23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint with XXXX for this account with Portfolio Recovery Associates ( XXXX XXXX ) as Portfolio Recovery is only reporting the date that they bought the file. They are reporting that this account was opened in XX/XX/XXXX. They are not reporting or even showing the date that the account was charged off during the statement period of XX/XX/XXXX to XX/XX/XXXX. XXXX DOES NOT have any place where the original delinquent date can be displayed on my report. It makes it look like the account went bad on XXXX XX/XX/XXXX, not 2 years earlier. Each and EVERY time I dispute it they always say the information is correct. According to what I read in www.ftc.gov/os/statutes/fcradoc.pdf, the date the account went delinquent must be reported within 90 days of submitting the account to the credit reporting company. How can XXXX NOT show the delinquency date? 

AND XXXX AND XXXX IS SHOWING THE SAME DATE XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In Accordance with the fair credit reporting act XXXX XXXX account # XXXX, Has Violated My Rights. 

XXXX5 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 Furnish a Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions.
Product: Credit card

XXXX XXXX  UNDER LOUISIANA statue denied by both Barclays. BARCLAYS. Said they understand the law but choose to not support it.
Product: Checking or savings account

Complaint Letter to the Consumer Financial Protection Bureau ( CFPB ) Regarding USAAs Unauthorized CD Reinvestment Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding the unauthorized reinvestment of my IRA CD by USAA Federal Savings Bank and their continued failure to release my funds despite multiple requests. 

Background of the Issue On XX/XX/year>, USAA sent me a notice confirming the maturity of my IRA CD and that action was needed by me to determine what to do. 
On XXXX XXXX I received a notice that the CD had been invested into a new CD On XX/XX/year>, I contacted USAA and explicitly informed them of my intention to withdraw the funds upon maturity. 
On XX/XX/year>, during the XXXX XXXX XXXX XXXX XXXX weekend, I unexpectedly received a notice that my funds had been reinvested into a new CD without my consent, at an interest rate significantly below market standards. 
I have since completed additional withdrawal request forms, yet USAA continues to withhold my funds, failing to honor my initial instructions. 

My Complaint 1. Unauthorized Transaction : USAA ignored my explicit instructions to withdraw my funds and instead reinvested them into a new CD without my consent.

2. Deceptive Banking Practices : The reinvestment occurred over a holiday weekend, limiting my ability to take immediate corrective action.

3. Unfair Treatment & Delays : Despite following their procedures and submitting the required forms, USAA has yet to release my funds.

4. Financial Harm : By reinvesting my funds into a lower-rate CD, I have been forced into an investment below market standards, affecting my expected returns. 

Resolution Sought I am requesting immediate release of my funds from the unauthorized CD and reimbursement for any lost interest I could have earned had my funds been available for reinvestment at competitive rates. Additionally, I ask that the CFPB investigate this matter to prevent USAA from engaging in similar deceptive practices against other customers. 

I appreciate your prompt attention to this matter and look forward to your assistance in ensuring that my financial rights are upheld. 

XXXX XXXX
Product: Consumer Loan

I have a consumer loan that was past due, they sent a intenet to garnish to my job, I have sent a letter to them revoking the voluntary wage Assignment that they are not honoring, in addition to the fact they have sent the loan to an attorney
Product: Mortgage

My XX/XX/XXXX Statement shows a refund of {$4600.00} from the county taxing authority on XX/XX/XXXX. On XX/XX/XXXX, after not receiving the refund, I called my Lender, Amerihome, to inquire about the refund. I was told during that call that it had been mailed on XX/XX/XXXX, and that I should wait 30 days, before calling back. I called back on XX/XX/XXXX, and was then told that the check didn't actually go out until XX/XX/XXXX, and that I had to wait 30 days from that date. Well, I called today, XX/XX/XXXX, only to be on hold for 20+ minutes. In these lean times that everyone is having to deal with, why am I having to chase down Amerihome to get my refund? Now that I have inquired about the refund, why aren't they being aggressive in keeping me informed? What are they doing with my money? In two weeks, it will be at least two months since they received the refund from the taxing authority.
Product: Checking or savings account

