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

There is an account on my credit report from a gym called XXXX, XXXX XXXX XXXX XXXX. The information states the I had an account with this gym and that it was not paid. I never had a membership at this gym and never signed up for any membership at this XXXX. The account is not mine. I have sent letters to all three credit bureaus as well as the collection agency explaining that these accounts are not mine and they have still not removed the incorrect information.
Product: Checking or savings account

On XX/XX/XXXX, I took my children XXXX shopping at XXXX XXXX. After we got back home, my son XXXX XXXX, XXXX asked me to see of I could log in his bank account because he had received a notification that his account was locked due to suspicious activity. When I logged in my account, I saw that his checking had a deposit for {$900.00} and a withdrawal for {$500.00}, both on XX/XX/XXXX. Also, I noted that those transactions were at a Chase ATM in XXXX. I called the XXXX number for Chase Bank immediately, and I told my son to call, too. I told the representative that those XXXX transactions were fraudulent and that I was removing my son 's money from his checking and savings accounts. My son also stated that he did not have his debit card, and I relayed that information to Chase Bank. I told Chase that I believed the fraudulent activity was committed by someone at Chase Bank and I told them to pull the cameras. On XX/XX/XXXX, Chase reversed the deposit, leaving negative {$400.00} balance on the checking account. I called Chase Bank again and said that the bank needs to reverse that fraudulent withdrawal ; I told my son to call again, as well. After, this time and some time in XXXX, my son had to call once again, at which time Chase Bank reverse the fraudulent ATM withdrawal. Whenever I called Chase Bank, I requested to speak to management or a representative would say that I would get a call back. But, I did not receive a call back. I let the issue go because Chase Bank reversed the fraudulent charge and closed his accounts. However, on XX/XX/XXXX, my son and I received a letter dated XX/XX/XXXX. It stated that the past due balance of {$500.00} was due. I called the bank and said there is no past due balance. I also reiterated that I had requested several times for the bank to pull the cameras on that ATM. The branch XXXX XXXX XXXX said that she would escalate the complaint. I told her that I was still going to have the police meet me at her branch ( Chase XXXX ) on XX/XX/XXXX. However, when I called on XX/XX/XXXX, a representative told me that XXXX XXXX was not in the office.
Product: Mortgage

I have been making regular, timely payments on my mortgage since it was originated in XX/XX/XXXX. During that time the note has been sold twice -- first from XXXX XXXX XXXX to XXXX XXXX XXXX XXXX and more recently to XXXX XXXX XXXX. There were no issues until now, but XXXX is not crediting my payments on time. 

XXXX 's statements arrive on about the XXXX or XXXX of each month, with a due date of XX/XX/XXXX. I always mail the payment immediately. Until XX/XX/XXXX of this year the loan was interest-only, with amounts due ranging between {$330.00} and {$360.00}. I tend to add an additional amount for principal, so my payments total {$500.00}. ( My understanding is that the loan is now being converted to Principal + Interest. ) On XX/XX/XXXX XXXX phoned to say they had not received my payment for that month. To avoid late charges, I send a second check for {$500.00}. Both checks ( # XXXX, dated XX/XX/XXXX ; and # XXXX, dated XX/XX/XXXX ) then cleared my bank on the same day ( XX/XX/XXXX ). On XX/XX/XXXX XXXX phoned again with the same problem : They did not have my payment, even though I had mailed the check on XX/XX/XXXX. I discussed the recurring issue with their representative, who explained that XXXX is not really set up to process checks. She said they prefer electronic payments. This was news to me. I informed her of my check number ( # XXXX ), and as I knew they must have it, I did not send a second payment. 

The check cleared my bank on XX/XX/XXXX. I have now received a Past Due Notice, dated XX/XX/XXXX. 

Possible explanations are that ( a ) XXXX is no longer able to process payments by mail, although I was not aware of such a problem before XX/XX/XXXX, and/or ( b ) they are intentionally delaying processing of my payments in order to force me to pay electronically. 

