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

After several written requests sent to Equifax to investigate accounts appearing on my credit report, Equifax has failed to do any real investigation. Instead, Equifax has left it up to the companies reporting the fraudulent accounts to investigate and verify the information in my dispute, which is a direct conflict of interest. No real investigation was conducted by Equifax. After several written requests, Equifax has not provided me any any copies of original documentation ( a consumer contract with my signature on it ) from the furnishers of information. After several requests for their method of verification, Equifax has failed provide any names or phone numbers of any actual person that Equifax has contacted at the companies reporting the fraudulent accounts. All of this is required under Section 609 and Section 611 of the Fair Credit Reporting Act. All of this is due to the fact that no real investigation was conducted by Equifax. When receiving these written disputes, one of Equifax 's employees reads the letter and selects a 2 or 3 digit code offered by an online computer program called the e-OSCAR system. Along with this 2-3 digit code, an ACDV ( Automated Consumer Dispute Verification ) " form '' that has generic identifying information summarizing the dispute is sent to the companies reporting the accounts. After receiving this electronic code, the company reporting the accounts claims to " verify '' the accounts and " update '' their information accurate. This practice is in direct violation of the Fair Credit Reporting Act because no real investigation was ever conducted by Equifax. I contacted the companies reporting the fraudulent accounts and disputed these accounts with them, directly. I have provided documents to Equifax and the reporting companies as proof that an error has occurred. I have directly requested from the reporting companies, written proof about the fraudulent accounts, including the original contract agreement. I have also contacted Equifax, by direct mail and phone, and provided them additional documents, such as an Identity Theft Report and letters to/from the reporting companies. I have also contacted the Consumer Financial Protection Bureau with complaints against all parties involved, including Equifax an the companies reporting the information. I am currently in the process of filing a suit with my State Attorney General 's office for several violations, including but not limited to, Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.
Product: Debt collection

I have reported to the credit bureaus, ARS and this is my second complaint through Consumer Financial Protection Bureau. 

ARS refuses to validate the debt they say I owe. According to section 809. ( B ) of the Fair Debt Collection Practices act. 

They never send any copies of proof of this debt or how it is mine. ARS continues to send me a letter with amounts and dates with no judgement, contract or physical proof of this debt.
Product: Credit card or prepaid card

My income was reduced from the economic shutdown caused by the Covid19 pandemic.

I was late on my Synchrony Care Credit card in XX/XX/2020. 
I asked for Synchrony to remove that late payment because it was caused by the Covid19 economic shutdown and was out of my control, but they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cancelled online my experian account in XX/XX/XXXX, so I wouldn't be billed monthly on my checking account. I have a print out for this evidence. 

It is XX/XX/XXXX, and I am still being billed. Am not able to cancel. It has been over 4 months.
Product: Checking or savings account

On XXXX, I received a fraud alert from Citibank via text, asking to confirm a transaction. I replied no and they responded that a Citibank Representative would be in contact with me shortly. A Citibank Representative called me within 5 mins. I've had a lot of fraud on my account the past few months so this was normal. The agent confirmed my account balances and the last three transactions. The Citibank Representative then told me in addition to the withdrawal, XXXX XXXX ( a woman I was currently going to corporate school with ), also made two XXXX payments from my account for {$2400.00} each. They walked me through how to reserve the transactions with confirmation codes. The agent had me put 'R1 ' in the notes for reverse payment one. They said the authorities would be in contact with me and asked for a call back. I set the time of XXXX because I was just boarding my flight and needed to get home. The Citibank Representative said if I did not hear from them that evening they would call me at XXXX the next day. At XXXX I did not receive a phone call back so I checked my account and still saw the debit of {$2400.00} so I called Citibank immediately and submitted a dispute.

Citibank states I authorized the payment and will not refund my money. I did not authorize the transfer, I authorized a reversal of transfer. I believe this may be an inside job because they have my account information yet refuse to make me a new account. I have already been issued 2 new debit cards in the past few months. I've had a lot of conflict with Citibank Representatives since they out sourced to other countries.
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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX 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: Checking or savings account

Today, XX/XX/2019, yet again I asked when the large check deposited will clear! I asked on XX/XX/2019 and was told by XXXX to call on Monday, XX/XX/2019! Today, XX/XX/2019 again I was told by XXXX she does not know but will find out! She will speak to her supervisor! 

