23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I was encouraged by Verizon  XXXX to open a Verizon credit card to save money on my bill by enrolling in autopay on my credit card. I was also promised cash back on my purchases on this card which could be applied to my verizon XXXX bill. The bank card was SYNCHRONY BANK visa phone number XXXX. They closed my account after processing over {$5000.00} in charges and payments. I found out about this closure when I went to use the card and it was declined and I called to find out why and found out they had closed the account. When I opened the account they said that I entered my banking info wrong. I corrected this and processsed two charges and one payment after this fact that were not declined. Only weeks later when I went to use the card again was I made aware that I no longer had a card. I had accumulated {$62.00} in rewards points which I was trying to redeem but I was transferred three times to different departments that ended up back on the first one with a recorded loop that would not give me any options for redeeming these points. First of all, they closed my account after they accepted charges and payments that went through just fine. Second of all, they did not alert me to the changes, I found out when my autopay did not go through and I ended up being billed {$50.00} more for that month 's charges. THird, they did not give me my bonus money back. Numerous calls to both verizon and synchrony have ended with each pointing me to the other and nobody resolving the issue.
Product: Credit reporting or other personal consumer reports

I HAVE CONTACTED CAPITAL ONE CONCERNING THIS ACCOUNT THAT'S FRAUD AND OPEN UNDER MY NAME THEY DID NOT CALL OR VERIFY INFORMATION ABOUT DEAL I APPLY FOR CREDIT IT APPEARS ON MY CREDIT REPORT THAT THIS IS A THEFT IDENTITY FRAUD ACCOUNT I ALSO SENT THEM COPIES OF POLICE REPORT CASE NUMBER AFFIDAVIT
Product: Bank account or service

I filed for fraudulent activity on my account ending in XXXX for XXXX. Bank of america only submitted one as fraudulent then went on to reverse the transaction without any explanation or followup. They credited me XXXX - i didnt file a claim for XXXX. I filed a claim for XXXX individual withdrawals for XXXX each. My claim on account was reversed and now is overdrawn by almost XXXX dollars and being charged fees everyday. Not one person has reached out to me and when I tried to contact XXXX XXXX again, left multiple voicemails without a single call back
Product: Bank account or service

BB & T failed to alert me that my account was accumulating fees from authorized transactions for more than XXXX week resulting in {$900.00} in overdrafts and other fees. Each dispute I made for these fees was ultimately denied by BB & T and I was left to pay these fees on my own. After a month of being in the negative status, BB & T made an unauthorized transfer of {$900.00} from my savings to my checking account to cover these fees. I set up arrangements to pay off the fees before the stated deadline, however, the bank transferred the money from my savings account without my permission a full XXXX weeks prior. I called in to speak with several representatives and a XXXX, who advised that they were in their right to make this transfer without my permission. This seems very illegal.
Product: Bank account or service

My wife died on XXXX XXXX 2016. Soon after this various checks and debit transactions began hitting my account and they were not incurred by myself. During this period my dead wife 's XXXX card and some checks were taken without my knowledge. During this period I was under a tremendous amount of stress and did not catch them at first. When my eldest son ( he has POA over me ) brought them to my attention I contacted the bank IMMEDIATELY! Then my bank ( formerly Metro Bank ) First National Bank of PA I received somewhat of a run around about POA papers for my son and that by the time they looked at my account ( seemed to be a lot of foot dragging ) that more than 60 days had passed and that they were no longer responsible for the bad charges and while police were notified about the thefts from my account the bank stuck to their 60 day claim and I have yet to see picture XXXX of any of the transactions that were committed including ( XXXX ) XXXX checks in approximately 2 weeks. I was returned {$1100.00} but I feel this is totally inadequate and I want the guilty people prosecuted
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these accounts ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX is still reporting on my XXXX and Experian report. Its been removed from XXXX. I was told that its not reporting on my credit report it still is. XXXX XXXX has stopped all calls and email regarding the debt. It was stated that its no long reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XX/XX/2023 Consumer Financial Protection Bureau Subject : Complaint against Equifax, XXXX, and XXXX for Violation of Consumer Rights and Failure to Address Disputes To Whom It May Concern, I am writing to file a formal complaint against Equifax, XXXX, and XXXX regarding the inaccurate and negative information they have reported on my credit report. This complaint is in connection with their blatant disregard for my consumer rights, lack of response to previous disputes, and failure to provide proper verification for the alleged debts. 
I have diligently followed the appropriate procedures to dispute the negative items on my credit reports that I believe to be inaccurate or misleading. Despite submitting disputes, none of these credit reporting agencies have honored my requests to rectify these inaccuracies. This repeated lack of action on their part is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Furthermore, I have not received any adequate method of verification from Equifax, XXXX, and XXXX to substantiate the validity of the reported debts. As per FCRA guidelines, I am entitled to receive detailed information about the method used to verify the debts in question. The agencies ' failure to provide this information further exacerbates their violations of my consumer rights. 
The accounts in question are as follows : XXXX. XXXX  XXXX - Account Number : XXXX XXXX XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX. - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Due to Equifax, XXXX, and XXXX 's negligent actions, my creditworthiness has been unfairly impacted. This not only affects my ability to secure loans or credit but also imposes severe financial hardships upon me. I am therefore seeking monetary damages of {$1000.00} for each violation of the Fair Credit Reporting Act, totaling {$6000.00}, to address the undue distress and harm caused by their actions. 
I kindly request that the Consumer Financial Protection Bureau investigates this matter promptly and takes appropriate action against Equifax, XXXX, and XXXX for their repeated violations of my consumer rights. I trust that your agency will work to ensure that my credit report is accurate and fairly reflects my credit history. 
Enclosed with this complaint are copies of the previous dispute letters I have sent to the credit reporting agencies, as well as any correspondence or responses I have received from them. Please do not hesitate to contact me if any further information is required to assist in the resolution of this matter. 
Thank you for your attention to this important issue. I look forward to a prompt and thorough investigation into this matter and the resolution of the violations I have outlined. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This is my second time filling a complaint against Transunion for reporting incorrect informations on my credit report. This specific time is about an account which was re-aged from my credit report : XXXX XXXX XXXX XXXX XXXX  # XXXX. This was for first time reported as closed on XXXX, XXXX  from Transunion data, but from 5 months ago this account was showing open while it's closed. From 2 months report this account shows closed with 2 differents dates. I know this a serious violation of the Fair Credit Reporting Act. This account contains so many errors, but Transunion keep rejecting all my evidence and maintain this account to harm my credit score. Transunion can help me understand how the last payment showing XXXX and XXXX? Where did they get all these informations while XXXX wasn't able to verify this account which they deleted? 
The payment history is horrible, creditor informations is incorrect, closed date re-aged, months reviewed is wrong. 

