23daVinci/CFPB_Complaints huggingface dataset:
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. I told the Experian, XXXX, and XXXX to reinvestigate this account : XXXX XXXX : account last XXXX # XXXX. On XX/XX/2023 about XXXX XXXX  I XXXX XXXX contract XXXX XXXX phone number XXXX spoke to XXXX  and i asked for my full account number she refused to proved me the full account number. She advised me to call [ XXXX ] i spoke with XXXX about XXXX XXXX from account recover and i asked for my full account number she advised for security purposes they dont have access to that information However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit card or prepaid card

XXXX XXXX  XXXX is reporting on my personal credit file. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher ( DF ) is not complying with federal law in regards to identity theft. Additionally, the data furnisher has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX )
Product: Credit reporting or other personal consumer reports

I received notification from Experian my credit score decreased XXXX points due to delinquency. However there are no delinquencies on my credit report. I have written a demand letter to experian. I have discussed the information with the dispute customer services multiple times since XXXX and although they agree that there are no delinquencies they said they can not add back the points that were removed.
Product: Credit card or prepaid card

On Tuesday XX/XX/XXXX I called Citi Bank for support on my credit card. 

The representative laughed at me, told me he couldnt provide the info I was requesting. Upon asking for a supervisor they continued to laugh. Told me theyre done with me and transferred me back to the queue. 

This person has access to ALL of my private info and still refuses to help. They laughed, mocked that I was out of state for a funeral and then essentially hung up by transferring me. I can only assume theyre stealing identities as they are clearly not being a customer service rep. They claimed they couldnt help with any of my XXXX  requestsAnd did everything in their power to escalate the situation like laughing at me, refusing to connect me to a supervisor. Refusing to provide a 10 day pay off and the address for check payments. 

The next representative assisted with all XXXX requests. This is clearly a problem with a representative that is not going to be addressed.
Product: Student loan

In Citibank 's reply to my previous complaint, case number XXXX, they state : We have reviewed your account regarding your concerns with information Citibank reported to the credit bureaus about your student loan. Our review shows that your loan XXXX, a Federal Consolidation Loan, was sold to XXXX XXXX in XXXX 2011. As we have previously informed you, the information that we have reported to the credit bureaus is for the period that your loans were serviced by Citibank. We have reported the payment history for your loan as well as the fact that it was sold. The information Citibank has reported is accurate and will remain on your credit report for a period of up to seven ( 7 ) years from the last date of activity in accordance with the requirements of the Fair Credit Reporting Act ( FCRA ). 

The sections of the FCRA that you have referenced in your letter to the CFPB are not applicable in this instance, and therefore, we are unable to delete our reporting of your student loan. 

Citibank is failing to recognize it does apply because it 's a sold account and I was never notified in writing under FCRA 's 623 a 7. ( 7 ) Negative Information ( A ) Notice to Consumer Required ( i ) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( p ) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. 

Time of Notice ( i ) In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

FCRA Section 623 of the Fair Credit Reporting Act, Appendix A to Part 660, Title 16, Code of Federal Regulations, and the Consumer Data Industry Association 's Credit Reporting Resource Guide. Page XXXX of the Guide explains that " Both credit grantors and consumers depend upon consumer reporting agencies to acquire and maintain accurate credit histories. '' Page XXXX provides that accounts may be deleted if the account has been forwarded or sold to another agency, if the account was cancelled and returned to the original creditor, if the account was reported in error, or if the account has been confirmed as fraudulent.
Product: Credit card

complaint against Capital ONE Bank regarding reoccurring late fee charges on my statement please see attached Doc Direct consequence of these Fee have my Capital One Bank account balance exceeded the credit limit, leading to additional fees and penalties. 
The late fees imposed by Capital One Bank due to the inflated bill amount have further exacerbated the financial burden and has caused undue financial strain and inconvenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT XXXX XXXX ACCOUNT NUMBER XXXX, XXXX XXXX XXXX ACCOUNT NUMBER XXXXXXXX XXXX ACCOUNT XXXX XXXXXXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX, XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX XXXX XXXX XXXX XXXX NUMBER 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 reporting or other personal consumer reports

Ive identified several mistakes on my credit report tied to certain accounts, and these errors are hurting my XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This dispute is in continuation of remedy to dispute XXXX in duty of furnisher and unlawful use of information contained in my consumer file. 

