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

I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. 
Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ].

2. Provide me with all documentation used to verify the accuracy of the disputed information. 

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX I Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account 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.
Product: Debt collection

It seem like BB & T use any false, deceptive, or misleading representation or means in connection with the collection of any debt. 
15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 
( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. In order for a claim to be valid there must be a contract in place to show there was an offer made, mutual acceptance, terms and conditions, consideration and 2 wet ink signatures signed by both parties. If there was proof of any debt, according to the rules and regulations of the state, there should be a public record on file with the secretary of state. They send me a copy contract. I want to see original copy of contract. 
It feel like BB & T being discriminate against me because I am XXXX
Product: Checking or savings account

Chase has taken advantage of a shift in my financial situation. For a short period of time of about a week, I let my account stand still and the bank has charged an abnormal amount of fees on overdraft charges. The charges in question are debit card auto transactions at were allowed to pass by Chase due to opportunity for financial gain in the form of a fee. A XXXX USD charge should not warrant a XXXX USD fee along with 3 or 4 others, within a few days time. I had spoken to a representative and was waived 3 overdraft fees plus a monthly service of XXXX USD for not having consistent direct deposits on the account. 

I had a discussion with the representative about why some recurring charges are continued to allow to process with no funds, and I was advised it is at the discretion of the bank. I dont see alot of discretion because everything is allowed through to put me, the consumer, at a disadvantageous position because now I owe the bank fees for something that should not have processed at all. Although policy may be codified in terms and conditions, this doesnt make what I and Im sure millions of other customers, fair. Im sure terms and conditions dont absolve Chase from regulatory oversight of their predatory fee structures. 

Chase makes billions in overdraft fees each year, and off the backs of lower income citizens. There was a study spearheaded by CFPB thay showed Chase raked in 7x more in overdraft fees in 2020 ( in the pandemic mind you ) than their big bank competitors. Of the billions raked in, only 9 % of accountholders were responsible for paying those fees. That is absurd. That is targeted and predatory. I can fathom the weight behind such a fee structure having been on the receiving end of these fees in not even a freakin weeks time. 

Ive been with Chase for like 17 years, and this sequence that I experienced with them makes me feel slighted and drowned out in a sea of nameless customers in their big bank. They would fee me to my grave if they had it their way. I feel their fee structure is a XXXX violation, its abusive and unfair. Why would it be ok to fee someone so egregiously while they are potentially facing hardship, its really unfair. 

Here is a link to a mention of the study I reference : https : //www.warren.senate.gov/oversight/letters/warren-booker-maloney-blast-jpmorgan-chase-bank-of-america-and-wells-fargo-for-continuing-to-profit-from-overdraft-fees-that-target-low-income-americans * I can not as of today access my closed checking account with Chase, but if needed I can request statements or records of the fees mentioned.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX : {$39000.00} XXXX XXXX XXXX XXXX Balance {$7300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2018 a property management company sent a fraudulent debt to a collection agency. The apartment complex never sent me a statement, but rather sent it directly to the collection agency. I sent a certified letter to Experian asking for them to investigate the matter and remove it from my credit report. Within XXXX hours Experian came back and said that the debt was accurate, showing that it was not investigated. XXXX XXXX and XXXX have already removed the fraudulent charge. The collection agency can not prove this debt, because it is not valid. The collection agency is XXXX and the fraudulent amount reported is {$1000.00}. I feel disappointed that XXXX XXXX and XXXX did their due diligence and actually reviewed my dispute, but Experian chose not to. The collection agency needs to prove this debt. This is highly unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX, I received an auto loan with XXXX XXXX. Due to personal issues, I was forced to file a Chapter XXXX Bankruptcy in Federal Court, and was required to send all monthly payments for the auto loan to the Bankruptcy XXXX, whereby he sent the payments to the creditors listed every month. Approximately, 2 years later, I converted my Bankruptcy into a Chapter XXXX, and I received a Federal Court Order in XXXX, discharging all my debts, and removing any and all liabilities on ever account, including XXXX XXXX XXXX. I made arrangements with XXXX XXXX and returned the car in great condition. The car was a XXXX XXXX XXXX. The blue book value at the time far exceeded what I owed XXXX XXXX. During the years I was paying the Trustee to make my monthly payments as required by the XXXX XXXX, I was later notified that none of my payments were ever applied towards my balance, and after years, my loan balance remained the same. Since the Federal Court Order was issued, XXXX XXXX XXXX has continued to report to the credit agencies that I was delinquent, past due, and states an amount owed. First, I returned the car and XXXX XXXX was able to make money on the sale of the vehicle. Second, XXXX XXXX refuses to advise me of where all my payments went and why they were not applied towards my balance. 
Third, XXXX  XXXX has continued to violate the Federal Court Orders, the Federal Law on reporting requirements after bankruptcy, and violating my rights under FCRA. I no longer own the vehicle and have continued to ask that the XXXX XXXX XXXX account be deleted from my credit report as they are reporting inaccurate information, they are legally required under the XXXX XXXX XXXX to not to report anything negative on my credit report. As a result of their unwillingness to follow the laws, my children and I have been significantly damaged by their illegal negative reporting. I am requesting that XXXX XXXX XXXX be required to follow the laws of the Federal Government and XXXX XXXX XXXX, and due to their illegal actions for years, immediately notify the credit agencies to delete the XXXX XXXX XXXX account from my report.
Product: Debt or credit management