I can adapt to their new requirement, but I am alarmed that my excellent credit rating will suffer because of a reported delinquency. Also, their late fee of {$17.00} is unfair and unjustified.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Ok it was early morning XX/XX/2019 I had my American Express bluebird card ending in XXXX I stopped at XXXX at XXXX XXXX XXXX to reload my prepaid bluebird card by Amex I get to the cashier tell her I wanted to load {$200.00} and she tells me to swipe my card and it didnt go through she tried two more times and it failed again and she gave me my money and receipt back for other items I purchased and I got home and somehow it was a reversal from XXXX for {$250.00} I call American Express and XXXX Amex tells me that theyre system was down and to call back in 30 minutes and I called back and they said I had to start a Dispute and I did but they denied it and now my prepaid card was at a negative {$250.00} like how does that happen its prepaid it was obviously a mistake made and they didnt see it that way
Product: Mortgage

XXXX XXXX XXXX is holding onto package, not responding back in a timely manner and is causing delays to the closing process. Here is the current timeline of events. 

XX/XX/2024 - Completed and signed all XXXX XXXX documentation. 


XX/XX/2024 - Paid Processing Fee. XXXX stated package is forwarded to a XXXX XXXX. 


XX/XX/2024 - Called Customer Service to speak to XXXX XXXX. Told they would call me back within XXXX hrs. 


XX/XX/2024 - Never received called back. 


XX/XX/2024 - Called Customer Service again to speak to XXXX XXXX. 
Received callback from XXXX XXXX. Loan Processor requested for more documentation ( Home Insurance, Rental History, SSI Card, etc. ) and had to repull credit. 
XXXX XXXX told me package will be sent to underwriter once receives the requested documentation. 
All documentation were submitted to XXXX XXXX same day on XX/XX/2024. 


XX/XX/2024 - Followed up with email asking if XXXX needed anything else. No response. 


XX/XX/2024 - Follow up with email asking if XXXX needed anything else. No XXXX. 


XX/XX/2024 - Called Customer Service to speak to XXXX XXXX. XXXX messaged to loan processor. No response. XXXX created call back ticket for a call back from XXXX XXXX within XXXX hrs. 


XX/XX/2024 - No call back received XX/XX/2024 - Called Customer Service to speak to XXXX XXXX. 
XXXX told me I would receive a call back within XXXX mins. Did not receive a call back within that timeframe. After XXXX hrs, received a call back. Told me package can not move forward to underwriter until " Request for Verification of Rent or Mortgage '' form is obtained back from previous landlords.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a pre-approved auto loan from XXXX XXXX XXXX XXXX in mid-XX/XX/XXXX to be used only with XXXX XXXX. I contacted XXXX XXXX and selected a vehicle I was interested in. They proceeded to solicit financing without my consent from 9 financial institutions. All 9 made hard inquiries on my credit reports on XX/XX/XXXX.
Product: Checking or savings account

I opened a checking and savings account with Truist. I have a XXXX XXXX XXXX XXXX XXXX but I did make it to the branch to open this account. I now have been blocked access to use Digital servicing options and Truist is mandating that I visit a branch to access my account. I have answered all of their questions except for the account number but they still refuse to provide access unless i visit a branch. I told them that they should offer accommodations as required by the American disability act but that didnt seem to make any difference. I spoke with XXXX XXXX XXXX XXXX supervisor at the contact center. She was nice but did not help me get my issues resolved. Truist now has {$500.00} of my money that i can no longer access. They did not provide any options to return my money and want me to physically visit a branch. It was a struggle for me to visit the branch the first time to open the account and I shouldnt be required to do it again. ADA is a law for a reason and Truist needs to respect the fact that we all dont have the same physical and mental health and that shouldnt impact my ability to bank like the rest of the population
Product: Debt collection