To this date I have still not recieved any lawful communication of the deletion of this information as their failure to respond in the time period leaves no other option 15usc1681i ( 5 ) Any communication other than that of the lawful remedy of deletion is null and void since first day of failure to respond date. 

I will also be presenting this as further evidence of proper dispute to lawful persons in order to start litigation intervention in which I will seek actual damages in accordance to 15usc15 and 15usc1681n
Product: Credit card or prepaid card

Purchased a computer from Best Buy with their store CitiBank Credit card for {$1900.00}. Item was shipped missing components and was an obvious return that was re-boxed and resold by Best Buy or XXXX XXXX. Told to return item by support after no response from manufacturer, item was received and signed for XX/XX/XXXX via XXXX label provided by Best Buy. Was told I would get a refund by support. No refund appears. I initiate a dispute with CitiBank providing proof of return and tracking. 
Call Best Buy phone support, the girl helping me tells me my account has a note to not help me and to advise me to contact XXXX. 

XX/XX/XXXX, I go to my local Best Buy to get help because still no refund. Manager of store tells me that Best Buy mailed the item back " to me '' XX/XX/XXXX, item was deliver to XXXX, IL XX/XX/XXXX, with no address by XXXX. I live in XXXX XXXX, IL. Best Buy opens an investigation on XX/XX/XXXX for the lost package. ( at this point I have no idea the item was mailed to me, I didn't find out for another month ). XX/XX/XXXX, Lots of finger pointing by XXXX and Best Buy, no resolve from credit card dispute still. Late XX/XX/XXXX, I file a XXXX  complaint and am contacted by someone at CitiBank corporate in XX/XX/XXXX, who tells me she can't refund me but sees all the evidence should get me a refund. XX/XX/XXXX XXXX issues insurance claim to Best Buy for full amount ( according to XXXX phone support and XXXX tracking ). XXXX advises to contact the sender, aka Best Buy. Because XXXX apparently doesn't insure the receiver, only the sender. 


Best Buy accepted the insurance claim according to level 1 phone support, but they have no idea what to do now, advise me to file a credit card dispute ( which I did months prior ). 

XX/XX/XXXX, Citibank mails be a dispute decision and excludes the real tracking number, but Best Buy has included three tracking numbers two of which, are for two other items purchased in XX/XX/XXXX and are blatantly claiming them as the computer return tracking, despite the return happening in XXXX. They exclude all of my evidence, and exclude the real tracking number showing that XXXX paid the full amount insurance claim. 

I just want my money back.
Product: Credit reporting

PLEASE FIND ATTACHED THE DOCUMENTS AND THE DISPUTE LETTER INORDER TO FOLLOWUP ON THE A DELINQUENCY / NEGATIVE ITEM ON MY CREDIT FILE, ON MY XXXX ACCOUNT NUMBER XXXX, I WAS NEVER LATE AND THE ERROR HAPPENED ITS EITHER A BANKING ERROR OR CREDITORS FAULT. I HAVE DISPUTED XXXX ND XXXX, THEY BOTH HAVE REMOVED THIS ACCOUNT. 
BUT EXPERIAN IS NOT RESPONDING TO MY DISPUTES AND LETTERS, PLEASE HELP ME BY RESOLVING THIS ACCOUNT .POLICE REPORT ALSO ATTACHED. 
THANK YOU
Product: Debt collection

In XXXX, I moved into the XXXX XXXX XXXXXXXX XXXX after signing a lease for an apartment that was not the same apartment that I was initially shown and told where I would live. The apartment that I was moved into had a mold infestation that required that I move out. I ended up with a debt from them for over {$3000.00}, so in XX/XX/XXXX I took them to court at the XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX ordered that the judgement be decreased from over {$3000.00} to {$590.00}. This debt was then passed on to U.S. Collection West who added on almost {$1000.00} on top of that debt. I submitted a dispute with XXXX and attached the judgement signed by XXXX XXXX and they still refuse to update my credit file.
Product: Credit reporting or other personal consumer reports

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the law. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). These accounts are false and falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX  XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX, XXXX, Experian.
Product: Mortgage

