23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I visited a Chase branch at XXXX XXXX XXXX, XXXX, CO on XX/XX/XXXX at around XXXX to get something done. Then, the branch person I was talking to, whose name is XXXX, asked me if I want to upgrade my credit card. I had a Chase XXXX XXXX and knew that I would be automatically upgraded to Freedom Unlimited after one year upon staying in a good standing, so I thought he meant it was possible to proceed with the upgrade without waiting for a year. I expected the process to be something different from applying for a new credit card. 

However, the morning of XX/XX/XXXX I received a letter stating that my new application for XXXX XXXX XXXX was denied, and that was when I realized the application he worked on yesterday was the very same thing. I was confused and shocked because I thought my upgrade was already secured and I thought XXXX simply proceeded with the necessary steps, not a whole new credit card application. I even wondered if he was aware of Chases offer of automatic upgrade from XXXX XXXX XXXX  If he knew that, he could have added an question to avoid my confusion, such as I know your automatic upgrade is coming in a few months, but would you like to apply for Unlimited rather than waiting? In that case, I would have realized what he was trying to do and I could have said no. 

Since it is a weekend, Im still unable to call the Chases customer service.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my XXXX  COMPLAINT, and I'm including it again XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance XXXX {$15000.00} XXXX XXXX XXXX Balance  : {$0.00}.
Product: Checking or savings account

I had just paid XXXX with my debit card for an amount of {$120.00} so my services to my cable would not get interrupted because I moved out of my previous apartment and transferred my services on XX/XX/2018. 

XXXX ended up drafting money out of my Chase checking account for {$370.00} which i did not authorize and I had already had charges pending on my account and XXXX allowed this transaction without my permission. 

and now I have 3 insufficient fees of {$34.00} which totals {$120.00} and now my account is over drawn - {$500.00} dollars I've contacted XXXX, and also I've contacted FCC as well as the FDIC on this issue and I did submit an complaint with the CFPB and I am not getting a response in regards to this problem on my account I get Social security and is on a fixed income this problem needs to be addressed immediately thank you.
Product: Debt collection

I sent LVNV Funding LLC a cease and desist on reporting my information to the three credit reporting agencies. LVNV Funding LLC has already received notice that i refused to pay this alleged debt because they illegally bought my information from XXXX XXXX without my written consent. LVNV Funding LLC is now civilly and criminally liable for violating my consumer rights. LVNV Funding LLC has yet to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my transunion credit report file number XXXX, Tradeline " XXXX XXXX XXXX '' it states under pay status " Account 30 days Past Due '' .I have paid this account off in 2017.It should say under Pay status '' Account paid off and closed '' not 30 days past due.
Product: Credit reporting or other personal consumer reports

I have been fighting the past 3 years with Experian, XXXX and XXXX in reference to my credit report still showing XXXX delinquent/ late payments for XXXX XXXX for an auto loan. I have submitted documentation to all XXXX Bureaus stating my payments were never late or missing per the Chapter XXXX I filed in XXXX. I even submitted the payment schedule to XXXX 's Bankruptcy dept and their customer service. 

No one seems to want to correct this information to reflect payment in good standing as being paid on time and in full per the agreement. 

None of them can seem to explain the error or verify it.
Product: Checking or savings account

