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

XXXX, Experian, And XXXX  are not doing a investigation on the Dept of education student loan accounts on my credit report. There is inaccurate information reporting and its making it impossible for me to do what i need to do credit wise with negative reporting. I have reached out to all bureaus and disputed it and nothing was done. These accounts are coming back verified from the credit bureaus.XXXX last reported a balance of XXXX on XX/XX/XXXX. opened XX/XX/XXXX. With a monthly payment of XXXX dollars. Payment status in collections/Charge off! How is this possible? XXXX is reporting a balance of XXXX on XX/XX/XXXX. opened XX/XX/XXXX. Account status closed. Experian last reported a balance of XXXX on XX/XX/XXXX. opened XX/XX/XXXX. Payment status seriously past due date/ account closed.
Product: Checking or savings account

Hello CFPB, Thank you for providing this service and so lucky to have you on consumers side! 

I signed up with Citi Business banking with the banker who opened my account in person at the Citi branch located at XXXX XXXX, XXXX XXXX, NY XXXX using this promotion : XXXX : XXXX? XXXXXXXX XXXX XXXX XXXX XXXX The Citi banker was successful in opening my account and also informed me of the requirements I must meet to earn the {$750.00} bonus. 
I then followed the requirements using {$20000.00} to earn the {$750.00} bonus. 

I called Citi Business customer service on XX/XX/XXXX to get information if I have met the requirements for the {$750.00} bonus. The Citi rep told me I have and to wait 30 more days to XX/XX/XXXX for the {$750.00} bonus to be paid ( as this is the date that the {$750.00} bonus will be paid by ). The rep also informed me to get more information, to visit the same Citi branch I opened the account at. I visited the same Citi branch where I opened the account with a XXXX appointment on XX/XX/XXXX. I spoke with XXXX XXXX who performed a review on my account and told me I did meet Citi 's requirements for the {$750.00} bonus and that I will receive the {$750.00} in my Citi Business account by XX/XX/XXXX. I expressed my concern that Citi wont pay me the bonus as I've never had to wait until the last day for ANY bank in the past and that I am VERY CONCERNED that Citi wont pay based upon recent ( past 6 months ) online posts others have posted saying that Citi never paid them and gave them a hard time paying them the bonus so they had to file a complaint with you : CFPB. XXXX told me if I don't receive my bonus by XX/XX/XXXX to file/open a Dispute/Bonus Payment Case. I have emailed Citi Executive Response Unit ( XXXX ) today ( XX/XX/XXXX @ XXXX with the following message : Hello Citi Executive Response Unit , Excuse me for disturbing you but Can you please CONDUCT A REVIEW of my business so that I can receive my {$750.00} bonus ASAP? 

I have not received my {$750.00} bonus as promised by following the requirements for it as Citi stated in the following promotion below : XXXX : XXXXXXXX XXXX & XXXX & XXXX I also visited the Citi branch located at XXXX XXXXXXXX XXXX XXXX XXXX NY on XX/XX/XXXX to inform XXXX XXXX ( the banker who I had the appointment with at XXXX ) to review my business account to ensure I did complete the required activities, which He told me I did and will receive my {$750.00} bonus by XX/XX/XXXX, otherwise I can open a dispute as there has been known issues with Citi paying these bonuses ontime ( if at all ! ). 

Appreciate your time and this is the XXXX time I've had to formally get involved in ANY bonus promotion that a bank did not pay ontime. 

Cheers, XXXX XXXX XXXX XXXX I am now awaiting a response but I have also filed with you ; CFPB to ensure Citi does pay me and hopefully they don't do this again or to anyone else as this is a major pain XXXX XXXX XXXX  when you have completed Citi 's requirements and activities and they don't deliver as promised, the ONLY BANK that HAS NOT DELIVERED and they are a TOO BIG TO FAIL BANK!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late payments from this account : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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 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: Credit reporting

I disputed the accuracy of a Ch XXXX Bankruptcy with Equifax in XXXX. On XXXX XXXX, I received the results of the investigation and the Bankruptcy was deleted. When I checked my credit report on Equifax monitoring service on XXXX XXXX, 2016, the Ch XXXX Bankruptcy was removed from my report. When I checked again on XXXX XXXX, 2016, the Ch XXXX Bankruptcy was reinserted without any 5 day notification from Equifax. This is a violation of the FCRA. I insist that the Ch XXXX Bankruptcy be deleted according to the provisions of the FCRA.
Product: Bank account or service

Bank of America charged me XXXX overdraft fees in one day for items returned for insufficient funds. A payment to my credit card was processed earlier than I thought and I had insufficient funds for other XXXX transactions that occurred on the same day ( some for as low as a few $ ). The total overdraft charges were {$140.00} in one day. I have been with Bank of America for years and of course I will close my account as soon as feasible. I spoke to a manager XXXX XXXX on the phone ( he said he was at the West Virginia location of the Bank of America ) about this and they refused to even consider canceling XXXX overdraft fee. I hope the CFPB can intervene and assist. Frankly, it is appalling how Bank of America can do this.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against AVA Finance Regarding Opt-Out Request I am writing to file a formal complaint against AVA Finance concerning their non-compliance with my opt-out request for credit reporting. I originally submitted my request to AVA Finance on XX/XX/2024, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

In my request, I clearly stated my desire to opt out of any future credit reporting by AVA Finance to credit reporting agencies. Despite this, I have yet to receive any confirmation or acknowledgment from AVA Finance regarding my request. 

