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

Equifax froze my credit and regardless of conversations with Equifax, they will not unfreeze my credit. Each time I go through the painful customer support process the agent says they have unfroze my credit but they have not. Hours have been spent on this specific query and Equifax purposefully makes it difficult to get in touch with agents in an abusive manner to consumers
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I was sent a letter from XXXX XXXX XXXX advising that my account was paid off due to my auto insurance company XXXX paying the balance of XXXX in full and I owed XXXX. This account is still reporting to my credit report in error and violating the fair credit reporting act The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.
Product: Checking or savings account

I was supposed to receive a {$500.00} bonus for opening a business account in XX/XX/2023. Opened XX/XX/2023. I've completed all terms and have not received the bonus
Product: Debt collection

I received a collection notice from SYSTEMS XXXX in regards to doing business with XXXX XXXX in the amount of $ {$210.00} and have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system. 15 USC 1692g validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt ;
Product: Debt collection

I checked my credit and noticed this account listed on my credit report that does not belong to me. I've disputed the account already and ask that they validate the account but that has yet to be done.
Product: Debt collection

To the Credit Bureaus regarding discrepancies in my credit report, After conducting a thorough examination of my credit report, I encountered significant distress upon discovering numerous unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were accurately reported. According to 15 U.S. Code 1681e ( b ), which mandates consumer reporting agencies to utilize reasonable procedures for ensuring the utmost accuracy of individuals ' information, it is evident that your obligations in this regard have not been fulfilled.

I understand that under 15 U.S. Code 1681i ( 5 ), which specifically addresses the handling of inaccurate or unverifiable information, consumer reporting agencies are required to promptly delete or amend such information upon confirmation of its inaccuracy or inability to be verified. Furthermore, they must notify the information provider of any alterations or deletions made. Failure to provide verifiable evidence within 15 days following the investigation necessitates the removal of the accounts and/or information specified below. 

In accordance with 15 U.S.C. 1681i ( 7 ) regarding the method of verification, it is evident that the following accounts lack valid evidence and are therefore in violation. Kindly take the necessary steps to remove them from my credit report : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Thank you for your prompt cooperation in addressing this matter.
Product: Credit reporting or other personal consumer reports

I obtained my full credit reports from the credit agencies XXXX, Equifax and XXXX and noticed that my reports were incorrect or were missing some information about my credit card charge account XXXX available credit limit. My XXXX XXXX Account has reached out to all credit report agencies and have stated they sent in information but have not been given the correct and proper assistance with reporting the accurate information for my credit card account. 
All credit reports for my XXXX account should be showing a balance of {$16000.00} as the credit limit of 1 year and 4 months of credit age. XXXX has notified me that the credit report agencies are not cooperating with their company on reporting accurate information they have sent out and reached out to the three credit report agencies. 
I have attached the proof of emails from XXXX about this matter as well as proof of the credit limit and information for this credit account. 

This account called XXXX account number XXXX current credit limit is {$16000.00} total and needs to be updated on all credit report agencies also the payment history should show one year and 4 months of positive payment history. 

The following incorrect information being reported currently as followed : XXXX is not reporting any information currently for this account at all after confirming with XXXX that the information I have listed above is on my credit report when it is not. XXXX are currently reporting a credit limit of {$0.00} with only one month on time payment even though the account is two years old this information is incorrect. XXXX has also stated they have been having problems with their data issue with reporting files but has yet to get back in contact or give an update to me or XXXX account. Equifax is lastly reporting a credit limit of {$12000.00} when the credit limit is {$16000.00} and credit age is 1 year and 4 months. 
This account called XXXX account number XXXX current credit limit is {$16000.00} total and needs to be updated on all credit report agencies also the payment history should show one year and 4 months of positive payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion CreditBureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Open a checking account with PNC back online ordered checks and after the checks for the account came the bank closed my account without any warning or the return of the checks fee that was paid for the checks.
Product: Credit card or prepaid card

I am requesting a refund of {$88.00} from the XXXX XXXX to be return to me due to Citibank computer error in the Probate Department that there was a balance of {$600.00} on my late husbands credit card so Citibank would not refund me the money. However, there is no balance because the Citibank Dispute Department has already resolved this balance. There were 2 disputes on my late husbands account ending in XXXX. The first dispute was resolved and a check of {$620.00} was issued on XX/XX/2021. However, the second dispute was also resolved on XX/XX/2021 with the attached letter from the Citibank Dispute Department on XX/XX/2021 for crediting me of {$600.00}. Recently, I just closed my husbands XXXX XXXX account and it refunded me of the {$86.00} on XX/XX/2021. I have been calling since XX/XX/2021 and found out that Citibank does not share information with different department, as of XX/XX/2021 Inconsistency and contradiction of records among Departments : PROBATE DEPARTMENT-XXXX SUPERVISOR ( XXXX ) XXXX denied of any refund and she claimed there was a balance of {$600.00} CUSTOMER SERVICE-XXXX XXXXthere was a balance of {$510.00} because the refund of the XXXX XXXX was received RECOVERY DEPARTMENT-XXXX ( XXXX ) XXXX-Confirmed the balance of {$510.00} was in the account, instead of the PROBATE DEPARTMENTs record And I contacted both the Dispute ( XXXX ) when I received the statement on XX/XX/2021, she informed me that the conditional credit of {$600.00} was refunded into my late husbands account on XX/XX/2021 and I received a confirmation letter as attached on XX/XX/2021. 