Numerous fraud charges to my account Ive followed the claim process and was told Ill see a credit within 10 days which was XX/XX/year> here it is way after the 10 days and every time I call Im lied to saying it will be there after XXXX XXXX then one lady said by the end of the day every day is a different story then today the guy tells me he dont see any notes on any credit and their still researching when I was told the company havent responded. Lie after lie after lie will I ever get the truth from Bank of America
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  Subject : Follow-Up Dispute and Request for Detailed Investigation Description Dear CFPB, I am writing to follow up on my previous dispute filed on XX/XX/XXXX regarding inaccuracies on my credit report. The issues remain unresolved, and I am requesting a detailed description of the investigation process your agency conducted, as required under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ). Credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 
I recently reviewed my credit report and noticed that the account detailed below continues to show inaccurate late payments. According to my records, I made all payments on time for this account, and the reported late payments are erroneous. I kindly request that you reinvestigate this account and update the inaccurate information promptly. 
Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX High Balance : {$6300.00} ( Discrepancy : Does not match across bureaus ) Last Verified : XX/XX/XXXX ( Discrepancy : Missing in XXXX and XXXX XXXX Date of Last Activity : XX/XX/XXXX ( Discrepancy : Does not match across bureaus ) Closed Date : XX/XX/XXXX ( Discrepancy : Only reported by TransUnion ) Account Status : Closed ( Discrepancy : All bureaus show " Closed '' ) Last Payment : Missing in XXXX Credit Limit : Missing in XXXX Reported Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on TransUnion XXXX XXXX and XXXX XXXX 
Violation of Federal Laws : 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) : My consumer report should not contain information solely as to transactions or experiences between the consumer and the reporting entity unless they are accurately reported.

15 USC 1666 ( b ) : Agencies must ensure periodic statements are mailed at least 21 days before the payment due date.

15 USC 1681i ( a ) ( 1 ) ( A ) : Requires a thorough reinvestigation of disputed information.

15 USC 1681s-2 ( a ) ( 1 ) : Prohibits the reporting of inaccurate information to consumer reporting agencies.

Evidence of Error : I have attached my payment records and bank statements showing that all payments were made on time for the disputed months. These documents confirm that the reported late payments are inaccurate.

Request for Action : Reinvestigate the inaccurate late payment entries for this account.

Provide a detailed description of the investigation process, including verification procedures.

If you are unable to verify the late payments, update the account to reflect " Paid As Agreed Never Late. '' Provide documented proof supporting the late payment claims, including dates, amounts, and relevant communications.

Update my credit report within the timeframe established by the FCRA, Consumer Protection Act, and Truth in Lending Act.

Failure to address this matter accurately and within the required timeframe will result in further escalation. I appreciate your prompt attention to this issue and look forward to receiving a response within 30 days. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX around XXXX XXXX, I visited GAP at XXXX XXXX   XXXX in XXXX, Minnesota. I went to purchase 3 pairs of jeans. The sales associate asked if I had any points or coupons to use. I said no. The sales associate then said I would be paying full price for the clothing. I said I knew and that was fine. The sales associate then said something along the lines of " hold on let 's get some sort of discount. I can bring the total down by about XXXX dollars. '' I replied that it sounded great. The associate asked if I had a card with GAP. The sales associate did not specify credit card, so I assumed it meant a rewards card. I said maybe. He asked me to follow the prompts on the card reader to check if I was in their system. The prompt asked for my full 8 digit social security number. This was a red flag to me and I said their system wouldn't have my ssn. I felt uncomfortable and entered my SSN anyway. I wasn't in the system. The associate said no problem, they'll get me added. The associate asked for an ID, and then asked me to follow the prompts on the card reader. The bottom of the screen said " CREDIT CARD APPLICATION. '' I then responded that I did NOT want to apply for a credit card. The associate responded that I would have to pay full price, and I said it didn't matter to me but I would not be opening a credit card. I then completed the purchase. I was really uncomfortable when I left because I was never told I was opening a credit card. The sales associate just automatically started the process with me. This is very misleading and unclear. I decided to return to the store about fifteen minutes later and requested to speak with a manager. I spoke with an individual who I believe to be a manager and explained what had happened. That individual responded that he has never received this complaint before but can talk to the sales associate. That individual then explained to me that credit card sales are a part of the experience of shopping at GAP. I responded that I had no problem with credit card sales, but it's irresponsible to tell me I'm being entered into the system to get a discount, when I'm actually applying for a credit card. The manager repeated that he would speak with the associate and I left. I don't feel like my complaint is being taken seriously, and I think this is very manipulative behavior to try and trick customers into opening credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information about date of birth and employment status on Equifax.
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 XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXXXXXX 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 XX/XX/XXXX XXXX XXXXXX/XX/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: Credit card or prepaid card

Last month I received a notice that I had a check returned from my XXXX account even though I should have had more than enough money to cover the check. 

