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

I have attempted to dispute XXXX XXXX reporting of XXXX XXXX XXXX accounts as recently as XX/XX/XXXX with XXXX repeatedly refusing to open the FCRA dispute. XXXX XXXX XXXX is reporting the wrong amounts and wrong dates to XXXX by their own admission to Consumer Finance Protection Bureau ( please see attached ) in ongoing efforts to extend the duration of irreparable to my credit report and rating score. The accounts were open in XXXX and XXXX respectively but are noted as XXXX. I do not have a contract with XXXX XXXX XXXX and these accounts are not in an open status. XXXX   should immediately delete the false and inaccurate reports being nade by XXXX XXXX XXXX. XXXX  should appropriately reage my credit score. Also, I am victim of a natural disaster and XXXX has refused to update the report as such. 

XXXX XXXX XXXX statement on XX/XX/XXXX. 
" Business records provided to us by XXXX XXXX XXXX ( XXXX ), XXXX. XXXX XXXX XXXX ) reflect that on or about XX/XX/XXXX, XXXX XXXX opened a MasterCard credit card account ending in XXXX for XXXX XXXX XXXX whose social security number ends in XXXX. Those records further reflect that a contract was formed when the account was used and that a balance of {$460.00} was due on the account when we purchased that account and its contract from XXXX XXXX on or about XX/XX/XXXX, together with the right to receive payment of the balance due. XXXX sent its initial notification letter regarding this account to you on or about XX/XX/XXXX, XXXX Business records also provided to us by XXXX XXXX reflect that on or about XX/XX/XXXX, XXXX XXXX opened a MasterCard credit card account ending in XXXX for XXXX XXXX XXXX whose social security number ends in XXXX. ''
Product: Credit card or prepaid card

Ive been trying to get in contact with someone about helping me collect my unemployment funds on the prepaid card they sent me, but Ive been told that I need to verify myself and Im confused because I did everything I needed to do and still havent received anything.
Product: Bank account or service

On XXXX/XXXX/2015 I got a call from there fraud prevention they ask if I ok a certain transaction on my XXXX XXXX card I said no.They canceled my card. I called Susquehanna Back they gave me the # for the place that charged my card. At that time I was told the person I talked to told me she will order me another card. It would take 5-7 business days till i get it. Well on XX/XX/XXXX2015 the day before I was going to leave to go out of town I called the bank to find out my card was never ordered I hung up on them. After I cooled of for a little I called back and told the person I was leaving to go on vacation the next day she said OH MY and I said OH MY is right. I did n't want to carry cash with me she said to come into the bank to get travelers checks. I should not have to change my plans because they have incompetent employees. So I had to cancel my vacation ( fishing on the outer-banks with friends because of their screw up. I waited all year for this and was not going to have my friends hold money or checks for me. I want some kind of action from this bank I am out my deposit for the trip
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts have violated my rights. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX 15 USC 1681 section 602 A, states I have the right to privacy.

15USC 1681 Section 604 Section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC1681c. ( 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 ante cedes the report by more than seven years.

15 USC 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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. XXXX XXXX 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Checking or savings account

The short story : on XX/XX/XXXX, XXXX.My daughter was a victim of identity theft on our joint account. A man approached her saying his phone was dead and asked if he could use hers to call his dad so his dad could call him an XXXX. While he had her phone, he went into her XXXX account and transferred {$3000.00} out of her account. There is a full detailed account of the transaction in the Police report ( Page 5 ) so I won't recount it here. 

We filed a police report ( attached ). We also filed a claim to Bank of America ( BOA ). We received a letter from BOA on XX/XX/XXXX from BOA said that because the transfer came from her phone, which had been used in valid XXXX transactions before, they would not reimburse. 

On XX/XX/XXXX, I disputed their decision citing that the Electronic Transfer Act protects people when funds are taken out of her account without their permission or authorization. Her phone was taken under false pretense and she did not authorize the {$3000.00} in any way. 

On XX/XX/XXXX they rejected the claim for the same reason stated earlier. 

In XXXX we asked them to send us their backup documentation for the rejection. We received that on XX/XX/XXXX. 

