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

Equifax mishandled my personally identifying information in a way that let malicious actors access it, along with millions of other Americans. They did not notify anyone for at least a month, and I discovered it through the news instead of immediately through them.
Product: Bank account or service

Rush Card deducted {$500.00} from account for bill pay, but has never delivered. I am allegedly one of many people having this issue. They stated last week that they would be returning funds within 2-3 days, but nothing thus far. View of current statement shows a decrease of {$500.00} in the balance with no explanation. Calls and emails not being answered.
Product: Credit card

First I have been working for hard to improve my credit so I can purchase a place hopefully summer of XXXX. I fortunately have raised it from below XXXX to XXXX since XXXX. I noticed some charges via XXXX of which I am a member but did NOT make. I don't know if an employee was trying to make a vacation for theirselves or someone but I did NOT make these charges. It was also very strange the way the charges were made : XX/XX/XXXX {$350.00} XX/XX/XXXX {$350.00} XX/XX/XXXX {$350.00} credit XX/XX/XXXX {$350.00} credit XX/XX/XXXX. {$350.00} XX/XX/XXXX {$350.00} So the way these were charged, credited, then charged again on the same day doesn't even make since unless someone was trying to somehow work a scam on a vacation. I contacted my credit card company. But because I am a member with XXXX they found the charges legit, but I did NOT make these charges and I am on a fixed income of SS {$1200.00} a month and can not afford to pay these.
Product: Bank account or service

I applied for a Citigold bank account in response to an invitation from Citibank, offering me XXXX XXXX XXXX bonus miles within 90 days of completing XXXX banking activities within 60 days of account opening ( 1 bill payment for 2 months + spending {$1000.00} on the Citi debit card ). I completed the promotion terms in XX/XX/XXXX, and received confirmation from a Citi phone banking representatives that the bonus miles should post " shortly '', but maximum within 90 days, so maximum by XX/XX/XXXX. It is now XX/XX/XXXX, and I have called Citibank multiple times to enquire about the status, and I keep being told that it should come through " soon '' and that they are backed up on addressing such queries. At this point, Citibank is flat out in violation of the commitment they made to me in the offer, and have not made a reasonable effort to remedy the situation.
Product: Credit reporting

There seems to be showing an overdraft account balance of XXXX with my bank from 2002 and I since have paid it off. My account is still the same with the Bank or I would have known about it by now but it is always showing I paid it off.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Reevaluation of Dispute Refusal under FCRA Section 611 ( a ) Dear Sir/Madam, I am writing to formally challenge the refusal to process my recent disputes concerning specific accounts detailed below, as indicated in your recent communication. These disputes were not re-investigated under the premise of Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), which states that previously disputed items without new information may not require reinvestigation. 
Accounts in Question : 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 Reported Balances : {$7900.00} ( Charged off as bad debt ) {$93.00} ( Unverifiable charge-off balance, inaccurate payment history ) FCRA Requirements : Under the FCRA, specifically Section 611 ( a ), consumers have the right to dispute any item in their credit report that they believe to be inaccurate, incomplete, or unverifiable. The act stipulates : Section 611 ( a ) ( 1 ) : " If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file ... '' Section 611 ( a ) ( 2 ) ( A ) : " The reinvestigation must be completed not later than 30 days after the date on which the agency receives the notice of the dispute from the consumer. '' Request for Action : I included new and relevant information in my dispute submission that addresses the historical accuracy and the current status of the accounts in question, substantiating a legitimate request for a new investigation under the terms of the FCRA. The refusal to re-investigate these matters, citing them as previously disputed without new information, does not align with the new evidence provided, thus requiring further review under FCRA stipulations. 
I respectfully request that XXXX reconsider its decision and proceed with a full reinvestigation of these accounts, adhering to all pertinent laws and regulations during the process. I am prepared to provide additional documentation or clarification as needed to facilitate this process. 
Please acknowledge receipt of this letter and inform me about the next steps in resolving this matter. Thank you for your attention to this important issue. I look forward to your prompt and thorough handling of this dispute. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Attention! Don't open a credit card from XXXX. You are not protected from fraudulent transactions like Visa or MasterCard. Put Discover card in your safe and do not take it out of the house! 
This terrible company told me that I was using my lost card for {$280.00}. I only see the online status of the dispute, they did not send me any documents. I was informed by them that the company probably has your first and last name, which coincides with the account. Are you seriously? My name and surname on the credit card? Beware of it and open credit cards with well-known international payment systems.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 my Equifax credit score dropped XXXX points even though my account balances went down by {$2000.00} per their own report on the same day. I logged on to my account and found they had changed my current employer to a company I had never heard of. 

