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

at first they said fraud protection will cover this theft then they said they can not help and will not pursue further and suggested I open a police report to subpoena the bank records.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Credit card or prepaid card

The issue is with Bank of America ( BOA ) on the APR of 19.74 %. I have a credit score of XXXX according to BOA. I have been a customer since XX/XX/XXXX, and my power reward card issued through BOA has a 8.47 APR according to XXXX customer service representative of BOA on XX/XX/XXXX. I called the company to research the best way close and open accounts to avoid any penalties. I was advised to close my Power rewards card and wait until my Flexible reward card came in because I was unsure that BOA would review my history and give a comparable rate to my Power Rewards card, the APR on the Flexible reward card was 15 % -23 %. XXXX transferred me to XXXX where I asked XXXX when I receive the new Flex card will my XX/XX/XXXX member since be carried through, she said it would. I also asked about 8.47 % APR of old card would be reviewed for the new card. XXXX mentioned to not cancel oPower rewards until Flex card came in and I liked the APR. I spoke with XXXX on XX/XX/XXXX and we opened a new card but did not cancel Powerrewards yet. I received new card XX/XX/XXXX and was dismayed that the APR was 19.74 %, my name middle name was wrong XXXX not XXXX and the cardmember stated XX/XX/XXXX. I called XX/XX/XXXX BOA was not open, I called today XX/XX/XXXX at XXXX presented my problem to XXXX and asked for a manager XXXX. I explained my problem and wrote a complaint up. But offered no solution, I was upset by this.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of a data breach, which has resulted in unauthorized use of my personal information. Due to this breach, there are fraudulent accounts and inquiries listed on my credit report that were not authorized by me. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am requesting the immediate blocking and deletion of the following account and inquiry from my credit file. 
Fraudulent Account to be Deleted : XXXX XXXX  ( Account No : XXXX ) XX/XX/XXXX {$XXXX} Fraudulent Inquiry to be Removed : XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

We purchased a new furnace and water heater from XXXXXXXX XXXX XXXX XXXX, HVAC Contractor in XXXX, Ohio XXXX on XX/XX/2022 for {$9100.00}. We were given a loan with 18 months same as cash terms, through GoodLeap LLC XXXX # XXXX, XXXX XXXX XXXX XXXX. XXXX, CA XXXX. We began paying the loan when we received information that an account was opened for my wife ( loan signer- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This was the subject of another complaint, which was closed because details of that transaction were listed in a XXXX which was not explained to us at the time of loan origination. 

We have been paying the loan, and completed paying the amount in full {$9100.00} on XX/XX/XXXX, XXXX we have contacted the company by phone and online, trying to obtain confirmation that the loan has been paid and we have not received a final statement. The process of paying month was challenging online at there are no statements of remaining balance and difficult to understand listings of payments made to date. The company has many complaints regarding their communications regarding billing, and we are concerned that they attempt to obscure remaining balance and final payment so that considerable interest can be charged to people who are using XXXX interest financing terms. https : //www.trustpilot.com/review/goodleap.com? XXXX Please look into this company and their practices. We have paid in full early and want to make sure we receive documentation to that effect. We don't want others to be victims of deceptive loan balance statement management. 

Thank you for your time. 

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

XXXX  ; Experian and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$2900.00} on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was opened fraudulently. I do not have an XXXX XXXX card, nor have I given permission or authorized anyone open an XXXX XXXX card. This false reporting of a collection/charge-off of an account that does not belong to me is seriously harming my credit score. This line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to have this item removed however, I have not been successful.
Product: Credit card

The account was paid in full, however at the time of the late payments I was going through a divorce and was not able to pay on time as usual. I paid the account off and the account was closed
Product: Debt collection

We moved out of our apartment in XX/XX/year> but was unable to turn in the keys to a clean apartment because : our AC was broken for MONTHS and the apartment was aware of this but stated they didnt have the funds to fix it ( the AC was not fixed by the time we had moved out which was at least 2 months by then ) which led to inhumane temperatures that we could not stand doing any activity in ( such as cleaning! ), the latest email communication I have with the property was stated how I owed {$0.00}, yet received a letter from the debt colllectors which I did attempt to dispute, but was disregarded. I want to state, not once were we late on rent, ever, and I know too many that were, so for that alone, they shouldve been understanding or fixed the AC and then we wouldve had no problem returning keys to a clean unit!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Has been furnishing inaccurate and illegal Information on my consumer report this company has furnished inaccurate information to my credit reports this company is in Violation of section 623 ( a ) ( 4 ) ; 15 U.S.C 1681s 29 ( a ) ( 4 ) furnishing inaccurate and illegal information this account has been disputed 3x this account has not been properly investigated if this account is not removed from my credit reports for NEGLIGENCE within 30 days of this Notice I will be moving forward with counsel in a lawsuit for civil liability and Punitive Damages and this account has also reached its statute of limitation to still furnish this inaccurate illegal information. I will be attaching documents to support my claims.
Product: Checking or savings account

