23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), 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 in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 an 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 moreover than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have contacted Equifax to investigate an inaccurate account on my credit report. Despite stating an investigation was completed and that the account is verified and accurate, there are still erroneous and inaccurate information regarding this account. 

According to my credit report, the account was charged off as of XX/XX/2022. Since then, the account has repeatedly been updated as charged off every month. Please see the screenshot to the left. 

This is an update in the payment history, which to my understanding, charged off accounts SHOULD NOT include an active payment history. Need I remind you, this also falsely manipulates the statue of limitations. 

I am demanding a deletion of the following account : XXXX XXXX, Account # : XXXX
Product: Credit card or prepaid card

XX/XX/22 - I placed a order with XXXX XXXX for {$320.00} for motorcycle parts. They did not have all the parts in stock that were ordered and shipped a partial order. I spoke with XXXX XXXX on XX/XX/22 and I was told they issued a partial refund of {$260.00}. My citibank account was never refunded any amount. 
I disputed this transaction with Citibank and was told they sided with the merchant. The merchant ( XXXX XXXX ) never shipped the complete order or refunded me the money for the parts they did not ship.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor 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 an account without my written instructions.

15 U.S. Code 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Checking or savings account

President Biden spoke about this issue with bank overdraft fees in his State of the Union address last night. It is an unconscionable practice that preys on the low income and disabled population, who are least able to navigate it. Biden said that credit card overdraft fees should be {$8.00}, instead of the much higher fees currently charged. 

My son XXXX XXXX XXXX XXXX, who has a XXXX and no income, has overdrawn his Umpquah Bank account and has incurred {$770.00} in fees. The account was opened when XXXX was in residential care in XXXX XXXX XXXX in XXXX 

XXXX moved back to XXXX in XXXX and overdrew by {$650.00}, and in XX/XX/XXXX and incurred 5 overdraft fees of {$35.00} = {$170.00}. I called the XXXX XXXX XXXX XXXX ( XXXX ) branch of the bank and was told that some of the fees could be refunded if we brought the account to a XXXX balance. We brought this to a XXXX balance on XX/XX/XXXX - and only one fee of {$35.00} ( of the {$170.00} ) was refunded. 

XXXX overdrew again in XXXX with a XXXX charges of {$88.00} and {$44.00}. XXXX did not know that XXXX kept trying to charge the account and he incurred 17 charges of {$35.00} = {$590.00}. 

XXXX XXXX, the bank manager at the XXXX branch XXXX has been helpful, but unable to refund any of the fees. XXXX called XXXX XXXX, the branch manager of the XXXX XXXX branch, and XXXX said will refund {$150.00} of the {$730.00} in new overdraft fees if we bring this to XXXX balance again. XXXX is at the branch on XXXX XXXX XXXX, XXXX XXXX, ID XXXX, XXXX. 

The balance is negative {$1000.00}, of which {$770.00} ( minus the {$35.00} refunded ) are fees. We are unable to bring it to a XXXX balance again because I am unemployed, and my husband is retired. 

XXXX was going to a local branch of the bank in XXXX, and that branch was closed down in early XXXX and XXXX did not have a branch that was close by to where he was living. He was therefore unable to deal with this issue in person.
Product: Checking or savings account

Capital One fails to accurately post my available and pending balances regularly. I've discovered that when the balance is getting low they claim I have more funds that I actually have. I have images showing the balance showing one amount and then later changing the amount without any new transactions. Balances do not line up from moment to moment. It's done in order to force customers to over spend thus causing overdrafts. There are many days when I open my account and the balance next to each item is blank. It took me nearly two decades and nearly {$25000.00} in overdrafts to discover the fraud being committed. I sent my documents to them through the complaint process asking for the last year 's overdrafts. They failed to respond to me with the outcome, so I don't have a copy of the letter. They did send the letter to consumer finance who read it to me. They did not even address the issue I complained about. It was like they ignored my documents, my letters, and my complaint completely. This tells me they know they are stealing from customers. I want my overdrafts returned to me, as at least 75 % of them occurred to false reporting of my balances. I submitting an example of what I am talking about, as well as today 's view of my transactions with blank balances next to each item. I honestly do not know if and when my balance is ever accurate. Capital One, you have my permission to show my records to consumer finance.
Product: Checking or savings account

i did a dispute with my bank and they denied it so i did it again and never herd back from them. i have written to them and nothing back.so someone used my XXXX XXXX and took {$2000.00} from my bank account i don't know who they are or why this even happened or how and my bank gave me my money back but then a week later reversed it and took my {$2000.00} again when i told them my accounts had been hacked with my debit card all they did was send me a new card and no refund me my money that i never took from someone else i don't even know the person that did it or anything about those {$2000.00} but they took my {$2000.00} that i worked for very hard for that's almost my whole check for the month. 
thanks for your time hope i get my money back i have had so much fraud done in the last 6 months it's ridiculous
Product: Credit card or prepaid card

I have a laundry list of complaints against multiple different creditors and credit card companies, against credit bureaus, against your agency and against the US government. 

