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

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX DEPT OF EDXXXX  XXXX Balance : {$7300.00} DEPT OF EDXXXX XXXX Balance : {$44000.00} DEPT OF EDXXXX XXXXXXXX Balance : {$20000.00} DEPT OF EDXXXX XXXXXXXX Balance : {$22000.00} DEPT OF ED/XXXX  XXXX Balance : {$2400.00} XXXX  XXXX XXXX Balance : {$4400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Debt collection

Security Credit Services LLC. has adopted illegal credit reporting practices. This company is varnishing fraudulent information onto my personal credit report. I have not authorized this company to receive any of my information. This account is fraudulent.
Product: Student loan

Since Navient became the service company for some Sallie Mae loans, I have had nothing but wrongful handling of my loans. Over the last few years, I have been told I no longer qualify for forbearance or in-school deferment on any sort. I did qualify for a hardship 1 % interest rate reduction program that I was told depends on my financial statement and income driven. The last two times I agreed to the program, I was paying 1 % of interest only, which was $ XXXX/mo. and today I reapplied was suddenly was given a 2.75 % rate for the same program, leaving me with $ XXXX/mo., which I explained I will have no way of paying. I tried to ask for some understanding that those loans were signed 16 years ago and that this payment is absolutely insane even at their suggested reduced rate. I was only told that I should have understood terms and conditions of those loans as a responsible adult. 

I spoke to a supervisor, then manager and was denied a document that explains how their system calculates the new 2.75 % rate reduction rate and was told it is NOT income driven but merely a courtesy program for those in hardship. Neither the supervisor nor the manage were able to further explain why I no longer qualify for the 1 % interest payment. I was quickly reminded of my large sum obligation and told the next step would be to remind my co-signers of their obligation as well. 

I asked for a written explanation of the program and was denied the request, again being reminded of my debt. 

My first complaint is that there is no explanation of changes to the rate reduction program and refused a written document. My second complaint is that the terms I agreed to over the phone recording always state that the rate reduction payment does not rid any additional interest accrued, making it very clear that any interest I would have paid with a pull interest only payment, would be added to the total balance of the entire loan regardless. I understand that the reduction plan of 2.75 % /mo. only keeps me from being delinquent, but does not actually narrow any of the original interest built and piles additional interest on top of the original interest to the total sum of the loan. But why, they can not explain, just say that " this is a courtesy plan and interest is stackable, which you agreed to ... ''
Product: Credit card or prepaid card

Subject : Complaint Against Upgrade Credit Card Services for Unjust and Deceptive Practices Dear Consumer Financial Protection Bureau, I am writing to lodge a complaint against Upgrade Credit Card Services, which has engaged in what I believe to be deceptive practices and false advertising, leading to a significant, unjustified drop in my credit score. 

In early XX/XX/2023, I was solicited by Upgrade to apply for a loan via my login page. The advertisement explicitly assured me that " Checking your credit will not affect your score. '' Relying on this assurance, I submitted the loan application, believing it would have no adverse impact on my credit score. 

However, on XX/XX/2023, without any prior notification or explanation, Upgrade lowered my credit line to the balance owed, which was approximately {$5300.00} at the time. This action pushed my credit utilization to 100 %, leading to a dramatic decrease in my credit score by over XXXX XXXX.

What's more, Upgrade has requested my bank statements to complete the loan application review the very application which was supposed to have no negative impact on my credit score, but instead was used to justify the reduction of my credit line. I see this as a direct contradiction to the promise they made that my credit would not be harmed. 

The reasons provided for the downgrade, sourced from XXXX, were 'recent high obligations, ' 'high proportion of bank issued installment accounts, ' 'recent over limit on bank issued card, ' and 'inconsistent trend in use of non-mortgage accounts. ' These reasons are vague and do not correspond to my credit habits or history. Furthermore, they do not justify the considerable decrease in my credit line and the subsequent harm to my credit score. 

I am of the belief that this constitutes a clear violation of the law, and it is my intention to seek damages for the harm this has inflicted on my financial health. I have asked Upgrade to rectify the situation immediately, including restoring my credit line and taking necessary measures to repair the damage to my credit score, but I am yet to receive a satisfactory response.

I kindly request your intervention to investigate this matter and help ensure that Upgrade is held accountable for its actions. I hope my experience can lead to better regulation of these practices in the future to prevent others from facing similar circumstances. I have never been late, and my score is XXXX XXXX higher than when I took this card/line. 