PNC bank someone used my debit card for {$51.00} at XXXX XXXX XXXX XXXX well i lve in XXXX XXXX they did a investigation and lied about because there was another charge on there from the same place that refunded my but the {$51.00} the won't give me back I'm sick if them i want my {$51.00} back
Product: Payday loan, title loan, or personal loan

I have a loan with Lending Club and got a little behind due to Covid. I called and scheduled 4 payments on XXXX to catch up my loan. Instead of deducting 4 payments, they deducted 6 ( XX/XX/XXXX, XXXX payments, XXXX, XX/XX/XXXX & XX/XX/XXXX ). This has created an incredible financial hardship. I called and was told they would refund my money since it was unauthorized. I waited and it never came. I called again and again was promised it would be refunded. I called again a week later to check on status ( it's now been 3 weeks and over 5 hours of my time trying to correct their error ), and was told my request was denied since I scheduled 4 payments and they took 4. Unfortunately I didn't have my records on me so couldn't properly dispute their claims. Once I got home, checking my bank statements, I discovered that they not only took 4, they took 2 more WITHOUT MY KNOWLEDGE OR PERMISSION. I called immediately and was told that it would be researched and they would call me back, which they never did. Besides the fact that their representatives and supervisors are XXXX rude and completely unprofessional - what they did was illegal and without my consent. With these additional payments, I am now paid through XX/XX/XXXX ( per their statements ). I want my money refunded NOW. 2 payments of {$1000.00}, so {$2100.00}. This is shady business practices, at best. ANd when confronted with their error, they chose to use abusive tactics to deflect from their mistakes- all in an effort to keep two months of my payments. I am sure I am not the only one ( nor is this the first time they have done this to me personally ). What a racket! They must be earning a TON of interest at our, the consumer 's, expense. It's shameful.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, XXXX, and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report.Despite my submissions, XXXX, XXXX, and Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX, XXXX, and Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the XXXX XXXX recent administrative proceeding ( XXXX XXXX  XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX, XXXX and Experian complies with federal law and provides consumers with the necessary proof of investigation. Below are the accounts that are inaccurate. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Already removed from the other bureaus, due to lack of proof and time. Please remove ) XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In 2017 my XXXX XXXX XXXXXXXX credit card account was discharged in bankruptcy, and then closed, payments were NEVER LATE. XXXX XXXX XXXXXXXX keeps indicating to the Credit Bureaus that the credit card account is Delinquent, which is inaccurate. Due to the inaccurate information provided by XXXX XXXX XXXXXXXX to the credit bureaus, the credit card account keeps being marked as Derogatory and the Bankruptcy filing date reported as Date of Delinquencies, which is inaccurate as well. 
I'm attaching bankruptcy documents and recent reports received from Credit Bureaus.
Product: Credit reporting or other personal consumer reports

