23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I had made a purchase with my Ally card for XXXX, and then canceled the order with the merchant. For some reason ally decides to take that money twice and my balance goes negative. Now, I get my refund, but my balance shows around XXXX but my available balance is only around XXXX dollars. Also that extra pending charge is still on there. Customer support has been completely unhelpful giving the same automated responses and not resolving my issue. They are holding my money for no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent dispute a letter to XXXX, XXXX and Equifax detailing harmful errors existing on my credit report currently.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated XXXX XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, date last reported is not accurate, Number of months is not accurate, and account status is not accurate. This is ground for removal. They also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions They also violated my rights under 15 U.S.C 1681 section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Product: Credit reporting or other personal consumer reports

**TransUnion** XXXX XXXX XXXX XXXX, PA XXXX XXXX : Dispute of Unauthorized Accounts, Transactions, and Inquiries on Credit Report Dear TransUnion Dispute Department , I am writing to formally dispute the presence of unauthorized accounts, transactions, and inquiries listed on my credit report. These accounts and inquiries were not initiated or authorized by me, and I request that they be investigated and removed from my credit file immediately. 

The specific unauthorized items I would like to dispute are 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 and these fraudulent inquiries have appeared on my credit report without my consent. I request that these items be removed from my credit
Product: Checking or savings account

Capital one bank has been with holding a {$500.00} deposit that was expected on XX/XX/year>. They have no resolution on when this issue will be resolved and call hold times are 2 hours.
Product: Checking or savings account

There were unauthorized transactions on my account and I reported them to my bank and they issued the credit after I filed the complaint with the CFPB. Afterwards, they withdrew the monies back out of my account.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to dispute a collection report that recently appeared on my credit report. Until this charge by IC Systems surfaced, my credit history was immaculate. I have never heard of IC Systems, nor have they attempted to contact me regarding any outstanding debts. I have tried calling them multiple times, only to be disconnected after a 10-minute wait with no available agents to speak with. Additionally, I filed a dispute on their website but have yet to receive any response. I've also filed a dispute with XXXX  whom suggested I reach out to you to file a dispute.

This erroneous report has dramatically reduced my credit score and, as you can see, I have never had a collections report on my account previously. I am requesting your assistance in removing this incorrect entry from my credit report as soon as possible.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Have someone from your Bloomingdales credit card executive office give me a call XXXX XXXX XXXX. I applied for a card and the system canceled it due to a duplicate I applied for in store. I called credit department got someone with an attitude and was transferred to a manager named XXXX The manager helped me was super friendly processed the application told me I was approved for both a store card and AMEX. I told him I wanted the AMEX card he approved the AMEX he told me and adjusted the credit line for my purchase.

I got an email saying I got approved for the store card. EXCUSE ME??? No I asked for the AMEX repeatedly!!!!!!! And he told me would approved the AMEX. I called back and he told me Im so sorry I clicked the wrong button and chose store card not the Amex and now I have to reapply and hes going to work with a team called XXXX??? 

NO THIS IS NOT ACCEPTABLE. YOU SCREWED THIS BIG TIME. I WANT MY BLOOMINGDALES AMEX APPROVED LIKE I WAS PROMISED AND TJE CALLS ARE RECORDED. THERE ARE NO MISTAKES TO BE MADE RIGHT NOW. 

It is NOT my problem your agent accidentally clicked the wrong application selection and now I have the wrong account I want the Amex like I was approved for and this needs to be fixed!!!!!!!

Now my card is shut down I was told they would open the AMEX and it hasnt happened they closed my card promised to remove the account from the bureau and approve the AMEX!!!! Fully documented that you guys screwed up and it hasnt been fixed!!!!!!!! I WANT THE AMEX CARD OPENED LIKE PROMISED BY YOUR CORPORATE OFFICE CREDIT TEAM!!! THERE IS ZERO EXCUSE FOR THIS!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the car dealership and I only got approved for one car from XXXX XXXX. So I shuld only have the one inquiry from XXXX XXXX on my credit report that occured on XX/XX/2022. 
All of a sudden I have 20 inquires from car dealers across all 3 credit bureaus that I did not do. 

