23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Consumer Rebuttal to US BANK Respone to original COMPLAINT ID XXXX : XXXX Banks XXXX is false and misleading. I have documentation that proves I was never over my credit limit and that the card had an available balance of {$5000.00} at the time of the transactions in question. 

Facts : On XX/XX/XXXX, I attempted a {$5000.00} transaction to * XXXX XXXX. 

My available balance at that time was exactly $ XXXX I was not exceeding the limit. 

The transaction was declined. I called U.S. Bank immediately and was told by a representative : Maybe its because its exactly at your limittry {$4900.00}. 

I followed that advice. The {$4900.00} transaction was also declined. 

I called again a few days later. This time I was told : Our system is blocking it. 
When I asked why, I was given no valid reason, and the representative admitted they had no authority or visibility into why this was blocked. I asked when it would be unblocked. She said " Just use a different payment method for this always ''. This hold is still in place with XXXX explanation. 

Issues : U.S. Bank misrepresented the situation in their response. 

They falsely claim I was over the limit, when in fact I have screenshots showing sufficient available credit. 

They blocked transactions without justification, without informing me properly, and refused to provide a valid reason, despite multiple calls. 

Their system appears to be selectively blocking merchants, and their agents admitted they could not override or explain it. 

This is a breach of good faith, as I moved {$150000.00} of assets to U.S. Bank to qualify for this card. 


Requested Action : I demand a formal correction of the record in this complaint and a direct investigation into U.S. Bank 's card restrictions and merchant blocking behavior. I also want : A written explanation as to * why XXXX XXXX was blocked, even with available balance. 

Confirmation that my card will not be arbitrarily blocked from legitimate transactions moving forward. 

This situation is not resolved, and I request CFPB intervention to hold U.S. Bank accountable. 

Given U.S. Bank 's lack of transparency and refusal to provide a legitimate explanation for blocking lawful transactions despite available credit, I am deeply concerned that this practice XXXX be affecting other consumers as wellespecially those who transferred significant assets based on advertised card benefits. 

If this matter is not resolved promptly, I will consider sharing my experience through appropriate consumer awareness channels to ensure others are not misled into transferring their assets under false pretenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX fraudulently pulled my Transunion credit report on XX/XX/18, and opened a fraudulent account in my name. After months of disputes with XXXX, and after filing a police report, they agreed to remove the account AND HARD INQUIRY from my Transunion credit report. The account finally was removed, but the hard inquiry remained. I have called to dispute with Transunion and was told they have not received a directive from XXXX to remove the inquiry. I spoke with XXXX and they told me they had, in fact, requested the removal of the inquiry from Transunion, and for good measure, sent another directive for them to remove the inquiry on XX/XX/2018, but Transunion is still reporting this fraudulent hard inquiry on my credit report and their customer service is of no help to me in this situation.
Product: Checking or savings account

During XX/XX/XXXX and XX/XX/2023, I received rent from my roommate. The rent comes in form of zelle payments, XXXX payments total. 

Those payments were suspected by chase to be fraudulent. XXXX suspended my account on XX/XX/XXXX. I lost all access to my checking and credit card account. 

I spoke with over the phone and in branch chase employee on XX/XX/XXXX. They assured me account is closed but fund will be sent via check after XXXX 's investigation. 

I waited patiently till XX/XX/XXXX to call chase again. Over the phone I was told the account is closed for good and check will be mailed out on XX/XX/XXXX. 

I waited patiently till XX/XX/XXXX to call chase. I was told this time the check won't be sent out as XXXX of the zelle payment is determined to be fraudulent. 

I feel frustrated and being lied to about the timeline. 
I feel taken advantage of by chase holding all my funds while claiming to investigate XXXX payment.
Product: Debt collection

On XX/XX/2019 I sent PlusFour Inc a certified letter via USPS disputing a collection that they have place on my XXXX credit profile. PlusFour has reported that I owe {$230.00} to XXXX XXXX XXXX and that they are collecting this supposed debt. This debt is NOT mine. 

I asked PlusFour to provide me with 3 specific documents in order to verify this debt. I have listed below the items to provide me with in order to verify this alleged debt. 

1. Agreement with your client that authorizes you to collect on this alleged debt. 

2. Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor. 

3. Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. 

They did not provide me with any of those documents. 

