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

On XXXX XXXX I accepted the promotional offer from Citicard to transfer balances to my card for an XXXX  of XXXX XXXX  that " applies to each transferred balance made under this offer until XX/XX/XXXX. '' I am a long time reliable customer with a respectable history with Citicard. 
I received a confirmation of the offer dated XX/XX/XXXX. Now that I accepted their offer, this document states " This rate doesn't modify the current rates of any existing balances you may have on your account. '' My account reflects a XXXX XXXX XXXX, not a XXXX XXXX XXXX as promised. I accepted their offer in good faith. 
I contacted Citicard and was not able to communicate with the customer representative due to his obvious use of XXXX as a second language. We tried and finally I requested to speak with a supervisor. He resisted and then said he was putting the call on hold. The call was disconnected. 
I believe I am a victim of a bait and switch tactic from Citicard or a grievous error. I am asking for my account to be adjusted to correctly reflect the XXXX of XXXX XXXX as offered. I am not a novice or of low intelligence and I am insulted to be disrespected in this manner.
Product: Debt collection

I never got notified that I even had a debt, I woke up today XX/XX/year>, and my credit score dropped XXXX points, it said because it was for a debt I had with these debt collectors XXXX XXXX  XXXX XXXX, XXXX XXXX, I had no knowledge of the debt for The amount of {$1500.00}. They already took action and reported it to XXXX between XX/XX/year> - XX/XX/year> and my XXXX XXXX dropped XXXX points.
Product: Debt collection

1st complaint : HSBC sent me a credit card that I hadn't applied for. I've spent over five hours on hold with HSBC in an attempt to report the ID Theft and ensure that the card has been coded as such and for them to remove any related reports from my credit reports. I wasn't able to get a person on the phone until today and then they refused to connect me to the department that handles fraud/Id Theft and refused to provide me with an address or fax number for me to send a police report and affidavit to report the ID Theft. The associate said that she can not assist me that I will have to be placed on a " lengthy hold '' to speak with someone who could assist me. I told them of my 5 hours of hold times and frustration to report the Id theft and they said they couldn't assist me. I asked for their manager and they refused. I advised that I am filing a formal complaint against HSBC and the associate wasn't concerned and they placed me on hold.
2nd complaint : After I formally communicated and provided proof of my victim status as a victim of ID Theft to HSBC and having received HSBC 's acknowledgement of the receipt of the unauthorized application that they've " Denied the application '', HSBC has now communicated to me that they approved the application and are reporting it to my credit reports. Since I've received this information from HSBC I contacted them and requested a fax and or address to resend the police report and FTC Affidavit for them to investigate and resolve the issue and the associate refused to assist me or transfer me to someone who could assist me. I advised them that I am filing a complaint against them and the associate placed me on hold until I discontinued the call because they failed to pick the line back up.
Product: Debt collection

Bonneville Collections sent a collection account for under {$500.00} to be reported to the credit bureaus without ever notifying me of the debt. When I inquired, after finding out about its existence ( power bill and I believe it was paid in full ), they said it was sent to an email address I dont own and mailed to an office address I dont use. No notice was sent to a legal residence on paper, I didnt not receive any phone calls. 

When I inquired further about them removing the report from the bureaus they did not respond. I will also consider filing suit in state court.
Product: Credit reporting or other personal consumer reports

I am the author of this complaint. I've tried to apply for an apartment and was denied due to an inaccurate and unlawfully reporting account onto my credit report. XXXX XXXX XXXX XXXX  are reporting multiple balances to different CRAs and has violated the Fair Credit Reporting Act pursuant to 15 USC 1681s-2b and are liable for actual damages and statutory damages of {$1000.00} per violation. I have not been able to apply for housing or a vehicle to commute to work due to this error. I have contacted the company and they respond with frivolous letters that does not address my issues. They claim that I owe a balance that I do not owe and they even admitted to it verbally on a recorded call.
Product: Bank account or service

