23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Citi attempted to bill my full balance ( not the amount due XXXX to my bank account, resulting in 3 overdraft fees of {$30.00} each, so {$90.00} in fees. Citi additionally charged interest and additional fees to my account, which have already been refunded. I am seeking reimbursement for the fees resulting from their multiple, incorrect, and unauthorized charges. I have already spent several hours on multiple phone calls attempting to resolve this issue. Citi sent me a letter on XX/XX/2018 requesting documentation, but no address to send it to. I am providing that documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 


Please remove this account : XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

this account has the wrong open date Account Name XXXX XXXX XXXX   Account Number XXXX and this account was improperly raged Account Name XXXX XXXX XXXX Account Number XXXX the following account has an improper open date and was also raged Account Name XXXX  XXXX XXXX Account Number XXXX the payment history on this account is not accurate Account Name XXXX XXXX XXXX Account Number XXXX
Product: Credit reporting or other personal consumer reports

This is my fourth complaint about Experian in violation of reporting inaccurate information that should be removed. I've submitted countless documents proving my claims yet they still haven't removed the inaccurate information. They even sent me a email saying that they have made mistakes on my credit report but has yet to remove the wrong data. It must be done immediately or I will continue to take legal action to the highest level of law. 
Experian has yet to remove the incorrect addresses I am not associated with. The name alias that are not my legal name. 
My credit report should only show XXXX XXXX XXXX XXXX. I have submitted my ID, social security card, identity theft report. All of this information has been sent in numerous XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 : #XX/XX/XXXXAccount name : # XXXX Account name : # XXXX XXXX Account name : # XX/XX/XXXXXXXX Account name # XX/XX/XXXXL ( charge off ) Account name # XX/XX/XXXX Account name # XX/XX/XXXX has violated my rights. 

15 USC 1681 SECTION 2 it also states a consumer reporting agency can not furnish without A written instructions. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

i naver hand a credit card with XXXX XXXX XXXX. this is not my act they have this credit card acout on my credit report whith a nother debt collector
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a complaint about my credit report however I have not received any changes. There are tax liens as well as inquiries that do n't belong to me. I have no knowledge of this debt. Please help me! I am furious!! Take them off!! State lien paid in released ( XXXX ) State lien ( XXXX ) State lien ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 Inquiries that were not authorized! XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/Experian credit works XXXX Experian identity rise consumer info Please Remove them immediately!! It should be illegal to report items that do not belong to me!!!
Product: Credit reporting or other personal consumer reports

I am formally disputing inaccurate and fraudulent information on my credit report. As a survivor of XXXX XXXX, certain accounts and debts were incurred without my knowledge or consent. These fraudulent accounts and derogatory items continue to harm my credit profile and do not reflect my true financial behavior. 

Key negative items include : 1. **Accounts in Dispute : ** - XXXX XXXX XXXX XXXX XXXX inquiry ( XX/XX/2024, XXXX ) - XXXX XXXX Open inquiry ( XX/XX/2024, XXXX ) - XXXX Open inquiry ( XX/XX/2024, XXXX ) XXXX XXXX of XXXX XXXX  Open inquiry ( XX/XX/2024, XXXX ) XXXX *XXXX XXXX XXXX** XXXX XXXX {$840.00}, XXXX ) - XXXX XXXX XXXX XXXX XXXX ( {$1400.00}, XXXX ) - **XXXX  XXXX XXXX ( Late 180 Days, XXXX ) XXXX. **Personal Information Discrepancies : ** - Incorrect names and addresses across all credit bureaus, including : - 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 **Fraud Alert : ** - A fraud victim alert is active on my **XXXX** file, confirming fraudulent applications may be submitted in my name without my consent. I have been a victim of identity theft as part of the human trafficking ordeal. 

4. **Negative Credit History : ** - Several derogatory marks are listed under collection agencies, including XXXX XXXX XXXX and XXXX XXXX XXXX which were incurred under duress.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accounts reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and TransUnion Consumer Solutions that appear on my credit report. This dispute is submitted in accordance with the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 USC 1681i ( a ) ( 6 ) ( B ) ( 3 ), which outlines the protocol for investigating disputes, and 15 USC 1681i ( a ) ( 5 ) ( B ), which addresses the reinserted information process. It is essential that all accounts are reported accurately and consistently across all creditors, and they should all reflect as closed accounts. I would like to draw your attention to 15 U.S. Code 1681e ( b ), which requires that consumer reporting agencies follow reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports. Recently, I discovered that several accounts that were previously reported as closed with 100 % payment history have now been inaccurately categorized as open. This change is misleading and has negatively impacted my credit score. The accounts in question are :
Product: Credit card

