23daVinci/CFPB_Complaints huggingface dataset:
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. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico 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 XXXX 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 XXXX 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 severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Debt collection

I have received many collection calls from a company called Ginnys from # ( XXXX ) XXXX. I have never ordered anything from Ginnys nor did I open a ginnys account. They tried to get additional personal information on the phone call today. Agent said I ordered product and had it shipped to an address in Pennsylvania. 

I checked by credit report today and there is no ginnys account but I am concerned they will somehow access my credit. 

I do not have any documents. I have only received phone calls
Product: Credit reporting or other personal consumer reports

In accordance to the fair credit reporting act this creditor violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states the consumer can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit card as late for any purpose.
Product: Checking or savings account

According to the statement from Citibank to me On XXXX XX/XX/XXXX, I made a payment of {$120.00} to XXXX  card that was processed leaving my account with a available balance of XXXX. Over the next days I made several other transactions and at no point was account ever shown to me to be negative by Citibank. On today XX/XX/XXXX after reviewing my account it was shown that Citibank returned my XXXX  payment of XXXX back to me on XX/XX/XXXX as insufficient funds. My compliant is that Citibank is providing a poor reflection of actual information in the account and is committing fraud by giving me false information and returning funds that were already shown to be processed. Also when speaking with customer service they informed me of transactions of the XX/XX/XXXX but when reviewing the information provided to me by Citibank banking applications there are no transactions listed on the XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This is my another 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the inaccurate reporting of late payments on my student loan account managed by XXXX. I believe that the reporting of these late payments is incorrect and does not reflect my actual payment history. Furthermore, I have concerns that the reporting practices may not be in compliance with relevant laws, including the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA ). 

XXXX. Account Details : Name : XXXX XXXX  XXXX Account Number : XXXX Servicer : XXXX XXXX. Background and Concerns : I have noticed that my credit report contains several entries indicating late payments for my student loan with XXXX. However, I have consistently made payments on time according to the agreed-upon schedule. The inaccurate late payment entries have had a significant negative impact on my credit score. 

XXXX. Relevant Legal Provisions : XXXX FERPA ( 20 U.S. Code 1232g ) : Under FERPA, the disclosure of students ' educational records without consent is permissible to certain entities, including " appropriate parties in connection with financial aid to a student. '' In my case, XXXX, as the servicer of my student loan, is an entity involved in the management of my financial aid. My concern is that any disclosure or reporting by XXXX that inaccurately reflects late payments could be in violation of FERPA provisions if such information is improperly shared or reported.

B. FCRA ( 15 U.S. Code 1681a ( 2 ) Exclusions ( A ) ( i ) ) : The Fair Credit Reporting Act excludes from the scope of credit reports information solely regarding transactions or experiences between the consumer and the party making the report, if such information is not accurately reflected. I believe that XXXX 's reports of late payments do not accurately reflect my payment history and may therefore fall within the exclusions specified under FCRA. 

XXXX. Requested Resolution : I kindly request that the CFPB investigate this matter and take the necessary steps to rectify the incorrect late payment entries on my credit report. Specifically, I request : Correction of Credit Report : Immediate correction of any erroneous late payment entries reported by XXXX to credit bureaus. 
Verification of Compliance : Verification that XXXX 's reporting practices are in compliance with both XXXX and FCRA regulations. 
Confirmation : Confirmation that XXXX has updated their records to reflect accurate payment history and has notified credit bureaus of these corrections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Flagship Credit Acceptance and advised them that they are violating my federally protected consumer rights by not providing me with the correct form to opt out of credit reporting. I have advised them several times that this is a violation of the privacy act. Also, this is a form of identity theft since I did not authorize them to report private information to a third party entity. Flagship Credit Acceptance has not asked for my consent verbally nor written to report such transactions to the credit reporting agencies.
Product: Credit card or prepaid card