Original Creditor : Citibank NA Current Creditor : XXXX XXXXXXXX XXXX  XXXX In 2017 I was married and my then-spouse used my non-public personal information to open multiple credit cards, bank accounts, and other loans. One of these accounts was with Citibank Citi XXXX  card. I was not aware of the debt until he defaulted on the card. When it was discovered, I immediately notified Citi of the spousal identity theft. They sold the debt to XXXX XXXX which is who I am filing this complaint on. I have completed their fraud packet no less than 4 times which is identical each time. When they receive it from me along with all of my documentation, they send the debt to a new sub-contracted collection agency to attempt to collect the debt again. You can never speak to anyone directly at XXXX. They are ignoring my fraud/identity theft packet and continuing to attempt to collect a debt that is not mine. This has been going on 5 years now.
Product: Credit reporting, credit repair services, 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 confidentially under 15 USC 1681.

Act. Name XXXX XXXX XXXX, XXXX XXXX. Name XXXX XXXX XXXX  XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 antedates the report by more than seven ( 7 ) 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 reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern : On or about XXXX I started a dispute on some items on my credit report because I noticed account 's that didn't belong to me that I have yet to get a verification of debt onfrom Equifax nor have I been able to obtain my free credit report. On XX/XX/2022 I received a letter and not a consumer credit report. The letter is asking me to submit proof of my id and subsequent information that as a credit reporting agency they should know if they were truly investigating the information that is being disputed. They are asking me for my present phone number that I actually gave to them when I called on XX/XX/2022 and they updated the information or so I thought. This company is clearly trying their best to stop my dream of fixing the unknown, erroneous information that should and must be removed without proper verification. I on the other hand can't actually dispute what they are truly reporting without my consent because they are refusing to give me my annual free report. XXXX XXXX isn't being updated nor is my credit score. There is no way for me to know the true information they have in this consumer report. They can send me information to delete items off my consumer credit report, but they cant send me the actual report to know what exactly they are reporting. I need the report that they are sending that has the incorrect information but they are refusing to give this to me even after the agent on the phone acknowledge they have received the id from the complaint to the CFPB. I just want the ability to fix my credit of all the unknown information and a credit score that reflects the good person I am and the on time bill payer I have always been. i will never get to be a home owner if companies like this dictate the rules when the government clearly states they have rules to follow and obey protecting me the consumer. I am attaching another copy of my id and a FTC report as proof of my address.
Product: Debt collection

There is so much information to all of this that I'd be happy to share. I didn't get notification of this until approximately XXXX up until ongoing XXXX. Amount they are expecting me to pay is {$6100.00}. I wrote to credit report agencies XXXX, XXXX and XXXX to correct the problem. XXXX had mee all cleared of charges. XXXX, XXXX and XXXX is when I sent letters to Midland. Midland said that they served me papers on around XXXX as per lawsuit. I didn't receive the papers. Midland served me papers on XXXX, noticed on one of Midland 's Exhibit B that they have a purchase on there of {$530.00} on XXXX that there is no documentation of this. Process is now in court for judgement court date XXXX. I will upload all documents concerning the statements above.
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. 

XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX XXXX XXXX XXXX  # XXXX has violated my rights. 

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: Checking or savings account

There was an unauthorized transaction of {$2300.00} from my bank account, on XX/XX/XXXX. It was fraud, even in the case that word scam, is used, it was fraud. I was coerced and told to urgently pay to secure a deposit for an apartment that I have come to find out is not for rent and to a person and a place that were not real, and as a result I never received anything. The funds were sent to a XXXX  XXXX XXXX Bank Account, to XXXX XXXX XXXX. The account number give to me is XXXX and the routing number given is XXXX. I am not sure if those are real accounts, but that is where I was told the funds would be going to. The funds were coerced by XXXX XXXX, as a form of deposit. This is not a recurring payment, and this was a fraudulent. As of XX/XX/XXXX and XXXX, Wells Fargo has said that it looks like there is nothing they can do, and that all was done correctly. They have reached out to XXXX  XXXX XXXX and have yet to hear anything yet. This is my money, just taken and given as a fraudulent transaction, and it is absolutely necessary to be refunded. I am backed by Regulation E and the law fully in this. No part of this was authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, AMERICAN EXPRESS add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

Dear CFPB, Re : Consumer reporting agency refusing to remove address and phone numbers.

