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

good morning Yesterday, XXXX / XX/XX/2019, through XXXX, I get the notification, that a bank makes an inquiry to my credit, without my consent. 

The bank is XXXX XXXX in XXXX
Product: Credit card

Called XX/XX/23, was advised to pay {$230.00} to bring account to current, then transferred to a supervisor who confirmed the amount. I advised that I was requesting for fee 's to be waived but was refused then the rep told me that the account appears to be set to close regardless of the payment. She was not able to confirm so they transferred me to an account manager who happens to be the collections department who wasn't able to figure out if my account was going to close or not with the payment but then the payment was {$230.00} not {$230.00} as first advised. After the last person checked it was discovered that citibank was indeed closing the account in XXXX.
Product: Checking or savings account

On XX/XX/2024, I contacted Citibank and explained that I was seeing debits in my account that I did not recognize. My wife and I ( the account holders ) were both in XXXX, and these debits were occurring in XXXX XXXX ( XXXX ) and in Florida. Some of the debits looked like " transfers '' and even had the names of people who would be receiving the transfer ( and we do not know those individuals ). The total amount being disputed is {$2200.00}. 

Citi started the investigation and credited our account on XX/XX/2024. On XX/XX/2024, we received a response from Citi stating that their investigation indicated their those withdrawals were made from our account using our Citibank Banking Card and that the activity appeared to be consistent with our normal banking activities ( despite the fact that we were not physically in those locations and have our banking cards with us in XXXX  ). Our dispute was denied and Citi deducted the provisional credit from our account. 

I called Citi once again on XX/XX/2024, and explained the situation. I said I believed that our Citi Banking XXXX had been " cloned '' when we used it to withdraw money in a ATM in the XXXX XXXXXXXX XXXX XXXX. That was the only time we used our Citi Banking Card in XXXX this year, and we noticed that the odd debits started shortly after that ( and when we had already returned to NY ). A new investigation started but, once again, we received a letter from Citi exactly like the original one, rejecting our dispute. I also noticed that the provisional credit made by Citi on the second time was short on XXXX transactions, which may have been to an operational error, but seems another indicator that Citi is not handling this fraud with the care and attention that they should. 

I contacted Citi for the XXXX time today ( XX/XX/2024 ), and requested for the case to be reopened/ escalated. I am concerned though that the outcome will be the same, as it seems that all my explanation to the agent on the phone is not really getting to the team who handling the dispute and doing the research, or is simply being ignored by them. Basically, we can't have withdrawn this money using our Banking Card in XXXX XXXX and Florida if we were in XXXX during that period of time ( and we can prove it ). With respect to the comment that our banking card and PIN were used, the more likely explanation is that our card was cloned.
Product: Credit card or prepaid card

On or about XX/XX/2021, I applied for a secured Discover Card. I was approved immediately and the {$1000.00} security deposit was ELECTRONICALLY withdrawn from my account on XX/XX/XXXX. After I then obtained the necessary financing from another source, I canceled the account weeks ago and requested immediate return of the security deposit. Discover has been promising to return the security deposit and even is supposed to send me {$75.00} in compensation for the poor service. While I will accept the {$75.00}, what I really want is my security deposit back NOW! I was told on or about XX/XX/XXXX that the money was probably already in my account. It was not there on XX/XX/XXXX, so I contacted Discover and was told that it would be MAILED ( NOT DEPOSITED ELECTRONICALLY ). The delays in refunding my deposit have been unreasonable and unacceptable. I should have had my deposit back with an hour or day of my canceling the account. Discover has abused me, an elderly man who will be XXXX in two years. This treatment is unacceptable for anyone, let alone the elderly. Discover has had my {$1000.00} deposit since XX/XX/XXXX. They were notified of the cancellation of the Discover Card card before it even arrived. PLEASE INTERVENE and get return of the {$1000.00} security deposit ELECTRONICALLY into my account IMMEDIATELY!
Product: Checking or savings account