Upon checkout at macys online I was prompted to apply for a store card to save a percentage and earn points towards future purchases. I applied at checkout and was approved for the macys store card. I then returned to checkout to find the card had not been added. I called the customer service and the outsourced agent did not speak or understand XXXX well enough to understand my problem. She then said I could just tell her what I wanted to buy and she'd place the order. I was so confused by this so I went to macys and when they called on my behalf they coul not resolve the issue either or explain why I would be prompted to apply to save on my order then not be given the savings or the card added to my account. Macys customer service could not add the card my my account either. I never received the promotional points or percentage of my order and was unable to charge the items and paid another way. Predatory way to get people to apply.
Product: Debt collection

Med 1 SolutionsSolutions retaliated against me for filing a CFPB BY SENDING Two MORE Bills on my credit report SENDING THEM TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit background check ran when I was trying to rent an apartment. The landlord ran the check through Equifax. The landlord stated that the report came back that there was no such person. I have tried to set up an account online and an error ( code NH ) continues to come up and says to contact Equifax. I have called them and they said I am not in the system and to fax my social security and drivers license to them. It would take 3- 5 days and that I could call them to check on it. I sent the information and I have now called multiple times for the last week. Each time they either hang up on me or say there is nothing they can do. One person said it was an issue with social security department to call them. I did that and the social security office said all is good on their end and that the problem lies with Equifax. Equifax said to call my bank and credit cards, I did that as well. All of my accounts show up on XXXX and XXXX but I an not a person on Equifax. I have asked numerous times for a supervisor and they won't let me speak to anyone else. I have now since lost the apartment ( lost the credit check money of {$50.00} ) and need this taken care of so it doesn't happen for further credit checks as I am looking for an apartment. I have just moved out of state and am really in a bind.
Product: Debt collection

I am not liable for this debt with XXXX XXXX, plus this account is incomplete, inaccurate, and missing data. I do not have a contract with Portfolio Recovery Associates, LCC, they did not provide me with the original contract as i requested. This directly violates my rights according to 15 U.S.C. 1681e ( b ), 15 U.S.C. 1692e, and UCC 9-210 at the least.
Product: Checking or savings account

In XX/XX/2022, Citizens Bank purchased XXXX bank accounts. On receiving this news, I removed all my balances from XXXX and opened a new account at XXXX XXXX. 

Unknown to me, all my accounts were transferred to Citizens Bank. Also unknown to me, there was overdraft protection and line of credit account opened for me at Citizens bank WITHOUT my consent or knowledge. 

A few months later in XXXX, I get a text from citizens collections department that I owe them money. I call XXXX bank and they tell me that i have an account that is in overdraft ( to my shock, since I don't even have a citizens debit card ). 

I learned that my XXXX account link to my XXXX was automatically changed to Citizens Bank ( again without my knowledge or consent ). Every time I was using XXXX- this was going from a line of credit, without my knowledge. 

Upon learning this, I transferred a total of {$610.00} to Citizens which I thought covered my balances based on their online banking user interface. Then I asked to close the account, but I was told the funds hadn't arrived yet. I have since transferred another {$950.00}, trying to balance this account. 

A few weeks later, I get another call from citizens credit department ; again for me this is a surprise because I thought I cleared my balance. I told the citizens representative that when I log in, the balance says XXXX, but I was told that I have to download the statements, scroll to the back, and that's where I will see the balance. And to pay it off, I have to transfer money then call them! How difficult it is to just pay them! 

Ultimately, this month I went to get a credit report, and this brought my credit report from XXXX to below 600, requiring me to have XXXX insurance, costing thousands of dollars. 

In addition I was charged {$570.00} in fees! {$37.00} each time- when I absolutely did not want this account or was aware that this was happening. 

All along citizens doesn't have a branch in XXXX XXXX where I live and I just felt so helpless being passed around from call center person to call center person. One person even said she can't verify my identity and full stop offered no options short of purchasing a flight to XXXX XXXX and walking into a branch. 

