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

There is inaccurate information on my credit report that I believe stems from a recent data breach incident. As a victim of the breach, I am deeply concerned about the integrity of the data reflected in my credit file. 

The specific account ( s ) in question : XXXX XXXX XXXX original creditor XXXX XXXX {$470.00}, dated XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, {$1800.00}, dated XX/XX/XXXXXXXX XXXX XXXX {$980.00}, XX/XX/XXXX XXXX XXXX {$1800.00}, dated XX/XX/XXXX XXXX XXXX, {$690.00} dated XX/XX/XXXX XXXX  XXXX {$1100.00} dated XX/XX/XXXX Hard Inquiries for credit in question : XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) 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 XXXXXXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX
Product: Checking or savings account

On XXXX XX/XX/2023 an unauthorized charge was made to my Bank of America checking account thru XXXX by a merchant I do not recognize and have never done any business with in the past. 

The amount charged was {$290.00}. 

On XXXX XX/XX/2023 I contacted Bank of Americas fraud department to make the complaint of unauthorized use of my card and they promptly gave me a temporary credit of {$290.00} on XXXX XX/XX/2023. 

However on XXXX XX/XX/2023, Bank of America reversed the charge and debited my account for {$290.00}, claiming that they came to the conclusion that the initial charge made by the merchant in the amount of {$290.00} on XXXX XX/XX/2023 was legitimate. 

They have provided absolutely no proof in any shape, way, or form that the charge was legitimate, and I have absolutely no recollection of ever doing any form of business with the merchant in question. 

I have been banking with Bank of America for two decades and this sort of treatment is totally unacceptable. 

I want to reiterate that this was a fraudulent charge and I did not authorize the payment of {$290.00} on XXXX XX/XX/2023. I also do not recognize the merchant. 

Im formally making this complaint today to demand that Bank of America fixes this mistake and returns me my money. I feel that I am being abused by both the unauthorized merchant and Bank of America and this is totally unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Besides the Student loans all of the Items on my credit report is incorrect 1.My Name is XXXX XXXX from birth 2.my address has always been XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXXI never had any Credit Cards in my name Student loans yes but credit cards NO please remove Items ASAP
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX XXXX XXXX XXXX My correct date of birth : XX/XX/ My correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXX My employer is : XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.
Product: Debt collection

National Credit System is in violation of 15 USC 1681. I have no contract nor did I give any consent to National Credit System to access my information. Only the consumer can verify a debt and the alleged debt listed on my report does not belong to me. National Credit System is providing false and misleading information that is affecting my credit profiles. I do not have any contract with this company and demand it be removed from all credit profiles connected to me in accordance with the XXXX
Product: Checking or savings account

My account ( and wife 's ) was acquired from First Citizens Bank from the bank we originally opened our checking account with, OneWest Bank. It was a checking account slightly above {$10000.00} that was originally opened with no fees and it grew to {$10000.00}. When it was acquired by First Citizens Bank, I received a disclosure of this and was prompted to create a new online account with them. I did so ( in mid XXXX ). Today, upon logging into my account to acquire a possible 1099-INT tax document, I noticed First Citizens Bank started deducting a {$50.00} a month service fee beginning in XXXX and then XXXX and XXXX and pending for XX/XX/XXXX. I immediately called my local branch and spoke to a XXXX at ( XXXX ) XXXX. Amongst many statements, she said she has been fielding complaints from other clients about this and her understanding is First Citizens Bank did not provide a disclosure about these service fees to effected clients. We discussed that my slightly over $ XXXX account was placed by First Citizens Bank into their " XXXX XXXX XXXX  '' account, which requires a $ XXXX minimum. When I asked how my account was selected to be placed into an account that requires such a high minimum of nearly five times my checking account 's value, she said OneWest Bank provided First Citizens Bank " bad coded files ''. I said, this is First Citizens Bank 's responsibility. UPDATE AS I'M TYPING THIS ( XX/XX/XXXX ; XXXX ) : Just received a call from Branch Mgr., XXXX XXXX XXXX XXXX ) XXXX. He said they are reversing the fees and placing the account in one that has no fees for a checking account valued at {$5000.00} or more. He said he will do research as to why my account was placed in such a high minimum XXXX XXXX  account, and why the $ 50 monthly fees began only this XXXX when my monies were already with First Citizens Bank back in XX/XX/XXXX. He did not have an explanation and did not seem sincere in what he did share. I stated this is very suspicious and that XXXX noted this was not just my account impacted but many other accounts that were transferred from OneWest bank. He replied he would do research, reverse the fees I incurred ( {$150.00} to date ; {$50.00} per XXXX XXXX, XXXX ) and create a checking account where my monies ( approx. {$10000.00} ) would not incur a service fee or minimum penalty. I have lost faith in the First Citizens Bank brand and integrity, especially in light of untrustworthy bank concerns.
Product: Checking or savings account