We opened a Home Equity Line of Credit on XX/XX/XXXX doing a one time close with United Whole sale Mortgage. The loan was set to convert automatically when the house was finished. The house was finised XX/XX/XXXX and we moved in XX/XX/XXXX. It took the two moths for the mortgage company to send the paperwork to convert the loan from construction loan to convential mortgage. The Documents were sent XX/XX/XXXX overnight. We signed and returned the documents which lowered interest rate when converting to the mortgage and dispersed the final part of the loan to the builder. We also sent them a check for the remaining interest as requested for {$2500.00}. And were told we did not have to make the final payment for {$1700.00} as the interest for this payment was covered in the {$2500.00} check. However the escrow from that payment was not included. The check was not cashed and still has not been cashed, so on XX/XX/XXXX We went ahead and made the payment for {$1700.00} as we would have been considered 'late ' and I spoke with the representative on the phone on XX/XX/XXXX from UWM who stated if I could make that payment I probably should to avoid any late fees which was already my plan anyway. I sent an email for updates to XXXX XXXX on XX/XX/XXXX who was the construction loan specialist and received an email from him on XX/XX/XXXX who was the construction loan specialist stating the loan had finally rolled over. which it did so on XX/XX/XXXX. Which I can see when I log into the website, along with a statement which he stated has the correct payment that is due on XX/XX/XXXX. Fast forward to XX/XX/XXXX, I am still unable to make payments online. The check of {$2500.00} is still uncashed and I assume it will not be at this point. I will officially be late on XX/XX/XXXX but have no means to make a payment. I attempted to pay by phone, but it states my loan is not set up. I have a friend in banking that indicated my loan is probably in the process of being sold, but that information has not been told to me. It seems strange that if thats the case I would be told that it was set up on XXXX XXXX. I also see on the online portal that they collected private mortgage insurance from Escrow during the construction period which they should not have. They disbursed a check on XXXX XXXX but mailed it to my old address which I have not received for {$660.00}.
Product: Debt collection

I called XXXX XXXX because i have been receiving 7 to 8 calls a day from them regarding a debt and the representative XXXX called me a XXXX liar after i asked about settling my account
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, DC XXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Concerns Regarding Stall Letters from Equifax Dear XXXX, I am writing to express my concerns regarding the recent stall letters I have received from Equifax concerning my credit dispute. I have received three letters indicating that Equifax does not require another dispute unless requested by them. Additionally, these letters mention " erroneous information '' and request supporting documents. 

I believe these stall letters are part of a tactic employed by credit bureaus to delay the dispute process. By asserting that there is insufficient information or documentation, Equifax appears to be shifting the burden back onto me, the consumer. This tactic seems to be designed to reduce the number of disputes that they need to address in a timely manner. Unfortunately, this has resulted in my current dispute with XXXXXXXX XXXX XXXX XXXXXXXX not being investigated. 

I want to make it clear that if I receive another stall letter from Equifax, I will not hesitate to pursue legal action under 15 USC 1681, which outlines Congressional findings related to credit reporting. The continued use of stall tactics is unacceptable, and I am prepared to take all necessary steps to ensure my rights are protected. 

I appreciate your attention to this matter and hope for a resolution that upholds consumer rights and holds credit bureaus accountable for their practices. 

Thank you for your time.
Product: Checking or savings account

I rece

ived two unauthorized charges on my checking account, I tried to have them stopped and reversed. Each time I talked to the bank they gave me a different reason why they could not stop the transaction or revise the charges. I chose not to continue my phone service with XXXX XXXX ( XXXX XXXX XXXX ). I started service with another cell phone provider ( XXXX ). On the same day, I started the new service XXXX XXXX XXXX charged my account for coming month. I contacted XXXX XXXX XXXX. The phone representative told me we do not make refunds under any circumstances. I immediately contacted 5th 3ed Bank to request the transaction be stopped. 5th 3ed Bank told me they could not stop the transaction because it had not posted.

Four days later contacted 5th 3ed Bank after the XXXX XXXX XXXX charges were deducted from my account. I was told that they could not reverse the charge because the charge was not processed.
Product: Checking or savings account

I signed up for a Santander Checking account this year that contained a promotional code to get a {$500.00} Bonus. I met all the requirements, and had not received the bonus so I made a few calls to their customer service to inquire about it. On the first call ( made XX/XX/XXXX ) Santander opened an inquiry for me ( # XXXX ), and on the second call ( made XX/XX/XXXX ) I was told I did not receive it because I had an account with them in the last 12 months, which is incorrect. I closed my prior account on XX/XX/XXXX which is over 14 months prior. I inquired what date they had my closing date for my previous account and the customer service rep said there was nothing she could do, refused to inquire further and hung up on me. After reading the fine print, it's clear I've met all the requirements as far as opening the correct account type and applying the promo code, having at least a {$25.00} direct deposit, meeting the date requirements, not having an account open with Santander in the prior 12 months, and having {$8000.00} of employer direct deposits within the first 90 days. I'd simply like Santander to uphold their word on paying out their bonus.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, apt XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : Urgent Dispute with XXXX XXXX  To Whom It XXXX Concern, I am writing to file an urgent and strongly worded dispute with XXXX Bank regarding a recent settlement agreement that has unfairly damaged my credit report. My name is XXXX XXXX XXXX, and my account number with XXXX is XXXX XXXX XXXX XXXX. I have been a loyal customer of XXXX XXXX  for XXXX and, and regrettably, that loyalty has been repaid with dishonesty and deception. 

