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

I am submitting this complaint to address the ongoing inaccuracies and incomplete information regarding my XXXX XXXX XXXX XXXX account on my credit report. Despite previous disputes with the Experian on XX/XX/2022, and XX/XX/2022, the inaccuracies persist, adversely affecting my credit profile. 

On both occasions, the account came back verified, leading to the addition of more inaccurate information and the removal of some existing accurate information, further exacerbating the situation. Consequently, the account remains incomplete and misleading. 

Furthermore, my request for a full consumer disclosure file has been ignored, depriving me of crucial information necessary to address these inaccuracies effectively. 

The persistence of these inaccuracies and the lack of response to my request for a full consumer disclosure file are deeply concerning and have significant implications for my financial well-being. Therefore, I am seeking assistance from the Consumer Financial Protection Bureau to resolve this matter.. 

I urge the CFPB to intervene and facilitate the removal of the XXXX XXXX XXXX XXXX account from my credit profile, as well as to ensure compliance with my request for a full consumer disclosure file.
Product: Credit card or prepaid card

I have an XXXX XXXX Secured Credit Card, issued by Synchrony Bank. 

On my XX/XX/XXXX statement I incurred a {$29.00} late fee and interest charges in the amount of {$7.00}. I did not recall getting my statement via the U.S. Postal service but assumed I must have missed it. I contacted Synchrony to ensure I was on paper billing and they indicated that I was. 

On my XX/XX/XXXX statement I again incurred a late charge in the amount of {$40.00} with interest in the amount of {$9.00}. I did not receive a paper bill again. 

I rely on paper billing for companies I do business with ( old school I know ) and as of last week my XXXX  credit score received via my XXXX XXXX account has my rating at XXXX. 

XX/XX/XXXX I again contacted Synchrony via their chat services and corresponded with XXXX XXXX ( Chat ID XXXX ). I was told that I was on paperless billing. I never changed my election to non-paper billing and asked why it had been changed. I did not get a clear answer but was offered that they would refund the late fee and interest charges. And she assured me that I was now on paper billing. 

XX/XX/XXXX I contacted Synchrony and chatted with XXXX referencing my previous chat ID number. I told her that a credit for the interest in the amount of {$9.00} was posted to my account under the activities portion with an effective date of XX/XX/XXXX but that the {$40.00} late fee had not posted to the account she assured me the {$40.00} late fee was credited to my account and I asked where was it on the account for my review. She never really gave me an answer but while chatting with her she turned off my paper billing and put me on paperless billing. When I asked her why, she indicated I had answered yes. I had answered yes to her prior question. I then asked to be transferred to a supervisor. I was transferred to an Account Manager named XXXX XXXX. I again went through my questions/concerns regarding the credit and do they systematically remove customers from their elected billing preference. He indicated no, I again asked for confirmation in writing and again was not proved the requested information. He indicated that the credit for the late fee was indeed on my account and would be on my next billing statement and that I was back on paper billing. 

XX/XX/XXXX my monthly billing statement posted to my account with a closing date of XX/XX/XXXX. Upon my review I see the {$9.00} interest credit posted with an effective date of XX/XX/XXXX. However, the {$40.00} late fee is not on the statement. I start a chat with XXXX XXXX again going through my issues. She also tells me that they do not systemically remove people from paper billing and she assured me the credit was on my account and that I was on paper billing and would receive my XXXX statement via the postal service. I again asked where I could see the credit on my account and was not given an answer but again she reassured me it was taken care of.
Product: Credit reporting or other personal consumer reports

I have sent several NOTICES regarding delinquent child supports, JUDGEMENTS, fines and liens no longer be permitted per the FCRA to Transunion Consumer Credit Solutions regarding the FACT Act XXXX amendments and the FTC stating that " collection of an account '' is a permissible purpose to obtain a consumer report " only when the collection is in connection with a credit transaction ''. Transunion Consumer Credit Solutions has now once again violated this Federally consumer protected law and sent a letter dated XX/XX/XXXX stating " INVESTIGATION RESULTS- VERIFIED AS ACCURATE : The disputed item was verified as accurate. I've enclosed a letter from the XXXX XXXX XXXX stating the court does not have any direct form of communication with credit reporting agencies and does not report any individual bankruptcy information to credit reporting agencies The NOTICE sent was not a verification of debt to Transunion LLC. The NOTCE sent to Transunion Consumer Credit Solutions is from there own website and is from FCRA, FACT Act XXXX amendments and the FTC that JUDGEMENTS are no longer PERMISSIBLE on a consumer credit report and to COMPLY with the Federal Law to remove the BANKRUPCTY Judgment from my consumer report and Transunion has willfully neglect to follow the Federal Law. I have attached a copy of the scanned Transunion Consumer Credit Solutions Reply Letter as evidence of this violation of Federal Law. I am now under my right as a consumer to seek compensation pursuant to XXXX to commence lawful action and judgement against Transunion Consumer Credit Solutions
Product: Bank account or service

