23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

Plaza Services is reporting a collection on my credit reports for a " XXXX XXXX XXXX '' payday loan claiming it was opened XX/XX/XXXX for the amount of {$210.00}. I have not had a payday loan since XX/XX/XXXX and it was paid. They have refused to VERIFY the debt. Or this is so very beyond the statute of limitations in Texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  credit report I have 5 hard inquires from the same company Cbcinnovis/XXXX, PA XXXX. I did not give consent for these inquiries. Hard inquiry dates are : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Credit card or prepaid card

My ex XXXX XXXX XXXX added me as a user in one of his credit cards. I never approved or used this card and he didnt pay on it and now it shows on my credit report. I called the credit card company and they said they couldnt remove me. I never got how he was able to Just add me and now Im more XXXX  with more of His debt without my permission.
Product: Credit card

Citi Bank sent us credit cards we did not ask for, we are able to close them out by contacting Citi Bank
Product: Credit card

I had a Bank of America credit card for about 10 years. The account is now closed and the balance is XXXX. The credit reporting agencies are reporting different information about the account. XXXX reports a 30-day late payment in XXXX 2011 but on time payment in XXXX. XXXX reports a 30-day late payment in XXXX 2011, but an on-time payment in XXXX 2011. I have written to BOA XXXX times to try and resolve this, have submitted inquiries to XXXX and XXXX. No results. Somebody has it wrong -- I want BOA to stop reporting the account altogether since they ca n't get their records straight.
Product: Credit card or prepaid card

I applied for the chase XXXX credit card and was instantly approved. I immediately paid for my honeymoon deposit, {$1500.00}, using the card in order to receive the XXXX miles associated with purchases on the card in the first 3 months. The next day I went to pay the card off, I called chase to inquire if I could link my savings account to my card which they told me was completely fine ( I did not want to use one of my monthly transfers to transfer the funds into my checking account ). A week later the payment was reversed even though the funds were in my savings account. I called chase again and they told me that the last representative who told me I could pay using a savings account was incorrect and that I could only pay using a checking account. I transferred the funds into my checking account and went to link my checking account to my chase card and it said it could not link the account -- A represented told me I had to put two zeros in front of my account number to link it, which I did and it linked. The payment was reversed again. I called chase a third time and was told the last two people I had spoke to had misled me. I can not pay with a savings nor should I have put two zeros in front of my account-she paid the charge for me over the phone and in a few days it was posted and the {$1500.00} payment was made. I then find out chase closed my account because of these reversed funds. I never received a letter ( although they claim they sent me one but they should have sent it certified mail because I did not receive it ), they never emailed me, or called me explaining my account had been closed. I do not use my credit card often, mainly just for large purchases I can pay off immediately, so a few weeks later I tried to use the card and it was declined. I called chase they told me they had closed my account and they will not reopen it because it had been 30 days since they closed it. Not only did I never receive notice that they closed my account ( if I had received a letter I would have called them immediately ) I also had already paid the $ XXXX   yearly fee in order to have the card that I ultimately only had for 4 weeks. They have not refunded my {$70.00} fee and still refuse to reopen my account because of the 30-day limit. I acted on the advice of chase representatives and it ultimately caused my account to be closed. I have great credit, have never missed a payment on any credit card, and always had the funds available in my account. I would like my {$70.00} reimbursed or my card immediately reopened. I would also advise chase to provide new training to its representatives and to always send account closure letters via certified mail and email.
Product: Credit reporting or other personal consumer reports

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX, XXXX XXXX XXXX, and CAPITAL ONE BANK USA N. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, and CAPITAL ONE BANK USA N with no successful resolution. There was definitely an error on their part.
Product: Credit card

This is in response to a response from Citi cards. 
case # XXXX & XXXX I have attached there response. 
I need to further state I have never signed up or agreed to any type of promotion from them. I never revied any terms regarding such a promotion, or anything like that. 
Is there any type of balance on this. when does this supposed fraud end? 
I insist. I never would agree to such terms. 

XXXX XXXX XXXX XXXX offer. These are fraudulent companies. 
Any interest charges should be from and added to interest i owe to citi. not to these fraudulent companies. 
i am in contact with my attorney. where should he send correspondence?
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following items on my credit report. The accounts and transactions in question were opened and executed by an unauthorized individual, not by me. I did not authorize, use, or benefit from these accounts or transactions in any way. 

XXXX XXXX XXXX Total fraudulent amount : {$10000.00} XXXX XXXX XXXX XXXX Total fraudulent amount : {$2000.00} XXXX XXXX XXXX Total fraudulent amount : {$750.00} XXXX XXXX XXXX Total fraudulent amount : {$1300.00} XXXX XXXX XXXX Total fraudulent amount : {$650.00} XXXX XXXX XXXX  Total fraudulent amount : {$470.00} XXXX XXXX XXXX Total fraudulent amount : {$220.00} Thank you for your prompt attention to this matter. 

