23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Product: Credit card

Subject : Complaining Regarding Junk Fees and Reporting Inaccuracies by Citibank and XXXX XXXXXXXX XXXX Dear CFPB I am writing to formally file a complaint against Citibank regarding inflated charges and excessive fees to my account ending in XXXX. I believe these charges are in violation of several federal and state consumer protection laws including the Truth in Lending Act ( TILA ), the Fair Collection Practices Act ( FDCPA ) and the Credit Card Act of 2009. This has caused significant emotional and financial damage. 
Details of the Complaint 1. Inflated /Junk fees : I have been charged fees that appear to be excessive and disproportionate. There are charges and fees of more than {$4200.00} as the balance on the account was {$3900.00}. The charges imposed by the bank were higher than the credit limit on the credit card. {$3900.00} was charged in interest and {$260.00} in fees totaling in excessive amount of {$4200.00} in junk fees. The amount that they have been reporting to the credit bureaus for the last couple of years has also been inconsistent ranging from {$3900.00}, {$7500.00} to {$8100.00}. These fees are Unconscionable under state unfair trade practices laws and appear to violate Federal Consumer protection laws prohibiting unfair, deceptive or abusive acts and practices ( UDAAP ). I also believe they might be higher than reasonable or typical industry standards.

2. Unclear or misleading Disclosures : The fees and charges associated with my account were not clearly disclosed from start in a manner that was easily understandable I also did not receive adequate or transparent information about the full terms and fees before I opened the account. This is a clear violation of Tila and Credit Card Act 3. Reporting Inaccuracies : Citibank and XXXXXXXX XXXX XXXX have continued to report inaccuracies to credit bureaus which has negatively impacted my credit score. Despite my attempts to resolve this issue directly with them. They have continually failed to correct or adjust the excessive fees and interest leading to account inaccuracies ; this is a violation of the Fair Credit Reporting Act which requires accurate reporting of consumer credit information Impact : The excessive fees are not only inflated but appear to be punitive and have been added without justification. Additionally, this practice creates unfair and deceptive debt collection process causing financial harm. Inflating the debt from the principal of {$3900.00} to {$8100.00} by using junk fees has damaged my creditworthiness through inaccurate reporting. I believe this constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Truth in Lending Act ( TILA ) as well as other applicable consumer protection laws like usury laws, fair lending and anti-discrimination laws among others.
Product: Checking or savings account

I have a history of issues with this bank in terms of opening accounts online. 

Earlier this year I went into a financial center and provided my valid MA state ID to them and they opened a checking account with no further verification. There was also a huge mess where there were multiple profiles and those had to be consolidated and my banker at the time had to call in many times to get this fixed and she said she was able to for the most part but there were still some lingering issues. This shows how bureaucratic and archaic BofA systems are. My banker at the time on XX/XX/XXXX was : XXXX XXXX, Senior Banker, XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX, ( XXXX ) XXXX XXXX, XXXX. 

Fast forward to this week, I decided to close my checking account because I was interested in a different product with a lower monthly maintenance fee. This bank makes everything extremely burdensome and difficult to do anything like opening new account even after being a recent validated customer. 

While logged in to my online profile where I just had a checking account this week, I tried to apply online and all information was pre-filled. I also took the liberty to unfreeze all XXXX major credit reports, XXXX, XXXX, and XXXX to avoid any issues with any verification. To little of my surprise even while logged in through the Bank of America app with the same account I have always been using and while verified, I receive an email that my application is being processed and later that it is declined saying unable to open online, visit financial center with form of ID, social security card, and retail card ID. The person on the phone stated my profile is noted that I have to be ID 'd each time in person- why? 

Why are you adding so much burden on me when I literally have been a client of yours since XXXX? How are your technology systems so outdated? 

I have XXXX XXXX XXXX with other bank with ZERO issues with your major competitors and they don't discriminate me like you do. I am sure " XXXX XXXX '' would have no issues opening an account online in seconds while I have to go through the undue burden as a person with XXXX to go in person each time, and as a XXXX for simply having a last name in XXXX with spaces. This is completely unacceptable and archaic to do in XXXX. 