I received a Chase debit card linked to a newly opened checking and savings account. I contacted the company and closed the account because I didn't open the account. Someone stole my identity to open it. Chase closed the accounts and filed a claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act. The list of following accounts below has violated my federally protected consumer rights to privacy and confidentiality. 

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

I checked my credit report and found that some of the data were incorrect. Equifax is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

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

Unauthorized inquiries from all 3 reports on my credit reports that need to be removed immediatley. 




XXXX XXXX  Sporting Goods Stores Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX National Credit Card Cos. 
Inquiry date : XX/XX/XXXX XXXXXXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX All Banks Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX National Credit Card Cos. 
Inquiry date : XX/XX/XXXX XXXX XXXX Credit Card XXXX. 
Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX. 
All Banks - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX. 
All Banks - non specific Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX Complete Department Stores Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXX Finance other than personal Inquiry date : XX/XX/XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX XXXXXXXX XXXX Finance other than personal Inquiry date : XX/XX/XXXX XXXX Banks and XXXX & Ls Inquiry date : XX/XX/XXXX XXXX XXXXXXXX Banks and S & Ls Inquiry date : XX/XX/XXXX XXXX XXXX Finance other than personal Inquiry date : XX/XX/XXXX XXXX XXXXXXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Balance : {$9200.00} Highest Balance : {$9200.00} Opened XX/XX/XXXX ( 1yr, 2mos ) Account status : Open Type -- Responsibility Individual Remarks -- Original Creditor Name : XXXX XXXX XXXX   Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Minimum monthly payment $ XXXXOpenedXX/XX/XXXX ( 3 yrs, 3 mos ) Account Details Account status : Closed Type Credit Card Responsibility Individual Remarks Account closed by credit grantor Closed XX/XX/XXXX Minimum monthly payment $ XXXXOpenedXXXX XXXX XXXX ( 1 yr, 8 mos ) Payment History Youve made 70 % of payments for this account on time. 

XX/XX/XXXX Current Current 30-59 Days Late 60-89 Days Late 90-119 Days Late Current Current Current Current Current Current 30-59 Days Late XX/XX/XXXX Current Current Current Current Current 30-59 Days Late 60-89 Days Late Last paymentXX/XX/XXXXCurrent Payment StatusCurrentAmount past due $ XXXXWorst Payment StatusNo Info Account Details Account statusClosedTypeCharge AccountResponsibilityIndividualRemarksAccount closed by credit grantorTimes 30/60/90 days lateXX/XX/XXXXClosedXX/XX/XXXX SEE AN ERROR? 

You could dispute an error with Equifax. 
GO TO EQUIFAX Creditor Information XXXX/XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT WAS AUTHORIZED BY ME. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. I HAVE NOTICED THAT BECAUSE OF THIS, THERE HAS BEEN A DROP IN MY CREDIT SCORE. IT HAS CAUSED A GREAT DEED OF STRESS ON ME.THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Credit card

I called on XX/XX/year> to ask CareCredit/Synchrony Bank for a completed XXXX form to be able to pay the remaining balance in full. That is what I need to be able to do it. I spoke with XXXX different CS agents and only one knew what a XXXX form was. The one that did help me said it would take 30 days for me to receive it which is outrageous. I waited about 20 days after still not receiving anything to call them back to see about any updates. Theyre reassuring me that they sent the request up and to still wait. Called about 5 days later, still nothing, asked to speak to a supervisor. Spent XXXX minutes on the phone with the them to explain to me that the XXXX was never sent out or completed and that they would escalate the issue. I asked was there any way to email it to me, fax it to me, anything to where I can get it immediately since Ive waited so long. She said she would try and took down all my information. After that phone call, about 3 days later, I got an email saying synchrony bank sent me a message with documents enclosed. XXXX automatically thinking its the XXXX right? I spent all night chatting with the chat agents, calling the customer service number, technical support, because you guessed it! After all that, they discovered that CareCredit members dont have access to the secured messaging feature. So I asked and pleaded could someone just directly send it to me then to my email. They refused. After XXXX more phone calls, each speaking with a supervisor demanding something be done at this point, they said they sent it in the mail XX/XX/XXXX. A month after they said it would be here. Fast forward to XX/XX/XXXX, I get something from CareCredit in the mail. Is it my XXXX form?? NO!! Its a hallmark card thanking me for contacting them. I called them XX/XX/XXXX saying I know this isnt what yall sent me in the mail on XX/XX/XXXX, and she reassured me no maam its still on the way and to wait until next week. I just need a XXXX form TO PAY THEIR BILL!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XX/XX/year> Subject : Formal Dispute Regarding Inaccurate information on my credit report. 

