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

I am filing this report to dispute several negative accounts on my credit report that I am unaware of and did not authorize. I believe these accounts have been reported in violation of my rights under federal law, and I am requesting their immediate removal. 

Firstly, under 15 U.S.C. 1681s-2, creditors are required to report accurate information to the credit bureaus. However, these accounts contain inaccuracies and have been reported without my knowledge or consent. As such, the creditors have failed to meet their legal obligations under this statute. 

Additionally, 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) mandates that debt collectors must provide proper validation of a debt upon request, including a complete payment history and proof of my signature on any contractual agreements. I have never received such validation, and I believe that these debts are not mine. As these accounts were not properly validated, any continued reporting is unlawful, and they must be removed. 

Furthermore, 15 U.S.C. 6802 of the Gramm-Leach-Bliley Act requires financial institutions to obtain my explicit consent before sharing my personal financial information with third parties. I never received notice or an opportunity to opt out of such sharing, which has resulted in these unauthorized accounts being reported to the credit bureaus. This constitutes a breach of my privacy rights, and I demand that these accounts be deleted immediately. 

Lastly, under 15 U.S.C. 1681c-2, if an account is the result of identity theft, it must be blocked from my credit report. Given that I am unaware of these debts and did not authorize them, I believe identity theft may have occurred, and I request the removal of these accounts. 

In light of these violations, I respectfully request that these accounts be removed from my credit report immediately. Please provide verification of my signature on these accounts, or delete them in accordance with the laws mentioned above.
Product: Checking or savings account

a scam was conducted. international scam IT WAS REPORTED to FTC. BB & t would not refund the scam amount -BB & t refunded overdraft fees as a courtesy however would not consider the remainder of negative account remaining. BB & t left the account in the negative to accumulate " negative balance fees '' per day. BB & t is making monies off of a fraud situation. BB & T SHOULD have refunded the monies as well as the overdraft fees INSTEAD of leaving a negative balance to accumulate " negative balance fees ''. This account contained a small amount and NO OVERDRAFT ACTIONS should have been approved. I am a XXXX of the XXXX XXXX XXXX XXXX XXXXXXXX. This type of money making issue is unacceptable. Please look into this money making issue.
Product: Checking or savings account

I disputed 2 charges on my account. The 1st one was accepted then a few days later it was rejected. I called customer service & was told I had to go into the branch to show my proof. I did exactly as I was told & after being given the run around I talk to a personal banker by the name of XXXX who was not any help at all. I called again the next day & spoke to XXXX XXXX, the branch Manager who took all of my information, said he would investigate his self & call me back. After 4 hours, I called back & spoke to XXXX who said, didnt I give you this information yesterday? To which I replied that she in fact did & that I wasnt satisfied with her help. She laughed & said ok. I then spoke to another XXXX, XXXX I believe his name was who mocked my tone & spoke to me in a very condescending tone. After spending the whole day going back & forth, I gave up & decided to go about this issue another way.
Product: Credit reporting

I went to XXXX on XXXX/XXXX/15 and applied for a store credit card. I was unable to get XXXX. Today XXXX/XXXX/15 I tried to call the number XXXX gave to get the problem resolved but again after putting in my social and DOB it would n't allow access. I then tried to get my free annual report from the website XXXX to see if my information was right but again after putting all my info in there were problems. After multiple tries XXXX site asked me questions about mortgages, credit cards and bank accounts that were started several years back that I never had any involvement in those start ups. Majority of questions are things that require you to be XXXX which at the years they said things we 're opened I was under the age if XXXX.
Product: Vehicle loan or lease