Froze/Restricted my account ; no access to my money that I have in the bank. 
On XX/XX/XXXX, my XXXX XXXX sent me gratuity for the XXXX XXXX, via XXXX. 
XXXX is linked to my SoFi Checking Account. 
The next day, XX/XX/XXXX, I noticed the payment had failed. 
Because of who this client is, I did not have direct contact, and since I knew I would see her at the next game, I didn't want to go thru the trouble of trying to reach her. 
On XX/XX/XXXX, I logged into my SoFi account, and there was a red notification at the top saying the account is restricted, and to contact them asap. 
I've been making regular calls to check status, and each Representative tells me the Escalation team is working on it, and the restriction can not be lifted until they get the contact information for the sender. There is no way for me to get that number because the person is a celebrity, and does not give out personal information. 
Upon calling their assistant to " try to get their number '', she was not allowed, but said she could provide the last 4 digits if they needed to confirm. 
That was not adequate per XXXX. 
So, I asked to at least have access to what funds I did have in my account, and every Representative said the same thing ; they could not lift restrictions until they contacted the sender, even after telling them I can not obtain that information. They say their XXXX XXXX is working to resolve, but resolution entails getting that contact info, even though the payment has since been canceled.
Product: Credit card

I am filing a formal complaint against SYNCBXXXX XXXX regarding the inaccurate reporting of account # XXXX with a balance of {$950.00} on my credit report. This account is being improperly reported and must be removed permanently for the following reasons : XXXX. Inaccurate or Unverifiable Debt XXXX  XXXX XXXX has failed to provide sufficient validation of this debt despite multiple requests. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ), all reported information must be accurate, complete, and verifiable. If XXXX  XXXX XXXX can not provide proper validation, the account must be deleted immediately. 
2. Possible Violation of the Statute of Limitations If this debt is past the legal statute of limitations for collection in my state, XXXX  XXXX XXXX can not legally enforce or continue reporting it. Please request verification of the date of first delinquency to confirm whether this account should still appear on my credit report.
Product: Debt collection

Collectors Name : DIVERSIFIED CONSULTANT Account Info : XXXX Creditors Name : XXXX Date Opened : XX/XX/2017 Balance : {$2500.00} Debt : {$2500.00} Contact Info : XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Product: Prepaid card

On XXXX XXXX around XXXX in the morning I used my cash app card to pay for a XXXX car wash at XXXX XXXX XXXX store # XXXX. It took XXXX dollars from my account and then adjusted it to XXXX. I did not receive any money back. I contacted the store, and they said it's on cashapp to fix it. Cash app says it's on the store to fix it. I was then told to provide cash app with a receipt which could not be done since I paid at the carwash and not in the store. I was told to provide information to cashapp and they would fix it. I provided that information today and now they are saying that it isn't there problem, it's the stores. And I have to wait 3-14 days to get my money. I'm in the process of moving and I need that money. It was EVERY XXXX I have.
Product: Credit reporting or other personal consumer reports

I did not give expressed written consent to or authorize any third party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, no consent is identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please promptly remove this data within 4 business days pursuant to 15 USC 1681-c-2 to avoid any further legal proceedings. In accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. please see the above accounts 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. Thank you for your timely compliance!
Product: Debt collection

I submitted my FTC report along with and identity theft letter explaining account on my credit was identity theft to Transunion this account does not show on any of my credit report agency with XXXX or XXXX. I explain to Transunion that this account was a result of identity theft and submitted my ftc report and they stated the did not do anything with the account because they have reason to believe someone else submitted this complaint on my behalf when this is indeed incorrect I am the one that submitted my ftc letter for fraudulent phone account
Product: Credit reporting or other personal consumer reports

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Student loan

I was setup to get my loans out of Default with Navient and after the final payment on XX/XX/2018.  I was informed my loans would be moving from them come XX/XX/2018. My loans are still with them. I called them on XX/XX/18. I was transferred to 8 different departments and no one could provide me with my loan information and where it is currently at.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX : Account XXXX XXXX XXXX XXXX is inaccurate reporting an item on my credit, XXXX  XXXX XXXX and Equifax are allowing this to happen and have continued to disregard my request to validate this account and remove the inaccurrate items from my credit report. 