To Whom It May Concern ; I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, The Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practies, as outlined by the CFPB include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systematic issues that undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my disputes may be mishandled in a similar manner.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against Equifax for failing to conduct a proper investigation into disputes regarding inaccuracies in my credit report. Despite my detailed submissions, Equifax routinely responds within 24 hours asserting the account 's accuracy, without providing any evidence of a thorough or reasonable investigation. This conduct violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to perform a reasonable investigation of disputes. Additionally, Equifaxs actions may violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as noted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) addressing similar issues. I urge the CFPB to take appropriate action to ensure Equifax complies with federal law and provides consumers with adequate evidence of their investigative efforts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

4. Account Number : XXXX This is not mine. 

5. Identity Theft KOHLS/CAPONE Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine.
Product: Debt collection

There is a collections account I found on my credit report that is being managed by Midland Credit Management. When I first noticed it I did not recognize the account and I disputed it. Since I started disputing this account the amount has gone up several times. This is a collection account which is closed so according to Title 18 of Pennsylvania code the amount of the debt owed can not increase without being made clear before hand. Since I have never had any communication with Midland this violates Pennsylvania Law. 

Title 18 ( b.1 ) Unfair or deceptive collection methods. -- It is unlawful for a collector to collect any amount, including any interest, fee, charge or expense incidental to the principal obligation, unless such amount is expressly provided in the agreement creating the debt or is permitted by law.
Product: Checking or savings account

I maintained a Premiere Money Market Account with PNC. I was charged a {$12.00} service fee on XX/XX/19 and XX/XX/19 ( monthly service fee ). I had previously ( many years ) never been charged a service fee. I called PNC to dispute the service fee and was told that it was due to my account balance being below {$5000.00}. I informed the representative that the fee was never previously charged and that it had not been disclosed to me. 

It does not seem right to me that I was charged the {$12.00} monthly fee beginning in XX/XX/2019 with no disclosure to me that the fee would be charged. Additionally, PNC was paying me XXXX XXXX ( XXXX XXXX ) in monthly interest ( very low interest rate for a Premiere Money Market account ) while collecting {$12.00} via monthly service fee. This seems like stealing to me. Had I not noticed the fee, eventually my Premiere Money Market funds would have been exhausted.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject : Dispute of Inaccurate Information Reported by XXXX Dear CFPB, I am writing to formally report inaccurate information that has been reported on my credit report by Equifax. My name is XXXX XXXX XXXX account ending in XXXX Upon reviewing my credit report, I discovered the following inaccuracies : - **Dispute** XXXX XXXX XXXX XXXX information, such as the Current balance, and available Credit.status ] - **Reason for Dispute** : The current balance is $ XXXX, and a Available Credit is {$200.00}. this is starting to become a cycle. 

I have already reached out to Equifax to dispute this information on XX/XX/2024. I'm attaching a screenshot of my credit card. This documentation I provided to them, with a online dispute. 

I am seeking your assistance to ensure that this matter is resolved and that my credit report is corrected. 

Thank you for your attention to this issue. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

XX/XX/2023, I was charged over draft fee for my account after an internet transfer. I specifically mentioned that I wanted absolutely NO OVERDRAFT FEES that I didnt even want it as a possibility in any form whatsoever. Made it very clear. Yet After transferring money It over drafted. They mentioned I had to come in and sign something for me to turn that specific function of over draft off, yet they never ever mentioned that during the sign up process. They hide it and expect me to know thats how they work. I mentioned very much the issue and my concern for over draft, {$38.00} worth of an overdraft charge. Very disingenuous, I dont like that they hid it from me. I called and they said there is nothing they can do. It was a lack of information and definitely a fault on the bank.