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

investigation/reinvestigation into every aspect of any delinquency You are improperly reporting an alleged Public Record to the credit bureaus that is clearly in noncompliance with recognized XXXX Reporting Requisites per the CRGG as well as the FCRA, and thus permission to report a single aspect or notation of any alleged accounts, much less a public record that was not even reported to you by the alleged court of Record. I formally contest the reportability of the alleged Public Record.

Immediately, DELETE ALL record of the following alleged public record, or else provide certified proof that you have physically verified each notation for maximum possible accuracy and ) compliance with all XXXX reporting standards Case # XXXX This Public Record item is deficient as reported, and Per Federal reporting regulations all claims MUST be to a maximum " possible '' accuracy and a maximum " possible '' completeness, which extends to the reporting mandates that there be no deviation from XXXX Go Format compliance since, per the CDIA, DNP 3-4 " Any deviation I from these standards jeopardizes the integrity of the data ''. 
Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Your prompt attention to this important matter is requested in order to comply with federal law.
Product: Credit card or prepaid card

I booked a flight on XXXX  XXXX  with a citibank credit card. The {$560.00} flight was XXXX to XXXX for XX/XX/2021. XXXX  cancelled the flight. They refused to refund the charge and only offered a voucher which I refused. 

I filed a complaint with citibank, escalated to the executive response unit. It has been months and they refuse to issue any credit to my account. They have stopped updating me with any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear credit bureau I am exercising my rights under the Fair credit reporting acts, section 609, to request information regarding an item that is listed on my consumer credit report Account name : XXXX XXXX intern Account number : XXXX  Account name : keys federal credit Account XXXX Account name : XXXX XXXX XXXX Account number XXXX As per section 609 I am entitled the source of information which is the original contact that contains my signature. I have included copies of my license and social security card If information can't be verified I would like to remove information in 30 days thank you XXXX XXXX XX/XX/98
Product: Checking or savings account

Wells Fargo intentionally and fraudulently puts my wife 's account into low account balance and once the account goes into negative, the bank would charge the account overdraft fees. This results in the bank charging the account hundreds of dollars in so-called and fraudulent overdraft fees. After meeting with a personal banker to discuss the matter, Mr. XXXX XXXX, he angrily subjected that the only solution is to file a complaint against the bank because " the bank has no reason to refund the charges.
Product: Checking or savings account

A checking account was opened in my name online. I received the debit card in the mail today. I have never opened or had an account with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. 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 : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to ignore my disputes and not fix the problem. I have repeatedly disputed some of the items over and over and over again. To no avail, even with proof the account is inaccurate, they simply send an Email stating the investigation is complete, when they are not investigating accurately AT ALL. Specifically : On XX/XX/2019 : I disputed : XXXX XXXX, # XXXX and it states it is accurate when in fact it is not. This is a sold debt that was in fact closed on with XXXX with no monies being owed to that party, as I was not in a contract with them. Further, this account is being reported as if its a new debt and in fact it is not. Lastly, I have RECEIVED NO communication from XXXX XXXX about this debt- AT ALL. 

On XX/XX/2019 : I disputed : XXXX XXXX, # XXXX. This car was totaled in an accident and the car was paid off by my insurance agency, XXXX XXXX and there was NEVER a late payment. In fact, the car was paid off 7 days after the accident. I DO NOT CARE what XXXX XXXX   tells you it is proof of this with the XXXX PD and of course XXXX   XXXX. It remains inaccurate on my report and you have NOT done due diligence according to FDCPA. 

On XX/XX/2019 : For the 5th time- I disputed : XXXX  XXXX # XXXX. I still have my XXXX XXXX account open and this {$77.00} is incorrect. 

On XX/XX/2019 : I disputed : XXXX XXXX # XXXX There was NEVER a late payment with this account. I received a 2 month forbearance due to dealer tag and title paperwork to tag the car was not sent to me in a proper timeframe upon purchase of the vehicle ( of no fault of my own ) XXXX is aware and I have documentation of proof to show ; Payments have just resumed. 