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

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 
Account Name : XXXX Date of inquiry : XX/XX/2023 Account Name : XXXX Date of inquiry : XX/XX/2023 Account Name : XXXX XXXX XXXX Date of inquiry : XX/XX/2023
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balance : {$9000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$600.00} XXXX XXXX  XXXX Balance : {$9000.00}
Product: Checking or savings account

On Thursday, XX/XX/XXXX I contacted XXXX to inquire about the timeline for the return of my funds. They indicated that it would likely be a lengthy process. As a result, I informed them that I would file a dispute to expedite the process. Shortly thereafter, on the following day, XXXX unexpectedly returned my funds. 
Upon learning of this, I immediately contacted Robinhood to request the withdrawal of the dispute claim. Unfortunately, it appears that my account had already been closed earlier that day. 

I was unable to check my account earlier due to work commitments. However, I took prompt action to resolve the situation as soon as I was made aware of the funds being returned. 

I requested I requested that they overturned I requested that the overturned decision to close my account as there was no malicious intent in my actions
Product: Student loan

Loan amount not correct and keeps changing on online portal. At one point shoed zero balance, then showed amount with what appears to be accrued interest, but no monthly payment owed or ability to make a monthly payment. Now website is down and unable to log-in. Customer service hold times are too long and keeps dropping my call on hold. can't get through to anyone and don't know what my loan amount actually is, what my monthly payment is, or what my accrued interest is. I would like to 1 ) ensure I am not delinquent on my loan as I am in the middle of underwriting on a home purchase and 2 ) I don't want to pay accrued interest if I can't make a payment, access my loan information, or get accurate loan information. I don't know how a servicer could possibly be worse than Navient, but the federal government has successfully succeeded in signing an even worse loan servicer contract. Please HELP!!! Get these servicers to respond, post accurate account information and provide adequate staffing for customer service. It's criminal to charge interest without creating an ability to pay the actual loans or access the amount owed!
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction and frustration regarding the numerous unsuccessful attempts to remove fraudulent items from my credit file. Despite my consistent efforts to rectify this issue, the inaccurate information persists, adversely affecting my credit score and causing significant distress. 

There are several items on my credit report that are the result of identity theft or fraud. I have submitted multiple dispute requests, along with supporting documentation proving the fraudulent nature of these items. 

I have made numerous attempts to resolve this matter by submitting the required documentation and following the proper dispute procedures outlined by your organization. However, these efforts have been met with limited success, and the fraudulent items remain on my credit report. 

The presence of these fraudulent items has a severe negative impact on my creditworthiness. It hinders my ability to obtain credit, secure favorable interest rates, and negatively influences my financial well-being. 

I kindly request that you conduct a thorough and expedited investigation into these fraudulent items and take immediate action to remove them from my credit report. I have attached copies of the supporting documentation for your reference. 

Furthermore, I expect timely communication and a written confirmation of the resolution once the investigation is complete. It is crucial for me to receive assurance that these fraudulent items will no longer be a part of my credit history. 

If this matter is not addressed satisfactorily within the specified timeframe from the date of this letter, I will have no choice but to escalate this complaint to regulatory authorities and seek legal counsel to protect my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : 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 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
Product: Credit card or prepaid card

On XX/XX/2018, I purchased two ( 2 ) airline tickets on XXXX XXXX. ( {$670.00} ) The date of travel was XX/XX/2018, the itinerary came back with the wrong dates, XX/XX/XXXX. I am positive I put in the right dates. Why wouldn't I? As soon as I received the itinerary, I wrote XXXX and asked " what is going on, please help. '' No response. I wrote again within minutes and asked to cancel and for a full refund. There is a US Department of Transportation ( DOT ) directive called the " 24 hour rule '' that states any passenger, foreign or domestic, may cancel within 24 hours without penalty. ( I will attach this ). I attempted to cancel on the website and received a response that I had to contact them by phone. Two numbers were available, one for calling if in XXXX or one if in XXXX. I immediately called Chase to dispute on XX/XX/2018 and was told that the charge was processing and it couldn't be disputed yet. I expressed my concern that they are dealing with a foreign country and it might be difficult. Chase said it would be no problem and that I should wait and contact them after it processed. I disputed the charge twice now with ample documentation, including my request to cancel within 24 hours, XXXX ignoring my request for two days only to send me a form letter stating they received my request and confirming my reservations. During at least two months of disputing the charges, my credit card number was changed and when I went to check on my dispute, Chase had closed the dispute and further lost all my documentation. Upon speaking to a supervisor, she was able to find it and agreed to reopen the dispute. Meanwhile, I again cancelled again and was told that there would only be a refund of {$84.00} per ticket, of which there were two. I next on XX/XX/XXXX, received an email confirming the flight on XX/XX/XXXX to which I responded that I had tried to cancel twice. XXXX immediately sent me a response with instructions on how to cancel. These instructions would have been handy on the first day ( 24 hour period ). I then sent the first six digits and the last 4 digits of my credit card as requested to cancel the tickets as well as a comment that this was my third attempt to cancel.. I received an email from XXXX asking if I wanted to cancel one or both. I responded " cancel both ''. One XX/XX/2018 on the date of the flight which I didn't book, I received an email that since I didn't cancel I was a no-show and no refund would be forthcoming. 

