23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Back in XX/XX/2022 I was charged {$850.00} for a charge thru XXXX, I responded ASAP to Citi Cards and told them I did not make that charge. They investigated and only took half off on the dispute sometime in XX/XX/2022, saying I still owed {$420.00} so they said they would dispute that amount. and on the XX/XX/2022 statement the amount of {$420.00} was not even showing on the statement, but it was included in the bill and they were trying to get me to pay it by sneaking it into the statement. I called them and they said not to pay it, so I didn't and then on XX/XX/2022 I called them because they had put a {$6.00} Interest charge on my bill for not paying the {$420.00} bill.So the lady I talked to says she was removing the {$420.00} and the {$6.00} interest charge and told me to call Citi on Monday XX/XX/2022 and get a status update..I did and they didn't know anything about it and they told me they reopened it and it would be resolved by the end of this week. This issue has gone on for over 90 days, for which even your own site says they can't go that long on a dispute. My credit cards in previous months were fraudulently used like 2 or 3 times and each time Citi Cards would stop the card. They have issues at there business with people doing fraudulent claims wnhen it happens to me that many times, all my other cards I use have no probelms like that.
Product: Debt collection

JEFFERSON CAPITAL SYSTEMS ( as per my consumer report ) has contacted me via email, and via phone. I have no business with this company. I have no contract with this company, they have furnished false, and misleading information, on my Consumer report. I did have the emails saved, in which I never consented for them to contact me at all. My emails where erased due to storage on my phone. I spoke with a XXXX, her id number is XXXX. She informed me that her company purchased the alleged debt, and I now owe them. I asked her to supply me with the verifiable evidence of a contact between JEFFERSON CAPITAL SYSTEMS and I. This company has stole my identity, and reported inaccurate information to the three credit agencies. This inaccurate information is keeping me from extending my credit to other businesses ....
Product: Consumer Loan

I wanted clarification on the OH installment loan laws. I recently got a {$400.00} loan but am having to pay back a total of {$2800.00} ( which includes a {$2400.00} finance charge ). Is this even legal in Ohio? I wanted to double check before I start paying almost {$3000.00} on a {$400.00} loan. Please help.
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX : # 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On several occasions I received multiple overdraft fees while the direct deposit was there. I was told that they had to process in order and even though the direct deposit, would have been applied, I would not have had any fees. I cant understand how you could see my direct deposit, but apply fees first. This happened on several occasions. I complained on transaction that I didnt make which were unresolved after their investigation time. I had to keep replacing my card. Because this happened a long time ago, I couldnt even tell you dates or amounts. I never thought anything would be done about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit card

I am writing this email as I have no other recourse. American Express does n't have a complaint department ( at least that 's what I was told on the telephone ) and their website does n't include an email address. Over the past two days I 've been so frustrated with American Express customer service representatives. It is clear that their customer service department is outsourced. That is not an indictment upon the nationality of the representative, rather an indication of representatives who do n't care about American Express customers. Upon being provided a pin number to obtain a cash advance, as I was in an emergency, I found that my card did not work. I tried more than XXXX ATMs and spoke to more than eight representatives with American Express. The answer I got from each representative was, " I 'm sorry but I ca n't help you. '' Since when did I 'm sorry I ca n't help you become a satisfactory answer for a customer service representative to provide a long-time customer who is in an emergency? On two occasions the representatives took steps to try and provide further assistance, but ultimately resulted in blind transferring me to another department who similarly was unable to help. I spoke to supervisors and all we 're happy to state that they were unable to help me. Why should I continue to do business with a company who care so little about their customers that they hire customer service representatives who ca n't fix problems and frankly do n't care to do so? 

Perplexed and perturbed ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to file multiple disputes to Equifax in regard to fraud activity on my credit file. I have provided documents to verify my address at the time of the said services. I was a victim of identity theft and this company is aware of that. I have police reports on this matter in which Equifax disregard every time I file a dispute. The companies reporting is XXXX XXXX XXXX XXXX and Mississippi XXXX. Both specifying dates which is impossible to live in 2 places at the same time. I have requested verification documents from these companies many times and have not been provided the documents used to open these accounts. I filed a recent dispute with Equifax XX/XX/2019 and the results are verified as belonging to me. Equifax could not provide me the information that is legally entitled to me on how their company discovered the results. I was told by an Equifax representative that it was word of mouth from the companies claiming I owe the debt. 

