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

I write to complain about an interest charged on my citibank credit card. It was an offline transaction occurred on XX/XX/2020 in XXXX, XXXX, where I purchased several stamps from XXXX  XXXX  ( XXXX XXXX ). The transaction has been categorized as " Cash Advance '' by citibank, and I was levied an interest charge because of that. However, to the best of my knowledge, I did not input any PIN into the POS when I made the purchase. 

I contacted citi via online chat, trying to tell them they have miscategorized the transaction, and politely asked them how I can prevent this from happening again. Yet I was informed that I should not proceed with the transaction when I learned the transaction is a " Cash Advance ''. However, this sounds a little bit ridiculous to me as a customer would never be able to learn whether a transection is a " Cash Advance '' before it has been posted in the customer 's statement. This becomes a Catch-22 from my perspective. Further, this offline transaction did not require me to key in any PIN number at all, which has made me more concerned. Doesn't this indicate that a bank could authorize " Cash Advance '' without a PIN number? If so, how would a customer be able to protect herself from her transaction being miscategorized as " Cash Advance '' and then exposing herself to the high interets and fees levied by the bank in such an ungrounded manner? How could a customer protect her money if a bank could authorize " Cash Advance '' without a PIN? 

Even though the amount involved is marginal, yet the fault in the system reflected in such case, I belive, does warrant more scrutiny and review. I hope CFPB and citibank could look into this case from a systematic perspective, and at least provide customers an option to prevent such " Cash Advance '' without a PIN from happening, so that customers could be immune from such arbitrary fees and charges, and their hard-earned dollars could be preserved in a way as customers wish. 

Thanks.
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 USC1681. 
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 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 items of information, other than records of convictions of crime 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: Money transfer, virtual currency, or money service

I have been unable to resolve an issue with the Bank of America. 

Six months ago I initiated an ACH transfer to another bank account at XXXX XXXX XXXX XXXX ( XXXX ). Three ACH transfers for a total amount of {$1200.00} were mis-directed to a wrong account in XXXX, XXXX and XXXX of XXXX. 

The funds went to someone else 's account. I have provided evidence that I submitted the correct information for the funds to go to my account. The bank has refused to reverse the charges. I have records that include my bank account number and the incorrect bank account number at XXXX. I also having tracing numbers. 

I have been working on this issue for six months and multiple claims have been denied. I emailed BofA yesterday and said I wanted to lodge a formal complaint and I have not heard back. I believe that their nonresponse and inability to correct what they admit is a bank error are out of the bounds of acceptable business practices.
Product: Credit card or prepaid card

I initiated a chargeback with Citibank for a merchant charge with XXXX XXXX. Citibank 's reversed that chargeback, but refuses to provide me with the specific guidelines they use to make chargeback determinations In my conversations with Citibank, I have been urged to initiate another dispute for this matter. In support of my new dispute, I, or and/or my attorney will need the guidelines used by Citibank investigators to permit or deny disputes. As a law enforcement officer, in order to take enforcement action, I must follow written rules. Citibank must also follow certain guidelines. It is not a reasonable request for myself or my attorney to initiate the new dispute that Citibank has requested without being completely privy to the guidelines Citibank claims to be following in it's decision making process.
Product: Credit card or prepaid card

Comenity bank keeps lowering my credit limit on my XXXX XXXX  account. I have been on time and current with my payments. I just made a {$160.00} payment for my recent payment. They have taken my available credit that I haven't used. My current credit limit is {$1600.00}. I had over {$500.00} of available credit when they lowered it to {$1700.00} a few months ago. I was saving my available credit & every time I think things are stable they lower my credit limit again. Don't they know when they lower my credit limit this also affects my credit score?
Product: Consumer Loan

I purchased a new vehicle from XXXX XXXX in XXXX PA on XXXX/XXXX/16. When we did the loan information we got the payoff of my vehicle from Honda Financial Services which totaled {$12000.00}. I received a letter from Honda Financial Services on XXXX/XXXX/16 that my account was paid in full and I received a check for {$8.00} due to an over payment. Now on XXXX/XXXX/16 I received a call from Honda saying that my account is owed {$800.00}. They had a system error that caused a payment I made to be put on the system twice. They reversed both payments and now I owe that money. My understanding is that if the account is paid off it should include all payments owed on the vehicle and I no longer have possession of the vehicle. Due to their system having the issue I do n't feel that it is my responsibility to owe this money and I do n't want it to effect my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section XXXX XXXX b ) of the FCRA, these accounts must be removed within XXXX business days of receipt of this report. Failure to do so is a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score dropped 21 points overnight for no reason. ( Citing " Your number of accounts with balances decreased by 1 '' ) ( " On your previous report, you had 14 accounts with balances -- now you have 13, which could mean you closed an account or paid off a card you no longer use '' ) Neither of those two reasons are Accurate BOTH are false statements giving no justification to Experian actions.