What kind of banking is this? I have an absolute right to know when any check clears! 

Very, very poor banking!
Product: Credit reporting, credit repair services, or other personal consumer reports

To '' ATTENTION CHASE CREDIT CARD MANAGEMENT OFFICER_ FRAUD ACCOUNT NUMBER ENDING.. XXXX as of XX/XX/XXXXat a previous residence in the state of GA. WHEN I WAS IN BRANCH ON XX/XX/XXXX ; I WAS ADVISED DURING THE OPENING OF A PERSONAL BANK ACCOUNT WITH CHASE THAT I HAD A PROFILE WITH THIS " SLATE '' CC WHICH WAS WRITTEN OFF IN THE YEARS BTW. XX/XX/XXXX/XX/XX/XXXX? UNCERTAINLY I HAVE NO KNOWLEDGE OF THIS ACCOUNT AS REPORTED TO XXXX ON XX/XX/XXXX. I HAVE BEEN ASKED TO WAIT AT LEAST 90 DAYS FOR COMPLETE REINVESTIGATION. IN THE MEANWHILE, I HAVE NOT RECEIVED THE LETTER DOCUMENT OF STATEMENT ABOUT THIS AT MY CURRENT ADDRESS ON RECORD ''. 
CONSEQUENTLY, I WAS DENIED A FREEDOM CHASE CC BECAUSE CHASE IS LISTING A VERY LOW CREDITSCORE W/ ENROLLMENT AS I HAD LABOROURED TO ACCOMPLISH A CLEAN SLATE THAT IS NOT REFLECTED HERE WITH THESE ACTIVITIES ''. 
" ADDITIONALLY, I HAVE BEEN ADVISED THAT MY NEW ACCOUNTS ARE UNDERGOING CLOSURE AFTER OPENING ''. CAN YOU LOOK AT THIS MATTER INFLUENCING MY FINANCIAL BANKING RIGHTS TO MANAGE MY MONEY WITH A BANKING INSTITUTION, NAMELY CHASE BANK, J.P. MORGAN ''. 
FRAUD COMPLAINT TO CORPORATE MANAGEMENT, CHASE BANK :. " MY DEBIT VISA CARD ... .HAS BEEN CLOSED TO TELEPHONE BANKING. IT IS LINKED TO MY PERSONAL ACCOUNTS. I WAS ADVISED THAT ALL ACCOUNTS AND DEBIT VISA CARDS CLOSED AFTER UNDERGOING REVIEW '' ..IS THERE ANYTHING THAT CAN BE DONE ON MY PART. I PREFER TO KEEP THIS ACCOUNT ACTIVE. '' " Consequentially I was declined a new " CHASE FREEDOM '' CREDIT CARD UPON A XX/XX/XXXX APPLICATION BECAUSE OF PREVIOUS AND CURRENT CREDIT SCORE and other factors ... .. '' I have needs to utilize my account with debit card. I was advised by telephone lost agent that my account was closed after undergoing a review. I am not in receipt of any such alerts or mailed document. 
I am not understanding if both the checkings ending..and savings account ending ... ..? What about my online access to this messaging feature, would I be able to continue online access? The card ending in ... is linked to these accounts and is it the card that needs replacement?
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Regardless of all my submissions, XXXX will respond in less than 48 hours stating the account is accurate, or has been updated without providing any evidence that the account was investigated. This violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions my also violate the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB, s recent administrative proceedings ( XXXX XXXX XXXXXXXX ), against them in similar violations. I request that the CFPB ensures that XXXX complies with the Federal Law, and provide proof of investigation.
Product: Checking or savings account

