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

this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor XXXX from any of the following account. XXXX and remove them.
Product: Bank account or service

I had a CD at the Bank of America in XXXX XXXX, NV along with a savings and a checking account and a safe deposit box. The CD was due in XX/XX/XXXX but I needed the cash for personal reasons. On XX/XX/XXXX when I requested closing the CD, withdrawing the money ( paying the small penalty involved ), the woman bank official talked me into taking only what I actually needed and leave the remaining sum to maturity. She did not tell me I would have to pay a bank fee because the amount required to retain the accounts had dropped below their required minimum. I found out by going on line to view my accounts on XX/XX/XXXX the bank had deducted {$25.00} from my checking account. I went to the bank immediately, very upset they stole this money from me. The woman said those were the rules and no one at that branch could reverse the fee charge. I said they had every obligation to inform me of my options plus chances of fees being taken from my account when I requested to cancel the CD. So, instead of doing what I wanted to do which was withdraw the total amount, pay the necessary penalties and close the other accounts on XX/XX/XXXX, she convinced me to only take what I needed, kept me as a bank client and was able to charge me a {$25.00} fee with no notice this was going to happen to me. I feel this method she used is illegal and that {$25.00} was stolen from me. The bank has no right to take this money without informing me of my rights. I request Bank of America reimburse the {$25.00} to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY DISPUTE LETTERS DISREGARDED, NOT TAKING MY DISPUTE SERIOUSLY, ASKING FOR THE SAME INFORMATION AGAIN INCORRECT AND UNVERIFIED LATE PAYMENTS ON ACCOUNTS UNAUTHORIZED CREDIT INQUIRIES LETTERS ATTACHED
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has violated my consumer law rights my civil rights I have requested over 10 times for items to be properly investigated. They have refused to investigate these items and provide me with documentation and paperwork with their investigation details I have mailed attached to company certified and request that they complete a thorough investigation as requested in the letter attached.
Product: Credit card or prepaid card

*Upgrade does not allow consumers to see scheduled payments on their website or in the app. The emails sent advising of the scheduled payment is the only record you, as a consumer, have. 

*Say you schedule a payment for XXXX for a week from now. The email will state you scheduled a payment, however, if you have multiple accounts, the email does not specify to which account the scheduled payment was made. 

XXXX went through multiple customer service reps and even management. I was told that not having access to scheduled payments is commonplace. In my experience, every credit card and/or loan I've ever had allows you to both view and edit them. 

*They each advised me that people call in all the time about double payments and become upset if they didn't remember scheduling it before it posts and it causes them to be overdrawn with their bank. And they just tell them to follow their emails. 

*There, at present, is no plan to initiate a change to help cardholders with this. 

*Another concern, you log in and see your monthly payment. If you make that amount or even triple that amount, you will still have an amount due for the upcoming due date. 

*I have been advised ( by customer service and management ) that customer service can see, edit and/or cancel scheduled payments and you 'just have to call them '. 

*I have been told there are 2 reasons for this. 1 ) it is a known system glitch and I need to call back every time to have it sent to tech support to correct and 2 ) that because I am not paying 'on the due date ', the payment isn't being applied to the monthly payment but to the balance...??? 

Also, while a unique and helpful feature, you can have a 'hybrid ' account. 

It is an account that allows you to take a cash advance but treats it like a loan while using other portions of your credit limit as credit card charges. 

The confusion with this, the apr and the way your payments are applied for each way you use your credit line are different. 

*And, in my case, 80 % of my credit line was utilized as a 'loan ' at a fixed payment rate. I used 15 % as a credit card. My monthly payment is never the same now and seems to increase every month. 

They have an email option for customer service but no matter what I have asked through this feature, the response is 'you have to call for anything related to your credit account '.

*Calling in every time, as you may imagine, is time consuming and it is incredibly frustrating to get this response from an option provided to save time, because every question from technical support to how monthly payments are calculated is about your credit account. 

Overall, while it is relatively easy to be approved, this card/loan company is the most 'non-consumer friendly ' company I have ever worked with. 

I never receive the same explanation for an existing issue when I contact Upgrade, with the exception of the response given by the email campaign.
Product: Credit reporting or other personal consumer reports

According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. XXXX XXXXXXXX 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

I am writing to express my extreme dissatisfaction and frustration regarding the ongoing issue of fraudulent items on my account. Despite my repeated efforts and numerous attempts to rectify this situation, I am dismayed to inform you that the problem persists, with a fifth attempt to remove the fraudulent items being made recently. 