Lastly : on XX/XX/2019 : I disputed : XXXX XXXX  # XXXX : I have no knowledge of this company, I have not received any debt collection information from this company and further the debt in question is not mine! How is it this information can just appear on my report without any knowledge to me of the who, what, when, where or why? 

Transunion and the companies aforementioned are direct violation of FCRA.
Product: Credit card or prepaid card

Every time I apply for a card with this bank Comenity they decline me. I asked them are you prejudice against XXXX and XXXX? Because I am XXXX and i am XXXX. They put me on hold and never resolve the issue. 

Now the letter states things that don't exist on my credit report. They refuse to help me with my applications and when I call they won't connect me to a mgr to help.
Product: Credit reporting or other personal consumer reports

SANTANDER CONSUMER USA. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Goodwill Request for Removal of Late Payment I am writing to you regarding my auto loan account number number XXXX, I want to express my sincere gratitude for the services I have received from SANTANDER CONSUMER USA and for the continued support in managing my loan. 

Recently, I noticed that my credit report shows a late payment on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I fully acknowledge this mistake and take complete responsibility for it. However, I would like to provide some additional context that I believe is important for considering my request to remove this late payment from my credit report. 

During the period in question, I experienced an unexpected event. This exceptionally difficult situation temporarily affected my ability to manage my finances properly. Since then, I have taken significant steps to ensure that all my payments are made on time, and I have maintained an impeccable payment history. 

My payment history before and after this incident reflects my commitment and diligence in meeting my financial obligations. Attached to this letter are copies of payment receipts that demonstrate my on-time payment history. 

Given my effort to maintain a good account standing and my desire to improve my credit situation, I kindly request that you consider removing the record of this late payment from my credit report. Your understanding and cooperation in this matter would be greatly appreciated. 

Thank you for your time and attention to this request, and I look forward to a favorable response. If you need any further information or additional documentation, please do not hesitate to contact me.
Product: Checking or savings account

bank of America is in clear violation of ( FCBA ) Fair Credit Billing Act Automated Clearing house ( ACH ) Federal Trade Commission 's Act ( FTCA ) Electronic Fund Transfer Act ( EFTA ) Uniform Commercial Code ( UCC ) Fair Credit Reporting act ( FCRA ) Nemours times i have requested in writing form for different department proof of Authorization on ACH Transactions and EFT on my bank of America account and they still have not supplied it do to the fact that they can not furnish one i add ive demanded detailed transaction transcripts and they refuse to supply them they only send minimum when asked how many account i held on XX/XX/XXXX i was told three when i asked about third account i was told i had two checking and a savings then when i called in again for another question i had i was told its two savings and a checking account when i asked who authorized the 3 rd account hey said they opened it in XXXX of XXXX do to suspicion of fraud on my checking account so they closed it and turned my savings in to a checking and opened a new savings with out my permission they never closed any of the accounts till XXXX of XXXX the new account they opened they put XXXX dollars in and then took XXXX out of it and ll it says its to related account they changed change my name on the account your info is electronical stored so we statements are printed the name should appear the same every time no one month XXXX XXXX XXXX XXXX next Month XXXX XXXX XXXX which means they where altering statement there a transaction two days apart different amount but same transaction I D they where holding back transaction by two to three days beyond the 72 hour normal post time to constantly keep account over drawn they allowed enormous transaction and and flagged one by there monitoring system but yet lock me out of account over a XXXX dollar gas station purchase they purposely aided none employees to my account information i received a text from a lady in XXXX laughing saying how's it feel to be broke that her friend who is an manger of finance at bank of America gave her all the info she need there no way made transaction at a venue if i was XXXX miles away when reported to bank of America all i got was literally blah blah blah hangs up phone i send proof i was out of town they do not want to investigate cause of the fraud and misrepresentation of there institution Bank of America Cleary neglected and abused my account and i believe that it was an employee in one of the management offices and they where behind bottle blonde and one of its employees to take all my money and they took advantage of my XXXX and to the fact that i suffer from XXXX XXXX XXXX XXXX and bank of America is trying to cover it up and i pray that the government and all its regulations will step in and put a stop to this because they stole over XXXX  a XXXX dollars from me and who knows who else bank of America failed to obtain proof of authorization on two separate achs s that where fraud XXXXXXXX  XXXX and XXXX for XXXX dollars they failed to monitor my account which was trusted in them or they just didn't care
Product: Debt collection