As of XXXX/XXXX/2016, my account is overdrawn due to a transaction that should have never been allowed to occur. True, this was a preauthorized transaction, however, the funds were not there. I had a balance of {$3.00}, and the debit was for {$97.00}. PNC elected to pay this for me, even though the money was not there. 
I called the service center to explain that my account would remain negative until I received my next pay check, which would not be until the XXXX/XXXX/2016. I asked them why they paid the debit instead of returning it. PNC 's response was that they base it off of customer history. They acted like they did me a favor by paying the debit. 
At that point, I tried to get them to act proactively instead of retroactively. I explained that fees would still be adding into my account, and that it was n't fair because PNC should have never paid a transaction that the funds were not available for. The gentleman told me that the fees would have to be dealt with after they were incurred. I, as the consumer, do not have time to worry about whether or not PNC will refund these fees. I feel as if PNC is aware of the hardships they are causing their customers just based off of the complaints I have read in this database. They are charging fees that are unfair, and not allowing me time to fix the negative balance without charging me more money. 
In reality, they are causing a lot of trouble. Because the account has been negative for more than 4 calendar days, they are charging me a {$7.00} daily negative balance fee for up to 15 days ( totaling as much as {$100.00} ). By the time I am able to bring this balance positive, I will have incurred more in fees that the original debit. 
And because my account will have had a negative balance for fourteen days, it is a risk that it will go into a closing state. If that happens, then it will go on record that I owe PNC money, and I WILL NOT BE ABLE TO HAVE ANOTHER CHECKING ACCOUNT BECAUSE OF THE BAD MARK ON MY BANKING HISTORY. 
I have never owed money to a bank, nor have I put myself into that position. I would appreciate it if PNC took me out of that contention. 
I blame them for this whole issue. I think they are trying to get extra money from me, to the tune of {$140.00}, plus the original debit of {$97.00} ; totaling {$230.00}. 
This system PNC has is not set up for consumers. It is set up for them to maximize their profits by feeding off the little people.
Product: Student loan

I enrolled in a degree program in 1996 and financed it via Federal student loans. My loans were serviced by XXXX XXXX, and after that company failed, with Navient. I have never been counseled nor offered guidance with regard to income driven repayment plans by these firms. No outreach has been conducted by them to me, and I have been forced, as a result, to pay a private company for this straightforward and essential assistance. ( After all, perhaps these loan servicing firms make money through interest rate markups on monthly loan payments, and were all those eligible for {$0.00} or relatively small payments through the forgiveness programs to actually enroll, that would be too expensive to them, irregardless of the contractual obligations they made to the DOE to counsel borrowers. If so, are we not naive to expect these firms will promote programs which defeat their profit interests? If this is not accurate, I cordially request an accurate explanation ... ). In any case, having had XXXX XXXX, and now Navient, servicing my debt makes my case, it seems, a microcosm of the vast, systemic dishonesty and negligence problems these firms are accused ( guilty ) of. To say the least, with Navient under criminal complaint, it seems absurd to have them as my servicing firm. Their credibility is sorely lacking. And if what XXXX XXXX has with finality has been found guilty of a cross the board is also true of my case in particular, this borrower seeks remedy. What remedy is there for me?
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a forma
l complaint to th
e Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX ), filed on ( XX/XX/XXXX ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I noticed some hard inquiries that I do not recognize or were made in error. According to 15 USC 1681B a credit inquiry may only be made under certain circumstances and for permissible purposes. Additionally, under 15 USC 1681i, I have the right to dispute inaccurate information on my credit report. The following hard inquiries were not authorized by be and I request that they be removed from my credit report immediately. 
Inquiry : XXXX  XXXX - XX/XX/year>
Product: Vehicle loan or lease

I have be struggling with this loan company and they just don't want to help me. I have been making payments as I can and I check before my car was repossessed just recently I was just 30 days past due. Normally I would get a letter in the mail stating to pay by such an such date other wise we can legally or something take the property. This. company is know not to work well with anyone who is going through a finincal hardship even during this pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed several accounts with XXXX, equifax and XXXX XXXX about late payments, it is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( I ) my consumer report should not contain information solely as to transactions or experiences between the consumer and the person making the report. 
Accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ARS ACCOUNT RESOLUTION at address ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has been sending me collection notices in the amount of ( {$800.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 

I would like the bureau to delete this account off my credit report and do not try to put it back on my credit report. 

In accordance with the Fair Credit Reporting Act, XXXX  Account ( that goes by ) : ARS ACCOUNT RESOLUTION, ARS ACCOUNT RESOLUTION SERVICES, ACCOUNT RESOLUTION SERVICE, and ARS ACCOUNT RESOLUTION SERVICE, 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 an account without my written instructions
Product: Credit reporting