The financial institutions are : 1. XXXX XXXX : They have suspended online access to my account, they charge excessive fees and interest, and they have made it almost impossible to actually pay my bill. I have a balance of around {$1700.00} with them and I can not even pay my bill online and they might have even returned or refused to accept a payment from me. 

2. Ditto for Barclays Bank. I can sign on, but I think that they actually returned a payment from me. I am over my credit limit, and I sent them a cease and desist notice and made all kinds of threatening statements to them in e-mails. I have been trying to pay off that debt and I am having trouble doing that. I have not even used that card for many months now, and they still charge me interest and fees. 

3. XXXX XXXX ( see my previous complaint ). I tried to reopen that account and they will not let me gain access to my old statements for tax purposes. 

4. XXXX PrePaid Debit XXXX. I could write an small novel about my experience with them. I melted my debit card with positive balance on it at the XXXX XXXX in XXXX, XXXX because I was so upset about having to deal with their customer service department. 

5. XXXX XXXX : Overall, they have been OK to work with, but they recently told me that I have to close out my account with them towards the end of this month.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following US DEPT ED XXXX Balance : {$1800.00} ; US DEPT ED XXXX Balance : {$3200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX Equifax released a statement reading that a data breach at the company may have affected XXXX XXXX Americans, jeopardizing consumer Social Security numbers, birth dates, addresses and some drivers license numbers. Equifax also produced a website offering to check whether you were affected or not, when looking into this problem and submitting my information twice I was presented with two different answers : 1 ) You may be affected and 2 ) no answer. As a result I filed an initial 90 day fraud alert on my file with the Equifax, XXXX, and XXXX. Now I have to take time out of my day to vanguard against potential illegal use of my personal identifiable information because of the lack of security and best practices of Equifax. I have also called my credit card lines filing an initial 90 day fraud alert as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, 2017 I submitted an online dispute with XXXX and Equifax concerning Personal Identifying Information missing on my Credit Report / Public Records/ Tax lien ( 2 separate state tax liens ). The only option that fit my situation to file this complaint was listed under 'not mine '. Regardless, the information on my credit report /public records does not include the following : Legal name, DOB, Social Security number or address. They 're-verified ' that the information is correct without conducting a reasonable investigation ( FCRA ),  instead chose to utilize the XXXX system again ( this is not the first time I have contacted them to update or delete these liens ). The personal information they are providing does not meet the requirements per FACTA.They do not have or can not produce the original records showing these liens in fact belong to me. My county courthouse does not provide this information and neither does the NC Department of Revenue, but XXXX and Equifax employees are telling me that they contacted the courthouse and the clerk of court provided the information. That is not true, and if need be I can get the clerk of court to provide a written statement to the contrary. They do openly admit willful non-compliance by not following the law, but they do n't call it that. Also, they will not tell me what 'Method of Verification ' is being used per FCRA sec. 611, only that a vendor has 'verified ' the information. I am having the same issue with both XXXX AND EQUIFAX. I have contacted each agency listed above at least 5-6 times by certified letters, email disputes and phone calls, yet nothing changes. The lack of personal identification is continually being 'verified ' as accurate buy unknown, secret sources through the internet without any proof. I am providing proof of dispute and the 'Official public records ' in question. This document clearly does not contain the required information, only the name of a person is provided. I am not the only person with this name. So, how can the remaining information be verified if the official document does n't contain : address, social security number, or date of birth? It can not ... and they have continuously lied about it!
Product: Checking or savings account

