23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I filed a complaint two weeks ago, and noting happened. I am filing a compliant once again with hopes that this situation gets resolved. I have contacted Transunion to remove incorrect items from my credit report and they refused to remove items that they relisted. The items are : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX. Can someone please help me? I know what Transunion is doing is wrong, but I ca n't do anything so I am reaching out to you. I just want those items taken off that they relisted. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : The XXXX XXXX / XXXX Account number : XXXX *** XXXX XXXX Account number : XXXX Experian : XXXX XXXXXXXX XXXX XXXX Account number XXXX *** Experian XXXX Account number:XXXX 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 my 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 antedate 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 reporting 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

I have sent in a dispute regarding my XXXX XXXX XXXX XXXX report to experian a total of 3 times in the last 90 days. Each month I send a letter ( Certified / signature required ) requesting them to correct wrong information and verify / update with correct information. Each month they send me a response that doesnt match my request in the letter provided. XXXX XXXX has confirmed to me that my account is not late and should be reported as never late. They have confirmed this several times. Experian refuses to report accurate information. Today I contacted Experian by phone and they were very rude to me. The agent XXXX was rude and very short. She explains that they do no verify that information is correct. Nor do they read my letters and complete the investigation as requested. She confirmed that the dispute department simply relies on what their computer systems tell them. These errors on my report are hurting my credit score. I believe experian profits on minimizing consumer scores for monetary gain from creditors that prey on challenges credit scores.
Product: Payday loan, title loan, or personal loan

I have been a Wells Fargo member since XX/XX/XXXX and decided to take out a personal loan in XX/XX/XXXX. In XX/XX/XXXX I had some family issues, lost a job and another major hardship that affected my liquidity, as a result I reached out to Wells Fargo to work something out with my payments. The first representative stated there was no such service and I attempted to call at least two other times to ask for some lenience given my time with Wells Fargo and previous record of being a good customer. My attempts were to no avail, I had three extremely hard months and as a result I have late marks XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Recently I reached out again requesting consideration for removal given I went through extreme hardships and am now looking to apply for a mortgage. I would like to share my journey with other consumers who are considering a relationship with Wells Fargo. I found it to be a great bank in terms of offerings when things are good, but completely lacking in support when it was most needed. I also bank with XXXX XXXX and XXXX XXXX - both of which were more than happy to work with my situation at that time. After my hardship I successfully paid each month for the remaining year on my Wells Fargo account without issue, I was genuinely in need of assistance for a small period due to occurrences beyond my personal control.
Product: Debt collection

This company and a third party have only in the last year and half attempted to collect a debt that I paid off 5 years ago. What is also disturbing is that they are not contacting me at home address or phone number associated with the original debt. They are sending all information to my parent 's home ( we live in separate states ) and calling my parent 's home. I have called them company personally and sent numerous letters to have them stop this practice, but they have not abetted. Furthermore, I have asked them for more information regarding the debt ( any paperwork they have ) so I can properly dispute this because I have already paid the debt. I have heard nothing from them on this front, but they keep sending correspondence to my parents and calling their home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a refinance with a XXXX XXXX XXXX XXXX XXXX  through a loan officer,  XXXX XXXX. After waiting for a decision on an approval, a few months afterwards, I noticed that my current home lender ( XXXX XXXX  ) had done a hard pull on my credit through XXXX XXXX on XX/XX/2019, that I did not authorize. I mentioned this to XXXX since he was working on the refinance with a different bank. XXXX informed me that he had switched companies and pulled my credit with the new company. 

I did not authorize XXXX or XXXX XXXX to pull another credit report and process a refinance with that company. If I had known of the switch to a new company, I would not had authorized such a pull. To date, I have not signed any document authorizing XXXX to pull my credit or process any application for credit. 

I contacted XXXX and XXXX regarding the unauthorized pull and both directed me to contest it with the credit bureaus and it would be corrected. I contested the hard pulls with XXXX   and transunion. I received a copy of an unsigned loan application from XXXX XXXX XXXX  along with a notice regarding Identity theft. The unsigned loan application was apparently generated after my credit was pulled without my permission and has no bearing on whether I authorized a credit inquiry. To date, the inquiries have not been removed from the credit reports. 