The rules of my check account require that I have a {$5000.00} balance in an attached savings account to avoid a checking fee of $ XXXX/month. For a reason I can't recall, I took some money out of the account causing a drop of about {$200.00} below the requirement. After a couple of months I realized the error and replaced enough money to go above $ 5k by a small amount. Because I did this in the middle of the term, another {$15.00} fee was assessed, dropping me below $ 5k slightly. I was not aware of this, and I was assessed {$15.00} for a few months more. After talking with my branch manager I got two fees returned ( {$30.00} ) but a few days later  another fee was assessed. So I have been charged over {$100.00} in service fees at this point. I do not believe I have received {$100.00} in service, rather, this kind of process benefits the bank only. I realize that if I had made it a habit of looking at my monthly statement I would have discovered this sooner, but it is my intent to leave the attached savings alone. I don't know why I took funds from that account, but my complaint is that the band should notify a customer who is being charged a " fee '' in this situation. They have the ability to personalize any email and postal mail they wish in their advertising. This is a cash flow opportunity, not a service which benefits me.
Product: Debt collection

Someone opened an account fraudulently in the name of XXXX XXXX on XX/XX/2018 with Victoria 's Secret ( Comenity Bank ). When account was learned of, a police report was filed, identifying the fraudulent account with Victoria 's Secret. The police report and personal identifying documents were provided to Comenity Bank as part of a dispute of the fraudulent account. When Comenity Bank determined the account was valid, a request for file disclosure was made as allowed by way of the FCRA and FACTA. However, the only information provided by Comenity was the date of account opening and the name of which it was opened. This does not constitute file disclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not sign up for an account with XXXX XXXX. I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without contacting me first XXXX XXXX. I requested XXXX  and Transunion to validate this information and provide me with copies of any documents associated with this account bearing my signature but they were unable to supply it. CFPB step up and remove XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID As well as my XXXX bank statement and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Early Warning Services are XXXX party consumer reporting agencies, that have been furnishing my information without my consent and according to 15 U.S Code 1681 section 602 states, ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartially, and respect for the consumers right to privacy. Based on the discovery I have made and under the Privacy Act of 1974 ( 5 U.S. Code 552aXXXX XXXX XXXX and Early Warning Services have both violated my consumer rights to privacy. There are over XXXX pages with XXXX banking transactions per page of my banking transaction history reported to Early Warning Services that I surely did not authorize Early Warning Services to have. As for XXXX XXXX, there are over XXXX pages of very sensitive, private and detailed information about myself, in addition XXXX XXXX disclosed some of my family members information in my consumer report as well. That is a direct violation of my and my family members privacy, and I absolutely did not give XXXX XXXX authorization to that information.. This is a high invasion of my privacy, and I am the consumer and have the right to ensure my personal information is protected and not shared with anyone that I did not authorize to have, which is supported by 15 USC 6801 ( a ) Privacy Obligation Policy which reads 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 personal information. Due to 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX and Early Warning Services need my consent to have my information. XXXX XXXX and Early Warning Services do not have my consent to furnish any information about me and they surely do not have my written consent. Per the FCRA and ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time, as a federally protected consumer, I am now opting out of all authorization I the consumer may have given you, written, unwritten, verbal and nonverbal per 15 U.S. Code 6802. Per 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods
Product: Credit card

I asked why there are two different credit card reporting on the same card and they was never removed.
Product: Checking or savings account