I have several ongoing issues with Chase Bank ( JP Morgan Chase ). 
1. Since the bank has account maintenance fees and fails to honor the types of deposits made into my account. I was forced to close my savings account. I do not have a credit card linked to the account either. I do not have any type of overdraft account. Therefore, I opted out of automatic withdrawals when the account has insufficient funds to complete transactions. Yet, they still proceed to withdrawal funds from an account that does not have sufficient funds nor overdraft accounts to cover an item and the charge non-sufficient funds fees. 
2. I have XXXX types of direct deposits as XXXX XXXX banking customer which deposit more than the required amount per month to avoid monthly account maintenance fees. 
a. The first is a weekly transfer from XXXX. I have XXXX clients who pays me strictly via XXXX and refuse to establish a direct deposit with banking institutions because they are not willing to pay astronomical fees to the banks. 
b. The second deposit made twice per month on average comes from a client who pays via Chase Banks ( JP Morgan Chase ) in-house Quick Collect system. 
I have addressed these concern with bank officials ( whom I met with inside the branch and spoken with over the phone ), on many occasions. They refuse to come up with a permanent solution to this issue. 
I feel they are determined to discriminate against those of us who are XXXX XXXX, women, XXXX XXXX owners, senior citizens, XXXX, lower economic class, and poverty level customers by taking advantage of the socially disadvantage/underserved population. We need local banking institutions as well. But they make a considerable amount of fees because they constantly penalize us for being in those categories. 
Also, I use to get a free bank check every month. In XXXX, they no longer offer that service. Seems like they 're retaliating because I have been vocal about discriminatory banking practices. The officials at JP Morgan Chase have told me that I can take my business to other banks if I do not like their policies. I felt disregarded as a customer. They have a valid point. However, the only reason I continue banking with them is to accommodate my client. Because I appreciate the business that is given to me. It 's unfortunate the JP Morgan Chase devalues customers of lower social and economic levels.
Product: Credit reporting or other personal consumer reports

Since there have been multiple violations of the necessary reporting requirements, my report 's data is not reliable and full. Having stated that, I reject your accusations and challenge you to show me your justification for including this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : 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
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX Balance : {$690.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

ID FOR XXXX XXXX-XXXX ID FOR EQUIFAX - XXXX-XXXX Folling my initial complaint to XXXX re predatory interest rates in XX/XX/XXXX, and as previously confirmed by XXXX through CPFB, this account never went in to collection, Instead they engaged in coordinated harassment by phone and on site. 

Since complaints to Equifax and to CFPB above on XX/XX/XXXX, XXXX reported erroneously to XXXX ( no change as of now to score XXXX ) : Payment after charge off/collection Settled - less than full balance With Equifax, in Mid-XXXX XXXX reported late payments in XXXX and XXXX of XXXX, which caused my credit score to drop 24 points from Excellent to Good. Following the above CFPB complaint, a remark was added regarding late payments and collection, but it has subsequently been removed. This morning, I was just notified by XXXX XXXX that a negative remark has been added to my Equifax report, and my score dropped another 45 points to XXXX ( Fair ). 

When I review XXXX closed account in Equifax, the calendar showing late payments and their latest remark had been removed. 

The notice on XXXX XXXX states Between XX/XX/XXXX and XX/XX/XXXX, your automotive account with XXXX XXXX was removed from your credit report ( although it is still showing as a closed account on XXXX XXXX  ). The remark on the Equifax Closed Account says " Consumer disputes - reinvestigation in process. '' Since XXXX has been adding negative remarks on an account closed equitably in XX/XX/XXXX, I have to question whether there is tacit or explicit collusion between XXXX and Equifax. I expect and request Equifax ( and XXXX ) to report the XXXX loan as as indicated on XX/XX/XXXX, and since, with no additional remarks, and restore my credit rating prior to predatory and retaliatory actions by XXXX in XX/XX/XXXX. Equifax has corrected prior erroneous reporting by XXXX since XX/XX/XXXX. Thank you.
Product: Credit card or prepaid card

I made a balance transfer through Citi and then made purchases with the card after that. Apparently, by making purchases, I then had interest charges that I was then on the hook for when it came to what was initially supposed to be 0 % transaction fee. 

