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

I wrote a letter to the credit bureaus asking for the removal of these accounts because they were reporting inaccurate information. To my knowledge I do not know that by law the bureaus are supposed to report high because they were reporting inaccurate information. To my knowledge I do not know that by law the bureaus are supposed to report high accurate information, and they did not. The account is Inaccurate, they never showed me how they verified these accounts nor how they updated these accounts, they did not disclose their method of verification nor a contract bearing my signature as requested. These accounts are affecting my credit report and me trying to get a house, car, and other loans. Please remove them immediately. They had up to 30 days to provide me with the method of verification and a contract or any proof that these accounts are mine. I received neither. Please remove them. 

Transunion Accounts XXXX. XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Amount {$300.00} XXXX. XXXX  XXXX Account Number : XXXX XXXX {$230.00} XXXX. XXXX Account XXXX : XXXX XXXX {$40.00} XXXX. XXXX/DOFED Account XXXX : XXXX XXXX {$2300.00} XXXX. XXXXDOFED Account XXXX : XXXX XXXX {$2300.00} XXXX. XXXXDOFED Account XXXX : XXXX XXXX {$3400.00} XXXX. XXXXDOFED Account : XXXX Amount : {$7500.00} XXXX. XXXXDOFED Account : XXXX XXXX {$10000.00} XXXX. XXXXDOFED Account XXXX : XXXX XXXX : {$3500.00} XXXX. XXXX Account XXXX : XXXX XXXX {$6100.00} XXXX. XXXXDOFED Account XXXX : XXXX XXXX : {$3600.00} XXXX. XXXX/DOFED Account XXXX : XXXX XXXX : {$7800.00} XXXX. XXXX/DOFED Account XXXX : XXXX XXXX : {$7300.00} XXXX. XXXX/DOFED Account Number : XXXX XXXX : {$3600.00} XXXX. XXXX XXXX Account Number : XXXX Amount : {$270.00} This agency is violating my consumer rights by using false misleading, misrepresentation, and deceptive means. I have made previous attempts to fix these issues directly with them and they are violating my rights and Im entitled to {$1000.00} for every violation I listed, they have to pay me or delete these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving  notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification that between XX/XX/XXXX- XX/XX/XXXX your automotive account with XXXX XXXX XXXX  was removed from your credit report. But upon viewing a recent copy of my credit report with Transunion it is now stating that disputed information updated. By law I was supposed to receive anything related to a vehicle repossession and or sale of said vehicle and have n't when it was repossessed in XX/XX/XXXX. I 've called XXXX  who only gave me information to collection agency. Contacted collection agency regarding this matter over 45 days ago now and no response. This is also showing as {$0.00} balance, so if I 'm no longer liable for money due why is this not been removed from my credit profile?
Product: Credit card

During the BOA billing cycles of XXXX XXXX XXXX XXXX we paid off our debt completely. We assumed that automatic payment would stop since our balance was XXXX, but {$110.00} taken out of our bank account and posted to BOA credit card on XXXX. And it was taken out again on XX/XX/XXXX. 

So I called the bank to stop the automatic payment and the Rep said that {$220.00} would be refunded. It was refunded on XX/XX/XXXX. So that should have settled the account. We did not bother looking at the account since we decided to not to use that card and we never did. 

But we were shocked to discover recently that another {$220.00} was refunded to us on XX/XX/XXXX and the bank charged us late fees and interest on it. 

I called and they said they would need to research as to why {$220.00} was charged, but in the meanwhile, the late fees would keep on being charged. 

Why are we being charged all these extra money when we have completely paid off our balance? 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Inaccurate Reporting of XXXX XXXX Account # XXXX I am filing this complaint regarding the inaccurate and inconsistent reporting of the XXXX XXXX account ( Account # XXXX ) on my credit report by [ credit bureaus ]. The discrepancies and lack of proper validation of the account 's charge-off status and reported comments violate my rights under the Fair Credit Reporting Act ( FCRA ). 

Details of the Issue : Inconsistent Information Across Bureaus : The account is reported as a charge-off with derogatory remarks, but the reporting dates, comments, and payment histories differ significantly across the credit bureaus.