Isn't true that under the fair credit reporting act, a credit reporting agency has thirty days to investigate my disputes? 

I have sent several letters informing XXXX, Equifax and XXXX regarding inaccurate addresses, the addresses are inaccurate because I've never lived at these locations. I have included multiple forms of identification confirming the correct address. There are also phone numbers that do not belong to me on my credit profile as well. I have not received any response from them, The inaccurate information remains on my credit profile. 15 USC 1681 ( b ) states it is the purpose of this subchapter to require that the consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the CONFIDENTIALITY, ACCURACY, RELEVANCY, and proper utilization of such information in accordance with the requirements of this subchapter. This is the consumer agencies duty to provide correct information. They are violating the law and willfully non-compliant.
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

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

I tried to call these three credit reporting agencies for annual credit report and they said they can't recognize me over the phone even after I told them my personal information. They refuse to send me 3 free credit reports to me. Also I tried to get approved for XXXX It secured credit card but they declined my application. I suspect that my parents ; XXXX XXXX XXXX and XXXX XXXX XXXX are using my SSN to open more accounts and they financially abused my settlement money after I turned XXXX. I'm XXXX years old and I try to rebuild my credit using secured credit card but I can't because of fraudulent activities by my own parents. They need to be held accountable for doing that to me. I tried to call these three companies but they won't send me free credit report information because they can't recognize me at all. 
XXXX XXXX XXXX. XXXX  XXXX XXXX. XXXX, GA XXXX. XXXX. 
XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX, TX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX, PA XXXX. XXXX.
Product: Checking or savings account

Opened checking account on XX/XX/XXXX under Bonus Code # XXXX. Deposited required {$200000.00} to receive {$1500.00} bonus. Maintained balance for required terms which were 60 days after the XXXX day after deposit of funds. Citibank had 90 days after that to deposit bonus. This should have been by XX/XX/XXXX. This date, AND the fact that I fulfilled all requirements was confirmed by MULTIPLE customer service employees in calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. 
On XX/XX/XXXX complaint reference code # XXXX was opened with no resolution. 
On XX/XX/XXXX complaint reference code # XXXX was opened and I do not, from previous experience, expect any resolution to that one either. 
Excuse after excuse has been given and, unfortunately, each leaves me with the knowledge that this company is the most ineptly run & managed Ive ever dealt with and they are bordering on, if not fully guilty of, deceptive practices at best!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I had two accounts with TD Auto Finance that were all paid on time with no late pays. The third account was opened on XX/XX/XXXX and I made XXXX on time payments. TD ended up cancelling my auto pay on the XXXX payment ( XX/XX/XXXX ) without notice. As soon as I discovered that I could not obtain the title for the car, I found out that TD had reported that I was late to all three credit reporting agencies. I called TD and asked why they never notified me about cancelling auto pay or about the late pay and they claimed to have sent a letter. I never received a letter from them and I have seen many other consumers that have the exact same complaint from TD customers. I am a Veteran that has worked hard to maintain my credit and pay my bills on time. Please help!
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc he Fair Debt Collection Practices Act ( FDCPA ) protects consumers from unfair and abusive collection practices. The law regulates professional, third-party collection businesses, agents and attorneys, but not " in-house '' collectors, or employees of creditors who collect their own debts. 

XXXX XXXX XXXX XXXX XXXX has agreed to settle Federal Trade Commission charges that its MINI Division violated the Magnuson-Moss Warranty Act by telling consumers that XXXX would void their warranty unless they used MINI parts and MINI dealers to perform maintenance and repair work.XX/XX/2015