This has been emotionally and financially draining, and most importantly severely impacted my otherwise very good credit score.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX advertises 12 months interest free financing. They Use TDbank to underwrite and make the loans. they demonstrate a payment based on a loan amount. When you apply for the loan they don't ask you how much you need to qualify for and then approve you for a small amount. The creditor then advises they don't offer loan above 5 thousand dollars and increases are not allowed. Its misleading. If they only offer loans up to a certain amount then they should cap it there on the site and advise as such.
Product: Credit reporting or other personal consumer reports

am writing to you regarding the account identified as XXXX, which was charged-off or placed in collections on XX/XX/year>. After reviewing this account, I believe there may be grounds for removal of this derogatory item from my credit report. 

I am fully committed to resolving this matter. I have since improved my financial management and overall situation, ensuring reliability and proactively handling my current obligations. Given my improved status, I am hoping to negotiate a good will request for the removal of this negative listing from my credit profile.
Product: Checking or savings account

I contacted the bank to see if any fees related with cashing a check They said no Then went to the bank And XXXX XXXX who was rude charged me the fee Wells Fargo at XXXX XXXX XXXX  XXXX I am requesting that fee refunded for the reason explained Hope Wells Fargo honors his word.
Product: Credit reporting, credit repair services, or other personal consumer reports

They purchased my mortgage from my old mortgage company. I paid my mortgage on time, and they recorded that I was 30 days past due. I called them to try to resolve, and they opened a case, but called me back today to inform me that they would not change the credit reporting.
Product: Credit card or prepaid card

CitiBank closed my credit card account ending in XXXX which is a direct violation of 12 CFR 1026.11 TREATMENT OF CREDIT BALANCES ; ACCOUNT TERMINATION. 

I transferred my rights and interest in the original instrument to CitiBank for offset and authorized the release funds held in escrow to offset the balance. 

UCC 3-103, TN Code 47-3-203 both give me the power to transfer my rights CitiBank for them to release the funds held in escrow pursuant to 12 CFR 1026.11.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the following dates, I wrote and sent letters to the 3 major bureaus ( TransUnion, XXXX, and XXXX ). I received no correspondence from XXXX or XXXX, but TransUnion did send me a stall letter, after the 30 days they are allowed by law, claiming they felt I did not right the previous letters but instead used a company to do so on my behalf. They have sent me this letter multiple times in which I have responded to them that I am the person sending the letters and have included my driver 's license with each letter. The other two bureaus, XXXX and XXXX, just have not responded to my claims, they have not corrected any inaccurate information on my credit reports, or provided me with any proof of accuracy. TransUnion hasn't corrected any errors or provided any proof of accuracies either. Please note the dates below that I have sent all 3 bureaus requesting to investigate negative/inaccurate information on my credit reports. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
I will be sending them letters again today demanding they do what is legally required of them by law.
Product: Credit reporting or other personal consumer reports

This marks my second attempt to address a concern and serve as a follow-up to my initial complaint dated XX/XX/XXXX. It is imperative to reiterate that, in accordance with FCRA section 605b, Credit Reporting Agencies are obligated to expunge any entries indicated on an identity theft report, specifically identified as # XXXX. As stipulated in Section 605B ( a ), the CREDIT REPORTING AGENCIES are mandated to eliminate any entries in the consumer 's file identified as information resulting from an alleged identity theft within four business days from the date of receipt. Enclosed herewith are the pertinent documents substantiating the need for the removal of inaccurate information currently reflected in my credit reports. The following inquiries have been expressly identified for removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- -- -- -- -- -- -EQUIFAX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 or other personal consumer reports

