filed a chapter XXXX bankruptcy and Transunion in the public records section of my credit report has an amount listed.No amount can show in a discharged account by federal law no amount is showing on my XXXX account under the same category.I tried to dispute on Transunions site but for some reason it kept timing out.This is for XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im reporting that I have proof of illegally reporting inaccurate information about me.with the following collection past due dates and balances of the amounts. This is a violation of FCRA and I have a right to a completely accurate credit report and if not true I would appreciate it it if you PLEASE IMMEDIATELY REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX reporting open XXXX closed Equifax closed ( incorrect delete item by law ) XXXX XXXX XXXX XXXX reporting closed XXXX closed Equifax open ( incorrect delete item by law ) XXXX XXXX XXXX date incorrect XXXX  date wrong Equifax I date incorrect These are effecting my life by not being reported correct all I ask for is to be DELETED AND REMOVED FROM MY CREDIT REPORT THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requiring that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misreprensentation of fact by me relevant to the request to block the identified transctions. 


This is the second complaint I have filed to recify this issue with XXXX and Experian. XXXX has completed and updated the information as needed. I was told by a representative at XXXX that the FTC report was incorrect. Experian has not updated anything nor has they properly verified the information as they have the WRONG social security numbers listed on my credit report which is basis for INSTANT REMOVAL!! ( see attached report and coountless of incorrect addresses ) They have yet to confirm if any of these companies have a signed SSA-89 form which is how the information is verifed. I am tired of going back and forth with these CRA 's. 
They have a DUTY to ensure my report is CORRECT, FAIR and EQUITABLE to me as a CONSUMER. ACCTS : XXXX XXXX XXXX ( no acct number listed on EITHER report ) ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Here 's the complaint I filed with the OCC about M & T Bank : I opened a checking account with M & T Bank on XXXX XXXX, XXXX. The check was for {$2000.00} and when it cleared I withdrew {$1500.00}. I had done some painting for a friend and was paid in a check so I used that check to open the account. On XXXX XXXX, XXXX, I deposited another check from the same party for {$620.00}. I did not withdraw any cash. On XXXX XXXX, XXXX, my account was locked due to fraud detection. I was on vacation in Colorado at the time. It was unusual that they did not contact me to let me know, I found out when I went to check my balance online and was not able to log in. I called the fraud hotline and spoke to a representative for XXXX minutes and she told me there was nothing that she could do and that I should contact the branch that I opened the account with and maybe they could help. None of that made sense to me but I did call the branch and spoke with the woman who opened my account, she said she would call the back office and speak to them. She was able to get my account unlocked. The next day ( XX/XX/XXXX ), my account was locked again. I called the branch and spoke with the same woman and asked what was going on. She looked at my account and said it was locked due to suspicious checks. She said the back office wanted to know why I withdrew {$1500.00} immediately. I explained that it was XXXX time and I also had to pay my helper for the paint job. At this point my account is still locked, I have not had access to my money since XX/XX/XXXX, and the only communications I have had with the bank have been the ones that I've initiated and those have only been with employees at the local branch. No one from the main office or fraud department has reached out to clear this up. There is nothing that should indicate fraud from these checks and there is no reason that my account has been locked for this long without anyone calling or emailing me to figure it out. On XXXX XXXX, XXXX I went in person to my local branch and told them I wanted to close my account because I was beyond the point of reconciliation. To me, this is something that should have never happened in the first place, but beyond that should not take this long to resolve. How is depositing a check and withdrawing cash enough " evidence '' of fraud to justify suspending my account for this long, all without ANY communication from M & T Bank? Is there no bar here? No regulation, rule, or policy lays out what constitutes fraud? Is what M & T Bank doing to me legal?
Product: Vehicle loan or lease

I was not late with my payment for XXXX I have paid every month on time. I even made payments online ahead of time, that were scheduled. I requested for my account to be reviewed as I lost my job for 11 months in XXXX, and they never helped with anything.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute fraudulent accounts that have appeared on my credit report. After recently reviewing my credit report, I identified the following accounts that were opened without my authorization and are negatively impacting my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and credit reporting agencies are required to investigate disputes within 30 days. Since these accounts were opened fraudulently, they should not be reflected on my report. The FCRA mandates that credit reporting agencies must delete or correct any inaccurate, incomplete, or unverifiable information within the specified timeframe. 

Additionally, under the Identity Theft and Assumption Deterrence Act, it is illegal for anyone to use another persons identity for fraudulent purposes. This federal protection also grants me the right to request the removal of fraudulent information from my credit file.

Therefore, I request the following actions be taken immediately : Removal of all fraudulent accounts from my credit report.

Correction of any negative impact these accounts have had on my credit score.

A written confirmation that the fraudulent accounts have been removed or corrected in compliance with federal regulations.

Please consider this my formal request under the Fair Credit Reporting Act, and I expect an investigation and response to be completed within 30 days as mandated by law. I am also prepared to provide additional documentation if necessary to support my claim. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that these fraudulent accounts have been removed and that my credit report has been corrected. 

XXXXXX/XX/XXXX
Product: Debt collection

I am writing to formally dispute the validity of the debts associated with the accounts listed below and to request comprehensive validation in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). Account Details : Account Name : Credit Collection ServicAccount Number : XXXX Account Type : CollectionDate Opened : XXXX : Collection account ; {$340.00} past due as of XXXX XXXX : $ XXXX Updated : XXXX : XXXX  MonthOn Record Until : XX/XX/year> Account Name : Credit Collection ServicAccount Number : XXXX Type : CollectionDate Opened : XXXX : Collection account ; {$1100.00} past due as of XXXX XXXX : $ XXXX Updated : XXXX : XXXX  MonthOn Record Until : XX/XX/year> 2031
Product: Money transfers

Paypal did not notify me in advance that I would not be able to use the instant transfer. It seems to be something that is not readily available. You can use it for XXXX transaction and then when you make an identical transaction for the same amount to the same person the next month, you are not able to complete, but the following month you can. A search on google implied that it could be due to an credit card coming up for expiration but offered no other reasons for when that is not the case - and by the way these are not answers from paypal but from other consumers.