Details of the situation are as follows : - On XX/XX/2024, I sent a formal letter to AVA Finance requesting to opt out of credit reporting. 
- The letter was sent via certified mail, and I have confirmation of its receipt by AVA Finance.

- As of todays date, I have not received any response or confirmation from AVA Finance regarding my request. 

This lack of response and failure to acknowledge or act on my request is a violation of my rights under the FCRA. I am deeply concerned about the potential negative impact on my credit report and financial privacy. 

I request the CFPBs assistance in investigating this matter and ensuring that AVA Finance complies with my opt-out request. I am also seeking confirmation that my request will be honored and that no further credit reporting will be conducted by AVA Finance regarding my account. 

Enclosed with this complaint is a copy of : - My original opt-out request letter dated XX/XX/2024. 
- proof of delivery to Ava Finance.

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this issue. 

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

I did not authorize the following accounts to be opened these accounts are on my credit report and they come from fraud and data breaches I have been notified of several data breaches from XXXX XXXX and Experian! I am looking to move out of state soon and these fraud accounts are preventing me from moving on in life! I HAVE FILED IDENTITY THEFT REPORTS ON THE FOLLOWING FRAUD ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I owned a business back in 2008 that I took a credit card out from capital one with a credit limit of XXXX everything went well for the first 6 months then I started getting charged over the limit fees each month in the amount of XXXX each month i called and was told they would not remove them after a year i gave up paying on it they had doubled what i owed them raised my interest rate now they have hired an attorney which has put XXXX judgement 's against me for it XXXX on my checking account XXXX on my state taxes and the XXXX XXXX is on my house which has a mortgage on it all for the amount of XXXX this is outrageous for such a small amount since then I have lost my business due to the economy
Product: Credit card or prepaid card

I had problem with Macy 's Credit Card over the limit purchases, as they advertise they won't allow transactions to go through, if dept is over the limit by XXXX $ but they allowed transactions after that up by XXXX $ plus XXXX $ pending transactions ( limit is XXXX ), this destroyed my credit score and got it decreased by XXXX points, this is insane. 
Additionally those XXXX $ + transactions went through after billing statement was ready and balance up by XXXX $ over the limit. 

So statement date was XXXX of XXXX, already above by XXXX $ of what should be allowed, they might say XXXX $ interest charge applied but it still does not sum up. 

Ironically after that, they allowed transactions on XXXX of XXXX. 

They also might say some transactions were pending, this does not make sense, if I by something for XXXX and is pending why should they allow me to purchase another XXXX $ for example. Insane. 

This is fraudulent, because it does not match the advertised service and terms. 

Please see screenshots for better understanding
Product: Checking or savings account

On Tuesday morning ( XX/XX/year> ), I received a deposit of {$2000.00} into my Chime account as an advance loan on my tax return. Later that day, when I attempted to use my account, every transaction I tried was blocked.

I have contacted Chime customer service more than four times, and each time, the representative tells me to wait 24 hours for the issue to resolve. However, every day, after waiting the 24 hours as instructed, I attempt a transaction, and it is still blocked. The same cycle repeats each time I call, with no real resolution or explanation.

Chime customer service claims that my account does not show any blocks or restrictions and that everything should be working normally. However, every time I attempt a transaction, I receive a message stating that Chime has blocked the transaction.

Despite multiple calls and chats, Chime has not been able to connect me with anyone who can actually resolve the issue or provide a valid reason for why my money is inaccessible. I rely on these funds, and Chimes failure to address the issue has caused significant inconvenience and financial distress.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX - XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts appearing on my credit report are fraudulent : XXXX/XXXX XX/XX/XXXX {$0.00}, XXXX/XXXX  XX/XX/XXXX {$890.00}, XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX {$670.00}, MIDLAND CREDIT I reached out to the XXXX, XXXX, and XXXX credit bureaus several times. The last correspondence was XX/XX/XXXX. I have received no valid response.
Product: Checking or savings account

I am XXXX and regularly order from a food company, XXXX XXXX. Because I order daily, their drivers make excessive mistake. I filed claims with Wells Fargo claims department. They incorrectly charged my account back for XXXX XXXX errors. 

Then they charged me a XXXX $ overdraft fee! Then they told me my account was being closed for " excessive claims ''. These are unfair & illegal practices. Especially of withdrawal for overdraft fees per government regulations. 

