23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Walgreens XX/XX/XXXX I called Walgreens/Synchrony bank to report fraud. XXXX XXXX about XXXX in the amt of {$110.00}, plus late charges, and XXXX charges. Was told my XXXX XXXX would update and receive a new card in the mail XXXX to XXXX  days. On XX/XX/XXXX I called again cause I received a statement that still had all the charges on them. XXXX XXXX XXXX XXXX transferred to XXXX in XXXX XXXX XXXX XXXX was told I owed nothing and she would expedite a card as soon as matter was resolved. XX/XX/XXXX called again as this is still on Credit Report. I XXXX  XXXXXXXX then XXXX to XXXX in XXXX XXXX XXXX XXXX they sent a letter & new card on XX/XX/XXXX stating I was not at fault for charges. Have not received anything as of today XXXX XXXX waived XXXX late charges and interest. I supposedly have a {$0.00} balance. She was sending a request to open my acct again. but no guarantee this would XXXX hrs for Credit Bureaus to update. I don't understand why she's asking to have a new card and to open my Account since they went in my favor and supposedly on XX/XX/XXXX sent me a new card that I have not received. Probably haven't received because they never get my address correct. They keep putting XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. When it should be XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. 

Jcpenney on XX/XX/XXXX XXXX XXXX XXXX. Acct had been deleted and {$8.00} charge was forgiven. That this should not be on my Credit report. It would be 30 days to update. I would have to apply for a new card. This {$8.00} charge was in dispute as I had ordered slippers that JCP sent to my old addess in MA XXXX XXXX XXXX XXXX, XXXX, MA. I was told I was not responsible for that charge. The slippers should have been sent to XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. Instead they close and delete my account. As of today this is still on my Credit Report. I called them and XXXX XXXX and XXXX stated that it would be another XXXX to XXXX days. 

I haven't had time today call XXXX XXXX. As this was told to me on XX/XX/XXXX this would be off my XXXX XXXX  as well. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXey took off my late charges and I made double my payment on XXXX card ending in XXXX of {$200.00}. The other XXXX XXXX card ending in XXXX was paid off and now have a {$39.00} credit as I must of over paid. 

My XXXX XXXX card with the government was hit with fraud as well at the same time. They are the only ones that resolved everything for. 

I feel like I am being punished for something I didn't create. None of this was my fault. They made promises that were never followed through with. I will now call them every 7 days until this is resolved or you can help me fix this. This has been a horrible ordeal as I am in the middle of trying to get a mortgage to buy a home. Now I can't and the home I want will be gone before this is resolved. 

Please reach out to me for more information if needed. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

To credit reporting agency Request of removal of fraudulent account reporting I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, Experian, or XXXX. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-o for XXXX XXXX XXXX XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unveriable debt from my report as of XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and veriable. Since XXXX has removed this account after its verication process, I request that you do the same and remove this unveriable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unveriable information must be deleted from a consumer 's credit le. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unveriable information. Since XXXX has deemed this account unveriable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unveriable, I urge you to align its records accordingly. 
Please provide conrmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including ling a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 

please see attached supporting documentation
Product: Credit card or prepaid card

Yesterday XX/XX/XXXX I attempted again to make a payment with Genesis credit for my account online services were denied for credit card use my credit card was removed from the online site I had to then input my information for routing and account numbers payment was made but no receipt has been sent nor is a payment pending on site payment made XX/XX/XXXX and XX/XX/XXXX due to same issue of not posting or sending receipts sending false text that payments are late when second payment on XX/XX/XXXX was stopped by financial institution due to double payment and false reporting of credit agency credit agency applied {$29.00} fee for return check easy payment process for online has not been substantial company is not being accountable for actions
Product: Credit card

I used to have an American Express XXXX XXXX, which I closed about a year ago. A few days ago, I received a bill from American Express saying that I owe then {$920.00} ( due by XXXX/XXXX/15, closing date of XXXX/XXXX/15 ) on this closed card. The bill shows a charge for {$920.00} processed by American Express on XXXX/XXXX/15, in XXXX XXXX ( XXXX XXXX XXXX, a hotel ). I immediately called American Express and informed them that I no longer have this card, which should have been closed a long time ago. A person at the fraud department at American Express did reverse that charge, but refused to tell me how any charge, whether fraudulent or not, could be processed on a closed credit card account. I was also informed that I will never know how this happened. I 'm filing this complaint because this suggests that American Express has a huge gaping security loophole that needs to be closed, and the public needs to know about this. I would also like a much better explanation on how this happened and what I need to know to prevent future incidents.
Product: Checking or savings account