I Called the Equifax support line. Agent could not be heard due to many conversations in the background and static on the line. Said he would report it but have had no return communication other than deleted wrong current employer. Very poor customer service and his attitude was not very empathetic. 

After submitting a dispute and talking to the agent I did receive an email saying they deleted the incorrect data. However I still have no explanation for the score drop of XXXX points. No other agency dropped my score and in fact they have gone up during this same time period.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Fair Credit Reporting Act : 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A creditor May nit treat a payment on a credit card account under a open end consumer credit plan as late for any reason. 

CARES Act : 17 SEC. 4021. CREDIT PROTECTION DURING COVID-19 18 Section 623 ( a ) ( 1 ) of the fair Credit Reporting Act 19 ( 15 U.S.C 1681s-2 ( a ) ( 1 ) ) is amended by adding at the 20 end the following : 21 ( F ) REPORTING INFORMATION DURING 22 COVID-19 PANDEMIC. 



Below are the late Missed Payments in question : XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XXXX XXXX I spoke with a customer service representative with this company and was told I would be on a payment plan and that there will not be any late payments reported a month before and during the pandemic of XXXX.
Product: Debt collection

This was allegedly an amount owed to an eye specialist ; however, I had no outstanding debt to the provider. After my physician left the practice, probably a year or so after I was seen, I was billed {$130.00} out of the blue through a collection agency. Again, I had NO balance due to the provider after my procedure as I had paid all charges. Now, the collection agency is maintaining their negative reporting on my credit reports, although they show it as paid. I dispute the amount was even owed, but likely paid it when refinancing my mortgage in 2019. 

They have not provided me with any proof that the amount was even owed, especially in light of the fact that this was sent to collection at least a year after services were rendered and NO BILL was received by me ; therefore, this account should be completely removed from my credit report. Theirs is the only negative mark on my credit.
Product: Checking or savings account

On XX/XX/year> I was notified by email from the bank that my account had a negative available balance of - {$1200.00}. I tried checking this on my account on the XXXX XXXX  XXXX XXXX and was told my account was closing so I have to call the bank. I called the bank and filed a fraud complaint as I was told that on XX/XX/year> XXXX mobile checks were deposited to my account XXXX of {$4900.00} and another check of {$1400.00}. I told the person at the bank that I did not authorize these checks nor do I know anyone who would try to deposit these on checks on my behalf. I asked how long it would take to regain a new card and my funds that I had before which was {$650.00} in total {$500.00} in savings and {$150.00} or so in my checking account. I was told that it would take XXXX days to receive a new card in the mail and if they determine anything then I will receive my funds in the mail in the form of a cashiers check. I waited XXXX days and received nothing in the mail so on XX/XX/year> I came to the bank in person and I spoke to someone there and was told to return on the Monday which was XX/XX/year> and I would receive my new card and they would write me a check for the money I had in my account. I couldnt return on Monday so I returned on Tuesday XX/XX/year> and I was told that I cant receive anything because the bank decided to close my entire account and that I have to relationship or association with the bank. Also on XX/XX/year> I received multiple letters in the mail from the bank saying my account will be closed and I was also sent a fraud affidavit form to fill out. At first the bank teller in person told me I wouldnt have to fill out the form and to call the fraud centers number on the form and I called and was told that I had to fill it out within XXXX  days and if I dont and or they dont receive it within that time then I will not receive anything because they will assume the situation was resolved. I filled out the form and sent in back in the mail. I asked the person at the fraud center if I would receive my money and a new card and I was told no. On XX/XX/XXXX I went back to the bank in person and I told the person what was said and she asked her XXXX and the XXXX told me it would take XXXX days to receive my cashiers check in the mail. I expressed that the money I had on my account was all I had and that I have no other funds or forms of income and still nothing was done.
Product: Credit card or prepaid card