Thank you for your attention and assistance with this matter.
Product: Debt collection

I just checked my credit report and XXXX XXXX have four accounts listed on my credit report from XXXX XXXX XXXX XXXX XXXXXXXXi have never have a contract with these companies. i did not receive anything in the mail saying I have a right to dispute this debt. This company hold four accounts with my name social security number address date of birth without my permission which is identity theft.They bought these accounts from another collection company. This company needs to delete my personal information out the database.
Product: Credit card or prepaid card

On XX/XX/2022 I purchased gas for my car in the amount of {$67.00} at XXXX XXXX XXXX in XXXX, CA. That charge appeared on our account and is not in dispute. An additional charge of {$320.00} appeared on our account from the same merchant on the same date. I am disputing the {$320.00} charge because I did not make it. 

I contacted the merchant and was told they could not help me and to contact my bank. 
I contacted the credit card company, Chase, and they opened a fraud case. Their conclusion was that it did not qualify as a fraud case. I asked about my options and they advised me to contact their Merchant Dispute department. I did so and they opened a merchant dispute claim. The Merchant Dispute department concluded that it did not qualify as a merchant dispute claim.

For the last 6 months Chase has referred me several times back and forth between the Chase Merchant Dispute department and the Fraud department. Every time each department denied my claim. Most recently I received an update from the Fraud department on XX/XX/2022 again advising me that they were denying my claim. 

At this point I believe I need extra help to get Chase to honor my claim. Can you help me?
Product: Vehicle loan or lease

I enrolled in SantanderConsumerUSA 's Auto Bill Pay. They did not enroll me because I requested to have them draft more than the amount due monthly. As a result, I was charged a $ XXXX monthly late fee. Additionally, the customer service agent was unable to assist, take a payment by phone without charging a fee, and was slightly more helpful than a robot. Santander has had the wrong date of birth on my account and more than twice has failed to enlist me in the auto bill pay which has forced me to pay late fees and have a 30 day mark at least once on my credit report due to my inability to log in online.
Product: Debt collection

I've tried explaining to them that I didn't owe any money to them. I'm XXXX by birth with XXXX  XXXX  and never worked due to my XXXX. Tried telling them that someone impersonated me and used my name, social security info, and my house address to get money from credit cards as cashiers checks. I've been identity theft by some unknown people or person. Please I humbly request for your help finding the culprit and fixing my credit history. Thank you.
Product: Debt collection

This is the 3rd time that Convergent has sent a letter to my address, alleging an unpaid debt to XXXX. Again, there is no such debt.
Product: Student loan

National Collegiate Student Loan Trust has had a law firm to place a title lien on my property. My name is XXXX XXXX and clearly this is a case of mistaken identity bc there are literally thousands of individualswith the same name. However, the above company did not research or clarify any of this info prior to having the law firm/attorney XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Ga XXXX go to XXXX County courthouse and place this lien. This has caused a major headache, loss of time and wages, and stress. I am currently having my loan refinanced and wouldn't have ever known this document even existed until they did a title search. This is humiliating and embarrassing. I have spoken to the law firm who has no record of a XXXX XXXX with my date of birth or SS # on file. Who is held accountable for slander of my name and discrimination when mistakes are made. Now I'm forced to get an attorney to rectify what should have never taken place.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX OR XXXX XXXX I did not give consent in any way to furnish information to my credit report. 15 USC 1681 1b Ba2
Product: Credit reporting, credit repair services, or other personal consumer reports

My Creditors negligence ( XXXX ) led to a late payment, and then they decided to ruin my credit : In or around XX/XX/2018, I had 2 credit cards with XXXX and had only been actively using 1 of them. I was logging into their website that consolidates XXXX accounts, making multiple payments per month and checking my balance frequently because I used my credit card heavily. 

On or around XX/XX/2018, my credit monitoring agency sent me an alert referencing XXXX. I checked online, saw nothing unusual, and I then called XXXX who authenticated my identity, opened up my profile and told me that my account was in good standing and to ignore the alert. 

2 months later, I learned that the alert was due to a recurring charge posted to my inactive credit card I was not using, and that it was now 90 days past due. I called XXXX again and paid the {$90.00} amount. I also explained to them that when I called earlier they had specifically told me to ignore it, that there must be a mistake, and I was in good standing- when actually that information was incorrect ( they recorded this conversation ). I also stated that when I go online, the card in questions was not being shown on the web dashboard that showed my other credit card and mortgage. I then asked that they clear up their mistake- they rudely said no. 

Given that this was a business credit card, and given that XXXX never reported to the credit bureaus when I did pay this card on time, I was shocked when they made the decision to report it as 90 days late thus decidingly crushing my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage account is currently showing 180 days delinquent/past due on XXXX and Equifax, which is dropping my score tremendously. I'm unable to apply for needed loans or credit cards which has impacted my finances. I was in covid forbearance for 6 months, and I was current on my payments when I went into it. Under the CARES Act, my account should've been kept current. 

I have been trying to dispute this with the credit companies for 3 months. When I reached out months ago to the mortgage company they said someone from the credit department would get in contact with me and they never did. I also emailed about this issue on XX/XX/2022 with no follow-up.
Product: Credit reporting or other personal consumer reports

An institution with name PenFed Credit Union had made a hard credit inquiry on my account without my consent on XX/XX/2023.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below. XX/XX/XXXX XXXX XXXX XXXX and XX/XX/XXXX