How long should I dispute these erroneous informations with Transunion? With all evidence, they continue to report wrong information and re-age accounts from my credit report. This is not fair! I'm demanding immediate deletion of these inaccuracies from my credit report. 

I attached to this complaint a copy of XXXX and a copie of XXXX as a proof of deletion of inaccuracies from my creditreport. Transunion can explain to me why are they still reporting wrong informations on my credit report while to others credit bureaus wasn't able to verify any item? Why do they re-aged account? Is it reasonable for them to violate people 's right intentionally? I want them to delete these innacurate informations and send me a copy updated of my credit report. 

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX. Account # 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, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c- 2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opend : XX/XX/XXXX Balance : {$8800.00} ; XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX Balance {$24.XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing Navients correspondence I believe that the loan that they have put on my credit report may reflect a separate loan from the one allegedly transferred to them from XXXX a loan not covered by the Promissory Note that I signed XX/XX/XXXXXXXX XXXX 
The reasons that I hold this belief are : XXXX. In XXXX, the address that Navient had for me differed from that which XXXX and the national student loan database, NSLDS had on file. The XXXX XXXX address that XXXX and NSLDS had on file was correct. XXXX had been sending me mail to that address for some time. The XXXX address that Navient had on file was a former address at which I had resided previously. This discrepancy indicates that the loan that Navient is referencing on my credit report is actually for a different, unrelated loan associated with the XXXX address. 
XXXX. The loan amounts that XXXX and Navient claimed that I owed differed. This difference indicates that the loan that Navient is referring to on my credit report differs from the one allegedly transferred from the one transferred to them from XXXX. 
XXXX. In XXXX, Navient asserted that that my loan was 228 days late. However, XXXX clearly stated to me in their XX/XX/XXXX correspondence to me that Due to the in-school status the loan was current at the time of transfer. Again, this discrepancy indicates that there may have been multiple loans at play. 
XXXX. Another indication that Navient is referring to a different loan on my credit report is that there are unclaimed funds being held by the State of Michigan for monies returned by Navient to me that relate to my former XXXX address.
Product: Vehicle loan or lease

On XX/XX/26 Alliant Credit Union reposed my vehicle. However, my was and still is in good standing. They were in breach of contract. They have not offered to remediate their breach of contract. They did have my vehicle returned. I dont feel this is enough. They are trying to sweep this under the rug.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 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: Mortgage

We have recently been informed that the investor/owner of our mortgage ( investor ) made the decision to apply the amount we have overpaid to our principal balance instead of refunding it as our escrow account surplus. It was told to us that the investor has the right to do whatever they wish with the money that was paid to XXXX XXXX XXXX ( XXXX ) during our mortgage modification trial plan ( modification trial ). Upon review of the paperwork supplied with our modification trial we discovered that the amounts paid ( approximately {$10000.00} total ) were actually required to be applied to the oldest owed mortgage payments but the money was not. Nowhere in our paperwork does it indicate the investor has the right to do anything except apply it to the oldest owed mortgage payments. Instead the money was applied to our escrow account by the investor when we did not move forward with the final mortgage modification. As the money was in our escrow account at the time we became current on our mortgage we are owed that money as an escrow surplus. In a XX/XX/2018 telephone conversation we were assured by the investors representative that we would be paid any escrow account surplus at the time we became current on our mortgage, which happened XX/XX/2018. We made financial decisions based on that representation and the escrow analysis letter we received. Or conversely if the payments had been applied to our oldest owed mortgage payment we would have not had to pay nearly {$10000.00} additional funds to bring our mortgage current placing a serious financial burden on us.
Product: Credit card or prepaid card

