23daVinci/CFPB_Complaints huggingface dataset:
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 items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX. 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 XXXXXXXX XXXX  XXXX, FL XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX  Balance : {$10.00} XXXX XXXX Balance XXXX {$3500.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX XX/XX/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
Product: Checking or savings account

Complaint Bank of America charges Charged me {$5.00} a month since XX/XX/2016. 

1. I don't receive any notice about {$5.00} maintenance fee but charged me 2 years. I thought this account has closed until I saw I have negative balance this morning. 

2. The original banker said she can give me 3 months refund. But I told her I want to request all refund since I really don't know. Her manager XXXX XXXX said not refund to me. He knew I am angry and just gave me one month refund. From our conversation, I have totally got discriminated seriously from him and NOT EQUAL OPPORTUNITY to all customers.. 

3. They said they gave me service, but I even can't see the statement online. 


XXXX
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$19000.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

On date XX/XX/2022, I used Barclays AAdvantage Aviator card ending with XXXX to make a purchase on XXXX via XXXX for the amount of {$540.00}. 
On date XX/XX/2022, I used Barclays AAdvantage Aviator card ending with XXXX to make a purchase on XXXX via XXXX for the amount of {$330.00}. 
On date XX/XX/2022, I used Barclays AAdvantage Aviator card ending with XXXX to make a purchase on XXXX for the amount of {$1000.00}. 

On date XX/XX/2022, a fraudulent charge was found on the Barclays AAdvantage Aviator card account, and the same card was closed by Barclays due to security concerns. A new AAdvantage Aviator credit card ending with XXXX was then subsequently issued as replacement. 

On date XX/XX/2022, a refund of {$110.00} dollars was issued by vender XXXX back to the original credit card ending in XXXX. 
On date XX/XX/2022, a refund of {$540.00} dollars was issued by vender XXXX back to the original credit card ending in XXXX. 
On date XX/XX/2022, a refund of {$1000.00} dollars was issued by XXXX XXXX back to the original credit card ending in XXXX. 

As of today, non of the aforementioned refund was received on my credit card account. Barclays has held my money for the amount of {$1600.00} for weeks now.

Several phone communications to Barclays were made to no avail. Barclays has turned a would be simple and automated refund transaction into completely unnecessary uncertainty and wait game. I urge barclays card to do the right thing and stop holding my hard earned money hostage.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX  Account Number : XXXX Reason : Im reaching out because I dont agree with the negative payment status and history reported on this account. Could you please provide copies of all statements showing the past due amounts for any missed payments and the exact date the account was marked as negative? 

Account Name : XXXX XXXX XXXX Account XXXX Reason : Im reaching out because I dont agree with the negative payment status and history reported on this account. Could you please provide copies of all statements showing the past due amounts for any missed payments and the exact date the account was marked as negative? 


Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Im reaching out because I dont agree with the negative payment status and history reported on this account. Could you please provide copies of all statements showing the past due amounts for any missed payments and the exact date the account was marked as negative? 

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 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 XXXXXX/XX/XXXX I believe these items are either inaccurately reported or have already been resolved, and Im requesting a thorough investigation and correction. Ive already reached out to the credit reporting agency and the data furnisher, but the issue remains unresolved. Ive attached supporting documentation, including screenshots of my credit report, to highlight the inaccuracies and support my claim. Please review this matter promptly and update my credit report to ensure it reflects accurate information.
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 items : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX  XXXX Balanced Owed : {$0.00} XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX XXXX  XXXX Balanced Owed : {$0.00} XXXX XXXX XXXX  XXXX Balanced Owed : {$0.00} XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXXXXXX Balanced Owed : {$0.00} XXXX XXXXXXXX Balanced Owed : {$0.00} XXXX XXXXXXXX Balanced Owed : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I contacted Transunion regarding their inquiry issue and their customer service would not help and take care of the negative inquiries reporting to your credit report. They refused to remove, investigate or offer aid in resolving matter. 