1. Date Opened is listed different on multiple credit bureaus. 

2. This account XXXX is listed TWICE on my credit report, for 2 different amounts. FCRA Violation. 

3. This account is being RE-AGED FCRA Violation. Date of Last Activity is being RE-AGED every month. 

3 different dates on each credit bureau. 

4. Last reported dated inaccurate. 

5. This account was a Business Account not a Personal Account and is being paced on my credit dispite my several attempts to contact XXXX XXXX XXXX and XXXX, Equifax, and XXXX  correct and remove this inaccurate info from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX violated numerous laws in the conversion of consumers property as indicated in the attached complaint filed in the XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting Everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, balance owed is reported but it is showing as a closed account, and date reported is not accurate. Some account don't even show a closed date!! This is grounds for removal, they also violated my rights under 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 an account without my written instructions. 

Also the credit bureau took more then 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX XXXX XXXX- XXXX # XXXX XXXX XXXX XXXX XXXX - Trasunion # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I went to quik cash to get a pay day loan. They claim to have contacted me via mail. However I do not recall receiving any letters or emails. 

Before I know it I am being told by a family member that I am being summoned to court. The person who was serving me disclosed the information about the summons to the third party ( a family member ). A few days later the same person left the summons on the family members door step. The person who was trying to serve me apparently tried to give the summons to said family member. The family member refused to take the summons. This in itself is not the proper way to serve someone. 

So apparently quik cash will take you to court, and have you pay the court cost over a $ 300- {$400.00}  payday loan. They will not try to settle with you, or ensure that you received previous letters, or report it to your credit. Quik cash will immediately summons you to court over a small lian and have you pay for it.
Product: Debt collection

My XXXX keeps trying to collect an additional {$26.00} for a " mystery balance '' after double billing me multiple times. Their accountant, nor the doctor himself will return my phone calls. They have placed a negative mark on my credit.
Product: Credit card

Chase Visa has an XXXX XXXX credit card where they offer rewards based on spending a certain amount of money. namely " XXXX  '' and an economy companion ticket on the XXXX XXXX XXXX XXXX. I met the spending threshold back on XX/XX/XXXX of this year. I still have not received my companion ticket. My husband has his own card and has not recieved a ticket either although he too has met his spending amount. After contacting XXXX XXXX, it seems Chase creates a membership number with XXXX XXXX ( at XXXX XXXX ) with no way of logging into it to redeem these points ( XXXX  ) or the companion ticket. I formed my own XXXX XXXX  membership and have been fighting quite a while to merge these two numbers. I did get my XXXX but not the companion ticket. And have been given the run around. I have probably called 15 times on this. It seems this is an ongoing issue with this particular cards? XXXX XXXX have told me they are always getting complaints. I think they should be investigated? There is a {$95.00} annual fee for this card and I think this is fraudulent inducement getting people to sign up for the card and spend all this money and not be able to get the ticket.
Product: Debt collection

National Credit Systems sent me a letter in the mail stating that I allegedly owed a debt. I sent them an immediate response saying that the debt was not mine, and asked them to validate as well as prove that they are legally licensed to collect debt in Florida. 

It has been 2 months now and I have not received a reply, and noticed that they placed the account as in collections on my credit report, without validating the debt. This is illegal and will also be reported to the Florida Attorney General as well as the Consumer Financial Protection Board.
Product: Credit card or prepaid card

I pay for AMEX Platinum credit card which advertises to include Trip Cancellation and Interruption Insurance when booking flights through their service but this is not true. After 6hrs of phone calls and 9 different representatives I found out they only insure cancellations and interruption under 7 rare circumstance like a XXXX attack, but not if the airline cancels the flight, as in my case. This is clearly advertised as an insurance on cancellations but they will not honor this. 