When I reached out to Citi, no one was willing/able to help me with this issue. I was also told I would get phone calls when I didn't and that there wasn't a superior that I could speak to.
Product: Debt collection

On XX/XX/XXXX at XXXX I contacted IQ Data International and spoke with XXXX XXXX XXXX I explained that I did not dispute any information on the account and agreed to the balance and prior payment history and that I request d them to update the account comments to reflect that. 
After confirming that I understood XXXX said no we know you are trying to get a mortgage and will continue to report it as disputed until you pay us in full. I reiterated multiple times that I do not dispute the account and assume full responsibility for the account. At which time he said no we will do what we want until we get our money so give me your credit card number
Product: Credit card or prepaid card

Comenity- Ann Taylor Credit Card -- Card balance was paid in full directly on the providers website, they then applied a credit charge that was not billed in the next cycle and was applied to a XXXX balance. I have emailed the company multiple times and they are kicking me back and forth between departments and not resolving the issue. They have now applied late charges and it is impacting my credit report.
Product: Payday loan, title loan, or personal loan

I bought the car for less then what there trying to get from me they got over twenty thousand from me
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX ) XXXX Balance : {$4700.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I believe that I am a victim of a racially motivated decision. on XXXX I received an email saying that my credit line was increased. I tried to use the card the same day and it declined. I called bank of America to try and find out what the issue was and they informed me that my account was actually closed. I was confused because I did not receive an email of a closed account, But of a credit line increase. When they closed my account, they blocked my access to pay the bill online. I had no idea how to make a payment. I was sent no instructions or warning. Bank of America has reported 2 late payments on my credit which has destroyed my credit, I had excellent payment history with them prior to closing my account. anytime I call in to get help with my account, I am told a new lie every time I call. On XXXX or XXXX XXXX, I called and reported financial hardship and all they did was lie to me and tried to set me up in a situation that would have further hurt my account. Every person I spoke to has been an a** hole with me, and it's only because I am a XXXX customer. I have no choice but to try and seek help with this.
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft reported this to the company upon their investigation the company stated the account belong to me me due to payment made this is not a valid investigation I stated to the company that they were several accounts opened with payments made also tax returns filed and unemployment collected over a year asked the company for a valid contract with my signature they stated that they dont have it this is clearly a violation of my Civil Rights and violation of Credit Rights
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXBalance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$740.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$860.00} XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/2018 Reference XXXX XXXX XXXXXXXX.
Product: Checking or savings account

When the initial federal student loan pause was commenced i continued to make voluntary payments until around XXXX of 2021 when I was made aware that i did not have to make the payments and in fact could receive a refund for the voluntary payments i had made since the pause had began. The refund amount was sent for {$1700.00}. My Loan servicer, XXXX company, sent out the refund check and it was lost in the mail. The loan servicer required 90 days to elapse before a new check can be issued. After the 90 day wait time a new check was issued however this check was intercepted and fraudulently cashed.XXXX XX/XX/2021 I cooperated with the loan services providing an affidavit that was notarized indicating that I am willing to press charges to the fullest extent of the law against whomever fraudulently cashed my check as well that i was not involved. This process with XXXX was initiated almost a year ago approximately. I spoke to XXXX XXXX XXXX and his supervisor XXXX and explained my situation. XXXX advised me that i need to contact XXXX company 's bank, Frost bank for additional information. I did reach XXXX XXXX ( relationship XXXX at frost bank ) I again explained the situation and was advised that now XXXX XXXX XXXXXXXX  ( where the funds were fraudulently cashed ) is causing the delay in the fraud investigation. Again it has been over a year with no response from frost bank or XXXX XXXX XXXX I have maintained communication with both frost bank and XXXX company throughout this process via email and telephone calls leaving voicemails and never hearing back. XXXX company contact number XXXX Frost bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I dont have information for the XXXX XXXX loss preventention department. I am not an account holder with Frost Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX / XXXX / 2017  my previous complaint for  XXXX   XXXX  was erroneously closed.   No intellibgible resolution was found. My credit score was wronfully dropped from  XXXX  to  XXXX  and has still not been brought back to where it belongs at  XXXX . No expalanation was ever given by  XXXX . If it is not fixed soon they will be hearing from attorney with a lawsuit. I have attached a copy of screenshots showing the previous and current credir score with   XXXX   XXXX  .
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and request that all accounts and inquiries listed below be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were fraudulently created or affected as a result of identity theft. 
ACCOUNTS : XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX. XXXX XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} INQUIRIES : XXXX. XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX  XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX
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. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I was not well informed by the school or the loan provider about the process and the future implications of the cost of education. Then working with XXXX XXXX and then Navient has been frustrating. I can not afford even the lowest payment they have offered me even though I have a XXXX degree. I am continuing my education just so my loans are in deferment. I know this is not the answer but owing {$180000.00} in private and federal loans, with XXXX small children, making less than {$50000.00}, I have been given no choice in the matter. My hole just keeps getting deeper and deeper and there is no hope in sight.