Multiple inquiries are on credit that I did not consent and some are listed multiple time on the same day such as : XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX XXXX I Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX   XXXX Inquiry from XX/XX/XXXX Automotive
Product: Credit reporting or other personal consumer reports

So for starters, I have numerous reports on my credit that does not belong to me on my hard inquiries, and my derogatory marks for the Credit Report companies Equifax & XXXX. Some of them are as old as 2022, which means the normal two years that has passed by that usually leads to a change in your credit report has not happened since the two years of the original date for some of them has passed. I have done dispute reports for mostly all of them and yet nothing has changed at all. One of the other problems is me and my father has the same name, so theres a very high possibility that these credit reports that are being put on my credit most likely belong to him and are affecting me. My credit score should be way higher than what it is. Ive had to build my credit score up to a fair score while having these unnecessary and mistakes of file reports on my credit score over the years. This is not fair at all, and I truly believe I deserve these to be removed from my credit report and to be compensated for the unsettling results of a company that could not comply with their customers over all these years.
Product: Checking or savings account

I ordered a game from XXXX XXXX XXXX for {$48.00} on XX/XX/XXXX XXXX I received an email receipt # XXXX from XXXX XXXX XXXX. 
XX/XX/XXXX XXXX  I received email stating my order has been shipped. I was provided with a tracking Number XXXX, as well as a web site to track the order and view details. XXXX XXXX XXXX, when i try to log in to track it XXXX cant get in So I tried to email the support email address XXXX, and I get a message back that " Address not found and wasn't delivered '' there is no phone number on either the email i received for the receipt, or the email I received that said my order was shipped on XX/XX/XXXX XXXX 

Can this be looked into? I just at this point want my money if they are not going to send the merchandise. I have the record that the money was withdrawn from my bank account on XXXXXXXX XXXX from USAA bank. I have not notified them yet and don't which way to go on this matter. Please advise as soon as you have an opportunity. I can provide documents if you need them just let me know... XXXX XXXX
Product: Credit reporting

Experien Refuses to investigate and provide documentation of such for XXXX accounts that are past the date of first deliquency. Information in thier records is inaccurate. I have attached a copy of a previous credit report I obtained from Experien showing that they changed information they had on file. They have carelessly ignored my requests to remove these items. I have attached copies of XXXX accounts.
Product: Checking or savings account

I opened a savings account at Chase in the middle of XXXX. I deposited {$600.00} into it. A few days later I wasnt able to access the account, so I called and they said they were closing my account and a check would be sent out in XX/XX/XXXX. After 2 weeks of not receiving the check I have gone into a chase branch 4 times to either verify my address, identity, or get an update as to where my check is. It has been just about 2 months and I have not received my money and I have not heard from Chase Bank in over a week as to where my money is or when I am getting it. I have done everything Chase as asked me to do but I have still not received my {$600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2022 I sent letters reguarding inaccurate and unknown items in my credit report to this day over 27 days later I have not recieved a response yet. I feel I am being taken advantage of as well being ignored for my disptues. In Scetion 611 ( a ), it states that a failure to investigate these itmes within 30 days gives a reason for immediately removeal of these itmes from my credit report it has been XXXX days and i have yet to hear anything. So these Items should be deleted promply. I request that these items be deleted immediately or I will file litigation due to the stress I have been caused by having false inaccurate infromaion reported on my credit report. I was also impacted by the XXXX data brech and may have gotten into the hands of the wrong person
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Payday loan, title loan, or personal loan

1. ( Pay pal credit put a unlawful hold on my account ) To whom is concern I rather not take this route but after being played phone tag with and listening to recordings of offers of rebate cards I have to try to get my situation dealt with from a top down to the bottom my problem with PayPal is they're running a transaction through a card that I did not authorize so in doing that sometimes that card is attached to a bank account and if you run that through my bank account it can end up with an overdraft the transaction was over {$600.00}. 
2. I am claiming that Paypal played phone instead of lifting on the account, that is on PP end not the bank.
Product: Credit card