I wanted to with electronically withdraw XXXX as was the original agreement. XXXX supervisor XXXX, ID Number XXXX on a recorded call ( so she said ) on XX/XX/XXXX  around XXXX XXXX  refused to do so and stated that as a " courtesy '' they will allow XXXX daily withdrawal or that I had to go to my receiving bank and intimate from there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a formal complaint regarding inaccurate information on my credit report that I reported to XXXX on XX/XX/XXXX. Despite my efforts, I have not received any response from XXXX regarding the disputed information. I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to address this matter. 
The following are the details of the inaccurate information and the required corrections : Account Name : XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$420.00} The inaccurate evidence on the above account is incorrect and is causing significant prejudice to my credit reputation. The balance of {$420.00} provided by XXXX does not correspond to the lower amount that I remember. I request that XXXX revises the past due information, as it is not accurate to present a past due amount for a closed account that was charged-off. This account has likely caused a drop in my credit score. Therefore, I need to reach an agreement with my creditor regarding the incorrect data. I kindly request XXXX to mark this account as disputed because I do not want my credit score to be further affected. 


Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$660.00} The above account does not belong to me, and I request XXXX to remove it from my credit report. 


Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} The above account does not belong to me, and I request XXXX to remove it from my credit report. 


Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$2500.00} The above account was never late, contrary to the information on my credit report. I kindly request XXXX to correct/update this inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute directly to Experian on XX/XX/23 regarding a public record on my account that should not be there. I submitted documentation showing I contacted the Court in Idaho and documentation showing I contacted the 3rd party company that Experian uses to verify information. I am attaching the correspondence to this complaint. The Court letter states they do NOT verify with credit bureaus. The letter from XXXX states they are unable to verify the information and it has been deleted from their system - yet Experian states they verified the information as accurate. I have disputed this on multiple occasions, providing all of the documentation showing this inaccurate information needs to be deleted from my credit report and Experian has decided to break the law by not properly investigating and removing it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a customer with XXXX XXXX for about XXXX years. Ive always known they were problematic with there methods. Theyve been sued countless times. My issue with them is the way I was treated throughout the loan. I changed the car with XXXX XXXX XXXX who I also submitted complaints about. XXXX XXXX was in charge of letting XXXX know of the change and pay off. I submitted a contract to XXXX, XXXX, Equifax in order to prove such occurrence. I even uploaded it online to XXXX consumer and they were aware. Knowing all of this no one was willing to help me as a victim of fraudulent business. This occurrence was through no fault of my own or due to my inability to pay. I attempted to negotiate with them regarding the credit reporting aspect of it with Attorney XXXX XXXX. They were still unwilling to negotiate, I was forced to pay with out correcting or risk repossession. My credit got held hostage. About a year later the pandemic happened and I let them know I was undergoing financial distress. Again with no sort of assistance. I had to pay again with no correction or statements added to my credit reporting. The dates that must be changed are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The account was paid in full and I was told by a representative that I may be able to change the report when I made the full payment. It has not happened and I called later in order get that matter looked at and still my issue was not resolved. My time with XXXX consumer has been about paying them and holding my report hostage just so they get there money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Exeter Finance LLC is in violation of numerous consumer rights including 15 USC 1681a ( 2 ) ( B ). All corresponding documents are attached to this complaint
Product: Credit card or prepaid card

Hello, I am not sure if this is the right place to contact, however if so, I would like to file a complaint. If it is not, if you could please point me in the right direction. 

I was making a payment on the BofA mobile app, when I was presented with a message that I may be eligible to lower my monthly payments, I clicked on it and the banking app glitched and shut down. ( the app does this all the time ) When I reopened the app, it had signed me up for a collections program that closed the account. I never accepted any agreement, signed anything, or consented to this account closure. I was never emailed or sent in the mail a confirmation of signing up, or asked any demographic information such as income and so forth. The account closure was due to a glitch- or rather a scheme put forth by BofA . 