In XX/XX/XXXX, I was contacted by XXXX XXXX  regarding an outstanding debt on my account. A XXXX representative aggressively pushed for a settlement, promising a quick resolution to my financial woes. However, during this interaction, I was deliberately not informed about the severe credit consequences of this settlement. The lack of transparency and forthrightness from XXXX XXXX  is nothing short of a betrayal of trust. 

I subsequently discovered that this settlement had inflicted serious harm to my credit score, leaving a detrimental and unjustified negative remark on my credit report. I am appalled by this underhanded tactic used by XXXX XXXX, as I was led to believe that this would be a reasonable and fair resolution to my financial situation. 

I insist that XXXX XXXX correct this injustice immediately. I demand that XXXX XXXX  take immediate action to remove the damaging negative remark from my credit report, restoring my credit to its rightful state. Failure to do so XXXX constitute violations of the following laws and regulations : Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX actions in failing to disclose the negative credit consequences of the settlement may be in violation of the FCRA, which requires fair and accurate reporting of consumer credit information. 

Fair Debt Collection Practices Act ( FDCPA ) : If XXXXXXXX XXXX XXXX representatives engaged in deceptive or unfair debt collection practices, this could be a violation of the FDCPA, which governs how debt collectors can interact with consumers. 

Truth in Lending Act ( XXXX ) : If the terms of the settlement were not adequately disclosed, it may be a violation of XXXX, which requires clear and accurate disclosure of credit terms and conditions. 

Enclosed, please find copies of the pertinent documentation, including my account statement and correspondence with XXXX XXXX, which clearly support my claims. 

I expect your prompt and thorough investigation of this matter. I demand a resolution that is not only fair but also serves as a deterrent to XXXX XXXX  from engaging in such deceitful practices in the future. 

I urge you to act swiftly on this matter, as the damage inflicted upon my financial well-being is entirely unwarranted. You may contact me at XXXX or XXXX if you require further information or clarification. 

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

**Subject : ** Formal Dispute and Revocation of Consent Under FCRA and GLBA Under the **Fair Credit Reporting Act ( XXXX U.S.C. XXXX, et seq. ) ** and the XXXX XXXX ( XXXX XXXX. XXXX, et seq. ) **, I am formally notifying you of the following : XXXX. **Violation of Privacy Rights** - XXXX XXXX. XXXX, Section XXXX ( a ) ** mandates that consumer reporting agencies ( CRAs ) exercise their responsibilities with fairness, impartiality, and respect for privacy. XXXX and XXXX, as CRAs, have failed to meet this obligation regarding my personal data. 
- XXXX U.S.C. XXXX affirms that financial institutions ( including furnishers of information to CRAs ) must protect the confidentiality of nonpublic personal information. No written or explicit consent was provided to share my data, and any prior consent is hereby **revoked in full**. 

XXXX. **Unauthorized Disclosure** - XXXX XXXX. XXXX ( a ) ( XXXX ) ** permits furnishing a consumer report *only* with the consumers written instructions. Neither the furnisher nor the CRAs have obtained such authorization. 
- XXXX U.S.C. XXXX ( b ) ( c ) ** requires disclosure of my right to opt out of third-party sharing. I was never informed of this option. 

XXXX. **Inaccurate and Outdated Reporting** - XXXX XXXX. XXXX ( a ) ( XXXX ) ** prohibits reporting adverse items older than XXXX years ( excluding criminal convictions ). The account referenced is both outdated and improperly reported. 
- XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) ** bars furnishers from providing inaccurate information. The data in question is incorrect and must be corrected or deleted. 

XXXX. **Opt-Out Demand** Pursuant to XXXX XXXX. XXXX, I am exercising my right to **opt out** of all data sharing with nonaffiliated third parties, effective immediately.