XX/XX/year> chime charged my account XXXX times in a row at the exact same time, told me the App was under maintenance yet still never returned my money and blamed me for it saying I made them charges for XXXX. I do make numerous payments with XXXX but its also the XXXX which payments are taken immediately and never pending, Chime app says payments are pending for months at a time so they used that as an excuse. Even if I did make XXXX payments back to back they wouldnt be at the exact same time thats absolutely ridiculous and its only XXXX seconds in a minute. I was literally in the store paying household products and seconds after I paid for my goods Chime took XXXXXXXX XXXX XXXX times in a row for XXXX. I reached out to XXXX customer service and its not even showing in my statements that I made a deposit XXXX times at XXXX. Chime needs to be shut down immediately I have years of problems and old proof I got tired of showing and waiting for with this company Ive been through the worst experience ever to the point my XXXX XXXX been at XXXX XXXX XXXX XXXX  have been taken from me over the few years and I cant take it anymore I never felt so helpless and robbed in my life until dealing with Chime
Product: Credit card

I obtained a credit card with the understanding that I would get a {$250.00} cash back credit on my card if I bought {$1000.00} in merchandise with in 90 days.

I called U.S. Bank and spoke to a rep stating that I was going to buy a {$1200.00} sofa with the card and wanted to be sure that I would get the credit if I bought the sofa the next day. She said I would and I bought the couch the next day or on that day. records will confirm this.

I waited and waited and never got a credit for the {$250.00}. I called and they said it would be credited soon.

I waited more and called them again and they said I had not purchased the couch before the 90 day deadline.

I said that I called and spoke to a rep of U.S. Bank and she said I would get the credit.

I said I would not buy the couch if I was not going to get the credit.

I had called even a week or two before the 90 day deadline and then the day before I bought it.

I want the tapes to be listened to so that it can be confirmed that I make it clear when I was going to purchase the couch and the rep did not say that the 90 day deadline had passed.

I mistakenly thought of three months and not 90 days but I was not told the deadline was passed or that it was a 90 period and I had till the deadline day ( Whatever that was ) I have asked for the recordings so that I can confirm that I was not told that I had till the next day to buy the couch and get the credit.

Now they are refusing to give me the {$250.00} credit.

they also owe me for 5 % on the two tvs I bought on the card as well.

They have not credited me with that either.
Product: Debt collection

My children signed up for instruments at school and ended up not wanting them anymore. I lost my job and was out of work for a while. I tried to make payments and stay current. The company sent my account to collections. They imposed fees of almost half of the debt on top of the debt, never sent me any notice about the debt and just put this on my credit, i was making payments and when i tried to contact them finally they more than doubled the amount due and will not reflect any payments i have already made to them!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting a bankruptcy on my credit report they have put in the data furnisher as been the XXXX XXXX XXXXXXXX XXXX which is false i have attached a letter from the U.S. bankruptcy court of XXXX XXXXXXXX XXXX verifying and stating that they do not furnish information over the credit bureaus or any credit monitoring service nor do they verify validate any information concerning bankruptcies. Transunion is falsely stating this information on my credit report and have yet to remove this from my credit report. i sent them my credit report showing that the information is inaccurate on all three bureaus im not sure who's right, It has been removed from XXXX XXXX also.
Product: Checking or savings account