I am writing to register a formal complaint against  Citizen 's Bank r egarding predatory overdraft fees.  <P/> On the morning of  XXXX   XXXX   2017, I lo gged into my online banking account via the Citizen 's Bank smartphone application, at which point I learned my checking account was overdrawn by {$20.00}. Upon closer examination of my recent transactions, I discovered that Citizen 's Bank had levied  XXXX  overdraft fees of {$35.00} each against my checking account on  X/X/2017   , for a total of {$100.00} in overdraft fees.  <P/> My account was not overdrawn as of  XXXX   XXXX   2017. Ac cording to my records, my account had a positive balance of {$75.00}, nor were any pending transactions listed. Please note that Citizen 's Bank 's smartphone app does display pending and " on hold '' transactions prominently, and that no such transactions had been displayed.  <P/> I contacted Citizen 's Bank for an explanation. I was told by a representative named  XXXX   XXXX  that the most recent deductions and debits in my account had occurred in a different chronological order than that displayed in my online banking account, which had resulted in the first of the  XXXX  overdraft fees.  <P/> I asked  XXXX   XXXX  's supervisor, a woman who identified herself as  XXXX   XXXX , to waive the fees, and was told that although Citizen 's Bank could not be held responsible for the problem, the bank would be willing to refund  XXXX  of the  XXXX  overdraft fees - a strange solution to a problem they had supposedly not caused and could not be held accountable for.  <P/> Shortly after the conclusion of the conversation with  XXXX   XXXX , I learned that Citizen 's Bank had refunded  XXXX  of the  XXXX  overdraft fees, despite having not been explicitly instructed by myself to do so. Again, this seems strange, given Citizen 's Bank 's refusal to accept responsibility for this error. This fee rebate can be seen in the attached screenshot of my recent checking account activity.  <P/> Given Citizen 's Bank 's history of deceptive practices regarding checking account fees, I wish to formally complain about these unfair and predatory banking practices. My income is very modest, and to lose so much money to fees that could have easily been avoided had Citizen 's Bank provided me with accurate transaction records is not only utterly infuriating, but also completely unacceptable.
Product: Checking or savings account

For the last couple of days I have been receiving calls from a XXXX number and I get these calls either back to back or even late in the evening. I did research the number but it doesn't come up under TD Bank. I do understand my account is overdrawn and I do work and get direct deposit into that account, and it has happended to me a few times with my account being overdrawn and I always took care of it. so I don't get why all of a sudden i'm getting these calls from a number that is not associated with TD Bank. the number that is calling is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. This creditor has continued to violate my rights and time and again I requested ( XXXX XXXX XXXX ) off from my credit report, and you continue to violate my rights and allowing this fraudulent creditor on my report. 
Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible! 

Fraudulent collection Accounts : XXXX XXXX XXXX  Account Number : XXXX Account Opened : XX/XX/2020 Balance : {$420.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX
Product: Debt collection

I been having major problems with Nelnet Lns. I have Proof that Nelnet Lns is in violation of the Fair Debt Collection. I also have Proof that Nelnet Lns is in violation of the Fair Credit Reporting Act. I also have proof that Nelnet LNS is in violation of the Truth In Lending Act. I will be providing all documents to show proof. 

The Definition of a Credit Card under 15 USC 1681 is the same as 15 USC 1602 ( l ) which means " ANY CARD '', plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. My social security card is my credit card what I use in a Consumer credit transaction.

Pursuant to 15 USC 1681a ( 2 ) ( B ) Exclusions. any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

Nelnet Lns has been reporting negative information on my consumer report. I will be providing proof of all violations.

I sent Nelnet Lns a cease and desist letter Pursuant to 15 USC 1692c ( 2 ) also included Pursuant to 15 USC 1692c ( c ) ( 2 ). Nelnet Lns did not 100 % follow my instructions.
Product: Credit reporting or other personal consumer reports

SENT DISPUTES FOR ACCOUNTS THAT WERE INACCURATE BETWEEN EQUIFAX, TRANSUNION, AND EXPERIAN. THEY WERE TO BE DELETED BECAUSE THEY WERE WRONG. THE RESULTS CAME BACK VERIFIED. THIS IS THE ACCOUNT ( ( ( XXXX XXXX XXXX ) ) ) " ( YOUR COMPANY HAS BEEN SUED FOR NOT DELETEING INACCURATE INFORMATION WHEN YOU KNOW ITS INACCURATE ) ''
Product: Credit card or prepaid card

Synchrony Bank took over as the third party bank processing the XXXX XXXX  XXXX credit card several month ago ( around XX/XX/XXXX ). The transfer of my account from the previous company took place and there were no issues with my account balances. 