Chase has received all the email threads, the DOT directive and has now told me that the XXXX merchant agreement overrides the DOT directive even though it is listed on XXXX ; s website. The fact is, they told me, they can't get XXXX to pay them back so I am left owing the money. I told them in the beginning, they would likely have a problem with this. I have filed a complaint with the DOT against the airline and am now filing with you for the bank. I read that the bank has the right to withdraw the funds from XXXX if it rules the dispute to be valid. Chase basically is refusing to rule in my favor and withdraw the funds.
Product: Checking or savings account

My name is XXXX XXXX I need my dispute claim Claim Reference Number : and Claim Reference Number : XXXX and Claim number XXXX to reopen and reinvestigated and appeal because I disagree with the dispute decision because I did contact the business but they couldnt help me they say to contact my bank to dispute. My name is XXXX XXXX XXXX and contact me at XXXX and update for both claims y'all never send me my reject denied letters so please resend me both of them in the mail to XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX for both claims and upload those two rejected letters to the complaint respond because I never got them and I don't know why they both got denied and closed out for without a letter stating the reason for both claims so I want y'all to reopen my two claims and investigate it again and give me a credit for it for both of them in mail by a check to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX because the account is closed out I want a check for both claims for the total amount etc. My name is XXXX XXXX XXXX and contact me at XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX XXXX I have been contacting Equifax to update my personal information. Today I pulled my report and see that all of the incorrect information that was removed from my credit report was put back on my report. 

In XXXX XXXX fraudulent accounts were opened under my credit information, XXXX of the accounts was opened with XXXX XXXX XXXX with a reporting address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. XXXX XXXX XXXX determined this account to be fraudulent and removed the information from my report. However Equifax keeps the address on file regardless of the number of letters, police reports, and phone calls. 

Inquiries, XXXX in total, that were removed by Equifax as of today XXXX XXXX, XXXX have been added back to my credit profile. Collection accounts that were removed by the company were also added back to the report.
Product: Debt collection

Midland Credit Management INC calling me XXXX  times a day threatening to sue me. Im a victim of identity theft fraudulent charges. I dont know this company I havent signed a contract with them. Customer service is rude very aggressive. One of the customer service representatives told me if I didnt pay. I would be arrested on the spot. I could face XXXX XXXX imprisonment with felony charges if convicted. The representative told me they would take my car and have my child placed in froster care. Ive ask them to send me a contact with my signature to validate this debt they have refused to cooperate with this matter. They have continued to harass me over XXXX XXXX for a debt I dont owe
Product: Checking or savings account

Ive been banking with Citizens bank since 2017  and it has been the worse experience ever. Ive been hit with several overdraft fees from this bank authorizing charges with no money in the account after I argued with this bank millions and millions of times. I was even told I have some type of over draft protection on my account yet I get charged with XXXX of dollars worth of overdraft fees. I spoken to a supervisor name XXXX who gave me a hard time just Authorizing my account just to look at the account after I offered to give her my ssn she refused to take the ssn the turned around and asked for it. On XX/XX/XXXX I also spoke with XXXX who was also incompetent and was a waste he would not tell me his boss name after I requested to speak with his boss. This bank is stealing from me and Im sure a lot of people who bank with them as well. Im currently closing this account because I dont trust my money in this account. I have transferred money to this account that dont post and when I question this bank they dont know. They are thiefs and liars and this is my first point in contact before seeking legal action on this bank.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep disappointment and frustration regarding the repeated attempts to correct the issue of late opening. It is imperative to address this matter promptly and effectively to ensure fairness and transparency in the process. 

Despite assurances and previous attempts to rectify the late opening problem, I regret to inform you that the issue persisted. This recurring problem not only disrupts the proceedings but also undermines the confidence and trust of participants in the integrity of the process. 

Therefore, I urge you to take immediate and decisive action to address the root causes of the late opening problem and implement robust measures to prevent its recurrence in future rounds. It is essential to demonstrate a commitment to accountability and transparency in resolving this issue and restoring confidence among all stakeholders. 

Furthermore, I request transparent communication regarding the steps taken to address this matter and ensure the timely opening of future rounds. Timely and clear communication is crucial in rebuilding trust and confidence among participants. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX : {$75.00}.