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

Equifax keeps sending me codes by USPS mail to enter at their website... .I enter the code and it never works... all I get is a pop-up telling me to call customer service..I call customer service and they tell me they will text me on my cell phone ... I do not have a cell phone... They tell me that they will mail ( USPS ) me another code..I get the code in the mail and the same thing happens..It never works ... I have done this 4 times ... I have wasted hours on the phone with their 'customer service ' ... They refuse to send my credit report ... there is an item on their report that I want to dispute, but I need the details...
Product: Checking or savings account

I have a checking account with Bank of America. I knew that I had some significant charges that were going to hit my account around XX/XX/XXXX, so I transferred {$3000.00} from my XXXX XXXX savings account to the Bank of America checking account on XX/XX/XXXX. Some of the charges hit the checking account on XX/XX/XXXX, but the on-line transaction activity statement for the account showed that the account had a balance of {$170.00} as of the end of the day on XX/XX/XXXX. However, the bank still hit me with a {$12.00} overdraft fee and hit me with a {$100.00} cash advance from a credit card. I called the bank 's customer service phone line to find out what happened. The customer service representative said that I had an overdraft position on XX/XX/XXXX with the " in-process '' charges were included. When I told the representative that I had a {$170.00} at the end of the day on XX/XX/XXXX with the in-process charges, she hung up on me. 

I believe that the actions of Bank of America were unethical and illegal. In addition, even though XXXX XXXX XXXX  stated that the {$3000.00} was transferred on XX/XX/XXXX, it was not credited to my Bank of America account until XX/XX/XXXX. Bank of America always holds the funds for a day before crediting them to my account, which also seems to be unethical and illegal.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with COMMONWEALTH FINANCIAL plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$1400.00}
Product: Checking or savings account

During a period when i was in hospital and not well, i used my account to get food. Over this period US Bank charged me for 18 overdraft fees! or {$640.00}! I deposited cash to cover my debits ( for purchases ) and also paid 2 overdraft fees! 

Please see attached the download of my checking account to see the charges. This is unfair, reasonable and unjust.
Product: Debt collection

HIPAA Transworld Systems Inc ... .I did not give authorization, written or verbal to have my PHI shared with anyone. Transworld Systems Inc needs to provide a copy of written authorization that releases my PHI to them. If they recieved an electronic transfer of my ePHI they need to show their compliance with the HIPAA SECURITY RULE, specifically the HITECH ACT of 2009. 
I have also submitted an affidavit to Transworld Systems Inc ( Copy attached ). 
Alleged Accounts XXXX**** {$220.00} XXXX**** {$62.00}
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to dispute fraudulent accounts on my credit reports resulting from identity theft. These accounts were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX Account Number : XXXX ( XXXX, XXXX, Equifax ) XXXX XXXX XXXX  Account Number : XXXX ( XXXX ) XXXX Account Number : XXXX ( XXXX ) Under 15 U.S.C. 1681c-2, I have the right to block and demand removal of information resulting from identity theft. Furthermore, reporting these accounts without my explicit consent violates 15 U.S.C. 1681b, which governs permissible purposes for accessing and reporting consumer information. I assert that these accounts were created and reported unlawfully, and I never provided consent for such reporting.

I have attached an identity theft affidavit and additional supporting documentation. Please ensure these accounts are removed from my credit reports immediately.

I request written confirmation of receipt of this dispute and updates regarding the resolution process. I also remind you of your obligation to address these violations promptly under 15 U.S.C. 1681i.

Thank you for your urgent attention to this matter.
Product: Credit reporting or other personal consumer reports

Navy federal credit union has been reporting inaccurate information XXXX Go Rewards {$3500.00}. Cash rewards {$1500.00} to the credit .Stating that I am 30 days late on my credit card payments when there currently paid off and I have no debt established with the .I would like all false and inaccurate information removed as soon as possible .As it is hindering my credit tremendously.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX  - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX
Product: Credit card or prepaid card

Capital One has been hacked before. Today, on XX/XX/2023 I can not access my accounts on their website!!! And I have 4 accounts!!!! I cant reach them by phone either. 

You can not continue to let these multi billion dollar companies get away with this!!!! 

Their website says we can not access your accounts but were working on it. 

How unprofessional!!!!!!!!!!! And extremely inconvenient!!!!!!!!!!!!
Product: Debt collection

I was extended {$1000.00} credit from XXXX XXXX/Care Credit formerly XXXX XXXX for dental work. If the debt was paid within a year, no interest would be applied. First {$84.00} payment was due in XX/XX/XXXX. I made 7 consecutive payments of {$84.00} before I noticed that my account was not being credited. On my mobile device I could see the {$84.00} payments were in pending mode and on my PC there was no activity showing at all. I called Synchrony and complained. I was told that it would be investigated and rectified shortly thereafter. My first seven payments totaled {$580.00} with {$410.00} outstanding. I was promised at least a dozens times that it would be fixed. I paid a total of {$1200.00} that was never credited, even though my XXXX bank account was verify-ably debited. Synchrony never helped me and eventually charged off the account. They sold it to a collection agency called XXXX XXXX XXXX. I was able to speak with XXXX at XXXX XXXX XXXX, who said they would investigate my complaint. On my credit report there is a payment grid with 27 OK payments with no amounts in the OK area. This is a totally messed up situation. My credit has been ruined by XXXX XXXX/Care Credit and XXXX XXXX XXXX for a debt I paid. Thank you.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 
Affiant Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. 
XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, ( XXXX XXXX ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ).