Description of the Incident : During the period of XX/XX/XXXX to XX/XX/2024, unauthorized transactions totaling {$4900.00} occurred on my Citibank account. These transactions were not initiated by me, and I noticed them when reviewing my account statement. I promptly reported these to Citibank and expected a thorough investigation and resolution. 
Actions Taken : After discovering the unauthorized transactions, I immediately contacted Citibank 's customer service for clarification and dispute resolution. Despite several attempts to understand how Citibank reached their decision, the information provided was insufficient, and communication was abruptly ended, leaving my concerns unaddressed. 
Subsequent Developments : Following my report to Citibank, an initial investigation was conducted, after which Citibank denied my dispute. I then filed a complaint with the XXXX, but Citibank once again denied the claim. The lack of transparency in Citibanks investigation process and their failure to provide concrete evidence supporting their decision has left me with unresolved questions regarding the security of my account. 
Request for Specific Information : Given the situation, I am requesting Citibank to provide detailed information regarding the disputed transactions. Specifically, I am seeking exact timestamps, IP addresses, and locations of where each transaction occurred, along with any other relevant data that can help identify the nature and source of these unauthorized transactions. This information is crucial for me to understand the security breach and to take appropriate steps to safeguard my financial assets. 
Conclusion : I have been a loyal customer of Citibank for over 10 years, and this situation has significantly impacted my trust in the banks ability to protect my financial interests and resolve disputes effectively. I am seeking the intervention of the Consumer Protection Agency to ensure a fair and transparent resolution of this matter.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX XXXX where I havent signed authorization to sell my personal information to third parties. 

15 USC 1681 ( o ) civil liability for negligent noncompliance I will never open new accounts. in XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  Company Sold Account Type : Debt Buyer Date Opened : XXXX XXXX Status : Collection account. {$610.00} past due as of XX/XX/XXXX Status Updated : XX/XX/XXXX Balance : XXXX Balance Updated : XX/XX/XXXX Paid Off : 0 % Monthly Payment Past Due Amount:XXXX Original Balance XXXX Terms : XXXX XXXX Responsibility : individual Your Statement : XXXX Comments : Contact Info : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX payment history XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX Company Sold : Account Type : debit buyer Date Opened : XXXX XX/XX/XXXX Status : Collection account. {$890.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : XXXX Balance Updated : XXXX XX/XX/XXXX Paid Off : 0 % Monthly Payment : - Past Due Amount : XXXX Original Balance : XXXX XXXX month Responsibility : Individual Comments : Contact Info : ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX 
Company Sold : Account Type : Debit buyer Date Opened : XXXX XX/XX/XXXX Status : Collection account. {$790.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : XXXX Balance Updated : XXXX XXXX Paid Off : 0 % Monthly Payment : ~ Past Due Amount : XXXX Original Balance : XXXX Terms : 1 month Responsibility : Individual Your Statement : Comments : Contact Info : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX 
Company Sold Account Type : Debit buree Date Opened : XXXX XX/XX/XXXX Status : Collection account. {$1500.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : XXXX Balance Updated : XXXX XX/XX/XXXX Paid Off : 0 % Monthly Payment : - Past Due Amount : XXXX Original Balance : XXXX Terms : 1 month Responsibility : Individual Your Statement : Comments : Contact Info : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15usc 1611 XXXX XXXX and Equifax is criminally committed. They are amiably committed for twofold the proportion of the cash charge according to 15 usc 1640. 

Besides, they are in danger for each fdcpa encroachment according to usc 1692k. I'm mentioning they wipe out this alleged commitment from my customer reports, send portions to me for encroachment. 

Aslo, apologize. 

An alleged commitment being equipped on your " credit '' report is an encroachment of 15 usc 16922b. ( 2 ) it is similarly publicizing to certain portion. Which is unlawful. 

I'm mentioning that you dispense with these Transactions from my report immediately as they are an encroachment of my advantages as an administratively ensured buyer under title 15 area 41. Concerning the records recorded under as a client I'm mentioning a crossing out of these records. 
Cc : Consumer Financial Protection Bureau.

Cc : Attorneys General Office.

Cc : Better Business Bureau.

Cc : State Senate.

Cc : Federal Deposit Insurance Corporation.