I am of the belief that this company ( Experian ) uses deceptive practices to deprive consumers of fair credit score ratings. Experian I believe is being paid by companies to provide poor credit score rating allowing for higher interest to be charged for loan products and in many cases keeping targeted XXXX XXXX Consumers out of the lending market causing economical hardships to targeted XXXX XXXX. 

The fact that my credit score increased 11 points this month from XXXX to XXXX due to the fact that I paid my loan balance down. Then decreased 21 points in the same month taking the 11 point increase for paying my loan balance down and 10 more points from my previous XXXX score denying my efforts to achieve a higher credit score quest ultimately denying my participation in the Economical process. 

I HAVE NOT CLOSED ANY ACCOUNT. 
I HAVE NOT PAID OFF A CARD I NO LONGER USE. 

Experian promotes a product they call Experian Boost to help build credit scores for a cost all about a dollar maybe Experian feel I should pay them as well to support my credit score goal and if not they will continue with Experian Deceptive Practices. 

Experian XXXX XXXX XXXX would be a better assessment of the company goals. 

XXXX XXXX XXXX XXXX ..
Product: Credit reporting or other personal consumer reports

Hello, i have noticed that per my credit report, Bank of America has reported a late payment for XX/XX/XXXX  on my credit report. This was reported to the credit bureaus without my consent. Per U.S. Code below, im asking for proof documentation that i consented for this to be reported to XXXX, XXXX, XXXX, or any other party I am unaware of. Proof of signed/agreed consent to share our transactional history is being requested. Thank you 15 U.S. Code 1681a - Definitions ; rules of construction U.S. Code ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does *****************NOT************** include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;
Product: Student loan

Navient never explain loan for forgiveness was available for income driven plan. They made it sound like a bad option as you have to reapply every year and show your income.
Product: Debt collection

I starting seeing this debt o n my report. From time to time I request to have it removed and it is then it shows up again on another credit report for similar amounts ( {$1900.00} or {$1900.00} ) but all from    XXXX    XXXX   ( d ebt collector ) -- telephone number  XXXX
Product: Credit reporting or other personal consumer reports

The company is in violation of my consumer rights as XXXX under the FCRA, all information on a consumer credit report must be 100 % accurate and verifiable. ; The company has included fraudulent, inaccurate accounts on my consumer credit file making them in violation of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a personal loan at onXXXX financial institution, after a few days I noticed many inquiries by different institutions in my credit reports that I did not authorize and were done without my prior written or verbal approval. This leads me to believe that my credit information was given to other agencies without my consent thus violating my rights as a consumer. The following unauthorized inquiries in my report are as follows, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.
Product: Debt collection

I reached out to COMENITY BANK/VCTRSSEC manytimes to fix this " mistake '' made by their company i have yet to get a response. This is stopping me from getting the house that i want. They are reporting late payment on my credit profile that never happened at all.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XX/XX/year> Subject : Formal Dispute of Inaccurate Credit Report Information To Whom It May Concern, I am writing to formally dispute inaccurate information that remains on my credit report, despite previous attempts to have it corrected. The issues I have encountered mirror the Consumer Financial Protection Bureaus ( CFPB ) recent lawsuit against Experian ( Case No. 8:25-cv-00024 ), which alleges systemic failures in Experians dispute handling process, including : -Failure to Conduct a Reasonable Reinvestigation : Experian has not properly investigated my disputes, instead relying solely on automated responses from furnishers without considering relevant supporting documentation. 
-Failure to Provide Furnishers with All Relevant Information : My dispute submissions included documentation proving inaccuracies, but Experian failed to forward this information to the data furnishers. 
- Failure to Notify Me of Reinvestigation Results Clearly : The responses I have received from Experian regarding my disputes have been ambiguous, contradictory, and failed to specify what actions were taken. 
- Failure to Prevent Reinsertion of Previously Deleted Information : Despite a prior deletion of incorrect items, some of the disputed information has reappeared on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation and ensure maximum possible accuracy of my credit report. I request that you immediately : 1. Reinvestigate the inaccurate information on my credit report in accordance with FCRA requirements.

2. Forward all supporting documentation I have provided to the furnishers of the disputed information. 
XXXX. Provide me with a clear and detailed response indicating what actions were taken, what information was updated, and why. 
XXXX. Permanently delete inaccurate or unverifiable information that can not be substantiated by reliable records. 