On XX/XX/XXXX, I informed the finance company ; XXXX XXXX that I was refinancing my home and that they would pay off the remaining balance of the vehicle. In XX/XX/XXXX, XXXX finally responded and sent me the wrong payoff balance for the XXXX XXXX. The title company tried repeatedly to get the correct balance to no avail. Finally, I XX/XX/XXXX, the title company sent me a hard paper check in the wrong payoff amount to which i sent to XXXX XXXXl, since the amount was wrong, I still owed a small balance and I paid that off in XX/XX/XXXX. In the meantime, XXXX marked me late 30 days for the month of XX/XX/XXXX, reported the late to the credit bureaus, then marked the account paid in full in XX/XX/XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name CONN XXXX XXXX Date of request XX/XX/2021 I have an inquiry on my credit report for an activity that was not initiated by me. Conn 's XXXX called me to say that they suspected fraud and to confirm if the application actually came from me. They verified that certain things on the application did not match my info and said they would mark it as fraud and not report an inquiry on my credit report. But when I pulled my credit they did report hard inquiries on my credit reports. According to Conn 's Someone went online and tried to order a laptop from them.
Product: Credit card or prepaid card

I walked into Old Navy in XXXX RI and was offered a store card from the Sr. Team Lead. She rang up my items and offered me 52 % off my entire order stating I would save roughly {$50.00}. I proceeded to ask questions about the credit cards interest rate in which she did not know. I agreed because the offer would save me quite a bit of money. After signing for the card she rang out my purchase. I asked her how much I saved in excitement of the deal. She did not respond with the savings total, but instead proceeded to tell me the items I saved on. After I got home I noticed that I had not received {$50.00} off my entire order, but only a select few items. This practice is misleading and to say the people responsible are unaware of what the card entails and how its promotional values work is extremely fraudulent. I have contacted both the store manager and the 800 number with no success in rectifying this situation. It scares me to think that someone with such little knowledge should be handling peoples credit. I am looking for a GM to reach out and handle this situation immediately.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
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: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of accounts below have violated my Federally Protected Consumer Rights of privacy and confidentiality under 15 U.S.C. 1681. XXXX XXXX XXXX acct . # XXXX and US Department of Education acct. # XXXX. Also, US Department of Education acct. # XXXXhave violated my rights. 15 U.S.C. 1681 section 602A States I have the right to privacy.

15 U.S.C. 1681 section 604A It also states a consumer reporting agency can not furnish an 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. 1682s-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, credit repair services, or other personal consumer reports

Experian is in violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general ( f ) ( g ) ... ..conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day In addition, Experian is violating my rights as a US Citizen according to 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my XXXX XXXX XXXX. I choose to opt-out of your disclosing future information until further notice including the and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX I am XXXX XXXX XXXX XXXX. I currently live at XXXX XXXX XXXX XXXX OH XXXX. 
the following addresses are not mine : XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following number are not mine please delete remove : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit card

The beginning of XXXX I received a letter saying I was pre- approved for a millstone bank credit card and like 5 days later I received a card meanwhile I had never gave them authorization to run my credit and let alone sign up for a credit card with a {$700.00} limit that they want a {$170.00} dollar annual fee who on earth would sign up for that as soon as I saw the interest rate and annual fee I backed out of the website and now they are telling me you might as well just pay the {$170.00} because your credit score is going to go way down Ive been killing myself to fix my credit and one shady credit card company can wreck that by lying and cheating hard working people something has to be done about this to protect people from these shady credit card companies I shouldve knew better there name is already changed now its called concora credit stay away
Product: Checking or savings account

I opened a business checking & money market savings account at a U.S. Bank branch in XXXX XXXX, CA onXX/XX/2019 with an advertised promotion for {$400.00}. The terms stated that I must deposit {$5000.00} within 30 days of account opening and that the {$400.00} bonus would be deposited into my account within 45 days of this event. I deposited the {$5000.00} minimum on XX/XX/19. The 45 days would be XX/XX/19 and the deposit still had not been credited to my account. I called the branch and they assured me that I had met the terms and the deposit would by seen in my account the following week. After waiting a week, I did not see any activity, so I called again, and they assured me it would then be credited the following week. Finally, I went into the branch where I opened the accounts on XX/XX/19 and sat with a banker to explain the situation. They said it looks like I met the terms, but it could take another 8 weeks to look into it. It seems they are giving me the run around, and do not plan on following their own terms.
Product: Student loan