Failure to Verify Information : The derogatory status and charge-off balance have not been substantiated with sufficient evidence or documentation, which raises doubts about the accuracy of the reported details. 

Potential FCRA Violation : The FCRA mandates that all information reported by credit bureaus must be accurate, complete, and verifiable. The lack of consistency and validation of this account fails to meet these standards.
Product: Money transfer, virtual currency, or money service

I do not have concrete dates as write this down for you. But I had money mysteriously disappear and re-appear on my account but actual refund was ever applied to my account after the funds went missing. Not that I could tell.
Product: Debt collection

I saw several transaction notifications in the morning of XX/XX/2018 on my XXXX account. I did not make or authorize any of those transactions. I attempted to contact XXXX immediately but the Customer Support was not open. I changed the password of my XXXX account as a precaution and once the Customer Support was open, I called and reported the unauthorized transaction and that the last transaction that was authorized by me was on XX/XX/2018 for a {$10.00} purchase and any and all transactions after that date were unauthorized. 

The XXXX agent I spoke to on XX/XX/2018 assured that all the transactions would be reversed. 

But on XX/XX/2018, I received a notice from " XXXX XXXX XXXX '' saying I owe XXXX {$1400.00}. I called XXXX again the same day and asked why I received the notice. The XXXX customer service agent said she has filed another case and all the transactions would be reversed. 

On the morning of XX/XX/2018, I saw that the transactions were noted as reversed but the account balance on the XXXX account still shows - {$1400.00}. 

Whenever I try to call XXXX customer service, after providing the information needed to validate the account, the automated phone system states that the account has been placed with a collection agency and I need to contact them directly and it redirects my call to them. It does not allow me to talk to XXXX customer service.
Product: Debt collection

{$17.00} XXXX. XXXX, I spoke with the account manager XXXX XXXX on XX/XX/XXXX who informed me that there isn't any account with my information associated with it and that the company total auto finance has filed for XXXX  XXXX in XX/XX/XXXX and that once again i contact the XXXX credit bureau and request removal of the account due to unverifiable. 
information, This account has a very negative impact on my credit profile. I have sent XXXX certified mail and disputed with the XXXX major credit bureaus and the credit bureau and the results came back variable and accurate, I have yet to receive any documentation that I requested from either the XXXX major bureaus or total auto finances, bearing proof of this account, which is a violation.
Product: Checking or savings account

My husband and I opened a merchant service with Bank of America under XXXX business. I called and asked was it possible to switch the merchant service to another business account and discontinue the one. The representative XXXX told me it was possible, but I had to purchase another machine and they would send a label for me to return the machine and I would be refunded. 90 day had passed and I continued to inquire about the mailing label being sent as we had already purchased another machine. There was no need for another machine. The representative said it was sent out. I told him I would file a compaint with the XXXX and the label was XXXX XXXX out the next day. I mailed out the other machine. I told him at this point I would like to return both machines as we purchased the other machine on a credit card and it is growing interest from us not getting a refund. The representative told me that it was past the time to return, but the time passed had to do with Bank of America not sending the mailing label in a timely manner. I had followed up every week and finally we reached a time where they said the other machine could be returned. I then began inquiring about the refund. No response for weeks and finally was told that the refund was issued on XX/XX/2023. When I checked my account they refunded it to an account we did not use to pay for the machine within XXXX of XXXX and then used the refund that was in the account without our consent to cover a bill that was due to the bank. I still have the machine. I have not used it or opened the box because I feel like they really mishandled my account. Have tried to resolve with may emails and calling customer service but I felt misled to purchase another machine and the refund was not issued in the same payment form it was given.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  XXXX bank xxxxxxxxxxx XXXX, XXXX XXXX bank XXXX XXXX XXXX, XXXX XXXX bank xxxxxx XXXX, XXXX xxxxxxxxxx XXXX violated my rights. 
I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( eXb ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) n generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed ( A ) in generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be venfied, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modity that item of information, as appropriate, based on the results of the reinvestigation ; and prompty notry the furster of XXXX XXXX that the XXXX XXXX been moomed or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to 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

This is my formal complaint to SANTANDER CONSUMER USA for taking no action to correct and remove the fraudulent account that is still reflected on my credit report and continue to damage my reputation. I sent out communication letters and complaints to them several times, but until this time no further action has been taken. I have attached my FTC report with report number XXXX. I was expecting that they would be reporting accurate information on my file but it seems they are not.
Product: Bank account or service

To Consumer Financial Protection Bureau, I am submitting a claim related to wrongful advertisement and deceptive business practices from Citi Bank in regard to their Citigold bank account. 
In XXXX/XXXX/XXXX, I submitted an application for a Citigold bank account using promo code XXXX which I had received from Citibank. This promotion was for Citi AAdvantage Platinuum Mastercard customer, which I am. 
The promotion was set to end on XXXX/XXXX/XXXX. Knowing that the application may not be approved before the New Year, I had confirmed via phone with a CitiBank representative on XXXX/XXXX/XXXX that the application will be processed before the expiration date of the promotion, and that I qualified for the bonus offer of XXXX XXXX Advantage points upon meeting the promotion requirements : " Within 60 days, complete a purchase of {$1000.00} or more with your Citigold Debit card and perform 1 or more bill payments for 2 consecutive calendar months '' I confirmed via phone again in XXXX, at activation of my account, that I qualified for the promotion. 
In XXXX, after meeting the promotion requirements, I contacted Citibank via secured message to inquire when to expect the points to be posted on my XXXX XXXX account. XXXX XXXX XXXX, Citigold Customer Service, confirmed on XXXX XXXX XXXX that I " [ had ] completed all requirements associated with promotion code : XXXX '' and calculated that the " the bonus miles will be credited to [ my ] XXXX account by XXXX/XXXX/XXXX ''. 
Not seeing the points on my AA account by the end of XXXX, I reached again via secured message, and this time received a correspondence from XXXX XXXX XXXX that CitiBank will open a review of the promotion offer, under case number " XXXX XXXX '', despite the fact that it was confirmed previously that I qualified for this offer. 
On XXXX/XXXX/XXXX, I followed up again via secured message, and received a response from XXXX XXXX that the promotion department is experiencing delay in their investigation, asking me to allow more time to receive the results. 
As we are now two months past when the points should have been posted, I am submitting this complaint for the Consumer Financial Protection Bureau to investigate the business practice of Citbank. 
Furthermore, I am requesting Citibank to Honor the set promotion and promptly post the earned points to my AAdvantage account Waive all fees for this account from the period starting XXXX XXXX XXXX and until the points have been posted. 

Thanks! 

XXXX XXXX. 

Attachment Screen capture of application Secured message communications with Citibank employees regarding this matter
Product: Student loan

I have contacted Navient on many occasions to no help, I have requested a supervisor and have been denied, I have requested proof of my co-signature and still nothing. I have proven to them that their lack of due diligence in the loan origination has lead to years of credit damage and financial damages to me. Still I have nothing, the only request I had of them is to remove me from a loan that they do not have any proof of my signature since I was serving my country in XXXX when this loan was originated, still they refuse to even escalate this, costing me thousands of dollars in higher interest rates due to my lower credit. PLEASE HELP
Product: Other financial service

I received an email from representatives from : Nationwide Doc XXXX Prep, LLC Telephone : XXXX Extension : XXXX Fax : XXXX who charged me {$490.00} for initial registration on paperwork promising lower monthly payments for my student loans from XXXX. And I also have to continue to pay monthly for paperwork they have to submit every month to XXXX or so they claim. But XXXX rep called me back saying my paperwork was rejected because I was still in XXXX and that I should n't have to pay for submitting the application. That 's when I got very worried. I had used my XXXX XXXX credit card and gave them my personal info with XXXX. Now, I hope I can get this issue resolved somehow since the fraudulent person would n't get back to my emails and calls asking for refund.
Product: Mortgage