XXXX XXXX XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 Experian XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Experian XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX  XXXX XXXX  XX/XX/2022 Experian XXXX XXXX XXXX  XX/XX/2022 XXXX
Product: Debt collection

On XX/XX/XXXX I sent a certified letter asking for XXXX XXXX to cease all calls to me or my family, and to only contact me through letter mail moving forward about negotiation of a {$3600.00} private loan debt that was transferred to them from my bank on XX/XX/XXXX. The certified letter was addressed to the mail to address listed on the debt letter XXXX XXXX had previously sent me on XX/XX/XXXX. According to USPS tracking and logistics staff I communicated with personally, the cease and desist letter was delayed due to technical issues, but after resolution it was successfully delivered on XX/XX/XXXX. XXXX XXXX has called me XXXX times since : on XX/XX/XXXX, on XX/XX/XXXX and XX/XX/XXXX.
Product: Checking or savings account

I made a Bill Pay payment on XX/XX/XXXX via my business Chase account as I always do every month without any issues for my car payment. On XX/XX/XXXX, i get an email alert asking me to verify personal information including my DOB, complete name and address. For security purposes, i never verify any of that through any application. I called Chase myself on XX/XX/XXXX and confirmed whatever they needed. I specifically stated that i authorized the bill pay payment of {$400.00} to XXXX XXXX XXXX. They assured me that the funds would get released. Since that date, I have continued to receive the same online message telling me to validate my personal information AFTER i was told everything would be ok. Today, i called Chase again because of the continuous issue of emails. I find out today that the bill pay payment was never released and has been under review since XX/XX/XXXX. I spent 3 hrs on the phone and was transferred to Fraud Dept, Online support, you name it! No one can help because this issue does not belong to any of them as i was told. I was hung up on even after requesting a higher person in charge due to the incompetency of everyone wanting to transfer me to other people that are not able to release my bill pay payment. I have vaildated my information and transactions over and over! I need this to stop happening and have the check released to my lien holder! They are putting me at risk of having my credit affected due to no error of mine. This is unacceptable!
Product: Credit reporting or other personal consumer reports

while checking my most credit report I notice a credit inquiry that I didn't recognize XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX INQUIRY DATE XX/XX/year> I did not authorize anyone employed by this company to make an inquirynand view my credit report. This is a violation of the fair credit reporting act section 1681 b c an a serious breach of my privacy rights. 
Please validate this information with this company and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In the absence of any fradulent inquiries be immediately deleted from my credit file that is maintained under my social security number. 
Please note that you have 30 days to complete this investigation per fair credit act section 611. 
my contact information will appear on this complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$710.00} XXXX  XXXX XXXXXXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a XXXX 's credit card through Synchrony Bank and they will not allow new purchases for the credit limit value for 12 days after a payment has been made.
Product: Credit reporting or other personal consumer reports

I sent a letter in XX/XX/XXXX and XX/XX/XXXX advising that I obtained my credit reports from all 3 credit bureaus XXXX XXXX and Experian advising that I found inaccurate information on my credit report about my name address, and birthday. I asked that you remove everything that was not listed on the verification documents I sent in which were my Driver 's license, social security card, and a piece of mail that had my current address. All old addresses needed to be deleted as they aren't accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent in a letter to requesting Transunion to verify a Bankruptcy they are reporting on my credit report. On XX/XX/2023, I was notified by Transunion that my investigation results were complete. Transunion verified a bankruptcy on my credit report and signed letter from the clerk of courts stating they don't report bankruptcies to any credit bureau. Transunion violated my rights by verifying inaccurate information.
Product: Credit reporting or other personal consumer reports

I have been trying to dispute information for over a year from the credit bureaus for putting inaccurate information onto my credit, also without my knowledge I was not giving the option to opt in our out nor did the companies send out any letters or emails stating they will be putting such information onto my credit also a proper investigation was not done with the companies when handling my disputes they refuse to delete anything from my credit. Ive tried several disputes even recently and nothing was handle they just put the information as updated not deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
9. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
10. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
11. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

12. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
13. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ). I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX XXXX, CA XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I have XXXX negative old accounts that are closed and written off by the lenders ( XXXX, XXXX credit and XXXX  Collection. I have contacted XXXX and XXXX both XXXX were able to remove all the negatives. pursuit to the following FDCR Law passed by congress. 15 U.S.code 1666b 15 U.S.code 1666, 15 U.S.code 1681B, 15 U.S.code 1681A.

which help my credit score changed to Good. 