Thank you for your attention to this matter. I am happy to provide further details if necessary. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/year> @ XXXX I received a text message where someone was trying to use my debit card at a XXXX. 

PayPal : Did you try to use your PayPal Debit Card XXXX for a {$400.00} USD purchase at XXXX # XXXX? Reply YES or NO. Text STOP to turn off texts for this card. 

Thankfully I was up and replied NO instantly which locked my card. But a transaction of {$150.00} was about to get through and was withdrawn at XXXXXXXX XXXX. I got a email showing this transaction was made in XXXX XXXXXXXX XXXX. Im in California. 

There were also many unsuccessful attempts after for the amounts of {$300.00}, {$200.00}, {$20.00}. And a XXXX transaction attempt for {$100.00}. 

With all these details and information I thought it was pretty much cut and dry evidence, But PayPal denied my dispute immediately hours after filing, saying these transactions are consisted with your payment history
Product: Checking or savings account

This complaint is on Citibank. 

I have a Checking account ( Joint with my spouse ) at Citibank. 

We scheduled a Credit Card payment to XXXX XXXX for {$80.00}. In the process, we accidentally selected the Citibank Checking account as the source for making the above payment. It was an accidental selection because, we have another checking account at XXXX XXXX, which is what we intended to select, but by mistake, we selected the Citibank Checking account as the source for making this payment. Citibank account had insufficient funds to clear this payment. 

A few days later when I logged into Citibank, I realized I had selected the wrong account for paying XXXX XXXX. I went and made the {$80.00} payment to XXXX XXXX Credit Card, from my XXXX XXXX account. But XXXX XXXX said, since the first payment was already under process, they will do the first attempt to withdraw and two additional retries to draw funds from my Citibank Checking account. 

The issue with Citibank : On the Citibank Checking account, for each attempt made by the Credit Card company to withdraw funds [ 1st attempt + 2 additional retry ], they charge me {$34.00}. In total, 3x {$34.00} = {$100.00} as Check Return Fees. 

Citibank also said even if the ACH Transaction was for {$1.00}, and there were 3 retries made, it is the same {$34.00} for each check return fee. Which is unfair. 

Citibank has no way of issuing a stop payment for retry attempts made by XXXX XXXX. And XXXX XXXX does not have a way to stop retrying. It's a Bank XXXX that these large banks have formed in XXXX, to say their software can not be modified to stop the automated process of retrying or detect retry and stop payment, with a clear intent to charge their customers the exorbitant amount of money, on both sides. i.e. XXXX XXXX charges me for returned ACH Payment, and Citibank does the same. 

It should be a shameful practice by banks to say they can not modify their software, as it allows them to charge their customers fees, which helps them earn their profit and bonuses every year. In XXXX, Software can be modified, to do what is right for the customers and banks, but banks are not willing to modify it as it will hamper their source of XXXX money made from Customers who try to make ends meet. 

Though XXXX XXXX is only presenting one ACH Transaction, and just doing retries to withdraw the funds, Citibank counts each try made by XXXX XXXX as a new ACH Transaction and charging an exorbitant amount of fees ( XXXX money ), from their customers like me who are struggling to make ends meet during such tough times.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified account, COMENITYBANKXXXX, is still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Checking or savings account

I received a text message and an email from chase, telling me that action was required and that my account was restricted and may close soon. I immediately called chase and was told they could not give me a reason for the closure and that there was nothing I could do. I informed them that my payroll department had already submitted my direct deposit and it was set to hit my account on XX/XX/2024. They told me that it will not show in my account until 2 business days after the initial deposit date, and at that point I would have to visit a Chase branch and speak with a banker to see if they could give me my money in person. 

I called chase at number XXXX yesterday because I saw my direct deposit hit my account and I just wanted a refresher on what I was to do to get my money. I spoke to a gentleman who told me the same thing I was told previously, except he told me the check for the remaining balance in my account would be sent sometime around XX/XX/XXXX, which I dont understand, I already had to wait 2 business days after my direct deposit hit, and now I was told I would have to wait longer. I was pleasant thanked him for his explanation and ended the call. 