Sir, My XX/XX/2021 fixed-rate mortgage balance was {$35000.00} .I made a payment of {$590.00} in XX/XX/2021 which has been applied. Based on a simple interest rate of XXXX the interest deduction by Rushmore should be about {$140.00} and my principal should be about {$400.00}. My current balance should be about {$34000.00} not {$34000.00} as Rushmore has in their statement. As always I have asked them to correct this to no avail. I am not owing them an other money. Attached are printouts from their statement. Please intervene.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed that this item was not mine, provided all three bureaus with the requested information. After 47 days of waiting abd this adversly effecting me, it was removed. I recently checked my credit report and it was added back, without notification and with no regard to the information that was sent to all three bureaus, several times.
Product: Debt collection

On XX/XX/2020 I sent a letter to Medicredit and asked for debt validation. I have not received a response from Medicredit and it has been over 30 days. I will attach the letter to this note stating what I asked for and what was not received.
Product: Credit reporting, credit repair services, or other personal consumer reports

My dob XXXX, not XXXX  My name and other personal information seems to be mixed up with someone else, I have mailed in disputes addressing this and it seem as if I am being ignored this is hurting my credit tremendously and I need these accounts removed please, Thank you! I have provided proof of my name, dob, ssc, & address
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$15000.00} XXXX XXXX Balance Owed : {$1400.00}
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Credit Information ( Account # XXXX / XXXX ) I am writing to formally dispute the inaccurate and inconsistent information being reported on my credit file regarding the above-referenced account. The details across TransUnion and Equifax reports are inconsistent and incorrect. Please consider this letter as a formal request to investigate, validate, and correct the following inaccuracies : Disputed Items : Equifax : The payment history inaccurately reflects numerous late payments, including XXXX late ( XXXX days ), XXXX late ( XXXX  days ), and XXXX late ( XXXX  days ) over the past XXXX years. 

The account is listed under " XXXX XXXX, XXXX XXXX, '' while TransUnion classifies it as an " XXXX '' account. 

I request a full investigation and immediate removal of any inaccurate late payments that can not be verified with proper documentation. 

TransUnion : Although this account appears on my report, I request verification of the reported " Charged off as bad debt '' status and the accuracy of the balance information. 

Requested Actions : Provide me with written validation from the original creditor for the reporting details. 

Correct any inaccurate information or delete unverifiable data from my credit file. 

Update the status across all credit bureaus to ensure consistency. 

Send me written confirmation once the investigation has been completed. 

Supporting Documentation : Copy of my government-issued ID. 

Proof of current address. 

Copy of the relevant credit report sections highlighting the disputed information. 

I request that this investigation be completed in accordance with the Fair Credit Reporting Act ( FCRA ) within the XXXX timeframe. If the information can not be verified, it must be removed from my credit file. 

Thank you for your prompt attention to this matter.
Product: Checking or savings account

we have been in the XXXX XXXX since XX/XX/2021 and our arrival in that country has not been pleasant with robbery, etc. We have been robbed at our XXXX and we were refunded and were able to get another safer XXXX. We made contact with the local police and they just only came over to see what happened, they have no computer to write up an incident report the only thing they said is that be careful and they will keep on investigating around town. Now, come to find out that these individuals cops have their crooks working for them and they have fake cards that they can duplicate your cards. I did some research and on XXXX, they were the same kind of operation that dismantled a gang of credit card fraud. I only used my card to pay for XXXX which was refunded to me by XXXX when we got robbed, I never made any atm withdrawal or withdrawal at a casino. they need to show me proof of my signature and my passport number because if you are taking the money you need your passport and your signature. I need my money back. I have made several calls using my US phone which cost me a lot of money with roaming and I also called using a local number. I spoke with a gentleman that told me that this will get resolved and till now they have not sent me any documents and no refunds, and all the calls I made was to let them know about the situation, I spoke with at least 7 agents and I even gave them a local number to reach me for more support, they told me a supervisor will be in contact with me but he/she never did. Instead, they are being rude and not willing to help. I will attach every document pertinent to my dispute and as soon as I got back in the country I went to the local branch to pick up my debit card that was stolen because they never even sent me one at my house. However, the branch manager was so nice and she told me if I didn't get this result asap come to her.