In XX/XX/year> I received an email from HSBC stating there are new benefits associated with my HSBC Rewards card. Specifically, I was interested in the {$85.00} credit for XXXX XXXX. I called in and spoke to an agent, I inquired whether family members are covered, the agent said all family members with physical HSBC cards would be covered, if they do not have cards then no. I would be traveling to the XXXX in XXXX with my wife and daughter. I have a HSBC card, my wife has one, but my daughter does not. When I decided to go ahead and apply for XXXX XXXX I called HSBC once again. I told the agent I was told that all family members need a card to get XXXX XXXX but my daughter does not have one. He suggested that he open a card for my daughter so she could take advantage of this benefit. I agreed. We received the card in XX/XX/year>, and filed XXXX XXXX XXXX applications using the XXXX different card names. In mid XXXX I received my bill and noticed that my wife was credited for XXXX XXXX, I was credited of Global Entry, but my daughter was not. I called in to inquire, I was told by that agent my daughter was not credited because her card number, and my card number were the same. They said, because the card number is the same only one person can be credited. I explained that - I was not told this. I was encouraged to open her a card and was told she would receive the benefit. I asked to speak a XXXX. I never got a call back from a XXXX. I called in several times and the agents seemed to be lying saying they listened to the phone calls and they found no error. This makes no sense as why do I need to lie about it? Why did I need to get my daughter a card if it was going to be of no use? You can see she never used it for anything but XXXX XXXX! Fast forward today, and it's been XXXX months of me trying to get this credit and again I am getting no help. I spoke to XXXX and XXXX today who were both dismissive and rude. XXXX claimed he was a XXXX but when asked to speak to his XXXX all of a sudden could not find someone. Again, I was told someone will call you back. No one calls back! HSBC gave me erroneous information, told me to open a card that provided no benefit they said it would, and has the worst Customer Service Representatives I have ever spoken too.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help
Product: Debt collection

MY INSURANCE WAS RESPONSIBLE FOR THIS DEBT. I CONTACTED ORIGINAL COMPANY AND ASKED THEM TO RESUBMIT PAYMENT TO MY INSURANCE. MY INSURANCE STATED THEY HAVE REQUESTED FROM THE COMPANY TO RESUBMIT BILL FOR PAYMENT THEY HAVE NOT DONE SO I HAVE ATTEMPTING TO GET THIS RESOLVED FOR OVER TWO YEARS
Product: Student loan

I was being charged random fees and charges every single month whether or not the loan was paid " on time '' or not. My principal balance was NEVER touched and anything I made paymentwise was for their " fees or charges. '' On top of that my loan balance is now {$1800.00} HIGHER than the loan amount I originally took out!! I 've reached out to the executive office with no help whatsoever and advised that theyre unaware of how the charges and fees were added but that they 're accurate including my balance which is an outright lie. They 've also reported numerous inaccuracies to all XXXX credit bureaus and refuse to properly investigate and told me " we just send it back verified because our systems are never wrong and it 's a waste of our time and resources to personally investigate every credit bureau request '', which is so beyond illegal! They basically stated nothing could or would be done and too bad for me.
Product: Vehicle loan or lease

Synchrony Bank Employee I spoke to : XXXX Employee IDXXXX 1. We called this morning in order for my husband to add me as a " XXXX '' XXXX only inform us of the things I am NOT able to do. 

2. We also called to make a payment towards the principal, which XXXX to told us if we made a principal payment on the phone, they will charge interest. 
This is not fair. I am making a payment towards the principal. 
XXXX gave us an option to mail-in the principal payment to and address in XXXX Georgia and I will avoid paying interest. It's the same situation by the time it takes to get to XXXX Georgia from California. plus is theres still a CHANCE our payment gets " lost '' in the mail. 

3. XXXX also mentioned our principal payment could get tossed out!!!

4. We have yet to receive our first monthly bill.

5.This my second complaint with this company in the same month.

6. theres no place where I can check the status of my account online.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. 3 credit bureau shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at 3 credit bureaus are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my 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 creditor. I hope these disputed account are updated. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Date Opened : XX/XX/18 Balance : {$0.00}
Product: Checking or savings account

I have been a Bank of America customer since XX/XX/1988 before they bought out XXXX XXXX. Yesterday I received a check for proceeds from a land sale in XXXX County XXXX. The check was from a licensed XXXX escrow company in the amount of {$5800.00}. I deposited the check to my savings account via their mobile banking system on my phone. I received a notification that there would be a 10 day hold on this check. I have a problem with this because, according to the Federal Reserve, funds are verified within1 to 2 business day. The bank has access to my money long before I do. I spoke to two representatives at the XXXX Contact Center who said, 'sorry, nothing we can do. '. This was not some fly-by-night transaction involving a personal check. I take exception to B of A holding my money while they 'verify the funds. '. They also declined to give me their Headquarters location or a phone number, which I did find myself and have emailed the CEO of B of A. Once upon a time, check holds were quite common due to inefficient methods of verification but that changed quite some time ago and funds are cleared through one major clearing house. I find this totally unreasonable and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an inquiry alert from XXXX  regarding and a fraudulent inquiry submitted on XX/XX/2021. I disputed the inquiry and advised that I did not request a application from XXXX. I contacted XXXX card services @ XXXX and they agreed to remove the inquiry and cancel the application. 

The inquiry has not been removed.