Was apart of a class action lawsuit against XXXX XXXX XXXX for illegal car repos and was awarded money. Was told that they were not to report anything negative on credit report. Car has been paid off since XXXX, 2022, however, still reporting a repossession on my credit report every month and late payments, when the account has been paid off and closed. This must be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX alerted me to a pay day loan initiated with my information on XX/XX/XXXX twice and XX/XX/XXXX. I spoke w/ XXXX XXXX who advised me to file a claim w/ DataX and to freeze my credit score. Upon receipt of the Data X Report, it showed fraudulent information : XXXX XXXXXXXX XXXX XXXX  XXXX. XXXX, XXXX XXXX. XXXX XXXX. Consumer : XXXX XXXX. XXXX XXXX and Monthly Income {$2000.00}. 
I called XXXX on XXXX when I received the DataX report and spoke w/ " XXXX '' She stated there was no information with my name, email or phone numbers. I would not provide my social security number without providing a report to your agency and FTC first. I am not XXXX XXXX and never applied for this loan.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> My XXXX XXXX dropped XXXX points because your company let Best Buy put more on my card than the credit limit. Now I have remarks on my once good credit report that now has a remark that says went over limit. You will find a way to remove that remark while taking care of the overcharge. Of course I can pay it down, thats why I chose to get the card that has 12 months interest free..but thats not the issue at hand. Its the predatory lending practice Citibank seems to practice quite often according to their reviews on several platforms. Your customer reps gave the run around. They told me its a simple issue to resolve, just pay the overage! Best Buy should teach their employees the consequences of the overcharge so they can tell the consumer. The fact they said the bank does this all the time. Citibank employees telling me You shouldnt have let them overcharge when your credit limit is {$1500.00} Acting like I knew better! XXXX sorry, but if Citibank doesnt decline the overage charge, its on Citibank XXXX not me. The FTC has laws against this, aka Anti XXXX laws. Citibank had the NERVE to tell me its my fault. Citibank tells me too bad, so sad that we screwed you over and destroyed your good credit because we let the {$160.00} OVER THE CREDIT LIMIT go through instead of DECLINING the purchase because it was over the limit. Your employees are the most incompetent, gas lighting and uneducated customer service reps including your so called XXXX who told me I shouldnt have let it happen. Instead of agreeing it should have never been approved over the credit limit and Breaking XXXX Laws by the FTC. Also, Citibank blames Best Buy and me as the consumer, for going over the credit limit is victim blaming. 100 % XXXX fault. The Best Buy employee are not the people that controls what Citibank approves when someone is making a purchase. My next steps are to make reports with several government agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to delete these items ( A ). It is not permissible to fail to delete these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be delete 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 XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, I sent a letter by certified mail disputing information for inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

I requested that they provide me with all documentation used to verify the accuracy of the disputed information. 

No response has been given. 

I would like these items removed. The letter was sent by certified mail and will be included for reference. 

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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Alerted by XXXX that Barclaycard reduced my line of credit. Contacted creditor over the phone. Informed that there decision was not based on my credit history payment or my ability to pay. They informed me that I had been using my other credit cards and asked why. I informed them that we have been fixing the house up as it is for sale and we have an offer on our home. Hoping to close escrow in the next 45 days. My income is more than enough to carry their payment as well as the other debt I have. Income to debt ratio is within guidelines. Pointed out that I have always paid them on time as well as paid off entire high balance several times within the last 2 years. 

They still were firm as said its not the perfect payment history I carry with them, or my fico, or my ability to pay. I mentioned to them, that reducing my line of credit will trickle a series of events with the other creditors which will affect my fico score. It is not fair to reduce my credit line when there is NO merited. This of course has caused me to be at the edge now of my balance with Barclay Bank of Delaware and the limit of my credit. Which is another factor impacting my fico. If this is not resolved, I have informed the creditor that I will be closing my account due to unfair credit practice. I should n't be punished for using my other credit cards which I have been paying all of them on time.
Product: Credit reporting or other personal consumer reports

I have a credit card with XXXX XXXX XXXX  that is called XXXX XXXXXXXX XXXX. This card charges monthly, whether it is used or not and I have never used the card, nor have I ever even activated the card. 
I previously reported this company for fraudulently reporting false information to the credit bureau and received a response that it would be corrected. 
I just pulled my credit reports and XXXX XXXX has now updated the bureaus that the account was closed XX/XX/XXXXXXXX XXXX XXXX XXXX I have made payments of {$6.00} per month with an annual fee of {$48.00} since that date. 
I called and tried to explain that this account was never requested closed by me and that if they had closed the account back in XXXX, I am owed a refund of {$560.00} that was paid within that time frame. 
If it was not closed in XXXXXXXX XXXX XXXX, then this was fraudulently reported to the credit bureaus once again.