This hard credit pull has impacted my credit score negatively and has limited my refinance option with other lenders.
Product: Checking or savings account

This is a complaint regarding Citizens Access, whereas appears to be a bait-and-switch. As I will explain, opening online requires three steps, 1-Product Selection, 2-Account Terms and 3-Funding. However, the most important part here is initial bank-to-bank verification of test deposits to etablish funds transfers. Notably, linking funding accounts doe snot warrant an autmatic withdraw from another financial institution prior to this because of XXXX XXXX XXXX identifiers to secure from fraud. However, in opening accounts, the methodology was used to look-up and ensure FDIC coverage amounts for each account level. At setp 3 there is no confirmation that you are actually doing an immediate funds transfer or giving authorization for Citizens Access to do so. Thus, they pulled {>= $1,000,000} in total into the accounts and their system only aggregates data and does not display the transactions, pending, or schedule transfers. This was premeditated. It appeared as if funds were simply wiped out of another insitution without my knowledge or consent. Becuase they were and was initially a hypothetical for future near term banking in establishing or opening each account. Shortly after XX/XX/XXXX, I voiced my concerns to the night floor manager who only would identify himself as XXXX. Who understand the system limitations, how they caused confusion and were improper or misleading and were being worked on to be updated to correct such limitations and obvious misconceptions. It also appears none of this has been updated as of yet today-leading my speculations further. I was also charged three returned item fees by the other financial institution at {$5.00} each or a total of {$15.00} which XXXX agreed to aply back as a courtsy on my account. Since then then and until today, nearly a month, no {$15.00} credit has been provided and I have called twice, including online chat, whereas I have been told the credit honor was eing applied within two days and its on the ledger to be applied. Each time, I am simply misled. XX/XX/2022 XXXX XXXX  would not warrant the transfer yet because the scurity processes had not even been confirmed. Somehow, Citizens Access still widely incurred and took those funds without full authorization between myself and XXXX XXXX. You will see a bank statment from Citizens Access, Beginning XX/XX/2022 Through XX/XX/2022 Online Savings XXXX which was closed and all accounts solvent because I was unable to have XXXX XXXX  accept or approve Citizens Bank becaus eof security, yet, it was done over a month. But that account was closed and I opened four new as indicate, as attached. Therefore, there was no standing agreement or authorization for the new bank accounts to be eligible until verified first with XXXX XXXX  for the funds transfer requests ( bank-to-bank ) to be allowed. Hence, only XXXX authorization for $ XXXX was approved on my end once and only one, that XXXX had to approve the relationship, instead as you will see, Citizens Acess pulled three time that amount by err of systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

Now this one actually bothers me more than anything more than big debts more than it all a few years back I got furniture and a company called XXXX and with them I financed XXXX and I'm stupid because I had the money I should have paid it out of pocket but we live and learn so I was paying XXXX a week and it would of been ending up paying XXXX but whatever so I paid it so to pay it off and be done my last payment to them was XXXX dollars and when I paid over the phone the girl says you may get charged one more time of XXXX dollars I told her I better not she said well it's on auto payment and it might cut it close I said well cut it off or if it does charge me refund it back I'm paid up and that is the right thing to do I have already paid you guys plenty back. of course, she was rude about it, and I changed my banking info they kept calling and harassing me over these XXXX dollars and I could have paid it but now it's more of a principal matter to me because I actually paid them XXXX so I paid Evern more than what I was supposed to and you're still trying to scam me. you know what they have on my Experian credit report I owe them like XXXX dollars because of interest and late fees and I have my pay ledgers I'm going to send over to you and the contract with them. Its disgusting way to be and what do you do you call them and try to ask them to remove and tell them everything and they laugh in your face and then the credit reporting agency Experian says all things reported are accurately like what the date it opened the date I stopped paying well that's no mystery I'm reporting that this account is paid and I have sent them everything several times so it really bothers me what is it your investigating and with who I literally sent you the contract and my pay ledger and bank statements. I'm not going to stop until all these unjust issues are fixed, I have like XXXX followers and if I have to post everyday about these companies and their unjust ways I defiantly will.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving text messages from those who claim to be from Citizens bank. All three messages Ive received thus far have been from 3 different phone numbers. Each message reads : [ Citizens Bank Alert ] : Unknown activity detected on your account. 
Secure your account here immediately XXXX XXXX XXXX XXXXXXXX I did not enter into this link because I believe it to be a scam made to hack my phone and to find my actual banking information.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have already took action for this and requested the creditor to remove the late payment for the month of XXXX 2017, i have send my payments online and onetime, it has to be a banking error for which has reflected my credit bureaus. therefore i need your help in order to have this inaccurate delinquency to be removed from my creditor and the all three major bureaus thank you for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXXXXXX 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 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 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 XXXXXX/XX/XXXX ;
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and identity theft. 
Fraudulent accounts have been added to my credit report without my knowledge or authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts be immediately blocked and deleted from my credit file : Fraudulent Accounts : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$16000.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$8200.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX was never late! I have had exceptional payment history witH XXXXXXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports XXXX
Product: Mortgage