Never have received any bills in the mail so Ive never known what day my bill is due or Ive never received any online so I recently switched to paperless there are several charges up XXXX XXXX XXXX in Texas and I live in XXXX and they were also some XXXX purchases in late fees were on there and I never got a bill so how my supposed to know when its due to pay I dont believe I should pay the late fees if I dont get a bill. There is also a huge charge of {$360.00} or around that amount to someplace called XXXX. I didnt do any of them.
Product: Bank account or service

I would like to close the checking account ending in XXXX. I spoke with XXXX, XXXX., XXXX, XXXX, as of XX/XX/XXXX, and am being told that my checking account will be closed. I would like to keep the lines of communication open so as to see why they would not qualify me to close the checking account. They seem to want to hold onto the {$110.00} and apply to car insurance and keep me a customer. I still am car insurance customer. I 've been hospitalized before XX/XX/XXXX when I asked to close USAA account and female rep called the police on me and i got processed through XXXX, discharged, and USAA was so mean to me thereafter accusing me constantly of being XXXX. It 's made me very XXXX to deal with USAA and have XXXX. And the XXXX have sent me to XXXX and caused XXXX and me to be uncomfortable. I feel so discriminated against by USAA. confirmation number : XXXX and will send check to po box in XXXX, az and will reflect XX/XX/XXXX. I would like to keep lines of communication open unit I receive check and account has been closed for 90 days. I do n't know why the reps have been so difficult and treated me rudely. They really XXXX and caused me some uneeded XXXX in XXXX amongst XXXX. Not to mention, XXXX XX/XX/XXXX and REP PLACED CALL TO XXXX POLICE AND oFFICER XXXX. When I relocate XX/XX/XXXX, I hope to find a better car insurance company. I can not believe they would be so insensitive and try to make me unsafe and seek XXXX and XXXX just to remain customer.
Product: Checking or savings account

It has come to my attention that Chase and XXXX XXXX are in violation of 12 CFR 1005/Regulation E/Electronic Funds Transfers Act. On XXXX XXXX, an unauthorized purchase for {$380.00} was made with my Access Device ( 12 CFR 1005.2 ( a ) ( 1 ) ), with XXXX XXXX, without my consent. I did not notice this unauthorized transaction due to the fact that I never received a confirmation to my email. On XX/XX/2024, I filed a claim with Chase for a stolen Access device, as I understand the funds are insured by the FDIC, as well as the banks insurance for their own operational risks and assets. As of XX/XX/2024, Chase bank reversed my claim, putting me in overdraft standing and damaging my reputation, stating that " XXXX informed them that a refund was non existent due to their terms '' however, the claim that was made with Chase states clearly that I did not authorize this transaction which is why I requested for a new card. Furthermore, Chase is in violation of 12 CFR 1005.6 ( b ) ( 3 ) Liability of consumer for unauthorized transfers - Periodic statement ; timely notice not given, as it states ; " A consumer must report an unauthorized electronic fund transfer that appears on a periodic statement within 60 days of the financial institution 's transmittal of the statement to avoid liability for subsequent transfers ''. My claim was made 34 Days after the unauthorized purchase was made. Chase is now in violation of 12 USC 1005 and has committed fraud and unauthorized use of an Access Device. The chase representative also stated that by Law they have a right to take the money but refused to explain what law. The EFTA ( electronic funds transfer act ) is the law that governs checking accounts and Access devices, and I have clearly shown that they are, in fact, in violation. An FTC report for fraud will be filed, if they do not return the amount of {$380.00}. Their actions have put my account in a negative standing, which has damaged my persons and I reserve my rights to pursue litigation, without recourse UCC 1-308. Chase bank may not communicate with me outside of the CFPB portal. Chase bank does not have authorization to mail any correspondence to the non-mailable addresses they may have on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