I've tried multiple ways and times to get this resolved, but BofA refuses to let me speak to any managers or file a complaint whenever I have tried. I am always told I will receive a callback and never do ; or get transferred back and forth between different departments because every departments says that they don't handle this, another department does. 

I went in the branch nearest to me, where they told me to call the credit card department. I called the credit card department, they told me to deal with collections department- I spoke w the collections department manager who told me I need to speak w an account manager in the credit card department. I spoke with two separate " account managers '' who were both equally rude, offensive, hostile, and helpless- and refused to let me speak to their supervisors. One refused to share her last name, XXXX, and the other XXXX XXXX out of XXXX, AZ who refused to tell me the governing authority over credit card institutions and refused to let me speak to his supervisor or even request a callback.
Product: Debt collection

On  XXXX / XXXX / 17 , I spoke with a representative claiming to be a representative with  Navient Department of Education loan. I found their number through the   XXXX   search engine. The number actually called is a different one listed on the main search engine page. Once it was called, it switched to a new number. The representative asked if I was aware that FASA req uired an updated account with a new number. She said her name was  XXXX  and she would need my updated email address, social number, and annual as well as monthly income in order to speak with me about my loans. She made me read off  XXXX  confirmation codes received via email. She then held  a 15 m inute conversation with me concerning the reason I had been approved for loan forgiveness and requested a {$600.00} payment in order to freeze my current loans. I denied this option, and she asked if she could call me back in one week at  XXXX . I told her no, I was not interested and hung up the phone. She put me on multiple holds and has continued calling me from multiple numbers claiming to be part of the  XXXX   XXXX   XXXX . A few of the numbers are  XXXX  ( based in  XXXX   XXXX , fl ),  XXXX . I contacted  XXXX  to reset my password & username along with new security questions.
Product: Checking or savings account

I have messaged the bank Juno about not being able to access funds at all. Their response is their parent bank XXXX XXXX  and trust is having issues where they arent allowing any money in or out of their banking platforms. At this point all I want is a paper check for the full amount that is in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern Equifax has been sent letters XXXX letters since XX/XX/2022. They continue to keep false information on my credit report. My report is beyond inaccurate. It bothers me that every month this still is happening month after month. The following issues still have not been addressed. I have names, addresses, hard inquiries, and collections accounts on my credit report that continues to update. I do not have any credit cards now but XXXX card. Yet I have XXXX hard inquiries that have been reported on my credit profile. 

My name is XXXX XXXX My address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX Collections : XXXX XXXX XXXX  Closed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above and address should be the only ones on my credit report. Yet when I send certified letters to them, they come back as verified. How was this information verified? There was no letter sent to me in the mail as I requested on how they verified this information. The false information that they continue to report is damaging to my credit profile. I want this information deleted immediately
Product: Bank account or service

On XX/XX/XXXX2017 I, XXXX XXXX XXXX opened a CAPITAL ONE, Essential checking account. This account was opened while in XXXX XXXX, NY. 
* I have several individuals who owe money top me in the form of rent or borrowed money. The bank froze my account and i do not have the ability to or direct access to my funds. 

I spoke to their investigator and they said they suspected FRAUD and that the money orders were suspicious. 
All the money orders have been verified and the release of my funds has not occurred. 

Because i set up automatic draft with XXXX of my Vendors, I could only do a draft to the company which is slower that actually pulling the m, only from my debit card or getting a cashiers ' check. 

To Date the account was over {$5000.00} in deposits and that is a FELONY according to the IRS in regards to them MONEY LAUNDERING and WITHHOLDING my funds. 