The inaccurate reporting of both my account status and payment status by ( XXXX  ) Account # XXXX, XXXX XXXX XXXX Account # XXXX, ( XXXX XXXX ) Account # XXXX is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well-being by falsely stating those non-compliant unverifiable accounts on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XX/XX/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 an account without my written instructions.
Product: Debt collection

XXXX XXXXXXXX XXXX sent a collection for an account that had been canceled to Voss and Klein. On XX/XX/XXXX I have an email from XXXX XXXX the sales rep for XXXX XXXXXXXX XXXX  verifing the contract had been canceled due to XXXX XXXX XXXX which the contract was with was sold XXXX XXXX email below From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXXXXXX XXXX To : XXXX XXXX XXXX Subject XXXX XXXX XXXX XXXXn Hello XXXX It was good talking to you again today. We appreciate your business at XXXX and thank you for your sponsorship of the XXXXXXXX XXXX XXXX. 

Here is our media kit and a recent study on the program which you can submit for the new company to review and consider for continuation of your sponsorship at XXXX in XXXX. These spaces ARE limited to only one sponsor and they fill up fast whenever there is a vacancy. 

Please have your marketing team reach out to me and let me know as soon as possible of any interest in continuing with the program so that we can be sure and guarantee your space moving forward. 

I can be reached at XXXX. 

Best regards -- XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX XXXX
Product: Mortgage

Dear Bank Of AmericaI need your assistance with release of lienThe document number is XXXX for XXXXMy modification was completed XX/XX/XXXXMy discharge for the XXXX mortgage was XX/XX/XXXXThe document number is XXXXThe amount XXXXBy providing lien release I can avoid bankruptcy court to complete avoid lien request requested - however I need to adjust value and will be granted according to bankruptcy judge notesI appreciate your time
Product: Prepaid card

Shortly after activating my {$100.00} XXXX gift card in XX/XX/XXXX, there were XXXX fraudulent transactions at the XXXX XXXX store totaling {$93.00}. I immediately notified XXXX XXXX of the fraudulent transactions and asked that these be investigated so that the value of my card could be restored. 

The agreed to investigate it, but I never heard anything back. In XX/XX/XXXX, I contacted them again, and they said they had reached to out to me in XX/XX/XXXX asking for more information. I discovered that they sent this request to an email address that I had never heard of and that I have never been associated with. 

I requested that they reopen the case and resend their request for information to the right address so that we could resolve this case of fraud. They refused to do so, claiming that after XXXX business of sending information ( to the wrong address ) they had no obligation to address fraud on my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security number was CHANGED in XX/XX/2022. After this change was made by the XXXX, they had provided a notice to me, explaining why such a change was made. 

I have conveyed this information to all the XXXX credit bureaus ( Transunion, XXXX and XXXX ), my credit card agency - XXXX, my bank ( XXXX XXXX ), as well as all my brokerage accounts. 

However, whenever I try to access my credit reports from https : //www.annualcreditreport.com - after providing my name, DOB, SSN, Address - I do not get to see any of my credit reports or the credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over thirty days ago, I wrote to each credit reporting agency ( XXXX, Equifax, & XXXX ) indicating my dispute off information on my credit report on XX/XX/2021. A copy of the original letter accompanies this correspondence. as of today XX/XX/2021 XXXX, Equifax, & XXXX have not responded to my dispute and therefore they must remove from my credit file all information disputed in correspondence. under the FAIR CREDIT REPORTING ACT, XXXX, Equifax , & XXXX had 30 days to complete their reinvestigations of disputed information. This 30 day mark has come and gone without any response from XXXX, Equifax, & XXXX. I am asking for the CFPB 'S assistance in the verification of the removal of the disputed data from my credit report. please send to my address provided at no cost to mean updated credit report at no cost to me as proof that these items have been removed completely.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Name and address are not updated nor correct in my credit report
Product: Credit card or prepaid card

The company has stated that they closed my account upon review and discovery of " red flags '' I would like a full definition of what constitutes a red flag and what transactions were identified by this process and definition. 

