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

I canceled the external bank transfer of {$15000.00} on XX/XX/2022, but the fund is still unavailable ( pending ) as of today ( XX/XX/XXXX ). I have contacted the representative via online chat or phone 3 times since XX/XX/XXXX, and each time I was given the misinformation that the transaction would be settled within a day or two. On XX/XX/XXXX, a representative told me I need to wait, and after I complained about my experience, he transferred me to someone in the dispute department, who told me that I need to file a dispute instead. The information is very confusing and contradicts each other. 

Moreover, I was unable to add another external bank account ( XXXX XXXX ) to my Citibank online. I believe Citibank is creating obstacles for linking external banks that do not use XXXX. ( Error message : " Access Blocked For security reasons, we can not allow you to proceed. If you require assistance, please contact Citibank Online Customer Service at XXXX [ TTY XXXX ] and mention Error Code XXXX. '' )
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Dear CFPB, Subject : Complaint Regarding Charged-Off Accounts I am writing to formally lodge a complaint regarding a charged-off account that are affecting my credit report and financial standing. 

The details of these accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These companies are 3rd party debt collectors and or financial institutions. Once your debt is sold to a third-party debt collector or considered charged off, it becomes a certificate of indebtedness. This means that it is now considered income and CAN NOT be reported to your credit report. It is important to have these accounts removed immediately.

I have also previously sent a letter to these companies three months ago, stating that I am exercising my right to opt out of their reporting of these accounts, as per 16 CFR 313.7 ( f ) and 15 USC 6802 According to the Fair Credit Reporting Act, section 602 ( a ) of 15 USC 1681 states that consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 

XXXX, TransUnion, and XXXX are consumer reporting agencies, and as the consumer, I have the right to ensure that my private information is not shared. This right is supported by 15 USC 6801, which states that financial institutions have an obligation to respect the privacy of their customers and protect the security and confidentiality of their nonpublic personal information. The furnisher of information to credit agencies is considered a financial institution under this definition. Section 604 ( a ) ( 2 ) of 15 USC 1681 states that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer. 

Neither the financial institutions, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nor the consumer reporting agencies, XXXX, TransUnion, and XXXX, have my consent to furnish this information, and they certainly do not have my expressed written consent. Any previous consent given to, or the furnisher of information to credit agencies, whether it was verbal, non-verbal, written, implied, or otherwise, is now REVOKED. 

The Furnishers of Information to credit agencies including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX did not inform me of my right to exercise my nondisclosure option, which is in violation of 15 USC 6802 ( b ) ( c ). Additionally, the Accounts that are being reported by them is an adverse item without my permission, which is against the law according to 15 USC 1681C ( a ) ( 5 ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not maintaining reasonable procedures as required by 15 U.S. Code 1681s2 ( A ) ( 1 ) A and 15 U.S. Code 1681e. Furthermore, as stated in 12 CFR 1016.7, I am opting out of their reporting services.

Without Recourse
Product: Credit card

Bank of America has cutting edge XXXX XXXX XXXX on everything else ( e.g. ATM machines ), yet its in the stone age on allowing credit card users to autopay a credit card. 

Users must go to to XXXX in order to do so, and even then it would n't be accomplished for XXXX payment cycles for a new enrollee. 

They enrolled me over the phone, and they put me on minimum pay when I wanted the balance auto paid. 

As platinum member, I get refunded interest when I called later. Responsiveness is great, but the system seems designed to make it as hard as possible to auto-pay the full balance.
Product: Mortgage

My original mortgage papers from XX/XX/XXXX when my loan was with XXXX XXXX XXXX indicate that my PMI should be automatically terminated on XXXX. My loan was sold to Nationstar Mortgage XX/XX/XXXX. The PMI did NOT automatically terminate on XX/XX/XXXX even after I contacted Fannie Mae to verify that the mortgage company is REQUIRED to terminate the PMI on this date, per my mortgage papers, and then after speaking with Nationstar who told me they needed to refigure the escrow and my next payment on XX/XX/XXXX should reflect this deduction. That has not happened and I am tired of getting the run around from Nationstar mortgage who is a fraudulent mortgage company and breaking the law if they do not comply with 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 Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDEQ FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 6058,615 ( ) and 623 ( a ) 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victim 's credit report.

Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this
Product: Credit card

XXXX and XXXX payments were made from my bank for {$390.00} @ which was a double or overpayment to XXXX credit card. Not sure if glitch their system or my mistake? Contacted them XX/XX/XXXX about it and rep said they would send refund check but takes up to 14 days so I said Id rather leave credit on my balance and just use card instead but she said she had already processed refund check so asked her to cancel it and she said she did but next day my account said a refund check was being sent so spoke again with a rep who said would cancel, but next day refund check posted to my account. I called again spoke to a XXXX this time who swore it was now being cancelled and check had not been mailed out. She said would take XXXX days to post my credit card account. Called a few days later and spoke to another XXXX who said it was cancelled and would be on my credit card by XX/XX/XXXX and call back if not by then. I had already received the mailed refund check but was told now it was cancelled so I couldn't deposit it. Called on XX/XX/XXXX and now was told it could take 30 days XX/XX/XXXX for them to put My money back into credit card balance. New bill due XX/XX/XXXX bal due is {$390.00} so if they dont credit me in time they will charge me interest on money XXXX XXXX XXXX. This is Fraudulant.
Product: Credit card or prepaid card

My refund was directed by from IRS on XX/XX/XXXXtg they frozen my account for fraud on XX/XX/XXXX I received email on what to do I did that gave all NEEDED proof it's my money from IRS using a tax transcript and still refusing
Product: Credit reporting or other personal consumer reports

I just received my new credit report for XXXX and I found quite few auto Account Review Inquiries on my credit file that wasn't authorized by me. 

This is the list of them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is the second time I have sent out a complaint about this account that I have already paid off. XXXX  and XXXX  has already removed the following account off my credit report listed below : Allied Business Services # XXXX with a balance of {$0.00} due to me paying the account off. I have already spoke with XXXX  several times explaining the situation at hand and no one has been able to help me in regards to removing this account off my report. XXXX  has told me to contact the client to have it removed but the clients states that I have to contact the credit bureaus to have it removed but nothing has been done. I have attached documents showing that the account that was paid off has been removed from XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

This is alarming. I noticed that there's an inquiry on my credit report that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report. This is making me stressed and anxious.
Product: Credit reporting

XXXX XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX {$120.00} this was taken care shows remove on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED DO NOT BELONG TO ME THE ACCOUNTS ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE CRIMINAL COMPLAINT WITH LOCAL AND FEDERAL AGENCIES I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAs. On XXXX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Checking or savings account

In XX/XX/2019, US Bank withheld {$10000.00} of my money when it decided to close my account. Three months later, on XXXX XX/XX/2019, US Bank decided to return the money to the originating bank ( my account at the XXXX XXXX XXXX  ) via two wire-transfers that equaled {$7400.00} and {$2800.00}. On XXXX XXXX, the XXXX XXXX XXXX received {$7400.00} from US Bank. The second wire transfer of {$2800.00} never arrived at the XXXX XXXX XXXX, and its location is unknown. Currently, the position of US Bank is that it is not obligated to take further actions, such as identify the location of the remaining {$2800.00}, because it believes it fulfilled its obligation when it attempted to send the two wires.
Product: Credit reporting or other personal consumer reports

Pertaining to the Fair Credit Reporting Act 15 USC 1681 Section 602 ( a ) states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and i am the Consumer. I have the right to make sure that my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic information. '' CitiBank is a financial institution by definition under that Title. 15 USC 1681 Section 604 ( a ) Section 2 states that " In general Subject to Subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to which it relates. '' CitiBank, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and CitiBank, whether it to be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless, the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' CitiBank never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681 ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which as against the law. 15 USC 1681 s-2 ( a ) ( 1 ) states, " 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. 15 USC 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this Title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this Title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR Subsection 1016.7 states that, " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit card

Account # XXXX The bank initially put the account on Charge Off status on my consumer credit reports at some point during mid XXXX. Then readjusted the account Charge Off date to XX/XX/XXXX. I have called the bank customer service phone number ( XXXX ) XXXX several times and the phone call always are transferred to an offshore location, mostly XXXX. When the customer representatives answer the phone call always tells me the same information ( The form has not be filed or we have 2-3 years to file the form ). How the bank is allowed to put the account with a Charge Off status without filling the 1099C Form and moreover without informing the customer/taxpayer about the form.
Product: Debt collection

In XX/XX/XXXX I was deemed XXXX XXXX and was no longer able to work. I held various positions with XXXX XXXX XXXX and I receive a small pension. I applied for Social Security, denied and in the process of appealing the decision. 

As a result, my income has been reduced by almost 65 % and I am working with creditors to make arrangements until my social security is approved and I receive what will be a significant " back-pay '' that will enable me to get caught up with my debt. I am having an issue with one creditor in particular, Wells Fargo Dealer Services, who holds the loan note on my car. I have fallen behind with them but have tried to send as much as a I can whenever I can. I have called several time because they never seem to update my correct contact information or have acknowledged that my wife has power of attorney over my affairs ( I have sent them documents confirming my XXXX and the power of attorney ). 