I have attached their response which does NOT verify that this is my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a loan with XXXX XXXX here in XXXX, XXXX XXXX from their office on XXXX XXXX, XXXX. I paid the loan off a month ahead of time ; I was informed by a young lady that the company owed me some money-when I asked how much-the amt was {$500.00} dollars-after receiving this check which I deposited to my credit union acct-I was contacted by the company about how would I like to start paying on my new loan! I subsequently filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXXThee XXXX  never told me what the status of my complaint was nor did Security Finance send me any documentation as to any steps there were to RESOLVE this matter plus I informed the XXXX  and the company that based on information sent to me that I was was being mixed up with another person with the same name and obviously another present customer. This presented evidence from the company and to the XXXX  meant nothing and now the company is showing " retaliation '' to me by giving a negative credit report. The complaints listed on the XXXX  website concerning this company is " XXXX  ''. Therefore I am filing this complaint against the Security Finance Company concerning its " office her in XXXX, XXXX XXXX
Product: Mortgage

Sirs, I have a HELOC account with ThirdFederal Savings & Loan. I have setup monthly payment thru signed documents for the regular and specific principle payments. This should satisfy the regular payment obligations with this loan account. 

Every time I make any additional payments online [ thru ThirdFederal site ], I choose the option for applying the additional payment amount towards PRINCIPLE ONLY [ Two options are there - Regular or Principle ]. However, every such additional payments are being processed in such a way that part of the amount is taken to Regular/Interest payment First and what is left is considered towards Principle. Contacted ThirdFederal on this and I was told that there is disclaimer at the online payment screen indicating this process and what they do is legal. 

Could you please help me with the following : 1. Is it legal to disregard Principle only payment instructions and use the money in a way consumer did not request for?

2. Who can help to get this process changed so that Principle only payments and Regular payment options are treated the way consumer is requesting. 

Thanks Consumer
Product: Credit reporting or other personal consumer reports

I'm experiencing distress, dissatisfaction, and anxiety due to the recent updates in my credit report. Despite consistently making timely payments, there are now late payment remarks on certain accounts. I have not missed any payments, and it's crucial that this issue is rectified urgently. I need your assistance to ensure that my credit report accurately reflects all payments made on time, ensuring its complete accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Medical bill for {$820.00} from XXXX was sold and added to credit report in XX/XX/XXXX. This decreased my credit score the score by XXXX points. A legal decision to remove Medical bills from credit reports was released XXXX days ago, XXXX. Why was this bill over XXXX old added to my credit report and significantly decreased the score?
Product: Credit reporting, credit repair services, or other personal consumer reports

You are reporting the below accounts with a past due balance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the below deletions have been removed. 

- XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Bank of America keeps charging me late fees after many attempts to be able to pay online. I sit on hold and just get hung up after the techs can not figure out what 's going on forcing me to pay over the phone.
Product: Debt collection

Upon receiving the right to dispute, I sent a letter certified mail within the 30 day period asking to verify the debt. I received no communication from the company and the debit was added to my credit rating, thus bringing down my credit score.
Product: Credit card or prepaid card

The account ending in XXXX XXXX XXXX XXXX XXXX, the introductory offer was supposed to be XXXX points but got only XXXX. From the time you offered the card ( link on the website ... attached as PDF ), you always had it XXXX so how it was changed to XXXX still a puzzle. I presume it was an error on human part because my application was not initially approved ( took a week to review ) so someone must have manually punched the offer bonus on your side in error. Please follow up and adjust. 

There are still missing the bonus credits for account ending XXXX as well. There were XX/XX/XXXX, Spring XXXX and Summer XXXX promos. I do see some credits but hard to understand what is what. Bonuses offers are pilling up. Some credited and some not. When credited, only an amount shown on my end ( YOU NEED TO PROVIDE SOME EXPLANATION ALONG!!!! ). Calling your CSR is not helpful either ( been there, done it ) please follow up on both cards. 

Thank you
Product: Credit reporting or other personal consumer reports

rooms to go account XXXX. I would like rooms to go to remove this account off my credit report. This is an old account that was open in or around XX/XX/XXXX and service ended around XX/XX/XXXX and last bill was XXXX. The bill was paid in full, I was in formed it will be taken off my credit report and it's still showing.
Product: Credit reporting or other personal consumer reports

I don't recognize these inquiries. Fraud alert.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : OAG CHILD SU Account Number : XXXX Account Name : OFFICE OF THE ATTY GEN Account Number : XXXX Account Name : ATTORNEY GENERAL-CHI Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I filed a dispute with Equifax regarding inaccurate and unverifiable information on my credit report. The disputed accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Despite providing supporting documentation and clearly explaining the inaccuracies, my dispute was erroneously classified as " frivolous '' on XX/XX/year>, and the credit bureau refused to conduct a proper investigation. This is a violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ), which requires credit bureaus to investigate any disputed information unless the dispute is without merit, which is not the case here.