NOW,
Product: Credit card

I was approved for an Ikea credit card through Comenity Bank. When I called to activate it, I was required to speak to a live person who never identified herself. She activated the card, and then went into a sales promotion for XXXX XXXXXXXX, providing reasons I needed it, the cost, and her final statement was " now, let 's get you enrolled now so you are all set. '' I replied NO, but she would not accept my answer. She then went back into her hard sales pitch, talking very, very fast, not pausing for questions, and then slid in there again " now let 's get you started with this now and you can have a great day. '' I again said NO, and then told her how offended I was by her hard pitch and that it was misleading to new cardholders. She made me feel like it was an obligation. I 100 % disagree with that tactic and if they are not asking all cardholders a YES or NO question point blank, in clear terms, I find this deceptive. My parents would have fallen for this tactic and the way she pushed it made it makes me wonder if she is incentivized to do so. She never let me finish speaking, as she began yelling at me, telling me she was not required to read me a rebuttal by law which I asked her to send to me. She would not provide her name or escalate to anyone higher. I made this call on XXXX at XXXX XXXX. The activation # is XXXX. I find this practice deceptive and costly to card holders when they operate in this fasion. Why not mail out the promotion? I received the card over a month before I ever decided to even activate it. What about this account benefit had to be shared by a fast talking, card activator who was trying for a yes and to get me off the phone?
Product: Checking or savings account

I originally reported the charges as fraud within 60 days in XXXX. After careful review I discovered more charges and reported them separately with a total of three disputes against the single merchant. Originally there were a bunch of duplicate transactions which I reported as such. There were many duplicate charges on the same days of {$500.00} totaling around {$27000.00}. Total charges by the merchant over several months was {$49000.00}. 

Bank of America than denied one of the claims without the merchants response. The charges related to that claim were than re-disputed. The other claims were merged together by the bank since the charges are all from the same merchant according to the bank.

The merchant responded to one of the claims with information and addresses that didnt match my information in anyway. I explained this in my response to the bank to escalate the dispute in response to the merchant. As I explained repeatedly to the bank representatives, this account and the charges disputed arent mine. The merchant has failed to prove in anyway the charges are mine but the bank still denied the claim. 

According to regulations and federal law governing these transactions, my claim based on these circumstances is valid and therefore should be approved. Bank of America after taking at more than 30 days to decide on the claim, despite my quick response by certified mail and fax, denied the claim. I was told it could be a variety of reasons by phone even though I addressed all of them in my response. The denial of the claim was on or around XX/XX/XXXX. The claim ( XXXX ) have been pending since XXXX. 

The banks accusations that I know the person who placed the charges are untrue and can never be proven. Its a total fabrication on the banks part and will be challenged fully based on the law. 

I had to call to find out the status of my claim. its been about XXXX weeks since the claim was denied. The bank has failed to send mail regarding any of my disputes over the past month which also includes information on other disputes not related to this claim. XXXX mostly sure their failure to send me correspondence on my claims is also a violation of regulations. I cant view the claims online despite being told otherwise.
Product: Checking or savings account

Chase abruptly closed my account with no warning or informing me as to why. They stated I can not have my money from the account I will recieve a check in the mail in 7 to 10 days. However I have children I just got paid my rent is due and I have no money to get food or gas to get back-and-forth to work and Im supposed to wait 7 to 10 days and actually I just got off the phone with them and they said XX/XX/XXXX and they have the right to keep it private on as to why they ended my account but yet they just approved me for a savings account in addition to my checking account and send me a new debit card in the mail, so this is very unprofessional and I deserve to have know why I do owe a past due debt to a bank which I have an attorney for and Im working out the debt as we speak so this should not be allowed
Product: Credit card

The due date on my Barclay credit card is the XXXX of the month. I have never been late. Yesterday, XX/XX/XXXX I made a {$400.00} payment and they charged my account {$29.00} late fee on the due date and then they fraudulently stated that the payment was not received until XX/XX/XXXX. Their recording even stated that the payment was received on XX/XX/XXXX. This is first fraud that they charged a late fee on the sue date and second form of fraud for falsely stately the payment was received on XX/XX/XXXX. This company is also charging exorbitant interest rate of 29.99 percent. They baited me into using their card by offering a 0 -3 % interest rate then switched it to 29.99 % This is predatory lending and usury and should be illegal. I asked them to reduce interests numerous times but they refuse.Companies like this should be forces out of business!
Product: Mortgage