GM Financial offered us a payment plan in XX/XX/XXXX for the remaining balance on our car loan. We could pay the lump sum or spread the payments over six months. We were told that is we chose the six month plan we would not be marked late or have any fees or interest. So instead of paying the lump some we chose the six months plan so we could have the additional payments on our credit which would help boost our score and help us to buy a house. However, GM Financial marked us late for XX/XX/XXXX, then when we disputed it with them, they now moved the late mark to XX/XX/XXXX. We should not have any late payment marks on any of our credit reports for GM from XX/XX/XXXX to current. We have tried many times to get this resolved. This whole six month plan is turned in to being very deceptive and abusive. If this was going to hurt our credit we would not have taken the offer. We would have paid the lump sum. No one mentioned being reported late, rather they mentioned not having late fees. Also, no one reached out when the payment was considered late. It isnt fair that we should suffer this consequence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, DPT EDXXXX, DEPT OF ED/XXXX  XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX Company Inquiries : 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 I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I SET UP A XXXX  PAYMETS OF XXXX XXXX {$1200.00} ( XXXX CENT MORE ) XXXX XXXX {$1200.00} XXXX XXXX {$1200.00} FOR XXXXXXXX XXXX  REF # XXXX XXXX  IS NOT ACCEPTING THE XXXX  THEY COLLACTED THE XXXX PAYMENT NOW THEY SAY THAT XXXX PAYMET CAME BACK THEY TRY TO CALLING ME WITCH THEY NEVERD CALLED ME
Product: Mortgage

In XX/XX/XXXX I applied for a loan modification, during that time my contact person changed several times. Each new person would ask for the same inform that was previously sent. XX/XX/XXXX our home was damaged from a tornado so I called again requesting assistance with a loan modification. Once again I was told to sent in documents ; all of the needed documents were sent in. I once again could not get anyone on the phone because my contact person no longer is in that department. XX/XX/XXXX I spoke with a supervisor who stated he would make sure my information get to the under writing department. All documents were submitted. XX/XX/XXXX I was informed the modification was denied because they could not verify my income, but they have bank statements as well as pay stubs. The person could not tell me what the issue was because all documents have been received and he stated I needed to file an appeal.if I wanted more information on the denial. It is unfair to give me the run around for 3 years to deny the application based on a bogus reason.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I'm writing to update you on my ongoing credit report dispute with Transunion regarding inaccurate information ( Ref : XXXX ). Unfortunately, despite filing my initial dispute on [ date ] and exceeding the 30-day timeframe outlined in the FCRA, I have not received any response or update from Transunion The continued presence of this inaccurate information continues to cause me significant harm and hurting my credit credibility I urge the CFPB to take immediate action and : 1. Investigate the bureau ( s ) ' non-compliance with the FCRA.

2. Demand a prompt and thorough investigation of my disputed information.

3. Hold the bureau accountable for the delay and any harm caused.

4. Ensure the immediate removal of the inaccurate information from my credit report if verified.

I have attached the following documents for your reference : 1. Copies of my credit reports 2. Copies of my dispute letters 3. Copies of any supporting documentation I provided to the credit bureaus Thank you for your prompt attention to this urgent matter. I look forward to a swift and effective resolution. 

Sincerely,
Product: Debt collection

*Complaint number XXXX of XXXX My credit report shows collections accounts that seem to have been unlawfully re-aged by the collection agencies and law firms that hold the debts. 

XX/XX/XXXX, I had an emergency hospital stay and did not have insurance, so I was billed for the stay. The bill was split up into at least XXXX different collections accounts for varying amounts between {$100.00} and {$2000.00}. XXXX of the XXXX show dates far later than XX/XX/XXXX. 

Those items are : - XX/XX/XXXX : XXXX - {$1900.00} - XXXX/XXXX/XXXX : XXXX - {$100.00} - XXXX/XXXX/XXXX : Law Offices of Mitchell - {$980.00} These debts were all incurred XX/XX/XXXX, but the date of last activity for each of them incorrectly indicates a much more recent date. I have had no contact with any of these creditors and have taken no action that would result in a new date of last activity. I feel that these accounts are being re-aged as an attempt to circumvent the statute of limitations set by federal regulation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not familiar with this account RESURGENT/LVNV FUNDING XXXX never received any proof that this account belongs to me. 

Please provide documentation that the following account RESURGENT/LVNV FUNDING XXXX belongs on my credit report and my rights have not been abrogated.