I closed my account with XXXX. They have sent me bills in the mail that only show the total amount owed but not what the charges are for. My husband and I have attempted to call them multiple times as well as stop into the store to understand these charges. We were only hold for extremely long periods of time with no-one picking up the phone. In the last few days their collection agency XXXX XXXX XXXX XXXX contacted me and asked if there was anything they could do to help resolve this debt. I let them know that I wanted a bill noted as final that showed what the charges were for. They agreed to this and today all I received from them was another bill that just showed the balance due ( not what it was for ) plus a collection charge. To make matters worse I noticed that my credit score dropped significantly yesterday so I pulled my credit report. I have NEVER had a late charge on my credit report in the 20+ years I have been an adult. XXXX reported my account as deliquent. I contacted our local non profit credit counseling agency and they suggested I first try to work with XXXX to get a final copy of the bill and also to get it removed from my credit report since they have not provided me with adequate information to understand the charges. I spent over 30 minutes on the phone today with them and took detailed notes. They said that they would send me the bill as I requested ( " now '' ) but that once it went to their collection agency I would have to wait 7 years for the negative information to go away. I contested this verbally on the phone as I was never given the proper information to understand what the bill was for. I asked to speak to a supervisor and was put on hold. I waited a few minutes and they said they were connecting me to a supervisor now that would help me - no-one had picked up 7 minutes later when I finally gave up and hung up. I would like to understand what I need to do to get this negative information removed from my credit report. I have absolutely no problem paying a {$99.00} charge if it is valid but I have a significant problem with XXXX not providing me the information to know whether it is valid. I also have major issues with being on hold multiple times to get this information without them picking up the phone. I am hoping that you can help resolve this for me. Thank you in advance for your assistance.
Product: Credit card or prepaid card

I have received MANY credit card offers over the years from  US BAN K and never accepted them. In  XXXX  of   XXXX  , I got an offer for our business with a cash back bonus o f $ 500.if you s pend {$4500.00}. within the first 150 days. I applied and got accepted. By the time I got my  XXXX  statement, I had already spent {$4900.00}. At the beginning of  XXXX , I called because I had not seen my bonus yet. The person I spoke to  at US  BANK looked over my account and did n't understand why I did n't get it either and she said she will send my complaint t o one of their  departments and have someone get back to me.   Today (  XXXX   XXXX ,   XXXX   ) I received a letter in the mail stating that I do n't qualify for the cash back bonus because the charges needed to be done by the Authorized Officer only and not by any Authorized Employees.. I got out ALL of my paperwork and the original offer they sent and I do not see anywhere in this paperwork where it says that I had to make all the purchases. I have had and used numerous offers over the years with different banks and this is the FIRST time that I have ever had something like this happen. To me, this is FRAUDULENT advertising and it does n't look like there is anything I can do about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to corrected immediately : XXXX XXXX XXXX Balanced Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$22.00}
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 Equifax Credit Bureau 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 Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I had previously set up an auto payment on my credit card ending in XXXX for {$3000.00} and then cancelled and changed it to {$500.00}. I got an email from Bank of America acknowledging the revised payment. On XX/XX/XXXX they took both the {$3000.00} and the {$500.00} from my account. I immediately called and advised them of the error, and they advised that they would refund my {$3000.00} once it posted in 2 to 4 business days. It is now the XXXX of XXXX and I still have not got my money back. I have called over ten times and been given the run around. My credit account has a XXXX balance and I still do not have my money back. I have had to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is an injustice that needs to be addressed. Please help me get my money back from Bank Of America.
Product: Credit reporting or other personal consumer reports

Today, XX/XX/year>, I received a letter from Experian regarding report # XXXX stating that I requested a permanent removal of my security freeze. I made no such request. I tried to contact experian at ( XXXX ) XXXX but their automated answering system would not transfer me to a real person. Instead, it kept making inappropriate recommendations. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent investigation letters to experian and XXXX on XX/XX/2023 in regards to inaccurate information reporting on my profile all letters were sent certified mail I also requested their method of verification giving names and contacts of everyone they spoke with to verify any accounts on my reports I further explained in my letters that I do not consent to the e-Oscar method of reporting that the bureaus use to so called investigate which is totally illegal as of this date of submission of this complaint XX/XX/2023 I have received no response from the bureaus Im requesting the intervention of the cfpb to force these bureaus to get in compliance with the law and remove any item reporting inaccurately and unverifiable according to my rights as a consumer.
Product: Checking or savings account

On Tuesday, XX/XX/XXXX " Current '' Bank froze my account with {$500.00} in it. They sent an email asking for me to send a picture of my ID and myself - as well as a recent cellphone or electric bill and then asked me to go in-depth with transactions on my account- all of which were made by me and none of which I disputed or ever tried to consider fraud. After providing the info requested the SAME day and not having any kind of follow up from Current, it is now XX/XX/XXXX and my account is still locked. First, I do not like the invasion of privacy from an " online '' bank into my financials or why I spend it as if they are a court of law. Second, I have requested more than once for them to review the information submitted so I can access my funds and be done with their bank. I have had an account with them since XXXX of XXXX and used them sparingly for the simple reason that I do not trust a bank without a brick and mortar location and this is why. I usually used them as a last resort or if I had someone who needed to send me money " easily ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX is reporting a collection to my account that is in error. I have repeatedly tried calling, emailing and attempting to contact them to pay it before the account ever went to collections, however nobody will help me when I can get a hold of them and no one is calling me back. I am trying to pay this and am unable to contact someone in order to do so.