However, the new bank - Synchrony Bank has a policy in place where they reduce my auto recurring monthly payments when I make additional payments. I had calculated exactly what my payments needed to be monthly to pay off my balance without accruing interest. Then I purchased another item that needed to be paid off after my upcoming bill in order to avoid interest. Instead of changing my monthly recurring payment, I decided to pay additional amounts as one time payments and I pre-scheduled them online to be once a week. I received a letter in the mail in XX/XX/XXXX from Synchrony Bank saying they had decreased my recurring payment based on the one time payment I had made. I chatted with a representative online who told me that is how this system works. It seems unethical to me that my payment would be reduced when I choose to make additional payments. That has never happened to me, not with the previous bank nor any other bank I have had a credit card with. 

On my XX/XX/XXXX invoice I was charged interest because they reduced my payment amount without my permission. I called them on XX/XX/XXXX and they resolved my account by removing the interest charge. I received another letter in XX/XX/XXXX where they reduced my recurring monthly payment again. It has not yet posted to my account and the representative can not assist me. I have to wait to see what will happen and call again. 

I do not think it is appropriate to auto reduce someone's payment in an attempt to make them accrue interest.
Product: Credit reporting or other personal consumer reports

Attempts made to question why FICO score has not changed. Personal loan paid off, creditor increased credit limit from {$700.00} to {$3000.00} and balance due went under {$100.00} across all accounts. Credit score increased twice by XXXX XXXX but no movement on FICO. Unable to reach a human to discuss these issues. 
I believe it's unacceptable for Experian to deny constituents right to discuss these concerns. 
Your assistance will be greatly appreciated XXXX XXXX
Product: Credit card

Description of the Problem : I am filing a complaint regarding the improper reversal of the XXXX XXXX XXXX credit associated with my American Express card. According to the cards benefit terms, I am entitled to a {$50.00} credit for purchases made on XXXX between XXXX and XXXX. 

In XXXX, I purchased an item from XXXX, and the {$50.00} credit was successfully applied to my account. Later, I returned the item. During the XXXX period, the American Express app consistently showed that the {$50.00} credit had been applied successfully, indicating that there were no issues. 

However, on XX/XX/XXXX, this credit was reversed and charged back to my account. This untimely reversal made it impossible for me to take any corrective action to utilize the benefit, as the eligible period had already passed. 

Actions Taken to Resolve : I contacted American Express customer service to dispute this reversal. Unfortunately, I did not receive a satisfactory explanation or a resolution to the issue.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent a letter to Transunion informing them that they are inaccurately reporting an account on my profile. The account status on account number XXXX is showing an " open '' status which is incorrect. I have not received a response from them and when I pulled my report again on XX/XX/2023, the information was still reporting incorrectly. Per the FCRA, I asked for the items to be deleted from my report because it is inaccurate. This is a violation of my rights as a consumer and I want this deleted.
Product: Credit card or prepaid card

On XXXX XXXX, 2022, I learned Home Depot had lowered my credit limit because of inactivity. They say they sent a letter. However, I never received it. I only learned it had occurred because of a XXXX alert. It lowered my credit rating by 3 points. I had never had a late payment and the account had no balance and was 11 years old. I spoke with two managers who told me they must pull a credit report to reinstate. This would result in double jeopardy since my credit report would take a hit for an inquiry. I have excellent credit, but they refused to do anything without a new credit report. I dont want to close the account as that would also be reflected in my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A couple years ago I was a victim of identity theft and someone opened up accounts in my name and I noticed the accounts on my credit report and disputed the accounts and they were removed. Recently I noticed that 2 of the accounts that were removed in the past has been resubmitted back on my credit report. The accounts are from XXXX  XXXX XXXX for the amount of {$1200.00} and IC Systems Inc {$800.00} both are collection agencies. I have reached out to the credit bureau and have request validation of debt from the companies but and I'm still awaiting for a response.
Product: Debt collection

XXXX XXXX XXXX apparently sold someones MEDICAL account to Choice recoveryXXXX 
Its a violation of the hippa act and I want it REMOVED IMMEDIATELY. 
I also am beyond tired of the bureaus marking things as verified and placing them on my file. 
Under my legal rights I want a civil suit against any and everyone who furnished this illegal procedure to my file.