Please respond to this dispute within 30 days as required by the FCRA. If these issues are not properly addressed, I will escalate my complaint to the CFPB and consider legal action. 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

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

These are not my accounts I want them remove off my report
Product: Credit reporting, credit repair services, or other personal consumer reports

These are unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which I have not approved or given written permission to furnish in my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Product: Student loan

On XX/XX/XXXX, I received an email saying my credit score dropped. When I opened my banking app, I saw that my credit dropped XXXX points overnight. I saw that the Department of Education was named on the loans, so I called the Dept. of Ed. on the XXXX. I talked to XXXX, asking about the loans, as I was unaware of any more student loans linked to my account because I did not see any loans on my XXXX XXXX account where I had been paying off {$30000.00} in student loans. I made my last payment in XXXX of XXXX to pay off the {$30000.00} debt. XXXX told me it could be fraud and suggested I ask for forbearance until I could get the loans disputed. 

On XX/XX/XXXX, I called XXXX XXXX  to see if I could get any information about the other student loans that seemed to be causing the drop in my XXXX XXXX. I saw no additional or unpaid loans on my XXXX account. XXXX at XXXX XXXX said that the loans causing the issue may be linked to the federal student loan servicer Nelnet. 

I then called Nelnet to ask about the loans and to verify if they were legitimately my student loans or if this was a case of fraud. XXXX from Nelnet told me the loans were linked to XXXX XXXX and XXXXXXXX XXXX, both institutions I attended. She verified the dates the loans were taken out, which match the dates of my attendance. She told me I owe {$33000.00} total according to the Nelnet account. She said {$2800.00} of interest has accrued at this point. I also have late fees attributed to this account, which is why my credit dropped. She said the payments were due on XX/XX/XXXX. I asked her why I had never received a notification from them. She said they had sent an email, but upon further investigation, we found that the email was incorrect. I asked her why she never sent me a piece of physical mail or called my phone number to inform me about the loans, and she said she could only send an email despite having my home address and phone number. She then told me there was nothing they could do to help me, so I filed a dispute with Nelnet on XX/XX/XXXX. 

Nelnet was negligent in providing me with the information needed to access and pay off my student loans.
Product: Debt collection

debt collector, scam call, calling family members and employer. said he was with 5/3 collecting debit, but had no information
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Collection/Charge Off : XXXX XXXX XXXX XXXXXX/XX/year> {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX I am writing to dispute the following information provided to XXXX, XXXX and Transunion. I have given documentation showing the items I am disputing on the attached copy of my credit report ( s ). 

These items are inaccurate because I am requesting that the items are removed from my credit report to show the utmost updated information. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Note : Wrong address and wrong residence type Address : XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX Note : Wrong address and wrong residence type Address : XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX : Never lived here ; No address associated with any history of mine Address : XXXX XXXX XXXX XXXXXXXX XXXX MD XXXX Note XXXX Never lived here ; No address associated with any history of mine Address : XXXX AND XXXX XXXX XXXX XXXX  DC XXXX Note : Wrong address associated with any history of mine Address : XXXX XXXX XXXX XXXX XXXX FL XXXX Note : Never lived here ; No address associated with any history of mine Enclosed are copies of supporting my request. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed items as soon as possible.
Product: Credit reporting or other personal consumer reports

I am writing to demand immediate resolution to my previous letter concerning the inaccuracies on my credit report under the Fair Credit Reporting Act ( FCRA ) 611. Despite my clear request for an investigation into the following accounts, I have not received a satisfactory resolution.
Product: Credit card

At XXXX on XX/XX/28 I received an email from BofA saying your credit card will be mailed to you in the next 7 to 10 days and a 2nd email saying " Welcome to Online and Mobile Banking ''. I never applied and don't have a relationship with BofA. 

I connected BofA via XXXX and got a direct number for the fraud department. Then closed the unapproved account. Then I asked for what info was used to apply for the account. They told me they will send me a form to get that. 

I also froze my credit report at all XXXX credit agencies and filed a police report. 

Now I have to wait to see what is next.
Product: Vehicle loan or lease

I extended my consumer credit and was denied. 
I provided a Promissory Note in the form of an application. I gave my personal credit information to facilitate the extension of credit. 
Given extortionate loan terms, asked for a down payment, and a co signer, on a credit transaction that includes a finance charge. 
Did not disclose the use of my credit to obtain credit. 
Did not disclose the security interest of the instrument provided, i.e credit application. 
In in possession of said instrument. And is not extending my benefits toward the credit purchase of the household goods. I.e. vehicle. 
Misuse of credit card. ( SSN )