XXXX I called AMEX to confirm my flights in XXXX to XXXX and ask about covid precautions, PCRs, etc. I was told that the airport, date and duration of my return flight had changed, but no one had informed me until then. My return flight went from a duration of 13hrs to 38hrs, including an overnight lay over I didn't plan, and I was then told I would have to pay if I wanted a better flight or fly from my original selection. I was also told I would have to pay for a bus to the new departure airport. I refused to agree to this as none of this was my fault nor was I informed and I was then transferred to the AMEX Platinum insurance dept, XXXX XXXX, as they said my card covers travel cancelations interruptions like this. An automated service said there would be a 5min wait and I was on hold for 35mins, then the phone was hung up on. When I called AMEX Travel back I was told this department closed at XXXXEST while I was on hold. I asked to speak with a supervisor who then told me the XXXX XXXX XXXX. isn't even open on the weekends. At the same time I was on the Online Chat service and I was told the Ins dept. was open until XXXX and was given a direct number to call that didn't work. 

I asked the supervisor I was speaking to on the phone to send me information to make a formal complaint as I was receiving 3 different stories form 4 different AMEX staff members and I was told there was no further person to contact and there was nothing more I could do. I spent 3 hours on the phone to be told there is no one working that could help me and I have to call the insurance dept. on Monday. 

XXXX - After a further 3 hrs of calls and holding today, XXXX informed me that they do not cover Trip Cancellation and Interruption, except in some very rare circumstances, Airline cancelation is not one of them. I told the representative that this is also not listed in section F of the contract under what is not covered. The XXXX Representatives agreed this is misleading advertised and acknowledged the exclusion was missing from the contract. They also admitted they receive this complaint regularly, they recorded the conversation so this can be confirmed. 

Bottom line, I pay hundreds of dollars for an AMEX Platinum service that is not provided as advertised. I spoke with 9 different people in total and was lied to on several occasions, hung up on 3 times and the worst part is I wouldnt even be aware of the flight change if I hadn't contact AMEX myself and would have had to sleep in an airport as nothing is available at this point in time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have file a dispute in regards to the incorrect inquiries items on my credit report. 

Unfortunately it has been well over 30 days and I still have not received any investigation results from any of these companies. 

EVEN SENT FOLLOW UP LETTERS AND NOTARIZED DOCUMENTATION ON XX/XX/2021
Product: Checking or savings account

Back in XX/XX/XXXX I had a banking account with Bank of America. My purse was stolen off the bus, I contacted them and told them my purse was stolen. they then closed my account for suspected fraud alert for the amount of {$1.00}. I havent committed any fraud this is false information and it is stopping me from getting a bank account anywhere I cant open a XX/XX/XXXX account nor checking account. This is have been a big problem in my life it has caused XXXX. I have a XX/XX/XXXXand kids and i did not commit any fraud and I need this off my report Now. I will not be accused and penalized for something I didnt do
Product: Credit card or prepaid card

I had signed up for a internet dating site called XXXX on XX/XX/17 and the charge was {$65.00}. I found that the site was posting fake ads - there were several ads with the exact same personal introduction. Example : XXXX XXXX XXXX XXXX, CA I think Im pretty easy to get along with. I think its because I like to listen just as much as I like to talk. People find it easy to communicate with me and I think thats a big reason why. 

XXXX  XXXX XXXX, CA I think Im pretty easy to get along with. I think its because I like to listen just as much as I like to talk. People find it easy to communicate with me and I think thats a big reason why. 

I tried in good faith to resolve this with the merchant with no success. I therefore, submitted a dispute with the credit card company. I supplied the above info twice and the reply was that I had not submitted proof to validate the dispute, namely proof of cancellation of the purchase. I was not disputing the charge based on the issues of cancellation/non cancellation but on the quality of the product.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXXXXXX 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. These accounts are not mine no payment history nothing.