23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I paid off XXXX of my credit cards. I also cancelled the same card. At least a month later I received a call from that credit card telling me I did n't make a payment. I told that person I paid it off and cancelled it. I was transferred to several different people. I was shocked at the way these people had no idea what was going on. I was told that there was a purchase made after I paid the card off. I informed them it was n't me and the charge was made in another state. Each person I spoke to told me something different. They did not resolve this problem and I am still receiving calls from this company. It is also showing on my credit report that I am over my limit. I am totally disgusted with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SELF / LEAD XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX UTILITY SELF-REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent letters due to inconsistencies and inaccurate information reporting on my account. I specifically requested for any accounts that were not reporting 100 % accurate to be deleted. I sent a description of each account and the item that was reporting incorrectly. To my surprise, when I reviewed my credit report again on XXXX, the incorrect items were continued to reflect on my credit report nor has anything on my credit report been updated to reflect the correction. I sent letters again on XXXX informing you that I had yet to receive a response informing me that these items were being investigated, updated or deleted. Since then, I continued to send letters to the bureau as well as the creditor requesting validation and proof that this information was reporting correctly, but nothing has been resolved or updated to date. This has been an ongoing issues. I just pulled my report again and it is now XX/XX/2023 and these errors are STILL showing on my credit report. This is a violation of my rights as a consumer and my concerns are not being addressed. The creditors do not have authorization to access the account nor authorization to attempt to collect on the account and the inaccurately reporting accounts continue to negatively affect me. Please remove the following accounts from my credit profile. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). The information provided is NOT correct which goes against the FCRA.
Product: Credit reporting or other personal consumer reports

I have all documentation proving that I have not had any late payments. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604 a section 2 ) also state a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

On XX/XX/year>, I received an email from my bank saying my account would be closed due to inactivity, and that no action was needed on my part if I wanted the account closed. Since I wanted the account closed, I was fine with this and didn't take any action. Instead of closing the account like they stated they would, starting XX/XX/year>, the bank began charging me a $ XXXX monthly maintenance fee, which I had never been charged prior. 

email and charges attached.
Product: Checking or savings account

On XX/XX/2019 - I opened a checking and savings account after seeing a Citi promotion. 

On XX/XX/2019 - I was charged a {$14.00} for ACH Electronic Debit - XXXX  XXXX   RETRY PYMT on the day I opened the account On XX/XX/2019 - I was charged a {$48.00} overdraft fee On XX/XX/2019 - I contacted Citi and I was able to get the {$14.00} and {$48.00} fees reversed, but there was no explanation where the XXXX  XXXX RETRY   PYMT originated from which caused the fees. This was on Citi 's end as I had not receive a debit card nor the welcome packet yet. 

On XX/XX/2019 - I transferred {$15000.00} into the checking account On XX/XX/2019 - I transferred {$500.00} into the savings account On XX/XX/2019 - I was charged a $ XXXX monthly fee. I had maintained an average daily balance of well over {$10000.00} so the fee surprised me. 

On XX/XX/2019 - I contacted Citi and they said the charge was due to the accounts not being linked. I assume the accounts being linked is the norm since you can transfer money between them, but apparenty it is not. I was assured by XXXX at XXXX, XX/XX/XXXX : " I can assure you that you will not be charged moving forward for as long as the account is able to maintain the fee. '' On XX/XX/2019 - I was charged a $ XXXX   monthly fee. Once again, I had maintained an average daily balance of well over {$10000.00} as the balance of the accounts had stayed relatively the same since opening. 