I'm not sure of our actual move-in date, but it was early 2019 ( probably the first quarter ). We moved in based on the Landlord 's agreement to repair the carpet damage left by the previous tenants. The damage was in the second bedroom, and it was a discoloration that covered more than half the room. The promise was kept, and the carpet was replaced within approximately two weeks after we moved in. 

After living in the apartment for approximately a year and a half, we found a home and moved out. There was no move-out inspection because of a manpower shortage. We were later billed for the carpet damage that existed prior to our move-in. Just myself and my wife lived there, and we rarely even had company. There was absolutely no damage caused by us during our residency, but we were charged for it after moving out and later reported it to a collection agency, who marked and damaged our credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

upon terminating my account before relocation XX/XX/XXXX, I entered into a early termination agreement with XXXX to pay {$20.00} per mo. until balance of {$330.00} was paid in full. I have honored that agreement with payment receipts up to XX/XX/XXXX ( please see attached XXXX 's payment record ) The remaining {$110.00} I mailed to XXXX XX/XX/XXXX in the exact same way as I had the many payments before. In the form of a money order, the exact same address as before. ( please see attached money order copy for {$110.00} ) On XX/XX/XXXX my credit report shows this {$110.00} listed as in collection. ( please see attached, my letter to XXXX dated XX/XX/XXXX making them aware of there violation of my rights under the Fair Debt Practices laws ) XXXX & Diversified Consultants , Inc . Response : ( please see attached letters dated XX/XX/XXXX & XX/XX/XXXX ) XXXX says they had not received my payment, and advises me to contact the money order company to see if money order had been cashed. ( please see attached XXXX letter dated XX/XX/XXXX & money order copy ) Diversified Consultants, Inc. letter confirms the debt I owe. ( please see attached letter dated XX/XX/XXXX ) The violation is that this letter of first communication is four months late. Therefore denying me the right to dispute the debt if I owed it, under fair debt protection law. Please note that XXXX 's own payment record shows that I was payment current as of XX/XX/XXXX ( please see attached XXXX payment history record ) This shows there was no reason to report collection on my credit report. Because the grace period between payments had not expired. Record shows first report to my credit report was XX/XX/XXXX. ( please see attached letter dated XX/XX/XXXX making XXXX aware of the violation of my rights ) XXXX has yet to respond to this letter dated XX/XX/XXXX where I 'm still trying to settle this matter. I tell them that I took them advice and contacted the money order company, and found that the money order had not been cashed. and explained that XXXX XXXX money order refund would take up to 45 days. and as my letter goes on to say. I would send another {$110.00} to XXXX in return they remove the collection from my credit report that according to evidence should not have been placed there anyway. Know response from XXXX as of present, but I have received refund from XXXX XXXX less {$18.00} fee for refund. ( please see copy attached ) Please investigate and have removed from my credit report. Thank you for your time in this matter. for it appears they are parking the debt on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an item on my credit report that I have disputing for months now with XXXX. This is not my debt. 

The item in dispute is attached in the document below, along with tax documents proving my address at time of " debt ''
Product: Credit reporting

Equifax will not release my credit report to companies that request it. I am trying to purchase a house and the following lenders are unable to access my Equifax Credit File : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. I need this fixed immediately. 