Today XX/XX/2024, 3 business days after my initial deposit date, I did what I was instructed and I visited my local chase branch and all they told me was that chase decided to end their relationship with me and that I would be receiving a cashiers check in the mail in about 11-16 business days. I can not wait that long I have several bills and rent due and its not fair I havent done anything wrong. I did nothing wrong I need my direct deposit as soon as possible.
Product: Credit card or prepaid card

We have an unauthorized charge on our card. After numerous 2 hour hold times to get a rep, entering a dispute we receive a letter telling us the charge is valid. We have never done business with the merchant, don't know who they are, and never authorized the charge. We call the number on the card again, and after 45 min on hold they tell us we have to call the accounts security dept - another 2-hour hold and we hung up. 
Transaction Type Debit Transaction Description XXXX XXXX XXXX XXXX Fl  XXXX Date Cleared XX/XX/XXXX Amount - {$9.00} FI Reference Number XXXX Next issue : Suntrust has had a problem delivering our statements to our email since XX/XX/XXXX. After another 1 hour hold, the rep says they need to rebuild our profile. Now the statements are working, but they keep trying to charge us a late fee after they admitted the issue and refunded the original late fee of {$29.00}. We can't pay what we can't see and again are told we need to talk to account security - same as above 2 hours then we hang up. 
Transaction Type Debit Transaction Description Purchases {$1.00} XXXX XXXX {$0.00} XXXX Date Cleared XX/XX/XXXX Amount - {$1.00} FI Reference Number XXXX Needless to say, we have closed this account and moved to XXXX where our other business is well served. However, the above issues linger.
Product: Credit card or prepaid card

i have unauthorizations charges on my XXXX XXXX card on XX/XX/20 one for {$2.00} and {$250.00} And {$1.00} And {$1.00} and on {$2.00} And {$1.00} and {$1.00} cash app the phone number is XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account # XXXX ( XXXX ) and account # XXXX ( SYNCB/CARECR ) has violated my rights 15 U.S.C. 1681 Sec. 602A states I have the right to privacy. 

15 U.S.C. 1681 Sec 602A Section 2 it also states a consumer reporting agency can not furnish am account without my written instructions.
Product: Credit reporting or other personal consumer reports

I filed disputes with all XXXX credit bureaus on XX/XX/2024 & XXXX 2024 to validate my debt & signature from both the collection & originating agency, as well as filed a complaint with the XXXX. It has been over the XXXX response time still with no answer. Pls have them delete all unfavorable/derogatory remarks & credit information from my file due to no validation, no agreement with collection agencies, wrong information, & suspicious fraud/criminal activity that compromises my identity which is XXXX of my personal information has been leaked on the XXXX  web. Also, LVNV Funding reopened a closed account for no apparent reason. This account should be deleted immediately. ( ( Pls. Note all agencies on pics provided have been disputed to all XXXX agencies with no response well after the XXXX time frame. ) ) Thank you.
Product: Debt collection

On my credit report it shows I owe {$870.00} toXX/XX/XXXX. I paid that years ago when I disconnected my phone line and switched toXX/XX/XXXX There's no reason why I should owe {$870.00} when my phone bill was $XX/XX/XXXX monthly. That would mean I had service continuously for another 10 months after I processed my cancelation. I've reached out to no avail and they still say I owe it so I have given up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX
Product: Credit card or prepaid card

Octapharma Plasma, Funds {$350.00} and change apparently stolen in another state. 
It has been over a month, the company has not put money back and now my identity is being used, my bank account, my cell phone is intruded on. 
I need the money back on my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ).

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 


Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA.

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, Please investigate these matters and remove the disputed items as soon as possible. 


Inquiries XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX ) XX/XX/2021 XXXX XXXX XXXX XXXX  ) XX/XX/2021 2021
Product: Credit reporting or other personal consumer reports

The following is response to complaint ID 's XXXX XXXX The following hard inquiries were not added on those reports XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/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 reporting or other personal consumer reports

Account is showing a high balance of {$3900.00} comments : unpaid balance charged off account was paid in full through a garnishment on XX/XX/year> 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different accounts numbers and yet they are never investigated nor removed. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.
Product: Credit reporting or other personal consumer reports

This account was sold to XXXX XXXX XXXX in XX/XX/year>. Navient did not have possession of the three loans reporting late payments on all three credit bureaus when XXXX was sold the account in XX/XX/year> XXXX. {$780.00} XXXX. {$2200.00} XXXX. XXXX