On XX/XX/2019 - I contacted Citi about the fee and was told by XXXX at XXXX, " I have re-aligned the linking of the account, XXXX. This will be effective XX/XX/19. '' She said she could not reverse the fee though even though it was Citi 's fault stating, " As of the moment, we're unable to reverse the fee since it is a valid charge based on the terms of your account and due to the recent fee reversal made on the account for the past 540 calendar days. '' My complaints are as follows : - In XX/XX/XXXX on the day of the account opening Citi overdrew my account causing {$14.00} and {$48.00} fees which were waived. The cause was Citi bank overdrawing my acccount on the day the accounts were opened and not me. How I can I overdraw an account when I do not have my card or information yet? 
- In XX/XX/XXXXI was charged a {$25.00} fee, but I was unable to get the {$25.00} reversed because I already had a fee reversed in XX/XX/XXXX ( which was caused by Citi ). The Citi employee assured me the accounts were linked I would not incur another fee. 
- In XX/XX/XXXX I was once again charged a {$25.00} fee even though a Citi employee assured me the accounts had been linked and I would not incur another {$25.00} fee. This was Citi 's fault once again.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

Upon reviewing my credit report, I have discovered certain inaccuracies in the following item ( s ) : 1. The following account is not mine XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Other information I would like changed XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your Investigation and corrections.

Your cooperation and prompt attention are greatly appreciated. 



Best Regards, XXXX XXXX
Product: Credit card or prepaid card

I am trying to do several things, but online chat can't help, no online message center, and calling Citi billing XXXX when I don't know my old credit card number leads to Citi automatically hanging up on me. 

I replaced my old Citi card XXXX with a new one XXXX. I need information about recent purchases on the old XXXX card. Citi does not provide that information in a pdf format and I can't access the XXXX or XXXX formats on my computer. 

I want to : - pdf file of everything on my old XXXX card, so I can see why I owe XXXX - re-dispute the XXXX charge from XXXX. This dispute was resolved in XXXX 's favor - this is WRONG. 
- Was there a recent charge of XXXX, and if so, was the entire XXXX reversed, or was XXXX of it reversed?
Product: Money transfer, virtual currency, or money service

At Kraken Exchange, on XX/XX/20, early AM, I opened a 6 XXXX  long position ( 2x leverage ) at {$18000.00}, with a stop-loss at {$17000.00}. At XXXX when XXXX was trading up around $ XXXX {$19000.00} and the buy-sell volume increased on the platform, my position was liquidated at {$17000.00} and - {$9500.00} was deducted from my account. A position that should have been up a few thousand dollars at the time was liquidated. They claim that they had a candle wick go all the was down to {$16000.00} at XXXX, meanwhile the candle body was $ XXXX {$19000.00}. The exchange was that illiquid and couldn't handle all the orders so my position was stopped out at {$17000.00}. XXXX and XXXX US didn't have this {$16000.00} XXXXXX/XX/XXXX, only Kraken. 
Kraken offered me double the amount of the loss in XXXX credits to be used only for trading fees. I said no thankyou. They refused to refund my {$9500.00}. I have since requested my account to be closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 is inaccurate.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non- complying with the FCRA . Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( XXXX ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Received unsolicited " preapproved '' loan offer via direct mail for {$25000.00} loan at " rate as low as XXXX  % '' ( in the fine print it states the rate could be as high as XXXX  % ). 
It clearly states " preapproved '' ( NOT " pre-qualified ). I used the QR code accept the offer if satisfied with the interest rate and other terms. They immediately robocalled me and the call was joined by a rep identifying himself as XXXX. He was slippery and shady and avoided giving direct answers to direct questions. He asked lots of irrelevant questions and I patiently answered, though I did a couple times mention it was unneccessary. After a long time I did insist on knowing the interest rate, at which time XXXX became beligerent, let out an outburst, and hung up. 
I called the number on the mailing, XXXX and spoke with XXXX XXXX. He explained that due to my credit score -- both reps said it was XXXX or XXXX -- all they would offer me is some kind of debt consolidation negotiation or something but definitely not a loan. I noted that the mailing indicated they already knew my credit score when they sent me the FAKE preapproved loan offer. He denied knowledge of the offer descreibed in the mailing, but asked when I received it. I told him the mailing says the preapproved loan offer expires XXXX XX/XX/year>. I asked for the company 's main physical address. He gave : Americor Finance XXXX XXXX XXXX XXXX, XXXX, CA XXXX. He said that XXXX XXXX XXXX is really just.a dba.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my credit since XXXX this year and I have sent mail to the TransUnion, and TransUnion mailed me letters stating I was a credit repair agency and could not resolve the issue. I have been in the dark about my personal credit since XXXX XXXX, XXXX. I have not heard anything and they have violated my rights. I need these negative items removed from my credit report. They have violated my legal rights! It has been well over 60 days with no communication via mail, or email. 