I hope this situation can be rectified once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

As outlined in my initial dispute letter, I have reason to believe that the account is inaccurate, and I have provided documentation to support my dispute. The account in question is a charged off account with XXXX XXXX XXXX XXXX ( account number : XXXX ). According to my most recent credit report ( attached ), XXXX, XXXX, and Equifax all report different last activity dates as XXXX : XX/XX/XXXX, XXXX : XX/XX/XXXX, while Equifax reports the last activity date as XX/XX/XXXX. 

Equifax also is reporting a different last payment date as can be seen in the attached current credit report. XXXX and XXXX are reporting a date of XX/XX/XXXX, while Equifax is reporting XX/XX/XXXX. Equifax clearly has information of a payment made on the account which can be seen in the additional attachment of my Equifax credit report from XX/XX/XXXX which shows in the highlighted Historical Account information a payment of {$1200.00} on the account on XX/XX/XXXX. Equifax has chosen not to properly update and report the account, but also neglect any responsibility to properly investigate my dispute and lie that the information was verified violating multiple federal laws.
Product: Debt collection

Debt collector agency Midland Credit Management ( TM ) sent a 'Final Notice ' to the referenced consumer, regarding an alleged debt for a credit account. In the final notice, Midland Credit threatened a potential lawsuit/attorney review if the consumer did not reply by a certain time ( XX/XX/2021 ). Garnished wages and damages to the referenced consumer 's credit report were also threatened. Midland Credit said that the referenced consumer owed { {$2900.00} }, but also displayed that they were the sole owner of the debt. Midland Credit did not receive permission to communicate with the consumer on any occasion, in any form ( telephone, email, etc. ). Lastly, Midland Credit did not provide the referenced consumer with notice of opportunity to dispute the alleged debt. These are violations under U.S. Code Title 15, Chapter 41. The referenced consumer sent an Affidavit of Truth to Consumer Report Services/Midland Credit Management , as well as an invoice regarding the violations/damage incurred to the consumer.
Product: Credit card or prepaid card

I have a health savings card through my employer. I had ordered some vitamins online, two products, and have the receipts for {$4.00} each. My health savings card was charged 4 times, 2 at {$69.00} and 2 at {$79.00}. I went to the bank that my employer uses for our XXXX account, filed a dispute, and they denied it. They did not ask any questions, just went by what the people who charged my card without authorization from me told them. I do not see how this should be allowed and not be taken care of by the people who I put my trust into, our bank. Our bank is Great Western Bank, and I talked with their acting manager, XXXX, at XXXX. I am furious over this. {$300.00} stolen from me and they will do nothing
Product: Credit reporting or other personal consumer reports

In XXXX, I lost my job because of COVID-19 crisis and i faced significant financial hardship. 

Then it became very difficult for me to pay the credit cards on time because I had to buy food and housing to survive, so I contacted the creditor Wells Fargo to request some time to be able to pay the cards due to the crisis we were experiencing, the creditor told me that there was no problem but, they still reported in my history that I did not pay on time, violating the CARES Act by covid-19, I contacted them again and they told me that they could not do anything that it was going to stay that way, forgetting all the aid that the government in power had provided, affecting my credit history. 

despite this request and the compliance with the CARES Act, Wells Fargo Bank reported those payments as late on my credit report. 

All those requests were made by telephone calls. 

I kindly request that the CFPB investigate this matter, as I believe Wells Fargo Bank has failed to comply with the CARES Act provisions and is unfairly damaging my credit history. 