Although I already emailed XXXX, TD Chairman Dept, XXXX ; XXXX ( FTC XXXX ), OCC, and numerous of other departments ; today, XXXX, I've chosen to file a CFPB complaint because the money, {$67.00} still has not been returned. I should have this balance right now, and I don't. I have {$0.00} cents. The problem began XXXX, and today is XXXX. All of those departments have the 13 initial images with a few new ones from yesterday, XXXX. 

On XXXX, I made a deposit. Available balance was {$290.00}. if you deduct all the transactions I've made since the deposit, I should have the current {$0.00} cents plus {$67.00} ; and I don't. Who stole the money? Why? And why has it taken this long to return the money?
Product: Student loan

I began working on another degree in late XXXX. Something about this enrollment and information received by Navient from the school caused Navient to put my loans into deferment without consulting me first. I contacted Navient and instructed them that I had not requested this change and that I did not want my loans in deferment. I requested that my loans be restored to the same terms as before since I had not requested this deferment. I wanted my payments to remain the same and I wanted my principal to interest ratio to stay the same. They assured me that this would not be an issue. 

They, however, reduced my payments from {$440.00} to {$370.00} which is essentially extending the length of my loan. My principal to interest ratio also changed. Previously, approximately 28 % of my payment was going towards interest. Now, 40 % of my payment is going to interest. I contacted Navient in XXXX and was told, in writing, that my payments would be restored for the XXXX payment. They were not. I contacted them again once I got my monthly notification for the automatic withdrawal and it did not reflect the change. I was told that it was too close to the date and that I would have to call and request this again after XX/XX/XXXX. 

I called again and was told that the issue needed to be escalated and that they would get back to me in a few days. It has been a few weeks and I have not heard anything. The XXXX payment came out at the reduced rate and I can see on their website that the XXXX payment is scheduled to do the same. 

I have reached out to Navient several times regarding this issue and can not seem to get this settled on my own. After several attempts, I do believe this is a deliberate act that needs to be investigated by a higher authority.
Product: Debt collection

Columbia Debt Recovery XXXX is reporting a XXXX Collection on my account when I am not liable for any debt with XXXX XXXX, and I never had no contract with Columbia Debt Recovery XXXX. They do not provide me with the original application like I asked for.
Product: Debt collection

XXXX I am opening a complaint XXXX response to your letter dated XX/XX/year>, which purportedly validates the debt you are attempting to collect. However, after a full review of the documents you provided, it is clear that you have failed to meet the legal requirements for proper debt validation under the Fair Debt Collection Practices Act ( FDCPA ). 
Your response did not include : Proof of assignment or sale of this debt from XXXX XXXX to XXXX XXXX. 
A legally binding agreement showing that XXXX XXXX has the authority to collect this debt. 
A complete breakdown of the balance owed, including itemized charges, fees, and interest calculations. 
Because you failed to provide adequate validation, you are not legally authorized to report this debt to credit bureaus or pursue collection. Reporting an unverified debt is a direct violation of the Fair Credit Reporting Act ( FCRA ) and FDCPA regulations. 
As I previously warned, due to your failure to provide proper documentation or resolve this matter, I am filing this formal complaint with the CFPB. 
Therefore, I demand the immediate removal of this charge-off from all credit reporting agencies. This charge-off was placed without proper notice and without due process, further violating my consumer rights.
Product: Credit reporting