Cc : Comptroller of the Currency.

Cc : Federal Reserve System.

Cc : Credit and Insurance.

Cc : Federal Trade Commission.

Cc : State Regulatory Agency
Product: Credit card

I bought a XXXX XXXX XXXX XXXX  for XXXX through Klarna in XXXX XXXX XXXX  I received the wig was poorly made.The XXXX was not as described so I contacted XXXX XXXX and Klarna. Klarna put the payments on hold while they " investigated '' the claim in XXXX. I uploaded all information along with pictures to Klarna. After about one month, Klarna closed the investigation supposedly because I did not upload " sufficient '' evidence.Meanwhile, I contacted XXXX XXXX. I received different emails- One email stated that there was nothing wrong with the XXXX. I needed to pull it down on my head and it will be fine. 
Another email had apologies and that they could give me a partial refund or a new XXXX I was okay with receiving a new XXXX After a month, I had heard nothing so I emailed the company again. They offered to give me {$30.00} refund although the XXXX was {$130.00}. I responded that {$30.00} was unacceptable since the XXXX  was {$130.00}. I am disappointed that Klarna did not investigate this further and closed out the claim. I'm also appalled that XXXX would think it's acceptable to offer a customer {$30.00}, then {$40.00} to settle a XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/2022 Amount : XXXX ( Did honor balance transfer ) Citibank issued me a check in my XXXX of XXXX statement. The check was to transfer a balance from another charge card. The apr 0 % for 12 months. Also, I received guidelines how the check was to submitted and I called Citibank to ensure I complete it correctly. I did that on XX/XX/2022. 

1. CitibankXXXX XXXX I spoke to three customer representative and the third one finally told me how to complete the check ( from Citibank ). 
2. XXXX XXXX I completed the check the way the Citibank representative have informed and mailed it to XXXX. 
3. XXXX XXXX Citibank didnt pay the check. 
4. I called Citibank XXXX, XXXX  to fine out why they didnt pay the check. 
A. I spoke to XXXX and she said because my account wasnt eligible for the offer. So, I asked to speak to her manager. 
B. The manager said the account wasnt activity. So, I asked to speak to someone higher up. 
C. XXXX of the manager ( XXXX ). She said the previous representatives told me the incorrect reasons and she would complete a dispute report to find out why the check wasnt paid. She completed the report and she would call me XX/XX/XXXX, at XXXX XXXX. She never called me back. 
5. XX/XX/XXXX, I called Citibank and I spoke to XXXX she said the check wasnt paid because offer was for new account only. I told her in the XXXX statement information didnt state that. She said she would write that information on my dispute report. 
6. XX/XX/XXXX, I called Citibank to check the status on the dispute report. 
A. Spoke to XXXX in the dispute department and she said the check was completed incorrectly. I asked to speak to her manager. 
B. XXXX was the manager and he said the reason the representative gave me was incorrect. He told me to call XXXX to see the reason why Citibank didnt pay the check and to call XXXX with the reason. He also said a dispute report had never been completed and he would complete one. 
7. XX/XX/XXXX I called Citibank with the information. I spoke to XXXX and he said, didnt see anything in my file and no dispute report was in my file.
Product: Credit reporting or other personal consumer reports

Your Name Address City, State Zip XX/XX/year> RE : Social Security Number : XXXX To Whom It XXXX Concern : This is my second time writing to you to update my personal information. 
XXXX XXXX XXXX ( a ) ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report. 
Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one attached. 

Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed.
Product: Checking or savings account

This is the second time that I 've noticed this, so I believe it is the strategy of Bank of America to remove charges from a person 's transactions in order to trigger overdraft fees. I made a charge at XXXX XXXX in XXXX for {$14.00} plus a {$3.00} tip. The {$14.00} showed up immediately, but then disappeared a few days later, giving me the false impression that I had more money than I really do. In fact, along with that charge came ATM transaction fees that are several days old. Is this practice legal?