I've had a credit freeze on my account with Equifax for years due to my social security card and government ID being stolen as well as fraud activity on my accounts. Equifax today is still distributing my credit information to third party companies even with my file being locked. My sensitive information was leaked in Equifax 's latest of many data breeches and I was told by Equifax there was nothing I or they could do about the concern of my Identity. Equifax is not following the laws in regards to consumer personal information and rights. Equifax is conducting business with careless intent and no concern to consumers. To many people are victims of identity theft and fraud activitiy due to Equifax back door security. Equifax seems to be for the creditors as they are being used so often by creditors that they have no regards for the consumers. Equifax do not complete thorough investigations on disputes and Equifax house false and inaccurate information on purpose.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX XXXX XXXX XXXX are reporting late payments that are incorrect. I was not indeed late and they have provided no evidence to prove that I was late. Furthermore I can not be late on an account that is funded with a security that is my financial asset.
Product: Debt collection

FEDLOAN SERVICING reported multiple alleged accounts to the consumer reporting agencies. I am disputing the validity of this alleged debt pursuant to 15 USC 1692g as it is damaging to my reputation pursuant to 15 USC 1681 ( a ) ( 2 ) and invades my right to individual privacy pursuant to 15 USC 1692. I have sent this company a debt validation letter and await their response.
Product: Credit reporting or other personal consumer reports

Ive disputed this multiple times, with credit bureaus. The balances on XXXX and XXXX are different. Also, the charge off amount fluctuates monthly to different amounts which makes my XXXX XXXX lower each month this happens. XXXX XXXX  XXXX restricts adding to the balance of the charge off account which is grounds to sue CarMax Auto Finance for violating state laws.
Product: Checking or savings account

On XX/XX/XXXX, Bank of America issue a temporary debit card from my account to a person that I have never met. At the same time, the bank allowed this person to chose his own PIN and increased ATM withdraw limit. Immediately this person withdrew {$2400.00} from my account {$800.00} at a time, from ATM # XXXX, # XXXX and # XXXX. 

I received a text message stating my withdraw limit was increase and I immediately called Bank of America to report the fraud. The fraud was reported on XX/XX/XXXX. As of today XX/XX/XXXX, the fraud case is still in research and no provisional credit was received. I have called multiple times to inquire the process, the associate always state that they will escalate. However, nothing happens after that. 

I am shocked that a person I have never met in my life was able to convince Bank of America to issue him or her a debit card from my account. I placed my trust with Bank of America for years and it is disappointing the way they handle my fraud case.
Product: Credit reporting, credit repair services, or other personal consumer reports

By submitting this XXXX complaint today, I am requesting to correct the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, the Credit Bureaus are obligated to finish your investigation within 30 days ; please do so, otherwise the Credit Bureaus will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$400.00} XXXX XXXXXXXX XXXX Balance Owed : {$42.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$88.00} XXXX XXXX Balance Owed : {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX Experian Disputes have been filed regarding absolute resolutions inaccurate information on my credit report they responded that it was verified even though it is incorrect they have failed to do a thorough investigation on my behalf and continue to violate my consumer rights causing distress and financial consequences. I have court records and bank statements showing this company was paid monthly from XX/XX/2019 and processed the payments even though they are reporting the total amount and payments incorrectly
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes before with TRANSUNION directly to them. However to no avail. After learning the laws that protect me as a consumer I am now executing my rights. TRANSUNION violated 15 USC 1681a ( 2 ) ( b ) as the items listed on my letter should be excluded from my consumer report. Additionally, I have included my written instructions for my consumer report. Lastly I didnt consent to having a FICO score.
Product: Credit card or prepaid card

Hello Sir, I have purchased the hardwood flooring from LL FLOORING with 0 % financing offer in XXXX and it was financed by SYNCHRONY BANK with XXXX % interest for 24 month. I have been regularly paying the due payments without any missed payments since it was financed. SYNCHRONY BANK have not notified me via mail about the payments or ending terms. Also, when I asked about the statements from the beginning to see how much total I have paid, they have refused to provide the Year XXXX statement. But instead they have charged the 29 % interest for all 24 months + 3 month on top. I have called them many times for paying the balance amount {$3400.00} but they have added the interest {$4300.00} on top of that and asked me to pay {$7400.00}. Also, without my consent they were keep charging interest and deducting from my checking account monthly till the date XX/XX/XXXX. To avoid the additional interest they didn't left me any option option but I ended up paying the balance + interest + interest which is {$7400.00}.. 

Per XXXX statement the balance was : Balance : {$3400.00} +/- Credits, Fees & Adjustments ( net ) : {$120.00} +/- Interest Charge ( net ) : {$4300.00} They have increased the Total balance + 29 % interest for XXXX month = {$7700.00} as of XXXX I was supposed to pay balance amount {$3400.00} after all the monthly payments those were made by me. But Balance as of XXXX showed as {$7400.00}. 