In addition, I requested specific details of the verification process, as permitted under the FCRA, 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). However, Equifax did not provide me with this information or demonstrate that it conducted an adequate reinvestigation. Pursuant to the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ), any information that can not be verified must be removed from the credit report, but these accounts continue to appear without verifiable evidence of its accuracy.

This lack of a reasonable inquiry and refusal to provide verification evidence has negatively affected my credit profile. This has caused unwarranted financial harm, as well as being in violation of FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( b ), which requires creditors and furnishers to ensure the accuracy of reported information and conduct full investigations when disputes arise. 

As a result, Equifax has breached its legal obligations, affecting my credit history and denying me my rights as a consumer under the FCRA. 

Recent Legal Precedent On XX/XX/year>, the CFPB imposed a {$15.00} XXXX fine on Equifax for failing to adequately investigate consumer disputes and for ignoring consumer-provided documents. This precedent highlights the importance of strict compliance with the provisions of the FCRA and ensures my right to demand fair and documented verification.
Product: Credit card

I been customer with sams club for over 10 years.4 years ago they said if I got credit card with synchrony bank they are partners with any time I spend money I would reiceve money back, I was giving credit of XXXX dollars. In XXXX I was approved with social security for XXXX benefits, in XXXX of 2024 I paid off synchrony bank almost XXXX so I can have good credit score and also control my debt to adjust my cost of living due to my XXXX doing that synchrony bank sends me an email saying we are lowering your credit amount to XXXX instead of XXXX .I have been deiceved by sams club and synchrony banks credit card practices .Had I known they would do that I would if I paid them off I would never proceeded with my purchases @ 29 % interest now because of this action they ruin my credit score and preventing me to purchase things that can help my life and have less stress also my wife is XXXX.sams club when I called them said it is not their problem but synchrony banks. Sams and synchrony bank both are practicing unethical business, pushing floor associates at sams to get costumers to enroll into getting a synchrony credit card and rewards are kickback from purchases. I feel I have been a victim of discrimination with XXXX and bad business banking practices from synchrony bank and sams club. Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 an 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: Mortgage

In XXXX my house burned down and my insurance company release a check to myself and Carrington Mortgage for {$100000.00}. Since then I have had to put over {$90000.00} of my own money into the home as Carrington will not release the funds needed to complete the reconstruction. To this date they have release only {$35000.00} while we have sent them information from myself and my contractor showing where we have spent the additional amount. They keep saying it is not more than 25 % done although it is around 80 % done. 

I am recently widowed and I believe they are trying to prey on me to keep this money and make me homeless.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax intentionally excluded all account numbers from items listed on my credit report. I downloaded a copy of my credit report today on XX/XX/21 from XXXX. My intentions were to dispute all negative invalid entries placed on my credit file by debt collectors. I want to dispute all negative entries in writing with certified mail and return receipt requests. I have no interest in filing disputes via Equifax online dispute method. 

Equifax is trying to force consumers to use their online dispute methods by removing the account numbers from everything listed on my credit report. 
I'm requesting that Equifax provide me with the account numbers for ALL of the following entries listed on my credit file or delete ALL of the negative invalid entries immediately from my credit profile. 

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
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  - Account Number : XXXX Opened XX/XX/XXXX Account Name : XXXX - Account Number : XXXX Opened XX/XX/XXXX Account Name : XXXX  - Account Number : XXXX $ XXXX Opened XX/XX/XXXX Account Name : XXXX  - Account Number : XXXX $ XXXX Opened XX/XX/XXXX Account Name : XXXX XXXX  - Account Number : XXXX Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Opened XX/XX/XXXX Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   has pulled multiple hits on my credit file with wrong social security number submitted to them online.  XXXX  refuses to allow me to dispute the two hard pulls on my account.   XXXX   XXXX   refuses to speak with me regarding this issue and refers me to the credit reporting agencies. Obviously, this is a cycle that is never-ending, and I as a consumer have the right to dispute hard inquiries on my credit report.
Please help remove these inquiries.
Product: Credit reporting or other personal consumer reports

Inaccurate reporting on my credit File. 15 us code 1681 states that information should be accurate.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 XXXX 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 in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 FCRA 611 ( 15 U.S.C. 1681 ) 28 U.S. Code 1452
Product: Debt collection

On XX/XX/XXXX at XXXX XXXX, I told them that I did not owe the alleged debt and to " cease & desist all contact regarding the matter. On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they emailed again.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX XXXX XXXX