The explanation given is not adequate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit file  XXXX  from  XXXX . I realize my credit file has credit inquiries not authorized or initiated by me. I write a letter to   XXXX    the write back confirming these are factual and to contact orginal creditor. On  XX/XX/XXXX  I called Barclays Bank Delaware @  XXXX  and explained to operator #   XXXX   an inquiry appears on my report I did not authorize. He stated it was done over 7 months ago they have it in their system it is a faud appplication but he can '' t do anything as it no longer in their system. So I called TransUnion fraud dept. and  XXXX  was no help she just basically said why you calling us. As a consumer it is unfair they can easily input inaccurate data but not remove it. Now I am in the process of rebuilding and repairing my credit little errors like these affect my score.        XX/XX/XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  , PA  XXXX  Dear   XXXX   XXXX   : It is your responsibility to ensure that creditors demonstrate clear permissible purpose in accordance with the Fair Credit Reporting Act before releasing a consumer 's credit report. Demonstrate that the hard inquiries for the creditors below have met this requirement, pursuant to the  Act. My Social Securit y number is  XXXX  Barclays Bank Delaware   XXXX     XXXX   XXXX    XXXX  Otherwise, rescind the errant notation immediately.     Sincerely,   XXXX   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I am refiling a complaint with the XXXX regarding inaccurate reporting and fraudulent accounts listed on my credit report. 
Upon reviewing my credit report, I discovered multiple accounts that fraudulently reporting and damaging. These accounts have been inaccurately reported to the credit bureaus and are negatively impacting my credit score and financial well-being. 
Despite disputing these accounts with the credit reporting agencies, the fraudulent entries continue to appear, indicating a failure to correct or remove the inaccurate information as required by law. This situation violates the Fair Credit Reporting Act ( FCRA ), specifically Sections 607 ( b ) and 609 ( a ) ( 1 ), which mandate that credit reporting agencies ensure the accuracy and completeness of the information they report and provide consumers with the right to dispute inaccuracies. Additionally, Section 605B of the FCRA outlines that information resulting from fraud or identity theft must be blocked from a consumer 's credit report. The continued presence of these fraudulent accounts on my report, despite my efforts to correct them, constitutes a violation of my rights under the FCRA and has caused substantial harm to my financial standing. I am requesting an immediate investigation into these discrepancies and the removal of any fraudulent accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be updated. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be updated immediately. 

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

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable reinvestigations of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

American Express bank ( Amex ) is violating consumer rights. Below are the facts of my complaint. 

1. I opened an Amex CD certificate of deposit on XX/XX/XXXX for a term of 12 months only. Account number ending in XXXX. 

2. As of XX/XX/XXXX I have {$71.00} worth of accrued interest. 

3. Upon inquiring for early withdrawal and closure of CD as of XX/XX/XXXX I was told by customer service and their manager that I would have to pay a penalty of {$300.00} on XX/XX/XXXX this is illegal since I have only accrued {$71.00} in interest! Only the interest accrued should qualify for the penalty and NOT the principal amount. 

4. AmEx makes it impossible to close out this account online or to even change the maturity instructions to close out the CD upon maturity. It seems the CD automatically renews even though I have asked their customer service multiple times over phone that I do not wish for the CD to automatically renew but noone helped me to change the CD maturity instructions. 

5. Amexs CD disclosures are misleading and DO NOT mention it clearly that the consumer would have to pay future interest NOT YET earned as a penalty for closures. 

Can the CFPB assist in correcting this extremely dubious banks deceptive and illegal practices? And I hope that through my actions other consumers are not subjected to the same level of harassment.
Product: Debt collection

Early on the morning of XXXX I received an email alert from XXXX  indicating a " credit alert ''. When I checked, I was told that a company called Commonwealth Financial - XXXX XXXX XXXX XXXX XXXX, PA XXXX Had placed a " seriously delinquent '' credit report on my file for {$390.00} effective XX/XX/XXXX. I have not borrowed money in several years and have no idea what this is for. Furthermore, I have had no communication from this company about this alleged debt. It needs to be removed.
Product: Credit card or prepaid card

My Citibank XXXX XXXX card had the credit line lowered to XXXX just yesterday on XX/XX/. I just made a payment on this card of XXXX on XXXX  and now the current available credit is just XXXX, extremely close to the new lowered limit. Citi lowered my credit limit SIGNIFICANTLY because they claim they checked something on my XXXX credit report and made this decision. I have NEVER missed a single payment on any of my Citibank cards, I have always paid more than the minimum and have never had ANY issues. The only thing that changed on my XXXX credit report was charges to get my automobile fixed after a collision, I charged XXXX on another Citi card in the past month. This reduction WILL negatively affect my credit score now as it APPEARS I have used up 100 % of my credit line, which is erroneous and only occurred because Citi arbitrarily and without warrant or merit decided to lower my credit line because of nothing that happened on this card. I first tried getting online with chat to ask about this and " XXXX '' told me that he had no information and gave me the number to XXXX, I did not NEED the number to XXXX as they are not the ones who lowered my credit limit. I told him I wanted to talk to customer service- I called customer service on the back of my card to ask to have my previous credit line restored and when I got a hold of someone I said that I wanted to talk to a supervisor, but was told by the customer service representative " XXXX ' on XX/XX/23 that they could not speak to a supervisor because their " Credit experts '' are the ones who made the decision to lower my credit line, he said I needed to wait on the letter from the company. I told him that the email says why this was done due to something on my credit report - I did not need to wait for the letter, I already understand this is something on my report not directly related to my actual card, but rather something the " experts '' decided was a reason to lower my credit line. I asked to speak to someone who could rectify this, he refused to transfer me to these " experts '' and would not let me speak to a supervisor, he said they do not make any decisions, at which point I was irate with this and hung up. I am very upset at this and do not feel this is justified