I told the operator i would file a complaint, which I am doing now and if not resolved within 10 business days. I am Under DURESS!
Product: Credit reporting or other personal consumer reports

Upon Reviewing my consumer report I noticed some inquires that I did not make or approve anyone to pull my credit report
Product: Credit card

I get paid on the XXXX day of the month. I have good credit and never have a high balance on the card. I have been charged with late fees. 
XXXX XXXX on XX/XX/XXXX the late fee was credited. I had requested my due date be change. It never was changed so the credit card company continued to charge me a late fee for the following months : XX/XX/XXXX - late fee {$27.00} XX/XX/XXXX - late fee $ XXXX XX/XX/XXXX - late fee {$40.00} I have spoken to different people and THEY refused to help me out! 
XXXX XXXX XXXX XXXX XXXX XXXX What can be done? They are committing fraud. Changes were not made to continue to charge me the late fee.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and TransUnion for multiple violations of federal law, including the Fair Credit Reporting Act ( FCRA ), potential violations of the Health Insurance Portability and Accountability Act ( HIPAA ) ( if applicable ), and concerns related to identity theft. 

On XX/XX/year>, an account with a balance of {$660.00} was added to my TransUnion credit report by XXXX XXXX XXXX XXXX XXXX, allegedly related to an account from XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I have never had any financial relationship, responsibility, or knowledge of this debt. Furthermore : I have never been contacted by either XXXX XXXX XXXX XXXX XXXX XXXX or XXXX, XXXX XXXX XXXX regarding this alleged debt. 
I have never made any payments to either party, nor have I acknowledged any obligation to this account. 

Believing this to be inaccurate and potentially a case of identity theft, I filed a formal dispute with TransUnion on XX/XX/year>. Shockingly, TransUnion resolved my dispute in only 48 hours, providing their final decision on XX/XX/year>. Their investigation report stated : Weve completed your dispute, but the information was verified as accurate. Other information was also updated. 

This response suggests a lack of a proper, thorough investigation, as required under the FCRA, and fails to address the fraudulent nature of this account. 

Violations of Federal Law : 1. FCRA 15 U.S.C. 1681s-2 ( a ) : Duty of Furnishers to Report Accurate Information XXXX, XXXX & XXXX and XXXX XXXX XXXX XXXX XXXX XXXX reported inaccurate information and failed to correct it after receiving notice of the dispute. 
2. FCRA 15 U.S.C. 1681i ( a ) : Right to Dispute Inaccurate Information TransUnion failed to conduct a reasonable investigation of my dispute, as required within 30 days.

The fact that the dispute was closed in just 48 hours raises serious concerns about the adequacy of the investigation.

3. FCRA 15 U.S.C. 1681e ( b ) : Duty to Maintain Maximum Possible Accuracy TransUnion is required to ensure the accuracy of information in consumer reports, which was not upheld in this case.

4. FCRA 15 U.S.C. 1681c-2 : Procedure in Cases of Identity Theft As this is a case of potential identity theft, the account should have been blocked or removed upon my request, in accordance with this section.

5. FCRA 15 U.S.C. 1681n & 1681o : Liability for Willful and Negligent Non-Compliance The continued reporting of fraudulent information after receiving notice suggests willful non-compliance, subjecting the responsible parties to civil liability.

6. HIPAA Privacy Rule Violation ( if applicable ) Since this account involves medical debt, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX, XXXX XXXX XXXX may have violated HIPAA by improperly handling or disclosing my protected health information ( PHI ) without my authorization.
Product: Debt collection

This companyis garnishing my paycheck. I was never served with any paper work of the lawsuit and this suit was filed after the statue of limitation. This XXXX was repossesed XX/XX/XXXX I only found out about the garnishment through my job advising me on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing a complaint to you today to inform you I was the victim of identity theft. I already sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$6000.00} XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00} XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$520.00} XXXXXXXX XXXX  XX/XX/XXXX
Product: Credit card

On XXXX XXXX  I applied for a Miles and More credit card with Barklays bank. They requested extra documents, by mail or by fax, which I sent them at least four times. I called as well multiple times and requested those conversations to be recorded. 
And they confirmed that everything is fine on the bank side, but some company that they use to check documents is telling me that they are looking for some stamp on my Social security card and can not find it. They can not tell me what that company is or any provide any way to connect with them directly to explain that there are no stamps on SSN cards. OR they can not process my application without that company. 

Last time I tried to connect with them was in XXXX and the story is the same. 
We have some unknown company that collects sensitive information from banks applicants and with no result.