I have no security freeze on my credit report as confirmed by Equifax when I call. I am also unable to access my credit report when using XXXX and I have never been able to access it using Annual Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX Balance Owed : {$3700.00}
Product: Checking or savings account

My XX/XX/XXXX chase credit card bill was accidentally paid in full due to my misunderstanding of what the statement balance was ( including some pay over time balances. I spoke with a Chase rep on XX/XX/XXXX and the rep understood my misunderstanding and credited my account the full credit card payment Chase understood the issue and reversed the payment of + $ XXXX. I asked if I would be able to issue the partial payment to the credit card the amount but the rep advised that the bill was already paid so I couldnt do that. I tried to make the payment and verified I could not pay more than the outstanding balance on my card which was only {$5000.00}. I thought maybe the credit card bill would reflect the unpaid amount in the next statement so I waited. However, chase just withdrew the + $ XXXX on XX/XX/XXXX for the payment reversal without any warning or notice resulting in my account being overdrawn. I had to transfer money between accounts to cover the negative balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the 20th time, I would like for Ad astra recovery to explain how I owe them money, in the last complaint, they said " They are a third party debt collector '', which means they bought the debt, so again please explain how I owe you money? 
Ad astra recovery has not provided any business or services to me, so to say I owe you money is FRAUD, If I hire a credit repair service, this would be removed, I am in the process of reporting Ad astra recovery and the credit bureaus to OCC
Product: Credit reporting or other personal consumer reports

I been a victim of identity theft this has been a big impact on my credit .... please remove fraudulent accounts.
Product: Checking or savings account

I have been having an issue with Citi bank since XXXX of 2020 until currently now. I have downloaded an app on my phone that allowed me to play games and they had my card information. I had unauthorized payments that was constantly trying to get deducted from my accounts that created negative amounts in my account. Ive spoken to over 20 representatives to get try to figure out my situation. Every time those negative balances was input citi bank did not do what I requested as far as to put a hold and freeze to my account to not allow anymore unauthorized transactions to create negatives in my account. Instead they wait until to my deposit to enter my account and take half my money. Ive complained and nicely asked if I can get my funds back for the mishappenings they couldnt stop. I was deposited of XXXX of my stimulus check and they deducted approximately {$400.00} out of my account and blamed it on the overdrafts that were owned instead of opening a new account for me to save my money from being deducted with the unauthorized over drafts. They said they have been doing investigation for 10 days every time I would call the same 10 days is processing after a few days has passed! Recently a new situation had occurred again with my job and HR had tracked my deposit and told me I was paid and citi bank lied and said they credited me my full amount after Ive recently called about half of my XXXX was only given. Once I called and was confused on that matter they blamed my job for holding on the run rest of the amount. Now its a new story stating they created and Ive been watching their false changes make on my statements as soon as I put in message about it. Making it look like I received my funds and havent. My statements show that what we funds I had available I would send to my XXXX account to prevent from citi bank making any more mistakes on taking my money with their overdraft methods. Im absolutely upset with this bank and I believe their taking my money on purpose. They owe approximately {$700.00} for the mistakes they couldnt fix. Im currently on the phone with a representative and still waiting 45 minutes on the phone. No help just highly rude and dismissing their customers.
Product: Credit card or prepaid card

During the year of XXXX I did a refinance with XXXX Banking and was charged XXXX in fees for the refinance that I was told by XXXX I was approved of before that payment. 
I used my Wells Fargo XXXX  XXXX XXXX to make that payment. 
After a few weeks I was told, I was not approved to refinance and would lose my XXXX payment after being told before I made the payment, I was good to go. 
I did a dispute with XXXX and was denied at first. I also did a dispute with Wells Fargo XXXX XXXX and was denied. 
Later after 6 months XXXX approved my dispute and removed the XXXX charge. 
I contacted Wells Fargo XX/XX/XXXX about the interest and fees that had accumulated on the payments during the time it was on my bill and no response. 
I have been a member of Wells Fargo from about XXXX to present and feel I should be a part of the settlement of the victim 's relief fund under incorrect fees charged on my debit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report again, I discovered that some of the account was still erroneous. The 3 credit bureaus must validate these accounts in order for me to establish a good record. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report 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

In accordance with the Fair Credit Reporting Act XXXX Accounts : XXXX XXXX  Self Inc, have violated my rights. 

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

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

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