As I have previously reported, my account has been subjected to unauthorized transactions and fraudulent activities. Each time I have contacted your customer service department to address this matter, I have been assured that corrective action would be taken promptly. However, despite these assurances, the fraudulent items continue to appear on my account statement, causing me significant stress, inconvenience, and financial strain. 

I demand immediate and decisive action to thoroughly investigate these fraudulent transactions and ensure their complete removal from my account. Additionally, I expect transparent communication regarding the steps being taken to prevent similar occurrences in the future. 

Furthermore, I urge you to provide appropriate compensation for the considerable inconvenience, stress, and financial harm caused by these fraudulent activities and the repeated failure to resolve the issue satisfactorily. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$7600.00} XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX : {$7600.00}.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, 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 ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IC Systems refuses to remove even after dispute very old collection items and has re-upped the date to make it recent. The XXXX  account is more than 10 years old.
Product: Vehicle loan or lease

On XX/XX/XXXX, I went to purchase a used vehicle from XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, WI XXXX. I ended up financing a XXXX XXXX XXXX XXXX with balance to finance XXXX. The car came with a 4 year warranty but since I got the car there's been nothing but problems. A little over a year I went to another dealership to upgrade my vehicle but when the dealer asked for a payoff on my vehicle that's when the issue was brought to my attention. The payoff should have been a lot less than what they told the dealer and it was brought to my attention on my paperwork from my vehicle the interest rate was never included on the paperwork. I believe I was taken advantage of my situation at the time and since then I've been unnecessarily paying more than I should along with getting a vehicle that's unreliable adding unnecessary stress in my life.
Product: Mortgage

We paid off our loan on XXXX/XXXX/16. They held on to our escrow money until supposedly disbursing it on XXXX/XXXX/16. It 's now 24 days since disbursement date and 42 days since paying off the loan and we still have n't received any funds. This should have been part of the settlement of the pay of the loan, not something where they hold on to my money for months after paying them off. I 've reached out to them 7 times now. I receive no communication back from them. The only time I got a hold of them, they told me to wait another week and I should get it. That was on XXXX/XXXX/16! It 's now XXXX/XXXX/16!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint against XXXX, XXXX, and Equifax regarding their failure to remove fraudulent accounts from my credit report. I have been a victim of identity fraud, as evidenced by the attached police report. I discovered the fraudulent accounts Early this Year in XX/XX/2023 when I attempted to apply to purchase a home and discovered all these fraudulent accounts. I have made multiple attempts to dispute them with the credit bureaus, but they have failed to remove them. 

I believe that the credit bureaus ' inaction is a violation of the Fair Credit Reporting Act ( FCRA ), which is designed to ensure fair and accurate reporting of consumer credit information. The FCRA mandates that credit bureaus conduct a reasonable investigation into disputed accounts and remove any information found to be inaccurate or resulting from identity theft. 

Despite my diligent efforts to dispute the fraudulent accounts directly with the credit bureaus, they have not conducted a thorough investigation nor taken appropriate action to remove the inaccurate information. This failure to act has had a significant negative impact on my creditworthiness and financial well-being. 

Attached to this complaint are the following pieces of evidence : A copy of the police report detailing the identity fraud incident. 
A comprehensive list of the fraudulent accounts still appearing on my credit report, including their account names, numbers, and dates of opening. 
Correspondence with the credit bureaus, demonstrating my previous attempts to resolve this matter without success. 
I firmly believe that my consumer rights have been violated due to the credit bureaus ' negligence and non-compliance with the FCRA. I request that the CFPB investigates this matter thoroughly and takes appropriate action against the credit bureaus to rectify the violation of my consumer rights. 

To resolve this issue, I seek the following outcomes : The immediate removal of all fraudulent accounts from my credit report. 
Correction of my credit information to reflect the accurate and untainted status of my creditworthiness. 
Any additional remedies or actions deemed necessary by the CFPB to ensure full compliance with the FCRA and protect consumers ' rights. 

I would appreciate a prompt response from the CFPB regarding the initiation of an investigation into this matter. I trust that you will take appropriate action to address this violation and help resolve my complaint. 