Several loans that were serviced by ECMC during the loan rehab period had incorrect loan balances and interest rates therefore I was overcharged. For example, ECMC calculated 2 loans based on the orig. principal of {$3500.00} and fixed interest of 6.80 %. However, orig. principal amt should be {$1600.00} due to a portion of the loan having been cancelled / never disbursed by the lender. Additionally, 2 of the loans has a fixed rate of 4.50 % - yet they charged me at 6.80 % on each. Another loan has a fixed rate of 5.75 %, ECMC charged me 6.00 %. Yet another loan has a fixed rate of 6.55 %, again they charged 6.80 %. There were several loans mishandled in this manner and as a result there was interest calculated that should not have been and payments misapplied as a result. I advised them of their mistake on several occasions, most recently on XX/XX/XXXX, but they have refused to fix the info on file or advise HOW they plan to rectify it. ECMC also did not report payments made by me on this loan while it was handled by them ( years XX/XX/XXXX through XX/XX/XXXX ) and at the time they transferred my loans to XXXX XXXX. ECMC also reported the wrong loan info on my credit report during the years XX/XX/XXXX through XX/XX/XXXX. ECMA also failed to report to the Dept. of Education that they received an IRS offset in the amount of {$5200.00} during that same time period.
Product: Payday loan, title loan, personal loan, or advance loan

I was denied a loan of XXXX dollars on XXXX XXXX XXXX  XXXX  for rent I was getting paid Friday I informed them I didn't need it Friday I needed it wednesday they said sorry we can't I said ok bye I got the money I needed later that morning.
Product: Credit card or prepaid card

On XX/XX/2018 it was brought to my attention that there was accounts for credit cards from capital one and XXXX XXXX with all my information Accounts I couldn't even access cause I didn't know anything about it. Someone had use my identity to open these accounts and was making charges with these credit cards.
Product: Checking or savings account

I transferred my Robinhood brokerage account that I had for 3 years to XXXX XXXX XXXX   account via ACATS brokerage transfer process. Robinhood sold some of my stocks to liquidate it and the account is in restricted mode. When I try to withdraw my settled money in the account ( more than {$1500.00} ) they throw your account is deactivated message. I reached out to Robinhood support on XX/XX/XXXX, XX/XX/XXXX more than 5 support messages but no response yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to delete some of the information in my credit file ; however, there are still other items that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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 XX/XX/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 XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt or credit management

I sent a letter to Synchrony Bank concerning my XXXX XXXX XXXX XXXX account XXXX in XXXX about 4 months ago, asking to invoke my credit security. I apologize for not knowing the exact date, I have been diagnosed with XXXX, my wife with stage XXXX XXXX XXXX, we have been affected with XXXX XXXX and everything just seems to swim before me. I have had payments returned, and I have tried to be more diligent, but I am XXXX XXXX XXXX and things are just falling apart.
Product: Credit card