Since last XXXX I have been charged interests on my Amazon.com store card ( managed by Synchrony Bank ). On that card I have promotional balances at 0 % interest and regular purchases at 29.99 % interest. Every month I have been making extra payments to cover the regular purchases and the minimum on the promotional balance so to avoid an interest charge at 29.99 %. A few times I called to allocate the payment to the proper balance ( but not always ). 
Whenever I call and complain about interest charges the representative ( last one I spoke to was XXXX ) tells me : the system will allocate first to the promotional balance and it's up to you to call and request a different allocation. I quoted the Credit Card Fairness Act and she told me that it doesn't apply to this card because it's a store card and not a credit card. A store card is a credit card. XXXX also told me that she works for the bank therefore she knows better. 
The Credit Card Fairness Act states that : If you make more than your minimum payment due, creditors must apply the excess payment to the balance with the highest interest rate. If you make only your minimum payment, the lender can apply it to lower-rate balances. 
Obviously Synchrony bank does not see it that way, and I'm lead to believe that they are defrauding many customers with this scheme. After a long wait I managed to speak to a manager, XXXX, who XXXX much debate finally agreed to remove part of the interest : {$40.00} and some cents. 
I'm including my statements since last XXXX for your verification. Thank you
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX XXXX XXXXXXXX 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 of 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

Good day, I have reached out to all the companies I will be listing within this submitted complaint. I have tried on multiple occasions to have these companies remove all the inquiries that I did not authorize. 

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

I called XXXX 2017 to voice concerns to XXXX XXXX XXXX XXXX that I was unable to set up my monthly payment online due to a system error on their website. I also told them that had recently been XXXX for military service. They told me that they understood the situation and I made my payment immediately over the phone. Two weeks later that marked my account 30 days delinquent. This is unfair due the fact that I was unable to make my payment online.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPB 's findings indicate that Zelle not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Vehicle loan or lease

Payed loan XXXX months early the payment was due on the XXXX of the month and late after the XXXX. I never received any late notice. 
I was months ahead within the first year. 
They billed me {$2200.00} to receive my title
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : 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 or other personal consumer reports

I am writing to request the immediate removal of credit accounts associated with XXXX XXXX XXXX XXXX XXXX from my credit report. Upon careful examination of a provided screenshot, I have noted both inconsistencies and inaccuracies in the DATE OPENED, LAST REPORTED, DATE LAST ACTIVE AND DATE OF LAST PAYMENT all of which are in direct violation of 15 US Code 1681e ( b ). Furthermore, I never provided written consent for XXXX to report my information, as required by 15 USC Code 602 ( a ).
Product: Credit card

The merchant, XXXX, charged by debit card without my authorization in the amount of {$2000.00}, for work he did not perform. The merchant also issued a letter specifically stating he would not finish the job and that work was still pending and incomplete. I disputed the transaction and the bank continues to respond with a generic " the card was billed correctly '', i.e. the amount charged was correct. 

I was forced to hire another merchant to complete the job ( XXXX XXXX - attached ).
Product: Student loan

Sallie Mae has provided me no grace period for my loans. After complaining multiple times, I was still not given an answer. I graduated school in XX/XX/XXXX to which the next month I began to get charged. I called before I had a balance to which I tried to see if there were any programs that I could enroll to defer. I am unemployed. I could not make payments and they gave me no way to pay them time and time again. In XXXX, I was told that I had to provide proof I was in school in XXXX, which I did. I provided both my transcripts, school clearing house records through fax and via secure document portal. I had to borrow money from family to not go into default. They continued to charge me monthly. They could never answer my question regarding, my grace period. They have never tried to give it to me and continue to harass me day, night and day after day with emails and calls. It comes to the point of where I can't even answer my phone if jobs are calling me because of the harassment. In XXXX, they tried to sign me up with this repayment program of where you only pay interest because it was the only option given to me. They would still send emails and calls harassing me, they have even tried to take out money before it was due. They don't allow you to make custom payments on their website. They don't allow you to send payment with a card. They only allow payments through a bank account, with total amount due. I spoke to multiple employees ; Where I have recorded multiple conversations and I have a bunch of their employee numbers.As of XX/XX/XXXX, their employees and supervisors lied. I was told if I paid with borrowed money I would be eligible for a forbearance. My account was made current. I talked to XXXX XXXX and XXXX XXXX XXXX ( lied about her name )! They told me that after my payment, I could have forbearance. Now the supervisor XXXX XXXX said the FDIC doesn't do forbearance and they can't help me. She had no resolution for their improper practices.
Product: Credit card or prepaid card

Hello. 
I use Mercury XXXX XXXX Corporate Banking service. 
They are closing my corporate account in XXXX XXXX man dargon llc I have used their credit card to purchase ITIN service on XX/XX/2022. 
The seller is XXXX 
They use stripe to collect the money. 
This company can't fulfill the service because they are not XXXX, so they can't represent for itin application and they don't refund. 

I approached Mercury XXXX to file a dispute, but Mercury Bank, suggested that they would not assist in filing a dispute because it was over 60 days old. 
Here is the reason I asked Mercury XXXX to file a dispute based on the FCBA laws. 

