23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

XX/XX/XXXX, I submitted a complaint to CFPB about the overdraft fees that had been applied to my account. The fees were excessive and I was very dissatisfied with the fact that I was often getting charged {$35.00} for payment of small items or where the overdraft was less than {$35.00}. I am again recording a complaint about the practice for XX/XX/XXXX. During the year, I was charged overdrafts for either ( i ) processing items that were in an amount far less than {$35.00}, ( ii ) where the associated overdraft was less than {$35.00}. In there was one instance where I was charged for an overdraft of {$17.00} or ( iii ) charged multiple times where the processing sequence of items was completed such that the largest item was processed first and then each smaller item would generate a fee. I would like to get Bank of America to improve its policies to help more and so I am requesting that my account be reviewed.
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 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 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 15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

Subject : Request for Documentation of Investigation Procedures and Results - Complaint # XXXX To Whom It May Concern : I am reaching out regarding my complaint ( # XXXX ) to formally request detailed information on the investigation conducted by Equifax concerning the disputed XXXX XXXX account ( account number  : XXXX ). As this account is unauthorized and a result of identity theft, I am seeking clarity and transparency on the steps taken by Equifax in handling this dispute.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to certain documentation and information related to this investigation. Specifically, I am requesting : Results of the Investigation : As mandated by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( ii ), I request a summary of the investigation results, including any reasons for maintaining or modifying the disputed information on my credit report.

Sources of Information : In accordance with 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), please provide the names and contact details of the original creditor or any third-party data furnishers involved in XXXX investigation of this account.

Verification Documentation : I am requesting any records or documentation Equifax reviewed to verify the disputed account. While the FCRA requires credit bureaus to obtain information from data furnishers during investigations, having access to these records would clarify the investigative steps taken.

Procedures Followed : Under 15 U.S.C. 1681i ( a ) ( 7 ), I request a description of the procedures followed by Equifax in their investigation, including the specific steps taken to verify the accuracy of this information.

Notice of Reinsertion ( if Applicable ) : Since this account has been repeatedly reinserted after prior removals, I am requesting documentation on any notifications provided by Equifax as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ). This should include the dates of reinsertion and the basis for each reinsertion.

I am seeking this information to ensure compliance with my rights under the FCRA and to support the resolution of this ongoing issue. I appreciate your assistance in obtaining these details to clarify the investigative process and ensure that Equifax has fulfilled its obligations under federal law.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Bank account or service

I was pressure to sign up with Citi Credit monitoring service and did so for years paying for something I did n't user or understand.
Product: Debt collection

It has been more than 30 days since I first submitted the attached complaint against XXXX XXXX XXXX and they have not responded.
Product: Credit card or prepaid card

My Wife used the American Express Platinum concierge to help book tickets with the XXXX  to use our Airline status for upgrades, we were assured the itinerary was applicable to those benefits, we then booked, the tickets issued were not applicable and then AMEX refused to cancel the itinerary the way in which it was booked, the customer service teams passed me back and forth for more than 6 hours over 2 days and 15+ different people including supervisors. I was then offered XXXX points by an associate as compensation, then they reneged on that the following day. 

The points values are misleading, they have bait and switched us on travel and associated benefits, and they have lied on recorded calls promising compensation and follow up. Their website changes prices and manipulates data to make it more appealing with limited explanation. 

Please investigate the Customer Service, Points Benefits Programs, Travel Price Manipulation and Refund Policies of AMEX Platinum Travel and their affiliates. 

This all happened XX/XX/2020 - XX/XX/2020 and is still ongoing. I have yet to resolve this issue.
Product: Vehicle loan or lease

When calling into Ally Financial on XX/XX/year> to finally resolve this issue with the car title being held and their refusal to release my title ; I was threatened that my vehicle was being listed for repossession. I have paid all fees and other charges required. I am being treated unfairly and this is illegal for them to threaten me that my vehicle is at risk of repossession after more than XXXX months in dispute of final payments due. 

The initial complaints that I filed against this company were closed out after they replied in writing however, they included an outright lie to justify their actions. 

When my vehicle was repossessed last year, I was not notified as required ; receiving a letter after the fact. When I reached out to determine the amount owed, I specifically asked for the amount needed to " close out the account '' with Ally completely. I then paid that amount which was {$5500.00} - although it was different from what the late letter received stated which was XXXX. Despite the difference, I paid it and then asked for my title to be released. Days later, I followed up and I was informed that I had an additional amount due. When I requested that amount in writing it was for {$2900.00} ( which has errors and inflated charges ). I then filed the complaints with CFPB and the final letters sent stated that I owed {$3500.00}. This amount was even different from the previous document. 

Ally has been dishonest in their record of events, they refuse to release the recordings of my phone calls that prove my case, they have sent me fraudulent documents with inflated charges, they continue to deny me of my title and they are now threatening to repossess my vehicle. This is an injustice. Please help!!!
Product: Checking or savings account

Being charged overdraft fees on debit-card purchases and ATM withdrawals when consumers accounts had insufficient funds at the time the transactions settled even though I had sufficient funds when they made the transaction.
Product: Payday loan, title loan, or personal loan

borrowed {$1000.00} payments to be {$330.00} per month for 12 months at 497.27 % interest. loan was made on XX/XX/XXXX. Total payment for {$1000.00} loan will be {$4100.00}. I think this would be excessive in the state of Pennsylvania. Money being taken through direct debit until XX/XX/XXXX. Bank account closed at advise of bank to prevent further withdrawing from account.
Product: Student loan

Navient has NOT been able to provide proof of my physical signatures on loans that claim that I am a co-borrower. My brother, XXXX XXXX, is the borrower. 

Since Navient is unable to provide my physical signatures, it is clearly unlawful to have me on these private student loans that were taken out to attend the corrupt and now closed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Moreover, Navient loan numbers : XXXX only show my name typed into the blanks for the co-borrower and that is not proof that I signed those private student loans. 

I have contacted my Attorney to prepare for next steps to explore litigation against Navient and plan to contact North Carolina State Attorney General 's office in the coming days to file a complaint as well.
Product: Credit card or prepaid card

On the evening of XX/XX/, I was contacted by someone claiming to be from the American Express fraud department. The number on the caller ID matched the American Express phone number XXXX, which is why I thought the call was legitimate. The man claimed they had detected suspicious activity on my card and asked if I'd made any large purchases in XXXX XXXX. I was immediately very concerned. 
He had my card number and read to me the balances I had paid on the last three statements of my American Express Credit Card Account, which matched the information I had in front of me- another reason why I thought he was calling from the fraud department. 
He said his name was XXXX XXXX. He also provided his phone number should the line get disconnected. The number he gave was XXXX 
He then proceeded to suggest I implement additional fraud alerts. He asked for my mother 's maiden name and social security to confirm my information, which I gave. He asked me to press *-something to activate a fraud alert on my phone. He also said that he was setting up alerts on my email. 
Only when I received my card statement this month, I realized that I had been scammed. The fraudster made three separate charges at the XXXX XXXX XXXX XXXXXXXX XXXX, in XXXX XXXX, totaling {$29000.00}. ( I live in Maryland and have not traveled to XXXX in years. ) I contacted my credit card company, American Express, right away. Initially, they credited me for the unauthorized transactions and said they would immediately send me a new card, which they did. 
On XX/XX/, I received an update from American Express stating that I am responsible for giving my card information to the fraudster, which I did not, and responsible for the balance. The scammer ( s ) already had my card number. I noted that there was no verification from the card company authorizing the transactions. Apparently, the fraudster had verified it through my email ( I'm in the process of setting up a new email account ). 
I requested that American Express begin an investigation and file a chargeback as I did not receive the items they claimed I purchased. They said they would investigate further and recommended I contact the FTC and police. Today, XX/XX/XXXX  American Express closed the investigation and stated I must pay the total amount of {$29000.00}. I am writing to state that someone from American Express with my information was able to illegally make purchases in another country using my credit card information. I am in the process of filing a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a letter to the credit bureaus on XXXX XXXX to XXXX, XXXX and Experian. And My complaints have been ignored. I have sent another round of letters out regarding to the hard inquiries on my report that do not belong to me, however its been well over 45 days and nothing has been done to fix the issue. Here is the provided list below. 


XXXXCreditor : XXXX XXXX XXXX ( Original Creditor : XXXX ), Account : XXXX XXXXCredit Inquiry from XXXX XXXX XXXX Inquiry Info : HARD Inquiry : XXXX XXXX XXXX XXXXCredit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry - XXXXXXXX XXXXCredit Inquiry from XXXX XXXX XXXXXXXX XXXX, Inquiry Info : HARD Inquiry : Finance - XXXX XXXXCredit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX XXXXCredit Inquiry from XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX XXXXCredit Inquiry from XXXX XXXX XXXX Inquiry Info : HARD Inquiry : Banking - XXXX XXXXCredit Inquiry from XXXX XXXXXXXX, Inquiry Info : HARD Inquiry : Finance - XXXX XXXXCredit Inquiry from XXXX, Inquiry Info : HARD Inquiry : Finance - XXXX XXXXCredit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX XXXXCredit Inquiry from XXXX , Inquiry Info : HARD Inquiry : Finance XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Checking or savings account

I am currently on vacation in XXXX. On XXXX  XX/XX/19 I tried using my card and it wasnt working. I tried to go to an ATM and that as well did not work. 

I called Chase to see what was going on & they informed me they have frozen my account and in 10 days will close my account. I have done nothing wrong at all but thats besides the point. They gave me no reason as to why. 

However, I have no access to any of my funds & I am stuck in XXXX with no money. They said the account will close in 10 days and after that I will receive a check in the mail. 

This is the only account I use. I dont have access to any money anywhere else & I am currently stuck in XXXX and have no money for food, for a place to sleep or a plane ticket home. 

I requested they let me transfer my money to another account i have, to my mother or send via XXXX XXXX or something similar. They told me no for everything. I dont know what to do. I am literally stuck in XXXX with no access to any type of money. I feel I just got robbed and thrown on the street and I did nothing wrong. I am scared & I dont know what to do ...... They can close my account thats fine but please allow me to access my money so I can get home..
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an attached copy report with the creditors that I did not give permission to access my credit file Inquiries I did not consent to.
Product: Credit card

I had a Target Red Card credit card for over three years with an unblemished payment history. My statements were sent by e-mail and I would then pay online, always in full. Last XXXX, I did not receive a statement from Target. I do not remember the exact dates for all of my financial obligations and rely on statements from my creditors. Two months later, I received an e-mail from Target informing me they were turning me over to a collection agency. I called them and told them I wanted to pay the debt in full but also wanted to cancel the card because their statement system did not seem adequate ( i.e. no statements sent ) and I could n't take any chances with ruining my credit. They informed me that it was my responsibility to know when the bills were due and if I cancelled my care, I would never be able to get another one again. I told them that was fine, this was n't working for me, and I had other credit cards. I paid the card in full and owed nothing to Target. In XXXX of 2016, I applied for new car insurance because it was much cheaper. I was told that I would have to pay {$150.00} more for insurance because I had an entry on my credit card. I got a copy of my credit report, and for the first time in my adult life ( I 'm XXXX ), I had a bad credit report from Target. I am now also applying for XXXX jobs and have found out this can also affect my ability to get a job. Target does not have any customer service contacts for this issue as I do not have a Target Red Card anymore and you need a card number to log in into the customer service portal. There is no other mechanism for contacting them about this issue. My question is, if I paid them in full two months after the debt was due, why have they ruined my credit rating? This card has cost me far more than I ever saved by using it and now it is going to potentially impair my ability to get a job. I feel as if I 've committed a felony and I would like Target to resolve this ; I do n't owe them anything and they did n't have to pay anything to collect the debt. It just seems like sheer vindictiveness, which I think stems from my not wanting to use their card anymore. I hope you can help me or direct me to help at Target.
Product: Vehicle loan or lease

I refinanced my auto loan was promised XXXX XXXX. Was told i had it & I told them I didnt want any extra just the XXXX & they added extra stuff that I declined & didnt added the XXXX. They admitted they made a mistake but they cant fix it & that Im just out of luck. They have the recording of everything & their agent saying I had it & it was fine. But since I signed the loan paper saying it wasnt it on there its my fault & they cant help me. They said they coach their agent on the error but thats that. They wont give me the recording. But there sorry for the mistake
Product: Credit card or prepaid card

Someone is putting their shipping address for purposes of using my store credit card for their own purposes. They are shopping on my credit card. I continue to delete their address and I got back the following day and check my account again and they put their address in their again. I contacted my store credit card companies and they reissued me a different credit card. However, they continue to do this. I don't have any resolve and I don't want to totally cancelling these store credit cards.
Product: Credit card or prepaid card

Hello, Bank of America is preventing me from disputing a charge on my credit card and I need CFPB 's help. 

On XX/XX/2021, I made a {$250.00} purchase for a product that was defective. The company did not tell me at the payment that the product was not refundable. Only when I realized that the item doesnt work and took it back to the store that I was notified. The customer service did take the item back and promised to call me back. They called me back on XX/XX/2021, when I was driving. I promised to call back for safety reasons and I did. After two attempts, I left a voicemail and received no call back. Since then, I have been trying to reach Bank of America to dispute the charge. Surprisingly, BOA does not allow for an online filing. A phone number is provided for call. Not only that no one responds to the call, I have to wait indefinitely without any idea of how long. 
I found this suspicious and stressful especially at the time when my family and I are facing scarcity of resources.
Product: Credit reporting or other personal consumer reports

My payments have been made on time and has not been updating to my credit bureau report ( s ) as paid on time/as agreed for this specific account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to unfreeze my current security freeze by successfully logging into the website ( below ) or after entering my information into Equifaxs automated phone system at ( XXXX ) XXXX. 

This is the website I have successfully logged into : XXXX XXXX XXXX XXXX XXXX  When I attempt unfreeze my frozen status ; this is the message I receive from the Equifax : We are temporarily unable to retrieve the status of your security freeze. Please try again later. 

This is unacceptable and I demand that this issue with Equifax to be resolved immediately :
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB, regulators, national law offices and consumer advocacy groupsplease help!! 

I have given Experian a current copy of my credit report, that can be opened, that specifies what items I am disputing. 

Experian is claiming they can not open that file given to them. They response by saying they will be instead be mailing me a new report so I can start a new complaint with that report and that I should specify what items I am disputing. 

There is no need to do that because I already have my most recent credit report, I have already specified which items I am disputing, and the complaint totality has already been assembly. 

Experian, according many consumer online boards complaints, is being difficult in starting a dispute, outright refuses to start one or is simple ignoring a complaint by providing a bogus reasons such as the one given to me on my closed CFPB complaints. 

XX/XX/2020 CLOSED BY EXPERIANNO ACTION TAKEN Complaint No. XXXX and XXXX XX/XX/2020 CLOSED BY EXPERIANNO ACTION TAKEN Complaint No. XXXX and XXXX EXPERIAN IS NOT BEING PROPERLY REGULATED TO ENSURE CONSUMER PROTECTION, AS SUCH, THEY HAVE SUCH A BRAZEN RESPONSE ON CONSUMER COMPLAINTS. 

Please help. 

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

In accordance with the Fair Credit Reporting Act XXXX XXXX DELAWARE Docket # : 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: Credit card

I got approved for a line of credit of {$7000.00} from Care Credit XXXX Syncrony Bank ) XX/XX/XXXX. I was informed that I would have a XXXX interest as part of their XXXX month promotion, then XXXX XXXX XXXX after XXXX months. I received a derogatory mark on my credit report for having my credit utilization at almost XXXX XXXX. I made payments made on : XX/XX/XXXX for {$190.00}, XX/XX/XXXX for {$190.00}, XX/XX/XXXX for {$190.00}, XX/XX/XXXX for {$180.00}, XX/XX/XXXX for XXXX XX/XX/XXXX for {$190.00} and XX/XX/XXXX for {$230.00}. I received interest charges since XXXX XXXX, but my concern is the interest charged of {$940.00} on XX/XX/XXXX. I had no idea why I would've been charged almost {$1000.00} in interest fees. I would have never agreed to pay anything like that... I would have just opened a new credit card and paid the interest fees on a normal credit card. I was incompetent when I signed anything agreeing to pay {$950.00} in interest fees on top of all other interest fees. I have explained to the company that I did not understand why I would be charged that much of interest and the rep told me I signed it and I am responsible to pay. I told him that I was reaching out to the Consumer Financial Protection Bureau and he said " ok .... '' then ended the call. Can this please be reviewed? I can not afford to pay this and I don't know my options.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citi Diamond Preferred has refused to notify XXXX my Citi Bank ending in XXXX is a closed account. Have disputed at lease 4 times and XXXX  will no longer take the dispute. Nor will they show this as a closed account on my report.