Thank you for your attention to this urgent matter.
Product: Bank account or service

I wrote a check for {$270.00}, but WellsFargo gave the payee {$470.00}, taking {$200.00} extra from my account and additing {$35.00} fee. The extra {$200.00} was set a side by me for gas and food the rest of the week. WellsFargo said they ca n't do anything for 10 business days until they " investigate '', there 's nothing to investigate!!! The check clearly shows {$270.00}, WellsFargo said it was their mistake, but maybe the payee made the mistake of the extra {$200.00}??? How is my account protected, no numbers or letter were altered on the check.
Product: Credit reporting or other personal consumer reports

I did not authorize the six hard inquiries on my XXXX credit report. The six hard inquiries are XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX. I called XXXX today notifying them of these unauthorized hard inquiries and they flagged them and have me a complaint number as well XXXX. They than told me to file a complaint with the cfpb as now I am notifying you to investigate this.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Inquiry Date XXXX. XXXX, XXXX ; XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the Fair Credit Reporting Act XXXX account # XXXX 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, also states that consumer reporting agencies can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and I'm submitting this complaint myself, and there is NO THIRD PARTY INVOLVED. I, XXXX XXXX, consumer and natural person, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the authority to decline or rescind but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. There's an account from XXXX XXXX XXXX XXXX XXXX reporting on my consumer report that is pass the 7 year mark. I understand that after 7 years, that any delinquent or derogatory account must be removed from a consumer 's credit report. I receive no benefit whatsoever for this account to still be reporting on my consumer report. Pursuant to 15 USC 1681 ( a ) ( 4 ), this is an invasion of my privacy.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX Balance : {$64.00} XXXX XXXXXXXX XXXX Balance : {$53.00} XXXX XXXX Balance : {$19.00}
Product: Credit card or prepaid card

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Todays Date : XX/XX/XXXX CHASE CARD Closed : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In  general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires  such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXXf California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention fraudulent personal information associated with my identity. Certain accounts and transactions have been incorrectly attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my XXXX XXXX and personal reputation. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Product: Credit card

Our company has been using XXXX XXXX Mastercard for about a year. 
It was attractive to our company because it allowed us to use the card at select Big Box Stores ( XXXX, XXXX.. ) XXXX there was an internal change, customer service was moved to XXXX and during this change we were unable to view our invoices. Called several time to explain that the invoices were not available. They assured me that during this transition we would not be shut off. They also assured me that we would not be responsible for late fees or interest during this transition. Well we were shut off and were forced to pay the late/interest fees to get it turned back on. I explained that we were unable to make online payments and they said they were working on it. Also explained that all charges from big box store were not broken down, no description was given as to the hundreds of dollars spent. Again they reassured me that the IT department is working on this. We have decided to move our business to another company, as we feel it is unfair that we are promised one thing from customer service and then told another after we have been shut off. 
Informed supervisor XXXX of all the false promises, she said her hands are tied. 
Must make payment including late fees/interest for invoices that are incomplete and unable to make payment online. 
Used to be a good company gas card, now that it moved to XXXX it has been a disaster. 
WOULD NOT RECOMMEND THIS GAS CARD. 

They explained there was trouble with the
Product: Credit reporting or other personal consumer reports

Do too covid a new payment agreement was made do too do everything closing down. A lump some of money was paid over XXXX dollars is what they ask for too make the agreement of paying XXXX dollars a month. The company verbal agreed too this dollar amount and I ask for this Agreement too also be sent by mail. They did not do so the payments has been paid on time every month and there still reporting all payments late. From XXXX until now of XXXX I have requested over and over for them too change they refused too and said the payment is still late! If there is agreement of change of payment I asked how are the payments late you are getting paid every month on time and the payments are on automatic withdrawal how can it be late the whole world was shut down and the payments was still being paid do too hard ship not working they agreed upon XXXX dollars a month and no payments have been missed According too code 1666b and code s1006,18 is a violation I have reported this info too credit agencies about this and I was told the information was correct well I have information that shows different not only that they reported the information late every month they also tack on late fees as wellso not only they reported the payments late every month they also add on extra fees for late payments I have called the company about this more than once and they refuse too report the correct information this has effect my way of living as well reporting false information