I went through my transactions and saw several fraudulent charges starting around the end of 2019. 

These charges were done by several international money transfer firms ( see my other CFPB complaints ) as well as online retailers such as XXXX, XXXX, XXXX, XXXX, XXXX XXXX, etc ... 

I immediately contacted my card company, cancelled the card and imitated the fraud claims. 

I did contact several of the companies and was able to get a few to refund the money after I was able to prove I did not make the charges. 

Other companies advised me that they would not refund the money unless a chargeback was done by my card company. Again, see my CFPB complaint against XXXX. 

Yesterday I received a letter from my card company, BNY Mellon. stating that they conducted an " investigation '' and determined that I did make the charges and they were not valid fraud claims. 

There is no possible way any investigation was done since the companies that made the fraudulent charges agree it was fraud and said the best way to get the money back is through my card company. 

I have gone almost a month without access to the money that was stolen from me and my card company that is supposed to be protecting me is refusing to conduct an actual investigation.
Product: Debt collection

This company XXXX XXXX XXXX Account # XXXX Is reporting inaccurate information on my credit report which I do not recognize. They are reporting that I owe {$490.00} from XX/XX/2018. 

Please reinvestigate this company from top to bottom or remove this negative item from my credit report as soon as possible. It has ruined my credit score.
Product: Credit reporting or other personal consumer reports

I received notifications from XXXX, XXXX and Transunion regarding Collections, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX were added to my account that I have no knowledge of and never received any Debt Collection Notice or correspondence from said debt collector. I asked that the collections be removed since by law the Debt Collectors did not notify me of any debts and did not give me the opportunity to request a Debt Validation Letter to dispute the debts. 
The FDCPA requires collection agencies to give consumers specific information in its first communication, which is generally called a " debt validation notice, '' including : the amount of the debt, the name of the creditor to whom the debt is currently owed a statement that unless the consumer, within 30 days after receipt of the notice, disputes the validity of the debt, or any portion thereof, a statement that if the consumer notifies the debt collector in writing within the 30-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector, and a statement that, upon the consumer 's written request within the 30-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( 15 U.S.C. 1692g ( a ) ). 
If the initial communication doesn't contain this information, by law, the agency has five days from the initial contact to provide it to the consumer. ( 15 U.S.C. 1692g ( a ) ). ( The " initial communication '' is the first time a debt collector conveys info, directly or indirectly, about a debt to a consumer. But it doesn't include legal pleadings, including bankruptcy proof of claims, limited content messages, and certain legally required notices. ) I never received a Debit Validation Notice from any of this collection companies which is a violation of the FDCPA. 

Also, XXXX is no longer allowed to service federal student loans, yet the lender remains on my credit report and should be removed. 

Transunion is reporting XXXX Funding as a debt collector, I am in litigation with XXXX funding and have requested that this collection be removed since I have legal representation fighting for me and the validity of this debt. Every bureau has removed XXXX funding except Transunion.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 

XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$750.00}.
Product: Debt collection

XXXX Called ON XXXX  at XXXX XXXX. 

I did not pick up the phone, my Employee did as i was at work and busy, the representative asked " Can i speak with XXXX XXXX '' my Employee said " This is Him '' and BAM without verifying ANY personal information the RMP rep started rattling off debts owed, to who and how much ( XXXX of them ) to a THIRD PARTY. After this when confronted With " You just XXXX  up you verified no information and just violated the FDCPA " the RMP Employee proceeded to say " I Don't have to i just have to ask for the named person '' This phone call was recorded and is attached
Product: Credit reporting or other personal consumer reports

Greetings! It appears that despite submitting an FTC report # XXXX, there are still ITEMS left that needed to be removed. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX TransUnion : XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly late for XX/XX/2019 on XXXX partial account numbers XXXX. ( Please see page 3 of the attached credit report. ) These student loans were consolidated prior to XX/XX/2019 and therefore the lates that are reporting are in error. This incorrect reporting late on a consolidated account is harming my credit score and these line items need to be removed. I have contacted the ( 3 ) bureaus to remove these items however, I have not been successful.
Product: Debt collection