I was finally able to speak with a live person about two hours ago at XXXX. I explained my situation and she stated that she would " notate the account ''. She also told me that my vehicle can be repossessed at any time unless I pay approximately {$600.00} immediately. I told her that I could not do that however starting in the beginning of XX/XX/XXXX, I can resume my normal payment schedule and any late fees ( which I understand are unavoidable ). She said she had no record of any XXXX, power of attorney, and that if I didn't pay the {$600.00} in 8 days that the loan would be " charged off '' and I would probably never be able to get the car back. 

I have notified the XXXX Attorney General 's office who in turn referred me to this office. All that I am asking for is the following : In addition to not taking the car or charging it off in 8 days : 1. Let me resume my normal payments plus late fees starting XX/XX/XXXX when I get my next pension check. 
2. PLEASE communicate with my wife at my REAL phone number ( I will list this later as it says not to include personal information ), not the number they had on record which was false. I am on very powerful medication for XXXX and XXXX issues and I do not have the best memory. 
3. Please send me or my wife actual documents that outline what late fees we owe and that we have reached an agreement to resume a regular schedule of full payments as we originally agreed upon. We do not feel comfortable giving out routing numbers and bank account numbers over the phone. 

PLEASE NOTE : I reside with my son, as he is in a better position to care for me than my wife is with regard to reminding me about my medication and other assistance. My wife is a XXXX   XXXX XXXX patient who must remain in XXXX XXXX State more than I do because her medical team is located there ( XXXX XXXX XXXX XXXX Hospital ).
Product: Debt collection

Did not receive a notice that debt was due until after it was sent to credit bureaus.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address unauthorized hard inquiries that appear on my credit report managed by TransUnion. These inquiries were conducted without my explicit consent, violating my rights under the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and other applicable federal laws. Despite disputing these inquiries directly with TransUnion, I have not received a satisfactory resolution. 

These unauthorized inquiries have negatively impacted my credit score and hindered my ability to secure financing and credit opportunities on favorable terms. 

Details of the Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Violations Identified : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b : These inquiries were made without my explicit authorization, violating the FCRA.

TransUnion is required under FCRA 611 ( a ) to investigate and correct any inaccurate or unverifiable information within 30 days of receiving a dispute.

Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6801-6809 : The GLBA mandates that consumer financial information can not be accessed or shared without explicit consent. These inquiries infringe upon my financial privacy.

Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5531 : TransUnion is obligated to prevent deceptive, unfair, or abusive practices in credit reporting. The presence of these unauthorized inquiries violates this responsibility.
Product: Money transfer, virtual currency, or money service

I am reaching out because my account was disabled by PayPal for what I believe was a dispute I did for products that I did not receive from a merchant. This is the only dispute that I have brought up with PayPal, therefore can be the only reason for them disable my account I believe. I disputed the charge through PayPal using their buyer protection trusting that they would have my back instead of going straight to my bank about it but instead PayPal retaliated by disabling my account. This was surprising to me because I have been a PayPal member for years and have never had any issues with them.
Product: Credit reporting or other personal consumer reports

i have been victim of identity theft.My personal information has been used to obtain goods and services. I contaced Transunin and told them that this inquiries are fradulent are provided proof, even though they told me that this inquiries were verifed.Please dispute and remove fradulent information from my credit report XXXX  XXXX ( bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX  XXXX XXXX ( Auto XXXX XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and had several accounts opened in my name. I have served in the XXXX XXXX and have been in XXXX for years. When returning to the state, I discovered that my identity had been compromised. 

I contacted all credit agencies and filed a police report, while living in XXXX, NC. I sent an initial request, second request, formal request, and final request to Equifax demanding proof of verification and request for verification system used. I have sent all requests certified. 

Equifax has failed to remove any fraudulent accounts after I was told that a block was on my account and all fraudulent accounts would be removed. I requested information on the system which they used to verify their information, and I still have not received it. I have not received any verification from any of the " said '' creditors to verify the accounts. I have also filed a complaint with the FTC for non-compliant.
Product: Credit reporting

I went to XXXX Jeep/Dodge dealership only to inquire on a vehicle that I saw online. They had me fill out a what they called " a survey '' asking basic info and what kind of vehicle we currently drove. They said it was to see what prize we won because of special promotion that day. They gave us a scratch off lottery ticket ( our prize ) then told us the XXXX we wanted to ask about was actually {$11000.00} more in price. I did not fill out a credit application as that vehicle was more than I could afford. My last words to them were to please not run my credit since I was not interested in the vehicle.
Product: Credit reporting or other personal consumer reports

XXXX XXXX requested for All three credit credit bureaus to remove XXXX account and XXXX from my credit report on XX/XX/XXXX. XXXX FURNISHER did not remove from my credit report. Today ( XX/XX/XXXX ) I call XXXX XXXX associate sent a request for XXXX to remove XXXX  and XXXX from credit my report for the second time.