On XX/XX/2021 at XXXX XXXX I received a Chase fraud text message asking if i tried to withdraw {$800.00} from my account which i texted back with no. Chase then texted me back with ok that they will close my card and send me a new one, i then logged into my app and locked my card just in case of any further fraud activity. I then like at XXXX XXXX unlocked my card to use my apple pay at XXXX XXXX XXXX for an amount of {$66.00} dollars and then when i noticed my account was deducted {$700.00} from XXXX XXXX XXXX XXXX which is a chase bank. I immediately called chase and notified them and they started and investigation. They credited me back my {$700.00} so i figured chase was on it i then check my account today XX/XX/2021 and chase declined my claim claiming that they denied because my card chip and correct pin was used and they were no wrong pins entered to me thats ridiculous because i had just received a message from them of a fraud attemt and they approve a {$700.00} withdrawal without any notification when earlier in the day i had already been tried to be scammed. i now getting law enforcement involved to see who used my card and thats why cameras are placed on the ATMs. Its not fair fair for ua to lose our money and for a bank institution to just make a decision off of them not getting my pin wrong any times when I clearly texted them in the morning that i was already trying to get scammed in the morning for {$800.00} when I received a text why wouldnt they text me again asking of i tried withdrawing {$700.00}?? It might not seem a lot to a bank but it's a lot to a family especially going through a pandemic. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to TransUnion result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. Now, I would like to ask for your help to get rid of these items or have TransUnion get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX XXXX Balance : {$97.00} XXXX XXXXXXXX Balance : {$190.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Reference # : XXXX Asset Amount : {$0.00} XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Incorrect Credit Reporting Due to XXXX  XXXX Bankruptcy Discharge Dear CFPB, I am filing a formal dispute concerning inaccurate information on my credit report by TransUnion, XXXX, and XXXX. I filed for XXXX  XXXX bankruptcy ( XXXX XXXX. XXXX ) on XX/XX/year>, and it was discharged on XX/XX/year>. This was a no-asset XXXX  XXXX case, where all dischargeable debts, whether listed or unlisted, were discharged under 11 U.S.C. 727 ( b ). 

The following accounts are inaccurately reporting late payments and charge-off statuses, despite being discharged. The screenshots of the accounts are attached.

Under 11 U.S.C. 524 ( a ), the discharge injunction prohibits creditors from reporting debts as delinquent or attempting to collect on discharged debts. Additionally, under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), credit bureaus must accurately report the status of discharged debts. 11 U.S.C. 727 ( b ) ensures that the discharge covers all pre-petition debts, whether listed or unlisted, except for specifically non-dischargeable debts. 

Please investigate and update my credit report to reflect the discharge of these accounts and remove any reported late payments or charge-off statuses. 

Enclosures : Copy of Bankruptcy Discharge Highlighted Credit Report showing errors Thank you for your prompt attention. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I wrote to Experian, XXXX, and XXXX requesting an investigation of the following inaccurate accounts and Hard inquiries reporting on my credit report 30 days ago. The credit bureaus claimed that they have completed a reasonable investigation with the furnisher of the account and verified 100 % that the accounts listed below are accurate. However, the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score while I am currently in the process of purchasing a home. This is very damaging to my credit score as a consumer. 
I the consumer understand the term Consumer Report does not include any transaction or experiences between the consumer ( me ) and the person making the report 15 U.S.Code 1681a ( 2 ) ( A ) ( i ). I the consumer have the right to privacy pursuant to 15 U.S.Code 1681b ( a ) ( 2 ). These credit agencies have violated my right to privacy by furnishing private information about me without any lawful author my written consent. In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below The Following Accounts and Inquiries are inaccurate. 

XXXX accounts XXXX XXXX XXXX XXXX  This is Not my Account XXXX XXXX XXXX-This is Not my Account XXXX XXXX XXXX  This is Not my account XXXX Hard Inquires 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 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 Experian- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reporting several Late payments which is hurting my credit score. These late payments are inaccurate and false after comparing my credit report between Experian, XXXX and XXXX. Some months are showing on time and others not on time which is not accurate. 
15 U.S. Code 1666b - Timing of 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. I would like all accounts and Hard Inquiries mentioned deleted from my credit file Immediately as this is damaging to my credit score and not aligning with my rights as a consumer. 

Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXX XXXX ...., XXXX  XXXX XXXX  XXXX ...., XXXX XXXX XXXX XXXX ....,
Product: Credit card or prepaid card

I have a Fortiva Credit Card with a {$500.00} limit. The card has not been working due to unannounced freezes in which I never received any sort of heads up. Currently, XX/XX/2021 when you call the number XXXX XXXX XXXX it says that there is some sort of update in progress. I have not received any emails or literature about the update and received no notices about updates via WEB portal or mail. I believe it is a scam so I wanted to close my account because I have a card that I can not unfreeze or close. 

I have been trying to close my account now for 3 days and have been placed on hold excessively ( +15 minutes ) multiple times throughout the last 3 days. Each of the 9 different people I have spoken to have said different things about my account and why it is frozen, or why they cant help. I even tried texting them and chatting with them about closing my account and they do not respond after I say I want my account closed ( they ask for my email but never respond and I received no emails ).

At this point, they are stalling to earn interest and charging monthly maintenance fees and yearly fees for an unusable credit card account. They make it virtually impossible to close accounts. Impossible to use the card while they charge fees and accrues interest.