Equifax Declined to help me remove all the negatives. Which affecting me harshly. 
I am told we do things differently in Equifax. XXXX shows as open account and it should be closed. I spoke and emailed my Thank you
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 XXXXFailure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( XXXX ) ) 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. 
XXXXFailure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( XXXX ) ) The FCRA mandates that consumers be notified of the results of an investigation within XXXX  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. 
XXXXFailure 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 XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 

XXXXXXXX XXXX XXXX XXXX ( 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 : XXXXConduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
XXXXProvide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
XXXXImmediately 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. 
XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

My account with ( DEPTEDXXXX, XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( DEPTEDXXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

Account/Card for debit and ATM has been suspended due to potential fraud. The bank gives XXXX avenue for clearing the suspended status, by calling a specific number. This number is not working, and hangs up after about XXXX XXXX of hold time, consistently. Other efforts to talk with the bank results in getting directed to the number that is not working. I am effectively unable to access my money, and my account will stay suspended until a fix is implemented. The bank refuses to provide other options for remediation. This will impact my life, as I can not access my own money.
Product: Student loan

The following is an email I sent to XXXX and contains a description of the issues I have been attempting to have resolved : " I was transferred to Nelnet for GLBS and when interest resumed XXXX I Enrolled in auto debit ( XX/XX/XXXX ). An administrative forbearance was applied and I was told through a letter in my Nelnet inbox that there was no action needed. 

During the beginning of XXXX I decided to make a supplementary payment toward my loans of XX/XX/XXXX of {$230.00} ( Confirmation XXXX ). 

On XX/XX/XXXX I received a message in my nelnet inbox that my " financial institution was unable to process the transaction ''. 

I decided to re-enter my payment information and created " checking 2 '' and used this method to make a payment of {$500.00} on XX/XX/XXXX ( confirmation XXXX ). 

On XXXX I received an email from Nelnet stating that my payment from the XXXX was returned due to " Insufficient funds ''. 

After a phone call with the bank and a look at my account it became clear that there was never a time in XXXX or XXXX that my account was insufficiently funded to make these payments. Not only that but they informed me that there had not been any requests for payment from nelnet. 

I called Nelnet customer service and after a 3 hour wait, they informed me that there was no way to confirm the account or routing number that the Nelnet system was attempting to use to collect payment. 

Today I Input my bank information on the Nelnet website again and made 2 more payments but I'm being told that my missed payment will affect my credit. 

I feel as the borrower I have fulfilled every reasonable obligation to make payments and it is unacceptable for my credit to be affected by a fault in the Nelnet payment system. 

Please advise on a course of action to correct this error. 

Account : XXXX '' I received and automated response to this email which read : Thank you for your email. Were currently experiencing unprecedented email volume, which is preventing us from responding to your specific question ( s ). We apologize that we arent able to answer your individual email, but we believe that one of these options may be the fastest way to answer your question : '' Below the phone number that I had already called was listed. Before sending the above email I had spent 3 hours on hold only to be told to send an email to XXXX. I other words, I was being sent in circles from one brach of Customer service to the other with neither willing to help.
Product: Checking or savings account

Bank made error when I opened my business acct. XX/XX/XXXX. 
Regards beneficiaries. They requested I come in and fix. On XX/XX/XXXX went to local branch talked to teller who had banker came over and input correct info. 
XX/XX/XXXX my card didnt work. Went to local branch mgr XX/XX/XXXX. 
XXXX XXXX who had me sign beneficiaries agreement she said she took care of it. 
Said my acct was frozen. And should be released in XXXX XXXX hrs. 
Waited XXXX hrs..went on line and found my accts had been closed ... 
Went to my branch. Spoke to asst mgr XXXX. She had me sign paper again and called back office to try and get my money to me asap. So I could get my bills paid. Left message for branch mgr to call me XXXX XXXX . Never called back. Took 2 wks to get him to call back after threatening to go above him. 
They will write letter to all bounced checks..he says. And pay for all fees assoc with this ... case closed ... not really another person called today. XX/XX/XXXX. Another person wants this form filled out ... again.