I am writing to bring to your attention a concerning issue regarding the privacy notices and opt-out statements provided by XXXX XXXX XXXX as a data furnisher to TRANSUNION. It has come to my attention that XXXX XXXX XXXX be in violation of regulations requiring financial institutions to provide privacy of consumer financial information policy notices in writing to customers both initially and annually in writing, as mandated by federal laws and regulations. As per regulatory requirements, financial institutions such as XXXX XXXX are obligated to provide privacy policy notices to customers initially and annually in writing. These notices must detail the institution 's policies regarding the collection, sharing, and protection of customers ' non-public personal information ( NPI ). Additionally, customers must be provided with clear instructions on how to opt out of certain information-sharing practices. It appears that XXXX XXXX XXXX not be fully complying with these rules, which are designed to protect consumers ' privacy rights. Specifically, I have not received privacy policy notices in writing from XXXX XXXX as required, nor have I been provided with an opportunity to opt out of certain information-sharing practices. According to federal regulations, XXXX includes any information collected from customers in the course of applying for financial products or services, as well as information obtained from transactions involving financial products or services. Therefore, if XXXX XXXX collects sensitive information such as name, address, Social Security number, or other personal details from customers, they are required to provide annual privacy notices in writing for the duration of the customer relationship. I demand that TRANSUNION investigate this matter thoroughly and take appropriate action to ensure compliance with federal regulations regarding the privacy of consumer financial information. Specifically, I request that TRANSUNION hold XXXX XXXX accountable for any violations and require them to provide me with the necessary privacy policy notices and opt-out statements as mandated by law. Furthermore, I urge XXXX to implement measures to prevent similar violations from occurring in the future and to ensure that all data furnishers adhere to their obligations under federal laws and regulations. Please provide me with a written response detailing the steps TRANSUNION will take to address this dispute and ensure compliance with privacy regulations.
Product: Credit reporting or other personal consumer reports

I believe my information may have been part of a data breach Ive never been late for my payments and Ive tried walking into the institution to talk with someone I was told this was a mistake from their end and would be handled immediately but still nothing has happened and Im asking for this lates be removed for my account Ive worked to hard for a mistake to take place on my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I requested a payoff amount from Wells Fargo Auto on XX/XX/XXXX on a personal vehicle loan. 
On XX/XX/XXXX I received a letter with the required amount {$11000.00} effective XX/XX/XXXX, any additional day would incur a charge of {$1.00}. 
I sent a personal check for {$11000.00} to account for a few extra days for mailing. 
On XX/XX/XXXX my bank paid check # XXXX for {$11000.00} to a Wells Fargo account number XXXX of XXXX, Colorado. 
On XX/XX/XXXX WF Auto credited my account twice, once for {$460.00} and the other one for {$9700.00} and created a due balance of {$990.00}. 
A {$1000.00} is missing from the amount paid by me and as of XX/XX/XXXX the bank does not want to answer any questions about the whereabouts of that amount or the title of the vehicle. 
I spent over a week trying to get someone on the phone. When I was able to talk to someone I encountered a rude, obnoxious woman who told me that the bank only received a {$10000.00} check, that there was a balance due and if did not want to pay it the bank would repossess the vehicle and that was it. 
I called several times and finally I was able to talk to a woman that told me that she would sent my file for an EXECUTIVE REVIEW and I would be able to get a quick solution to my problem. 
Two weeks went by and never heard anything from the bank. I called again on XX/XX/XXXX and after a 45 minute wait a man came on the line, told me he was from the executive office, they had reviewed my account and the finding was that I had ONLY paid {$10000.00} and had a balance due of {$990.00} that needed to be paid if I wanted to get the title of the vehicle. 
When I asked him what happened to the extra {$1000.00} that WF Auto had collected from me he said he did not know anything about that. 
I told him that I had a copy of the cancelled check, the number of the account the money went to and my bank statement showing the paid check he told me to send it to the bank, they would look at the items and it would take up to 60 days to get a decision. If I were right the title of the vehicle would be released in about 15 days after the verification of payment. 
Coincidentally in 60 days is when the next payment is due, which I am NOT going to make, and if I do not pay that amount the bank would proceed to repossess the vehicle, since it is the legal owner and have the title, and would have scored a great deal : {$11000.00} in cash, a fabricated balance due of {$990.00} plus about extra 90 days of interest and a XXXX XXXX XXXX XXXX worth about {$10000.00}. 
NOT A BAD DEAL FOR A SIMPLE THEFT. 
Besides that I was injured by the bank, their actions caused me to lose the sale of the vehicle since I could not get the title and the buyer withdrew the offer thinking that I was trying to steal his money.