I have never recieved any documents verifying any form of ongoing contract or financial obligation to the company. I have disputed this information with XXXX  and the company has provided false information to XXXX  stating I have an existing obligation to them.
Product: Credit card

When I signed up for the XXXX XXXX XXXX, a " bonus award night exclusively for card members '' was promised on award stays. Recently this benefit was removed. Despite the bonus night benefit being removed, the annual fee is still unchanged at {$75.00}. I have had this card for two years, but with the loss of the bonus night, it is much less useful for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to XXXX and Transunion but they keep on saying that the accounts are accurate and they have verified it..The accounts were not reported correctly and I would like it fixed! Please correct the status because I was never late on my XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to file a complaint against Truist Bank for the mishandling of my business account, personal account, and savings account. In XXXX, I received two wire transfers totaling {$19000.00} to my business account at Truist Bank. However, in XXXX, all my accounts were suddenly frozen due to a corporate investigation that I was initially told would only take 90 days to complete. It has now been seven months, and all my accounts remain frozen, including funds that were not related to the corporate investigation. 

I have made numerous attempts to resolve this issue by visiting the bank branch over 20 times, calling customer service more than 20 times, and sending multiple emails. Each time, I have been given the same response : that the freeze is due to a corporate investigation. However, I have not been provided with any further information or updates on the status of the investigation. Additionally, I was never notified by any form of correspondence from Truist Bank about the freezing of my accounts and the reasons behind it. 

As a result of the frozen accounts, I have had to dip into my savings to cover living expenses, and I feel misled by the bank representatives. This situation has caused significant financial hardship and stress for me and my business. 

I kindly request the Consumer Financial Protection Bureau to intervene and help resolve this issue. I would like the bank to provide a clear explanation for the continued freeze on my accounts, an update on the status of the corporate investigation, and a timeline for when my accounts will be unfrozen. Additionally, I would like to be compensated for the financial losses and inconvenience caused by this situation. 

Thank you for your attention to this matter. I look forward to a swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Three times I have submitted requests to the 3 individual credit bureaus as well as ACS Education Services requesting the inaccurate reporting of the late payments in XX/XX/XXXX & XX/XX/XXXX to be removed for all 4 of my federal loans with acct numbers XXXX, XXXX, XXXX, & XXXX. <P/>The agency reported a timely payment in XX/XX/XXXX, 60 days late XX/XX/XXXX, & 90 days late XX/XX/XXXX for all my accounts. During this time I was struggling with the company to approve my IBR. OnXX/XX/XXXX I spoke to agent # XXXX with ACS who retro-acted my deferment to XX/XX/XXXX to be active until XXXX. I followed up onXX/XX/XXXX, to ensure my account was current was spoke to a man, XXXX, @ XXXX XXXX ( MST ) who stated I was in deferment with a bal of {$0.00} since XX/XX/XXXX. <P/>Every time I have requested the inaccurate reportings be corrected ACS places a remark of " Dispute resolved, Customer disagrees. '' Nothing has been resolved. I was in deferment so the late notices should be removed.
Product: Bank account or service

Cash rebate credit card is co-branded with XXXX XXXX to directly apply cash rebate to a student loan. Follow up with recipient ( a relative ) of my directed cash rebate indicated it has not yet been applied. Letter was written to Barclay Bank, issuer of credit card with a copy to XXXX ( successor to XXXX XXXX ) and sent on XX/XX/XXXX. To date no response has been received from either party.
Product: Money transfer, virtual currency, or money service

Long story short - Wells Fargo let a female do over 60 charge backs claiming they never received the money. XXXX allowed this and stopped investigating and closed it. Wells Fargo investigator said XXXX  needs to claim it its a clear money trail money sent to XXXX than to my XXXX  than to a Wells Fargo which none was authorized by me I even tried to file a ic3 form no one has been any help