On XXXX/XXXX/XXXX, we heard about a TV commercial to offer the low rate for refinancing. The commercial stated that how easy to apply for home loan online and get a guaranteed interest rate instantly. The commercial does not say anything about the company 's eligibility requirements such as XXXX credit score, XXXX % debt-to-income ratio and XXXX % loan-to-value ratio. If I had known these requirements, I would never have called them or applied for loan. 
My representative spoke with a Mortgage Specialist of the lender. I was asked to complete an application online. I encountered a system error message and my submission aborted abnormally. I did n't have an opportunity to verify data entered online. We also did not receive a Loan Summary for reviewing the payment and costs associated with the loan. 
On the same day ( XXXX/XXXX/XXXX ), the Mortgage Specialist received my credit reports from the XXXX major Credit Reporting Agencies. 
On XXXX/XXXX/XXXX, the Mortgage Specialist sent an email asking for my XXXX & XXXX Personal and Business Tax Returns ( All Pages ) to determine the exact income. However, due to the system error and the company 's failure to send the Loan Summary containing the payment and costs associated with the loan, we did not feel comfortable in sending the tax returns and going forward with the application. We withdrew my application for refinancing. 
On XXXX/XXXX/XXXX, we sent an email to the Mortgage Specialist notifying our withdrawal of the application. 
On XXXX/XXXX/XXXX, the Mortgage Specialist notified us that the loan was denied due to high debt-to-income ratio. He made this decision without my Tax Returns and using an incomplete application. 
On XXXX/XXXX/XXXX, we notified the Mortgage Specialist that I did not send my Tax returns as he requested ; the online application was incomplete ; he did not have my exact income ; and the application was withdrawn. We asked him why he sent the denial letter after the application was withdrawn. Was his intention to destroy the creditability of an applicant when the application was withdrawn? We requested him to cancel his denial letter. He has refused to cancel the denial letter. We wished to bring this to his management 's attention for early resolution. But, he refused to provide the name of his supervisor also. He informed us that we will receive no further communication from him or his company.
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 confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX have 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 reasonablecause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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: Checking or savings account

At the end of last year, I transferred money out of my savings account at Suntrust ( now Truist ). I was not sure if this would place me under " minimum amount needed '' to stave off fees, so I kept looking at the online account dashboard as well as statements to see if any monthly fees were being taken out due to balance reduction. None were being taken out per what was shown online and per what was on the statements. 

Cut to XX/XX/XXXX, and all of a sudden, the dashboard online is showing that {$7.00} had been removed from my account since XX/XX/XXXX, then again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( 4 fees taken out altogether, {$28.00} in total ) If you review the statements for XXXX or XXXX or XXXX or XXXX, you do not see any notation of monthly fees being taken out. And it was not transparent that these were even being removed until XXXX of this year on the online banking dashboard. 

It's a very clear cut case of lack of transparency and potential deception. These fees were being removed for months before I had any idea that it was happening. Neither the online banking dashboard nor the monthly statements showed this was happening. 

When I raised the issue to the bank, they refunded 2 of them, but 2 still remain ( a total of {$14.00} ). I can't imagine how many other people this may have happened to - and how many people would not have noticed or been aware that this could've been happening on their savings account for months and months.