I would like to request for investigate the Credit Card company SYNCHRONY BANK 's bad practices and not informing consumer when the major terms ends. We had a no clue about this much big charges in sudden. If I was made aware by the bank 's via notice/letter, I could have made the final payment on time but they didn't give me any chance. 

Hopefully, you can resolve this matter and investigate the interest charges and why not informing customers by sending the letter via mail. 

With Regards XXXX XXXX
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] [ XXXX ] [ XXXX ] [ Date : XX/XX/year> ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Final Complaint Under the Fair Credit Reporting Act ( FCRA ) and Demand for Resolution through XXXX Dear XXXX XXXX XXXX, I am writing to formally express my dissatisfaction with your handling of my credit information and the numerous violations of the Fair Credit Reporting Act ( FCRA ) that have occurred as a result of your gross negligence and misconduct. 

Despite my multiple disputes regarding inaccurate information on my credit report, including a fraudulent residence listed as XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX I have never livedXXXX has failed to take appropriate action. This misinformation has persisted, and you have continued to display XXXX XXXX XXXX XXXX as my residence, which is my previous address linked to my family but not applicable to me. My current and verifiable residence is XXXX XXXX XXXX XXXX XXXX XXXX, which is also correctly reflected on my other credit reports. 

Additionally, the trade line reported by XXXX XXXX is erroneous and must be investigated as per FCRA requirements. I have provided supporting documentation alongside my disputes, including my FTC report regarding identity theft, yet this has not led to the necessary corrections. 

Your company has been sending me correspondence to my correct address as listed, yet in its attempts to delay and hinder a true investigation, it has misleadingly listed XXXX XXXX XXXX as my address for dispute results. This misinformation not only adds to my frustration but further complicates the resolution process. 

Furthermore, it is important to clarify that my legal name is XXXX XXXX XXXX, with the " V '' always capitalized. 

The repeated failure to report accurate and verified information, as well as to conduct proper due diligence during the dispute resolution process, has severely impacted my creditworthiness. I have been unable to secure products with lenders who can not locate my credit file, and my business bureau scores have not been accessible since XX/XX/XXXX. 

Due to these ongoing issues and the significant distress and fraud resulting from your inaccuracies, I hereby demand a resolution through arbitration per the terms outlined within my credit report agreement with XXXX. It is essential that you take this matter seriously, investigate my complaints thoroughly, and rectify the errors reported on my credit file immediately. 

Failure to address these issues may force me to pursue further legal action to enforce my rights under the FCRA. 

Thank you for your prompt attention to this serious matter. I look forward to your timely response. 

Sincerely, [ XXXX XXXX XXXX ] ---
Product: Debt collection

XXXX XXXX  is alleging that I owe them {$690.00}. I did not breach my rental contract and do not understand the charges against me. I have attempted to resolve the matter but every time I try, the claim that I owe them additional monies. I believe that I am a victim of fraud and unfair business tactics. Management is run very poorly, and one person says one thing, another says another thing. I do have documentation to prove my innocence.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Debt collection

According to fcra, i may prevent businesses from reporting information about myself to consumer reporting agencies if I believe the information is a result of identity theft. I contacted LVNV FUNDING with a certified letter on XXXX XXXX with my identity theft report and my proof of identity asking for them to stop reporting this debt to all three major credit bureaus immediately as this was a resuly of identity theft. They received the letter on XXXX XXXX. This needs to be removed asap as the credit bureaus are telling me that they need to remove the account.
Product: Credit reporting or other personal consumer reports

Company emailed me notice that they do not intend to investigate because they do not believe I authorized the inquiry 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. The information and Accounts listed below have violated my rights. 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. Consumer must get XXXX disclosures before personal information is disclosed to a non affiliated third party XXXX. Names disputes- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Status and balance Request immediate deletion - Account XXXX  : XXXX XXXX XXXX 15USC6801 request immediate deletion - Account : XXXX XXXXXXXX XXXX Incorrect balance and status. Request immediate deletion - Account XXXX XXXX XXXX XXXX XXXX : Incorrect account status and balance. Resolved account request immediate deletion - Account XXXX XXXX XXXX XXXX XXXX Incorrect status and Balance request immediate deletion - Account XXXX : XXXX XXXX Imcorrect status and balance. Request immediate deletion - Account XXXX XXXX XXXX : incorrect balance and status : request immediate deletion - Account XXXX XXXX XXXX : incorrect balance and status : request immediate deletion - Account : XXXX : XXXX NO CONTRACT request immediate deletion - Account XXXX XXXX incorrect balance and status : request immediate deletion - Account XXXX XXXX XXXX VIOLATION : request immediate deletion - Account XXXXXXXX XXXX XXXX incorrect balance and status : request immediate deletion