Hard inquiry on my credit report on or about XXXX/XXXX/15. I was contacted by creditor XXXX XXXX about pending application that was fraudulent and they closed the account. I 've filed XXXX disputes with XXXX and Transunion and XXXX XXXX had submitted information on 3 different occasions. Each time I '' m contact back about the dispute I 'm informed that the inquiry is legitimate because they are looking at my actual account opened with XXXX XXXX, not the inquiry for the fraudulent account and refuses to remove the hard inquiry from my credit report. I 've also submitted documentation of the closed account due to fraud each time. I was informed the first document was not received and the second time I was told the inquiry was legitimate due to my active account. This process has been taking place for almost a year.
Product: Credit reporting or other personal consumer reports

am filing a complaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. There are the accounts XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

duty pursuant to the FCRA, it is EXPERIAN 's to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting 4 unauthorised Hard enquiries on my account which are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given EXPERIAN any right to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish these FRAUDULANT Enquiries on my consumer report and file. It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery has reported this account to XXXX XXXX, XXXX and XXXX and they have allowed this debt to be report to my credit without verifying proper information. I have never had a legal obligation towards Portfolio Recovery, they claim they are with XXXX XXXX. I did have an account with XXXX XXXX  under XXXX which is a currently closed company that filed bankruptcy. XXXX XXXX  is already listed as a debt on my credit report and I paid this debt as a paid in full settlement agreement amount to XXXX 4 years ago. Portfolio Recovery is reporting this as a new debt on my credit in the amount of {$1900.00} stating that this account was opened 6 months which is false. Portfolio Recovery has constantly harassed and called from different numbers asking me to verify my date of birth without identifying who they are, requesting me to provide my personal information over the phone when they call me.
Product: Debt collection

The reasoning for this letter is to dispute account " XXXX '' from the creditor " THE HUNTINGTON NATL BA '' on all three bureaus, XXXX, XXXX, XXXX and cease and desist from their program entirely. I've attempted to remove the collection with the company and they were unable to provide the validation of debt with my signature. 
In addition, the full account number does not report on my credit profile.This violates several codes under the FAIR DEBT COLLECTION ACT. This collection is inaccurate and is negatively impacting my credit profile, it needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several erroneous entries. 3 credit bureaus are legally obligated to validate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is completely unacceptable to treat this reporting account as unverifiable without providing proof within the required legal timeframe. I demand that you investigate the unverifiable account listed below in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). XXXX XXXX XXXX Balance : {$3300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$30000.00} ; XXXX XXXX Balance : {$16000.00} ; XXXX XXXX Balance : {$17000.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXX Balance : {$620.00}.
Product: Credit card or prepaid card

AmEx charged me a {$95.00} annual fee on XX/XX/2023, even though I had already requested account closure. I haven't used this card in a long time, and can't even find the card. All I have is a mailed billing statement with closing date XX/XX/2023, for account ending XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi there, I applied for a Home Depot Credit card, got approved ( X/X/17 ) and received the card. Had it for 2 months, went to use it 3 weeks ago for the very first time and find out that it has been blocked. It had been blocked for 4 weeks according to the agent on the phone but nobody thought to notify me like any normal credit card company would do. I was told it was for fraudulent activity 1st even though it had never been used, then told that it wasnt fraud that it was something to do with risk, was told that it was a computer that put a block on it and not a person, then by the end of that conversation was told that there was a risk department called " black ops ''. Was then told that a supervisor had spoken to the manager of the risk department and that the supervisor would contact me back in 24 hours to explain what the issue was. A full 14 days later and no call from the supervisor. I call again today and was told by a manager this time that they can not put me through to the risk department, they can not give out the risk departments number, that the risk department may contact me by letter and there may be a contact number on the letter or they may call me instead. She said that they are a global company but are not connected to the risk department. So, as with my previous call I ask to cancel my credit card that I have never used. And they said that they can not do so until the risk investigation that they 've given me zero information on is complete. I feel like this is insufficient information on their behalf and I am concerned about how they are handling my personal/business information. This is my 1st time using Citibank NA and so far its been a negative experience. Why would anyone want to do business with a company that does n't contact you and you are unable to contact one of their specific departments, it just does n't make sense. Thank you for your time, Best regards,