I don't believe that further escalating to BOA will be useful. Throughout the process it's very clear that they don't want to make this an easy process. If I call at XXXX XXXX  sharp ( when they open ) I am generally on hold for an hour. If I call at any other time of the day it's 2+ hours. The number they provide on the rejection letter connects be to a general switchboard so I always have to get transferred to " Fraud Division '' and go on hold again. The only way I could dispute was via fax, but there was no fax number on the rejection mail. I had to go through the call process to discover the dispute process. It's clear they want to make this difficult so that people give up. I have $ 300K+ in BOA account and have been a member for 20 years, so I don't have any reason to try and get {$3000.00} out of them. 

I have attached the police report, the first BOA rejection letter, our dispute that we faxed over, the 2nd BOA rejection letter, and the backup document they send us.
Product: Checking or savings account

Received a check from my deceased father 's life insurance policy for the amount of XXXX USD on XX/XX/2023 and deposited it. Check went in on XX/XX/XXXX but my account and funds were put on hold till the XXXX. The XXXX of XXXX came and went and my account still was placed on hold and still had no access to my funds, regardless of where they came from. My bank could not verify the origin of the check despite it being from a respected and known institution, which I find absolutely outrageous. After a long struggle with the bank i decided to close the account to open a new one elsewhere and have them resend me my check. My bank still hasn't let go of that previous check meaning i cant receive a new one and after speaking to the insurance company today ( XX/XX/2023 ) they said the check was cleared and cashed on XX/XX/XXXX without anyone calling to verify. I have not seen a single cent from that check and have gone through extreme hardships trying to get this situated. Neither company seem interested in helping me fix this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information contained within this file is incorrect. The reported balance that XX/XX/XXXX is reporting is inaccurate. They are also not the rightful owners of this debt. When XXXX XXXX  closed the FDIC assigned this debt to be handled by the US Government. A formal complaint has been filled against XXXX XXXX, XX/XX/XXXXand the Credit Bureau.
Product: Credit reporting or other personal consumer reports

I Called XX/XX/XXXXXXXX XXXX XXXX  asked them to send me a Signed Contract stating I gave them Permission to Share my Account information with Anybody this Violates 15 U.S.C. ( 1681 ) sec. 604 also States a consumer reporting agency can not furnish an account without written consent 15 United States Code 602 Right to Privacy XXXX  XXXX XXXX Transunion Please Remove this Account Immediately as this is a Violation
Product: Debt collection

After reviewing my consumer reports I noticed Harvard Collections appearing negatively. It seems to be violating XXXX XXXX XXXX XXXX ( XXXX ) by using deceptive means to collect or attempt to collect a debt or to obtain information concerning myself. I dispute owing any monies to this debt collector and I am requesting a declaration signed stating that was is written is true. I also request copy of a judgment against me for this alleged obligation. 

Because Harvard Collections have failed to comply with many provisions of the FDCPA I may seek remedies owed under XXXX XXXX XXXX ( d ) in a federal complaint. In visiting the XXXX XXXX XXXX XXXX this seems to be common practice for Harvard Collections. I am communicating through the agency that enforces the FDCPA and protects consumers. 

You have damaged my reputation and have caused arguments with my significant other a month prior to our wedding over this action.
Product: Mortgage

After my wife and I divorced in 2013, she signed a quit claim deed and made sure the divorce decree noted she was relinquishing her rights to the house. 
I then spoke with Citimortgage, my mortgage holder, who gave me the option to complete a loan modification. After filling out the paperwork and sending all the required documents, including the divorce decree and the quit claim deed, the Citimortgage auditor considered me for the modificationAfter review, the modification was approved. Because the mortgage was behind in payments, the mortgage was reduced {$100.00}. Due to my ex wife filing bankruptcy, I was left with too much debt, so I too filed. CitiMortgage also had knowledge of this information during the modification orocess. 
Back to the home, I again was ordered to pay a {$100.00} reduction for 30yrs at the same purchase price. Keep in mind Citimortgage being part of the lenders responsible for the housing crash, some involving good people. The purchase price was XXXX and the current value is XXXX. 
CitiMortgage sends me the paperwork for this " lemon loan '' and I need to have my ex wife sign. I spoke with Citimortgage and discussed she would not sign and I thought the quit claim deed and divorce decree handled this situation. My ex wife was still on the loan paperwork and therefore needed to sign. 
I was told by a Citimortgage representative on the phone that this was a regular occurrence. 
I just want others to have access to this information. I think Citimortgage should be ashamed of this process but they blamed it on Consumer Finance Protection Bureau. CFPB, please look at your regulations with these banks. CitiMortgage is still allowed to mortgage overpriced homes, foreclose hiding behind your rules, and going on like nothing has happened.
Product: Credit card

Formal complaint about XXXX Citi credit card 's interest charges : I have had this card for many years and never missed a payment. In XXXX XXXX of my payment was short as per Citi. I had spent XXXX for the month ending on XX/XX/XXXX and I was short in my payments by couple of XXXX dollars. 

XX/XX/XXXX INTEREST CHARGED TO STANDARD PURCH {$47.00} On XX/XX/XXXX I noticed an interest charge and made an excess payment which would pay off previous balance in full and a lot more. I called Citi and they reversed the above interest charge. 

On XX/XX/XXXX I see another charge on my account even though I had paid off balance due by XX/XX/XXXX IN FULL. 
XX/XX/XXXX INTEREST CHARGED TO STANDARD PURCH {$45.00} I called Citi about this charge and they did not give any reasonable explanation on why these charges were applied again. It seems they are charging me money just for having a revolving balance on the card which is being paid off from time to time. Here 's my payment history of regular payments being made throughout my billing cycle. 

XX/XX/XXXX ONLINE PAYMENT, THANK YOU - {$2000.00} XX/XX/XXXX ONLINE PAYMENT, THANK YOU - {$2000.00} XX/XX/XXXX ONLINE PAYMENT, THANK YOU - {$500.00} XX/XX/XXXX ONLINE PAYMENT, THANK YOU - {$600.00} XX/XX/XXXX ONLINE PAYMENT, THANK YOU - {$600.00} XX/XX/XXXX ONLINE PAYMENT, THANK YOU - {$500.00} This is extremely unethical behaviour by Citi to charging a customer interest fees in amount of {$47.00} + {$45.00} twice for being short by couple XXXX once.
Product: Payday loan, title loan, personal loan, or advance loan

**Company Information : ** - Company Name : Quick Bridge Funding , LLC - Also Involved : XXXX XXXX XXXX XXXX XXXX 
- Address : XXXX XXXX, XXXX XXXX, XXXX, CA XXXX ( Quick Bridge Funding ) - Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX XXXX ) XXXX. I entered into a Business Loan Agreement with Quick Bridge Funding , LLC, and expected to be dealing solely with them. The loan agreement did not disclose that Quick Bridge Funding would act as a servicing partner for XXXX XXXX XXXX XXXX XXXX However, discrepancies became apparent when the loan funds were disbursed by Quick Bridge Funding , LLC, but all repayments were required to be made to XXXX XXXX XXXX XXXX XXXX 

2. This lack of transparency and disclosure regarding the servicing partnership raises serious concerns about potential misrepresentation and fraudulent practices. I have no direct acknowledgment or documents that clarify Quick Bridge Fundings role as a servicing partner for XXXX XXXX. 

3. The loan agreement is mischaracterized as a XXXX XXXX XXXX ( XXXX ) but displays characteristics of a loan, such as fixed repayment terms and a lack of genuine risk for the funder. This structure suggests it functions as a loan and may violate XXXX usury laws. 

4. The interest rates charged under the loan agreement and additional fees result in an excessively high effective interest rate. The total cost of the loan, including fees, translates to an annual interest rate of approximately 75.36 %, which far exceeds the allowable interest rate under California law ( California XXXX XXXX XXXX ). This high rate of interest suggests a pattern of predatory lending. 

5. The XXXX filing by Quick Bridge Funding , LLC extends beyond the agreed-upon security interest by encumbering an inordinate range of business assets. This overreach has significantly impaired my ability to obtain other financing, putting undue strain on my business operations. 

6. Additionally, the agreement includes a personal guarantor requirement that imposes substantial personal liability. This personal guaranty directly impacts my creditworthiness and has led to the denial of personal and business credit applications. 

7. Despite my attempts to negotiate a reasonable settlement, XXXX XXXX XXXX and XXXX XXXX have proposed payment plans that are financially untenable, and no adjustments were made in response to my legitimate financial constraints. 

8. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate these practices, specifically : - The non-disclosure of Quick Bridge Funding 's role as a servicing partner. 
- Potential misrepresentation and fraudulent practices. 
- Overreaching UCC filings and their impact on my financial situation. 
- Excessive and usurious interest rates and fees that violate XXXX XXXX laws.
Product: Credit card or prepaid card

In XX/XX/2021, I lost online access to my credit card account as my phone number changed. This meant I was not able to view my statements, in order to make payments, due to a loss of 2 factor authentication. I called multiple times to attempt to resolve the issue, and submitted proof of identity multiple times as requested. However, my issue was still not resolved - I remained unable to access my account and make payments. In a final call in XX/XX/2021, I sought confirmation that I had done all I could on my end, and would not be charged interest while Capital One restored access to my account. I was given this assurance. 

I followed up in XX/XX/2021, and found out that I had in fact been charged interest. While my XXXX and XX/XX/2021 calls, where I sought the above assurance, were recorded, Capital One refused to review these calls to confirm as such, nor would they provide me with the recordings of those calls, and advised that my interest charge would stand. In fact, in XX/XX/2021, I had explicitly requested email confirmation of the agreement made in those calls in order that I had confirmation of our discussion, but was denied.
Product: Credit reporting or other personal consumer reports

I am writing to formally report that I am a victim of a data breach, which has resulted in fraudulent accounts appearing on my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following accounts : Fraudulent Accounts : 1. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$83000.00} XXXX. XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6900.00}
Product: Credit reporting or other personal consumer reports

I am writing to request assistance regarding an issue with multiple credit inquiries that were improperly listed on my credit report. On XX/XX/XXXX, I visited XXXX XXXX XXXX to apply for a single auto loan, and I was assured that my credit would only be checked once. However, I discovered that my credit was run eight times over three consecutive days : XX/XX/XXXX, and XXXX, XXXX. 

In addition, the dealership had me drive XXXX hours after confirming the exact amount I would pay since my credit was ran at another location one time and said they could use this - I got there and it was more than 2.5 times the amount - the manager tried to bully me into agreeing to this amount and when I did not he without my authorization ran my credit 8 more times after I stated I needed to purchase a home soon and did not want it ran more than the one time I agreed to. I am now struggling to get my credit up to purchase a home. 

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 multiple inquiries were conducted without my authorization and have negatively impacted my credit score. I understand that multiple inquiries for an auto loan within a short period are typically treated as a single inquiry, but in this case, I did not consent to such numerous checks. I have contacted the credit reporting companies and the companies that ran my credit as well as the dealership with no luck so request the removal of these unauthorized inquiries, but I am seeking your assistance to ensure this matter is resolved promptly and my credit report is corrected. Thank you for your attention to this issue.
Product: Debt collection

I received a small claims court judgement of {$1200.00} on XX/XX/year>. They already garnished {$710.00} from my employment. I was about to pay the rest in full but on their portal it says I owe {$1300.00}. Which is more than the court ruled on and none of my garnishments reflecting my balance. 

I have tried contacting them multiple times but they will not respond. I am considering legal action.
Product: Credit reporting

Experian is ignoring my numerous requests to investigate, verify and remove accounts from my credit report that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with TransUnion several times by mail and several times by phone about the public record showing on my report its the chapter-XXXX bankruptcy.I have asked how does TransUnion verify TransUnion first stated through the courts witch is not true then TransUnion said through a third party called XXXX. So i went to the courthouse and spoke with the clerk she stated that the courthouse does not release information to third party companies such as the credit bureaus or XXXX then i called and wrote XXXX they stated that they get there information from XXXX.I know my rights and the FCRA rules/laws.TransUnion is supposed to contact the actual furnisher witch would be the courthouse.This is false reporting and i want it removed from my credit report immediatly! Also the reporting date is incorrect its reporting XX/XX/2015 that is inaccurate information on my report witch calls for deletion.Another thing is my XXXX account along with other third party compaines are frozen so its no way TransUnion is veryfing through XXXX i will attach documents along with this for proof.