I reviewed and signed a final finance approval document on XXXX/XXXX/16. This is for a 30 year home loan with a 15 % down payment. The document includes the interest rate ( 4.625 % ) and points charge ( {$110.00} ). 
I was contacted by phone after they received the signed document and told that the points charge would be over {$2500.00}. I disputed this and was told that they 'd look into it. The next day I was told that the points charge I signed off on was incorrect. I was given an option to pay over {$1600.00} for points if I want to put 15 % down. My other option is to put down 20 % and pay {$590.00} as a points charge. They are willing to deduct {$590.00} if I choose either option. 
I was given an incorrect estimate from the beginning. These numbers are mainly what I used to decide to move forward with the deal. 
I understand that some closing costs can change before signing off, but I already signed a final approval document. I feel that I should pay based on the signed documentation.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXXXXXX  Account Name : XXXX Account Name : XXXX  Account Name : XXXX Account Name : XXXX  Account Name : XXXX Account Name : XXXX XXXX  Account Name : XXXX Account Name : XXXX  Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXXXXXXXXXX  Account Name : XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to the Consumer financial Protection Bureau ( CFPB ) regarding Bureau specifically in relation to the recent data breach that has compromised the personal information of countless consumers including myself. Pursuant to the Fair Credit Reporting Act ( FCRA ) s 605B ( 15 U.S.C s 1681c-2 ), I request the removal of fraudulent information from my credit report that has resulted from identity theft and fraud.Experican is legally required to complete this action within four business days of receiving this complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The accounts listed above are fraudulent and have led to numerous unauthorized hard inquiries and derogatory collections appearing on my FICO credit report.These entities are unequivocally tied to identity theft and are negatively impacting my credit standing. To substantiate my claim, I have enclosed documentation documentation of my FTC identity Theft complaint ( XXXX ) which serves as compelling evidence that these accounts, inquiries and collection are the result of identity theft and fraud. The negligence of XXXX in safeguarding consumer data has enabled identity thieves to exploit my personal information.I expect immediate action to rectify the matter, with acknowledgment of receipt of this complaint and confirmation of the steps being taken to remove the fraudulent information.Failure to comply with the legal with legal obligation will compel me to take further action, including escalation to the CFPB Federal Commission, and legal avenues available to protect my rights as a consumer. Thank you your attention to this urgent matter. Sincerely XXXX XXXX
Product: Debt collection

I was one of the millions whose personal information was stolen from creditors databases, leaving me vulnerable to identity theft. Compounding this issue, major creditors reported inaccurate information on my credit report without proper verification. This has created significant challenges in addressing my credit status and has made it difficult to regain control over my financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ACCOUNT XXXX XXXX. ACCOUNT XXXX XXXX XXXX. ACCOUNT XXXX Regarding XXXX XXXX Transunion is reporting it as closed. Which is hurting my credit score. XXXX and XXXX are reporting it as paid. I was never delinquent with this account. Never late. It was a lease. I complete my XXXX yr lease. Returned the vehicle and moved on to another vehicle. Please remove the account or change the closed status. 
Regarding XXXX Transunion is reporting it as closed which is also hurting my credit score while XXXX and XXXX are reporting it as paid. The closed account status is hurting my credit report. Please correct it or stop reporting it negatively. 
Regarding XXXX XXXX Transunion is reporting it closed while XXXX and XXXX are reporting it paid. The closed account status is severely damaging my credit score. Please change status to paid or delete
Product: Credit reporting or other personal consumer reports

NATIONAL CREDIT AUDIT CO Collection Account {$2800.00} This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XXXX XXXX XXXX NATIONAL CREDIT AUDIT CO, You have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action.I have not given you written permission to put anything on my credit profile 15 USC 1681b2.You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.I refuse to pay this alleged debt. Cease and Desist all collections activity AND DELETE FROM MY CONSUMER REPORT! YOU HAVE 10 Calendar days to DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS! or I will take legal action for consumer law violation under 15 USC 1681n, 15 USC 1681o and 15 USC 1692k.DELETE THE FOLLOWING ACCOUNT/S FROM YOUR RECORDS AND ALL CONSUMER REPORTING AGENCIES.
Product: Credit reporting

A few months ago I requested my credit report from Experian. I got back this letter from them telling me that they received something that looked like fraud. I did n't get a chance to call them right away and I honestly thought it was some kind of mistake so I just went online and got my report from some website instead. 
I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least XXXX months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have one I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within 30 days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than 30 days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.