Accounts listed below & Dates of letters sent on XX/XX/XXXX, and XX/XX/XXXX : XXXX. XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. XXXX / XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim od identity theft. My information was used to open an account with XXXX. I have not authorized this account nor have I received any benefits from it. 
As soon as I found out about it, I contacted the XXXX  and Experian and requested that they promptly block the information from appearing on my credit files. 
Instead of blocking the information, they just opened an investigation which did not produce any results. As of today, the account still appears on my credit file. 
This affects my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against EQUIFAX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, EQUIFAX consistently responds within XXXX hours, stating that the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, EQUIFAX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure EQUIFAX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked inaccurate : XXXX XXXX, XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

account number XXXXXXXX XXXX XXXX XXXX XXXX  out thru XXXX XXXX in XXXX ga. Car was then stolen taken to XXXX. Reported it stolen thru business insurance. XXXX XXXXXXXX  and gap then agreed to make payment on the car and write it for total loss. But ima get more details from XXXX bc she handled everything with her cousin who has the business Document attached with all supporting information!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
*XXXX XXXX XXXX XXXX  Acct # XXXX ** XXXX XXXX XXXX XXXX # XXXX ** XXXX XXXX Acct # XXXX ** XXXX XXXX XXXX Acct # XXXX ** XXXX XXXX XXXX Acct # XXXX ** XXXX XXXX Acct # XXXX ... 

15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 student loan account : XXXX that Experian is reporting as included in a bankruptcy, closed and a late payment XX/XX/2021 ( showing on both ) I spoke with XXXX XXXX and they stated that I should dispute it and it would be updated I dispute twice and Experian never updated. During this pandemic student loans were forbearance and should have never been reported as negative. I want these accounts updated to reflect the correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 is inaccurate.
Product: Checking or savings account

My name is XXXX XXXX, I bank with Bank of America. My father sent me a XXXX transfer of {$100.00} on XX/XX/2019 to cover all the transaction for that date. I received a confirmation text that the account will be credited. I checked my account today ( XX/XX/2019 ) its not credited. I incurred overdraft fees because of this. I called bank of america, the representative said its a bank error that they did not get the funds. He said it will take 3 to 5 business days. But XXXX is instant and my father sent me money before through XXXX. I did not received ant email or text that the funds will be delayed. What I received is a text confirming the XXXX transfer. Usually whenever i received a confirmation text the funds is there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report on XX/XX/XXXX, I observed unauthorized hard inquirys on my credit report with XXXX, XXXX and XXXX from a unknown companies such as XXXX XXXX XX/XX/XXXX, Regions and XXXX  XXXX XXXX XXXX XXXX. These hard inquirys was not authorized by me and was done without my consent. I have been a victim of fraud a while back and periodically check my credit report. I am requesting for these companies/ creditor to remove any inquiries associated with these companys above from my credit report. Attached is document showing that is on my credit report from all 3 credit bureaus and is damaging my credit. I have no service with them, havent applied for any service with them nor have any obligation as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquires were added to my credit which I did not authorize from multiple companies. The following inquires listed I did not authorize are from XXXX XXXX  XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX XXXX on XX/XX/XXXX.
Product: Checking or savings account

I paid my XXXX XXXX account twice for {$440.00} on XX/XX/2020. Once by Bank of America business account bill pay and once by new automatic pay by Bank of America visa debit card. I received back from XXXX duplicate payment {$440.00} credit. I put claim on BofA debit card transaction {$440.00} because of double payment. I later released claim on debit card transaction for XXXX to get payment. XXXX does not ask for payment twice. Bank of America does not return funds after claim was stopped. Visa still has funds that are in limbo not collected by XXXX except on a new auto debit card transaction and BofA will not give the funds back. I want my {$440.00} returned to my business checking account so I can finally pay my XXXX bill.