Citibank simplicity credit card. I did several balance transfers. I called and asked the question more than once what gets paid first. Two times I was told the balance transfer that expires first got paid first. I transferred a balance that had an APR of 1.99 % and wouldnt expire until XX/XX/XXXX. I was making 10 times the minimum payment. They started applying that money toward the balance transfer that would expire last. So I expressed the fact that I was told what expired first would be paid first and that they applied the money incorrectly. I talked to XXXX on XX/XX/XXXX and ask the question what gets paid first and was told any payment goes toward the balance that expires first. I also talked to XXXX on XX/XX/XXXX and asked the very same question and was told the very same thing. I am a XXXX XXXX on XXXX. I had everything down to a science so it would be paid off and I would not have to pay the ridiculous interest that they charge. Because they applied the money incorrectly, I had to take money out of my savings account and pay off the balance with the APR. Now I am left scrambling to pay the rest of the money owed before XX/XX/XXXX of this year. They were supposed to get back to me and they didnt. So I called again today and talked to a lady named XXXX in the executive office who I had spoken with previously. She informed me that due to the credit card act of XXXX, the payments have to be applied to the balance with the highest APR. There was no explanation why I was told incorrectly or any offer to help me out in anyway. I feel like this is deceptive to say the least and I am having to suffer because they told me the wrong thing twice. So I would like to file a formal complaint against Citibank for giving me false information. And making me suffer financially because of giving me incorrect information. I had to take what little I have in my savings account and pay off the balance transfer that expired last or they wouldve just kept applying the money to the wrong balance transfer according to what I was told. To add insult to injury, the present statement I received shows that I still owe {$230.00} and change to the balance and at least that its the one that I paid off at 1.99 % interest. So I called again and XXXX said their system shows XXXX balance. My statement shows that there is still an arbitrary amount owed so she said I have to wait till I get the next statement and it should show XXXX. It should show XXXX now as I paid it off!! So my fear is that when I make another payment, it will go toward that arbitrary amount that shows me still owing when I dont owe anything on that balance transfer.
Product: Credit card or prepaid card

I had a credit card with Citibank and in XXXX they decided not to renew my card based on my use of a credit reduction program that I was in many years ago, before I even had a card with them, did not involve their this card and without me ever missing or late on a single payment at any time. But this is not what my complaint is. The problem I have is that I earn rewards by using this card and had accumulated {$400.00} in XXXX reward money over the course of the prior year and they have refused to pay out this reward based on my account being closed which I did not ask for and it was forcefully closed by them! These rewards were earned BY ME based on the promotion they offered to pay cash back on credit used on their card. I strongly believe I am due these rewards and upon calling them and speaking to multiple managers I was denied these rewards regardless
Product: Credit card or prepaid card

I have been on time with my payments to Discover CC. I have requested numerous times if my APR can be lowered since I am a good customer, and I ALWAYS hear " we are unable to lower your APR at this time. '' The reason being?! Who knows?! It isn't because I pay late, because I don't. I haven't missed a payment. 

They keep it high because they can. I haven't used this CC since the beginning of the year. How are we supposed to be able to pay off balances when the APR charge is nearly as much as your monthly payment, which is over {$200.00} a month?! *My monthly payment has been around {$220.00}, and the total in interest fees they take is approx {$160.00}!! I'm shelling out to these people over {$200.00} a month and only a quarter of that ... {$56.00} ... is even touching my balance. 

All I'm asking is for a lower APR so my family has a chance to pay this debt off as I'm making faithful payments monthly. 

I think this is thievery and it should be stopped.
Product: Checking or savings account

I alerted Regions I was going to be traveling and one of the cities I was in Was XXXX ( XXXX ) XXXX and several thousand dollars worth of fraud in the form of overcharging was done on my debit card approximately $ 5,000- {$6000.00} worth of fraud. Regions admitted they did not have my signature on file nor did my debit card require a pin and I told them they were negligent in managing my funds because had a pincode been required, or a signature, some type of fraud alert or call I could have caught these transactions sooner. I was ripped off and overcharged, I have recorded conversations from regions admitting they messed up by not requiring a pin on my debit card because these transactions were processed as debit transactions and not credit had they been processed as credit they still admitted they do not have my signature on file. I told them to get videos, itemized receipt etc to see where the items purchased on my card were sent etc. They processed over {$5000.00} in transactions in one day and I have never spent that time of money in a month! I'm very upset that this did not send off alarm bells to their fraud department and I'm more upset with their lack of serious investigation! Everyone in banking knows former XXXX XXXX are known for bank fraud and the fact I have never spent $ XXXX- {$6000.00} in a month let a loan a day in XXXX should have been flagged immediately especially when no signature or pincode was required!! I want my money back and Regions needs to be fined for having a XXXX fraud department and being negligent in managing peoples funds.