It should be noted that as soon as I was able to recover, I fulfilled my obligation to pay the entire debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$720.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$210.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$120.00} ; XXXXXXXX XXXX XXXX  XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX, FL XXXX XX/XX/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 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 XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Checking or savings account

My account with Bank of America was locked over XXXX XXXX weekend. This account was only opened a week before, and as an new XXXX XXXX, all my fund for a new school year is in this account. I went to the branch on XX/XX/XXXX to resolve this issue, only to find out that my account is not locked but closed by the bank without any notice, the manger who assisted me also have no clues of this. She said that I cant reopen with Bank of American in the future and my fund in my account will be mailed to me in a check which will take a few business days. I never got any logical explanation of the sudden closure of my account, and now I have no excess to my funds and Im worried if they will loss my fund just like they did with my account.
Product: Debt or credit management

I took my daughter to the hospital towards the end of 2022. We did the visit and went back home. The bill was paid in full within weeks. A debt collector Capio Partners has taken me to collections. I disputed. XXXX XXXX seems to go along with Carpio Partners without doing the investigations as claimed!
Product: Credit card

CAPITAL ONE BANK USA ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Address : XXXX XXXX XXXX, XXXX, VA XXXX Phone:XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CAPITAL ONE BANK USA or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CAPITAL ONE BANK USA or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my brother get a car and was not approved. I thought maybe it was because the dealership was trying to get over so I went to my bank and they denied me as well. There are things on my credit that is not mine. I have reached out to the FTC and my local police department and I am doing this on my own behalf. Please remove them from my account Affirm Acct XXXX, XXXX, XXXX and XXXX XXXX. I also saw some inquiries that i did not do XXXX XX/XX/XXXX Inquiry XXXX/XXXX XXXX XXXX   XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX  XXXX XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX   XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX  XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX/XXXX   XXXX XXXX XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX  XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX   XX/XX/XXXX Inquiry.
Product: Credit reporting or other personal consumer reports

REMOVE THIS ACCOUNT ITS BEING REPORTED INNACURATELY. I HAVE REQUESTED THE 1099C AND NOONE RESPONDS.

15 U.S. Code 1692c 15 USC 1681 e ( b ) Accuracy of report 15 USC 1681 1i ( 5 ) Treatment of inaccurate or unverifiable information 15 USC 1681 i ( 7 ) Method of verification 15 USC 1681 B permissible purpose Since fraud has picked up so much I will only reply bye email or if I am in an office in perso FST PREMIER XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card XXXX XXXX XXXX : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$1900.00} {$1900.00} {$1900.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$1900.00} {$0.00} {$1900.00} Credit Limit : {$1000.00} {$1000.00} {$0.00} Past Due : {$1900.00} {$1900.00} {$1900.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber. 
Unpaid balance reported as a loss by the credit grantor. 
Consumer disputes this account information Charged off account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Legend Month 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 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
Product: Credit reporting or other personal consumer reports

I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent inquiries in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As a victim of identity theft, I am deeply concerned about the impact it has had on my credit report. Upon further investigation, I have found that the attached accounts from XXXX, TransUnion, XXXX, and XXXX are reporting on my credit history. I have filed a report with the Federal Trade Commission and have attached it for your reference. I urge you to take immediate action and remove all of these accounts from my credit profile as they are fraudulently reporting. This situation has caused me a great deal of stress and I am counting on your prompt resolution to rectify it. Thank you for your attention to this matter.

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 disputed a student loan that was taken out in my name as a parent loan in XXXX or XXXX of 2021. I Dont recognize the account or the individual who benefitted from the student loan. I was told by the company that the loan was accurate.I believe my identity was stolen to leverage my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of true identity fraud. There were XXXX XXXX credit cards opened in my name that I did not authorize and XXXX XXXX inquiries did back to back within same month which is something a real person wouldn't do. There are multiple incorrect accounts reporting on my credit report that I didn't give authorization for or written consent. I have sent out letters in XXXX, XXXX, and XXXX to all credit bureaus ( Experian, XXXX, XXXX ) to fix this matter but each bureau failed to resolve this matter. Experian has failed to remove addresses that are not mine which may be causing the fraud to continue to happen as well. I have also requested for each bureau to update my phone number on my fraud alert but they each failed to do so. I am very livid that I continue to be a fraud victim, have my rights violated, and my credit report ruin because of the credit bureaus giving access to my credit file because of system breaches the credit bureaus ( Experian, XXXX, XXXX ) keep having and miss reporting information to my file.