Here is the FCBA laws. 
The Fair Credit Billing Act ( FCBA ) requires credit card issuers to investigate billing errors and unauthorized charges. The FCBA sets forth specific procedures that credit card issuers must follow when investigating disputes, including notifying you of their findings within a certain timeframe. 

My claim : 1. Mercury Bank to file a dispute on my behalf and refund the money for these 2 transactions. Total XXXX. 
2. XXXX allows me to dispute and Mercury XXXX to refund me, and then Mercury XXXX refunds me a total of XXXX.
Product: Mortgage

Beginning the house buying process we were pre-approved with this lender. After finding a property and having our offer accepted, our lender, we thought, started the paperwork. During the month between the offer and closing, our loan consultant changed jobs XXXX times. Being our first home, we did n't know what to expect and our agent assured us consultants change jobs a lot. Our consultant did n't ask for much documentation after gathering the essentials in the beginning. Our appraisal was done late, on our part. Our consultant assured us she would get everything rushed. The day after the proposed closing date, the consultant started to ask for more income and credit based documents. She also was no longer reachable by phone, our agent could n't even get in touch with her. After submitting income-verifying documents, she attempted a Rapid Re-score to get the credit score from a XXXX to a XXXX. In the process she actually lowered the score to a XXXX! She also then blamed the drop on something else. At the end of being completely frustrated we saw the XXXX inquires she put on our credit. We inquired with her first company, to see if they could straighten out the mess. She then informs us, by email, that they might could help us. So she basically figured she could stall the process and in the meantime our credit score would go up the XXXX points. All the while not keeping us up to date and being illusive.
Product: Credit reporting or other personal consumer reports

I filed a complaint about this account earlier for XXXX XXXX XXXX, you did investigation and said information is accurate which is not true. In accordance with the Fair Credit Reporting act, XXXX ( A ) ( XXXX ) 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting I have an account that is not correctly reported. Account Name : XXXX XXXX account number : XXXX you have this account as closed with a balance of {$77.00}. but this account is fully paid-off and balance on it should be {$00.00} i have attached email confirming full payment of this account. 

I have attached letter from company acknowledging account paid-off since you guys keep instigating and only indicate account charge off and closed and not indicating its been paid-off
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. I don't even know who they are or how they obtained my information..This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX CARD
Product: Debt collection

I received a Summons to court for XX/XX/XXXX with attached billing type of documentation that had only my first and last name on it, with no reference to a billing address, and only referenced the last XXXX digits of an account number. I have not had any communication that I know of from this debt collector. I do not recognize this debt or having a credit account with the referenced creditor. I do not have any record of payments being made by me to this creditor, though the statements say payments were being made apparently at some point. Also the provided statements show a card security fee being charged, which upon inquiry I was told it was something that was a type of service that would have paid the owed balance in full upon default, and that if this was legitimate, it should have not been sold to the debt buyer, XXXX XXXX, in the first place. The statement provided is dated for XX/XX/XXXX. I was advised by a lawyer that this debt is most likely identity theft, since the security service was purchased, as the claim amount is relatively low at {$2600.00}, and am retaining a lawyer for all communications, including with the company, and had been advised to not acknowledge the summons, as it could be construed as an admission to validity of the debt. This research has taken longer than expected, therefore the date of this complaint that I have been advised to submit personally after the fact.
Product: Checking or savings account

From XX/XX/XXXX until XX/XX/XXXX, my checking account was hacked. A XXXX  account was allowed to remove over {$1000.00} from our account through fraudulent withdrawals. I have provided bank statements, records, everything they have requested me to do to dispute these charges. I have met with my Bank manager, she agreed that we were a victim of fraud. She has tried to help me. We are unable to talk to anyone who actually has any power To plead our case. I can absolutely prove the fraud, but they continue to deny my disputes. 
XX/XX/2024 {$95.00} XX/XX/2024 {$10.00} XX/XX/2024 {$95.00} XX/XX/2024 {$95.00} XX/XX/2024 {$95.00} XX/XX/2024 {$95.00} XX/XX/2024 {$120.00} XX/XX/2024 XXXX These charges were made from a XXXX XXXX  account that did/does not belong to me. I have proven this through documents provided to Regions Bank. 
All of these charges went to the same account. XXXX XXXX confirmed these charges were not from my account.
Product: Credit reporting or other personal consumer reports

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT WAS DEEMED UNVERIFIABLE AND REMOVED FROM MY CONSUMER REPORT. I PULLED A COPY OF MY REPORT AND NOTICED THE ACCOUNTS BACK LISTED UNDER FCRA 15 USC 1681I ( 2 ) A, I WAS SUPPOSED TO RECEIVE A WRITTEN NOTICE WITHIN 5 BUSINESS DAY BEFORE REINSERTING ACCOUNTS TO MY PROFILE. I DID NOT RECEIVE ANY CORRESPONDENCE VIA MAIL I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B.

FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION