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

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX  XXXX XX/XX/year> - XXXX following inquiry was not authorized and should not be reporting. 

XXXX XXXX - XX/XX/year> - XXXX following inquiry was not authorized and should not be reporting. 

XXXX XXXX  XXXX. - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX - XX/XX/year> - XXXX following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX  - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX  XXXX. - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX - XX/XX/year> - XXXX following inquiry was not authorized and should not be reporting. 

XXXX XXXX  XXXX. - XX/XX/year> - The following inquiry was not authorized and should not be reporting.
Product: Credit card or prepaid card

On XX/XX/XXXX my card was charged XXXX at XXXX XXXX of XXXX SC. So I contacted them and was told that my money should be released in a couple days depending on my bank. On XX/XX/XXXX I made a dispute to cash app about the charge. They sent me an email stating that it was just a pre authorization and it will be released in 14 days unless I provide information that could speed up the process. On XX/XX/XXXX I contact XXXX XXXX asking for that information. The manager emailed me a bill statement for the charge in question with a zero balance. I emailed the information to cash app and they are still holding my money, and told me it would be an additional six days. Instead of the money being released in 14 days XXXX XX/XX/XXXX XXXX they're telling me that I have to wait until XXXX XX/XX/XXXX )
Product: Vehicle loan or lease

On XX/XX/19 I spoke with XXXX. I requested an amortization schedule because I was unable to verify the principal balance. In addition, I wanted to know how they were applying the payments towards the principal balance. I was informed the information could not be given because they receive my payments on different dates but if the payments were received around the same time every month I could get the schedule. 

On XX/XX/19 I sent an email informing them payments will be made on the XXXX of each month online and I was requesting an amortization schedule so I will be able to see how my six-year payments will be applied. I received a call from XXXX who informed me they did not provide amortization schedules. I was told my loan is a compound loan and they could not provide the information I was requesting because they were not a bank. I asked her to verify the number of payments. She stated they received twenty-five payments totaling {$9700.00}. She stated {$2900.00} was applied towards the principal balance and {$6300.00} applied towards the interest. I asked her to verify the orignial amount and the interest and the length of the loan. The amount I financed was {$16000.00} at 18.74 % for 72 months. I stated I did not understand why my balance wasn't decreasing because it was showing {$14000.00}. Also, I was upset because the previous representative provided false information about the amortization schedule. 

Please verify the business practices are legit. I believe they are doing illegal practices on their loans that is why they can not provide the amortization schedule.
Product: Bank account or service

I tried to open a checking account at Huntington Bank in XXXX, Ohio. I was given a adverse action letter that stated I was unable to open an account. When I asked the bank representative why? He could not give me an answer. He told me to refer to my credit report. When I looked at all three of my credit reports I did not see any derogatory information ( no liens, no judgments, etc. ) I contacted XXXX to see if there was any outstanding balances owed or if any derogatory information existed and I was told there was n't. Given this information, I went back to Huntington to inquire further and I was told from the bank representative to contact XXXX XXXX as this is the third party they use when deciding if an account can be opened. When I contacted XXXX XXXX to see what was on the report that would hinder me from opening an account the representative, XXXX, stated she did n't see anything that would spark any red flags and was willing to contact the bank on my behalf. She sent the full report to me and I emailed it to the District Manager to see if an override could be set in place based on the lack of evidence as to why I was unable to open an account. She still declined the override after I provided her a copy of my credit report, the chexsystems report, contacted her with the representative from XXXX XXXX on the phone, and the emailed report from XXXX XXXX which ALL did not show a reason as to why I would 've been declined. I also provided the district manager with my existing account number at Huntington as I already have an account there and was simply attempting to open a separate account for convenience. To date, I have not been given an answer as to why the account was denied. No one can tell me why the system automatically declined my request nor was the district manager willing to research the issue. As a consumer, I have a right to know why I am being denied access to a checking account. I have done my due diligence to figure out why the account was being declined, but everything I researched showed there should be no problem. Reaching out to the CFPB was my last attempt in trying to figure out why this problem exist.
Product: Checking or savings account

On XX/XX/, the XXXX account that is linked to my bank account was used to send {$60.00} to an unknown receiver without my authority or knowledge. Then, on XX/XX/, a check for {$3000.00} made out to me but signed by a stranger was deposited into my account, and on the same day {$3000.00} was transferred from my bank account to an unknown receiver via XXXX ; again, without my authority or knowledge. On XX/XX/ XXXX  I received notice from my bank that the check for {$3000.00} would not be deposited because it was fraudulent. The check was from the XXXX XXXX XXXX XXXX ( XXXX ), which is an agency in Oklahoma, far from me in Connecticut. I contacted the organization, and they said they had many checks stolen from them. I also contacted the police associated with the XXXX, but they could not help. I also was in contact with the Deputy CFO of the XXXX, who also could not help. I contacted my bank several times via phone call and in-person visits, in XXXX of XXXX  a bank representative told me that they researched the claim and there was nothing they could do because XXXX is a different service from them, and unprotected. On XX/XX/ I wrote them a letter asking to speak to the fraud examiner or claim representative to further discuss this matter. They did not respond. I was XXXX XXXX XXXX and a XXXX XXXX XXXX and {$3000.00} was taken from my college funding. I did nothing wrong and the bank has only ignored or minimized this significant issue. This is a catastrophic concern for me.
Product: Credit reporting or other personal consumer reports

This complaint about inaccurate information in one of my credit report 's accounts has been made repeatedly. Even after sending numerous objections and including documentation that demonstrates the mistakes, the information is still reported incorrectly. 

In accordance with 15 U.S.C. Section 1681i of the Fair Credit Reporting Act ( FCRA ), credit reporting organizations must guarantee that all information is 100 % accurate.
Product: Credit reporting or other personal consumer reports

I write to you with deep concern and dissatisfaction regarding the unauthorized inclusion of information in my consumer report, a clear violation of 15 U.S. Code 1681b. This letter serves as an official dispute, urging your agency to conduct an immediate and thorough investigation into this serious breach of my rights. 

XXXX  Account # : XXXX Late Payments XXXX - 30 Days Late XXXX - 60 Days Late XXXX - 90 Days Late I am writing to dispute the accuracy of information contained in my consumer credit report. Upon recent review, I have discovered entries that violate the Fair Credit Reporting Act ( FCRA ), particularly Section 611, which mandates the maximum possible accuracy of information in a consumer 's file. 

Furthermore, the entries in question were reported without my written permission, contravening the requirements outlined in 15 U.S. Code 1681b ( 2 ) of the FCRA. As such, I request an immediate, comprehensive, and impartial investigation into these entries. I expect a detailed response outlining the findings of this investigation, including the original written instructions from me ( Consumer ) with my wet signature.
Product: Checking or savings account

On XX/XX/2018 my debit card was stolen along with my wallet and phone. My card got fraudulently charged around {$5000.00}. I provided the company with all the documented proof showing them the charges were not of my doing. They left my account negative {$4700.00} and some change. This was all due to identity theft, someone used my cards after they had stolen everything from me! I am still negative in my checking account and its ruining the chances of my purchasing a home because of it.
Product: Credit card or prepaid card

As the Covid-19 Pandemic started, I applied for Pennsylvania unemployment benefit. I was awarded {$12000.00}. However, I never got access to my funds as I've never received the US BANK RELIACARD debit card where the funds were deposited. 

For over 3 months, I kept calling the Pennsylvania Department of Labor to inquire about my benefit payments but I couldn't get through their phone system. Then finally, in XXXX I was able to reach a representative of the Pennsylvania Department of Labor who informed me that my benefits have been paid and that I should have been received a US BANK RELIACARD debit card. 

So I called the US BANK RELIACARD Customers service to inquire about the RELIACARD DEBIT CARD, the customer service representative informed me that they sent me a reliacard debit card and that it was loaded with {$12000.00}, however, the balance is now {$0.00} as the funds have all been drained out my account. I told the representative that I never received the reliacard. So HOW can the funds be drained out of my account? The representative then advised me to file a claim dispute. 

After filing a claim dispute, I faxed and mailed ( several times, at least 10 times ) all my identity verification to prove that I am who I am. I even did the selfie verification. From the beginning of XXXX until today, I have been calling US BANK RELIACARD everyday and they always keep telling me the same message : " We didn't receive your identity documentations '' On XX/XX/21 I called again and Tier 2 representative informed me that my claim has been denied and my account is restricted. 

When I asked for explanations as to why my claim is denied or why my account is still restricted, the tier 2 representative wouldn't give me any response beside telling me they sent me a mail. However I've never receive any correspondence from US bank reliacard. 

I faxed and mailed in my identity documentations at least 12 times with the most recent on XX/XX/21 and I have a tracking number showing that my identity documents have been received on XX/XX/21 at this address : ( Cardholder Services XXXX XXXX XXXXXXXX XXXX, FL XXXX ). Could you PLEASE confirm that you guys received my identity documents. 

I don't understand why my account is still restricted or why my claim dispute is denied. Because I've never received the reliacrd debit card in the first place. So how can someone access my account or intercept my mail and I believe US BANK is holding my money hostage. Because I've never received the debit card and I don't have access to my account. I am driving through food banks weekly and waiting and waiting It's a matter of livelyhood.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00}, XXXX XXXX XXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$0.00}, XXXX  XXXX XXXX, XXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00}, and U.S. Bankruptcy Court XXXX Date Filed/Reported : XX/XX/XXXX Asset Amount : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 i XXXX XXXX XXXX call the credit company XXXX and spoke with 3 agents there. I explain my situation. Asked the first agent is he familiar with the provicey laws and he stated yes.i then asked did he know that it is illegal to sell, submit information that inaccurate the agent XXXX stated yes so I ask why did your company sell my information, submit inaccurate information that we can both see which is open dates and closed dates that don't match 23 different ssi numbers on my account address that XXXX  want allow me to take off when is clearly shows its wrong! ..please request their records of our conversation and you will clearly here the agent XXXX state that they don't erase anything off accounts if the company that reported is a good source also they can sell information to other companies. Agent over talked me and told me lies hung up on me another agent clearly in the recording that he see the wrong thats done, I asked that he submit a complaint, he did but .but tried to make the complaint out as someone was using my account fraud and that wasn't the case it was XXXX that was doing the above mentioned also not I put in a complaint, and they telling me that I don't get a complaint ref # so how would I follow up???? if u can request the complaint I submitted yesterday XX/XX/2022 I've called fussed asked for proof, and received nothing.i was also told to not call XXXX cause they can't do nothing its not there problem call vendors .wow this is how I get treated by trying to fix my credit
Product: Credit reporting or other personal consumer reports

I have XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that are reporting incorrectly on my credit report. The accounts are closed due to a consolidation, however the payment history status on the closed loans are only reporting for 4 months. All of the loans are currently reporting on-time payments for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, instead of ALL of the on-time payment history for the life of the loan. The loans do not have visible loan numbers on my credit report so I will list them by the date each loan was opened and the amount of each loan- to identify the loans I am referring to. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a report in correspondence with the written instruction of the consumer. I never gave Equifax, XXXX and XXXX written consent. No consent is identity theft. Pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate consumer reports by allowing these inquiries to remain on my report. I am losing confidence in the banking system if these unauthorized items are not removed I will no longer to do business with you. There was some fraud on my report and therere a bunch of inquiries that need to be removed and XXXX looking to purchase however these are fraudulent inquiry that hurts my credit score - EQUIFAX XXXX XXXX XXXX XXXX XX/XX/2021 EQUIFAX XXXX XXXX XXXX XXXX XX/XX/2021 EQUIFAX XXXX XXXX XXXX XX/XX/2021 EQUIFAX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 EQUIFAX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021
Product: Payday loan, title loan, or personal loan

Account Number XXXX XXXX XXXX XXXX In XXXX of XXXX, I was connected to a representative to whom I shared with them that my requested billing date was off by one day. I explained to the representative that I am paid monthly on the XXXX and to ensure I am able to maintain credit worthiness, I requested my due date be changed from the XXXX to the XXXX of every month. I was told by the representative that the one day off mistake was made by XXXX when they sent my information to be processed and TD Finance could not make that determination to change the billing date. I was told I would need to speak with a representative from XXXX to resolve the matter. I contacted XXXX and was told the information I received was false and the finance company has the power to fix the mistake. 

I was persistent in trying to resolve this matter and paid my bill in XXXX on the XXXX when I was paid and was accessed a late charge. I contacted TD XXXX  to resolve the matter and was told there was nothing that could be done to change the billing date and nothing could be done to adjust my account to waive the late fee. I did the same in XXXX and spoke to a representative who told me I was the customer, and who did I think I was requesting a set due date. The representative went on to tell me I had a lot of nerve and I could pay the bill at the end of the day on the XXXX so the payment would not be debited from my account until the XXXX. I explained this was a risky practice and I could run into the possibility of the transaction being debited same day. I also mentioned to the representative that all of my other creditors have been accommodating and have given me the XXXX as a due date so I will not assessed late fees. The representative responded back, with the reminder that we ( TD XXXX  ) are not all of your other creditors. I explained to the representative that the companys unwillingness to change my due date by one day was causing an unnecessary hardship. The representative remained firm that there was nothing that could be done. I was also denied my request to speak with a supervisor. 


Additionally, in XX/XX/2021 I was charged a late fee of {$24.00}. In XXXX I paid my bill of {$78.00} but was charged an additionally late fee in the amount of {$24.00} even though the bill was paid. There is no reference in my received documents that a late fee can be assessed when a late fee is not paid. The late fee is only assessed when the original minimum amount owed is not paid which is not the case in this instance since I paid the minimum monthly amount.
Product: Debt collection

Keep get called repeatedly that they need to speak to me concerning a business matter and they have all my information social security number and date of birth and my location Ive never gave this company my information and dont have any outstanding debt and only have a debit card.So they continue to harass me and I feel its a violation of my rights because I dont know this business and they are making false claims against me and would pursue legal action regarding this matter.
Product: Credit card

At the end of XXXX I contacted Citibank regarding the annual fee increase an authorized user fee to determine when I needed to cancel it to ensure I was not charged. I was told as long as I called before the annual renewal date that I would be OK. I called on XX/XX/XXXX and spoke to an agent about canceling my card as I did not believe the benefits were worth the annual fee any longer. He shared he could convert me to a card with no annual fee, which I agreed to. I confirmed on the call I would not be charged the annual fee and authorized user charge. On XX/XX/XXXX I was charged the annual fee and authorized user fee for a total of {$770.00}. I called Citi on XX/XX/XXXX to inquiry about this and have it refunded and was told they can not refund it and I would have to wait XXXX billing cycles for it to refund. This means I will have to pay for this fee to ensure I receive no interest charges over these XXXX billing cycles for benefits that I can not even receive any longer since my card was converted. I feel this fee should be refunded on my account now as I should not have to pay for this. There has to be a way for them to correct this situation on my account.
Product: Credit reporting or other personal consumer reports

Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

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 a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of crimes which antidotes 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. 

I demand the collections be removed from my account immediately.
Product: Student loan

Action Financial is the 3rd party over my loans. THIS COMPANY IS FRAUD AND HAVE TOOK MONEY DIRECTLY OUT MY CHECK FROM MY JOB COMPANY KNOWING THERE WAS A STOP PAYMENT ON MY LOANS IN XXXX. MY EMPLOYER GAVE ME THE DOCUMENTS FROM THE DEPARTMENT OF STUDENT LOANS IN XXXX FOR STOP PAYMENT. IN XXXX I REQUEST A REFUND FOR MONEY OWED BACK TO ME. A TICKET CLAIM WAS SUBMITTED IN XXXX AND I WAS TOLD NOT TO CONTACT THE DEPARTMENT OF STUDENT LOANS THEY WILL MAKE THE REQUEST. IVE BEEN CALLING ACTION FINANCIAL SERVICES EVERY TWO WEEKS FOR 3MONTHS NOW AND THEY BEEN GIVING FALSE INFORMATION REGARDING MY LOAN AMOUNT, PAYMENT AMOUNT AND THE DATE OF THE REFUND. THIS CHECK FOR XXXX AND XXXX NEEDS TO BE ISSUED ASAP. IVE WAITED 3 MONTHS ALREADY I DONT WANT TO HEAR ANYTHING ABOUT A 41 DAY TURN AROUND TIME PLUS 14 BUSINESS DAY FOR MY CHECK. 
THIS IS WAGE THIEF AND FRAUD ON ACTION FINANCIAL SERVICES END. I WANT TO BE UNDER A DIFFERENT FINANCE COMPANY. OR I WILL NOT BE MAKING ANYMORE PAYMENTS. I DO NOT TRUST THIS COMPANY AT ALL!