I never opened a direct express account and am a victim of identity theft and fraud. I need to cancel the cards and retrieve any fiunding that was taken from me as it is my stimulus check.
Product: Bank account or service

Some years ago ( approximately 2010 ) I opened what I considered to be a Line of Credit with variable rate through Citibank. Citibank, according to my monthly statements, terms this as a " Variable Rate Equity Source Account ''. Total amount that I requested was for {$140000.00} of which I used {$100000.00} or so. What I do not understand is that no matter that the interest rate varies, and I have made two payments totaling {$2000.00} strictly towards principal my principal balance hardly decreases. Even when I paid down the principal the bank still went ahead and based their following month 's interest accrual on the total prior to the principal payment. The interest rate never varies in total ; each month at least for this year it is averaging at 5.30 %. So my total monthly payment which includes principal and interest never changes much from approximately {$450.00} give or take a few dollars. 
I have gone into the bank to ask why this is, and the rep. told me that while the interest rate is variable it 's still based on prime + spread. I find this to be very deceiving as I do not understand why I have to be charged extra ( spread ). 
It is exceedingly difficult for me to understand if I entered into a contract understanding that I will be charged a variable rate that I am in reality paying what amounts to be a fixed rate. Again as I mentioned above my average monthly statement is for {$450.00} give or take a few dollars. This is not right in my opinion. 
Also I have to complain about Citibank 's procedure for paying down on my principal. I feel they make it very difficult for a customer to do so as I was told that I needed to mail a check stating it 's for principal with the excuse that only the particular department it goes to can handle the transaction. I was told that it was impossible to even make an online payment towards principal. I can not understand why in the internet age this is not possible ... or to have a bank clerk process the transaction! What I feel is Citibank knows a snail mailed check will most likely not reach them in time for the principal balance to be decreased thereby allowing them legal right to charge interest based on a higher principal balance. It is, to me, basically ripping off customers.
Product: Credit reporting or other personal consumer reports

Over the last 15 years I have been a victim of identity theft and have taken my personal credit very serious. In early XXXX of XXXX after almost 10 years I went to purchase a new vehicle at a dealership in XXXX XXXX Ca XXXX 

Upon the purchase process it was brought to my attention that several addresses were listed that I never lived at. In addition, I noticed an account opened over the internet in or around XX/XX/XXXX. Having no prior knowledge of this account I was forced to contact law enforcement to report identity theft. 

Moving forward and during this process I was forced to file a formal report with the XXXX XXXX Police Department as well as file a affidavit of identity theft with law enforcement along with all three major credit bureaus. In addition, I was informed that there was an account opened under my name completely done over the internet. Furthermore, there was a loan issued under my name in the amount of ( {$65000.00} ) which was identified by law enforcement as forged signatures, depository information was fraudulent and not in my name, and to date no payments have ever been made on the account in question. 

In closing, over the duration of the last eight months I have sent in law enforcement reports, affidavits and all necessary documentation to formally block the account which was opened fraudulently including but not limited to names, addresses, and phone numbers not associated with me. Over the duration of time Experian, XXXX, and XXXX has refused to " Block '' the information. Instead, the credit bureaus continue to send me erroneous letters outlining their investigation but has refused to outline what was or what was not validated. They have refused to follow both State and Federal governing laws. I have requested and demanded for them to follow statue and they have refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

BBVA/Compass Bank continually reports on all three credit bureaus that I am late or unknown data or " charged off '' on an account that has originally been charged off for almost two years. # XXXX The reporting and status information is never 100 % correct, yet they refuse to remove the account from my credit reports. Furthermore they never list the full account number that I previously listed, so as to confuse me and make disputing the inaccuracies very difficult. 

Furthermore this account has recently been sold/transferred to XXXX XXXX # XXXX and should have a {$0.00} amount as such. Also since the account is closed with a {$0.00} amount it should be removed from my three credit reports immediately.
Product: Credit card

Bought a set of XXXX tires promotion related to this sale was a XXXX debit Visa card issued by CITI bank. Card arrived by mail today XXXX/XXXX/2017 and expiration date on card was XXXX. Tried to activate card. Was not able to. Called their customer service which was horrible and no help with first person so I asked to speak to supervisor. Supervisor was XXXX employee no. XXXX. I asked her if they could reissue a new card due to the late arrival of my card. She said she could not and was also of no help so basically I am now out XXXX dollars due to a postal service XXXX up and total lack of customer service from CITI.
Product: Mortgage

My mortgage company is Statebridge LLC have never received my escrow analyis for the upcoming year, have called several times to request it and find out what the new payment is due XXXX XXXX, still no response. They do not return calls, emails or faxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX, 2023 RE : XXXX To whom it may concern, I, XXXX XXXX, never gave Any Consumer reporting agency verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report DOES NOT INCLUDE ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; As a consumer, I am demanding a deletion of ALL inquiries listed on my consumer report.