23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2023 I applied for a BestBuy Credit Card at the physical store and was approved and I made a purchase on the same day.

I was told that I would receive my card in 7-10 days. I never received my card as of today XX/XX/2023. I have called the company " CITI bank '' who is the issuing credit card company and notifying them that I did not receive my card. They said they would cancel the card on file and then would have to verify my account through sending me a letter in order to send me another card. I have made about XXXX calls to the company in the past couple of weeks regarding not receiving this letter and only to meet with resistance that they would need to send a verification letter to verify my account and they couldn't help me any other way. Last week I get a phone call that my account is past due, I told them that I have never received a statement either. I tried to make a payment over the phone and was told that I was still pending verification. I am frustrated with CITIBANK and am getting nowhere with the multiple different people that I am speaking to who sounds like they come from XXXX. I have tried to go online to access my account and make a payment but unable to log in as they system can not recognize me without my credit card. I called again to ask for assistance and was met with the same verification excuse. If this shows up on my credit report as a late payment I will be even more furious as of 2 months, I have gotten no statement, no credit card, no verification letter, no help or assistance, and I can't even get tech assistance from their customer service to go online.

Please help me with this issue because I am at my wits end with this company and can not believe what is happening. All of my personal information was on the original application when I got approved and now I feel that their incompetence will have a negative impact on my credit score and my personal well being.
Product: Debt collection

I am deeply concerned about the derogatory rating associated with the account being reported. It has had a significant impact on my credit standing, leading to the denial of a recent loan application and increased interest rates on my existing credit accounts. I want to emphasize the severe financial distress this negative rating has caused me, and it will continue to affect me both financially and emotionally until it is resolved.
Product: Money transfer, virtual currency, or money service

My account was hacked and I they told me it was nothing they couldnt do about it.
Product: Debt collection

Subject : Illegal Credit Report Inquiry by [ Collection Agency Name ] FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX  for unlawfully accessing my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C.

1681b ( f ). On [ date of inquiry ], [ Collection Agency Name ] performed a credit inquiry without my authorization or any permissible purpose as defined by the FCRA.

Under 15 U.S.C. 1681b, companies are required to have a permissible purposesuch as a credit transaction initiated by the consumer, a court order, or a business transaction that requires access to my credit informationto lawfully pull my credit report. I have no such relationship or outstanding debt with XXXX XXXX XXXX  that would justify this inquiry. 
This unauthorized credit pull has negatively affected my credit score and caused undue stress.

As such, I am seeking the following : 1. Statutory Damages : Pursuant to 15 U.S.C. 1681n ( a ), I am requesting statutory damages in the amount of {$1000.00} for willful noncompliance with the FCRA.

2. Actual Damages : I have suffered harm, including emotional distress and potential damage to my credit standing, due to this unlawful inquiry. I reserve the right to seek actual damages in addition to statutory damages.

Please investigate this violation of my consumer rights and take action against [ Collection Agency Name ] to prevent future illegal activities. I also request that the unauthorized inquiry be removed from my credit report immediately. 
Thank you for your attention to this matter, and I look forward to your timely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX : XXXX Transunion XXXX XXXX open dates dont match up XXXX XXXX XXXX : XXXX Transunion : XXXX open dates dont match up XXXX XXXX XXXX : XXXX Transunion : XXXX open dates dont match up I have attached screenshots taking with the account numbers posted by them i have also attempted to dispute with creditors and furnishers they never sent proof showing the accurate information they clearly have two different open dates which is a mistake by law it must be removed. XXXX removed the account but transunion and XXXX verified it which doesnt make any sense at all.
Product: Credit card or prepaid card

Several years ago, I purchased a {$200.00} XXXX gift card at a XXXX XXXX XXXX XXXXXXXX store. Today I checked the balance over the phone, and was told by a representative from XXXX that the card had not been activated. He also suggested that I should go back to the store for help. But the store is out of business. For their part, XXXX claims that there is nothing they can do. Since XXXX is the vendor of the card, I think, they bear responsibility for getting this issue resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2019 I sent out notarized dispute letters via certified mail to Experian, XXXX and XXXX credit bureaus disputing the information with several creditors on my reports. I also sent out letters to the actual creditors, asking both the credit bureaus as well as the creditors for original signed consumer contract as stated in Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Report Act. 

After no response or verification from either the creditors nor the bureaus, I sent more notarized certified letters out dated XX/XX/2019. Again, I did not get any verification of ANY signed consumer contract as stated in Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Report Act. 

On XX/XX/2019, after still NO VERIFICATION and NO RESPONSE from either creditor or the Bureaus, I sent another round of letters asking for verification as stated in Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Report Act. AGAIN  FRUSTRATINGLY WITH NO RESPONSE!!! 

On XX/XX/2019, AGAIN,, I sent a final round of letters as a final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve continued violation of the Fair Credit Reporting Act regarding refusal to delete UNVERIFIED information from my consumer file. AGAIN NO RESPONSE!!! 

The unverified accounts on my record have damaged my good name by not allowing me to obtain credit. I know for a fact that all of these letters were delivered and read by all parties they were sent to, and still i had not received any consumer signed contract as verification as stated BY LAW these entities MUST PROVIDE ME. 

I'm past any resolution on this matter and demand that ALL INFORMATION be deleted that was not verified, including all hard inquiries. These supposed creditors and the XXXX main credit bureaus have had XXXX days to respond to my legal demands and have failed to do so. I'm writing this complaint as an initial request to make this right before I pursue legal action. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

I am attempting to pay off my Bank of America credit card. I have perfect payment history on the Bank of America credit card and perfect payment history on all of my other credit cards with other institutions like XXXX XXXX, XXXX, XXXX, and XXXX. 
After I closed my Bank of America checking account, Bank of America refuses to let me connect my checking account at another institution or let me try to make a payment on my credit card. I have never had this problem at any of the other companies I hold a credit card with. The website presents me with the following error : " " There was a problem processing your request. 
~Due to the status of your account, we are unable to service your request. For assistance, call XXXX ( Select option 'Technical Support ' ). Outside the U.S., call toll free XXXX or collect XXXX. For small business cards, call XXXX. Outside the U.S., call collect XXXX. 
" " Bank of America chose how to design its products and workflows. No other company where I've held a credit card account has implemented such anobstaclethat would prevent a customer from paying off a credit cardand increase revenue from late payment fees. I should not have to deal with the hassle of calling into a customer service line. 

Bank of America XXXX is worth hundreds of billions of dollars, and we don't need to pretend that the company has no idea that this is a burdensome, unnecessary setup.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a  total of three letters each to  XXXX , Equifax, and  XXXX  that I wanted verification of the " public records '' showing up on my credit report. I have letters from the court systems that they do not verify, which I have sent a copy of with each of my letters. They keep on coming back and saying they have " verified '' it. One eve n goes so far as to say they verified with  XXXX . According to law, they have to verify with the listed entity. I have tried to explain this to them, but they still refuse to remove it.   XXXX    removed the public records, but put them back on within a couple of days and did not send me a letter that they were " reinserting '' it on my report ( also a violation ). I would like help from the cfpb on this situation since I am obviously getting nowhere with the credit bureaus.
Product: Credit reporting or other personal consumer reports

They are reporting an account for XXXX XXXXXXXX XXXX  as having late payments when it does not. The creditor sent Experian, XXXX, and XXXX all a notice over 60 days ago stating a request to remove the late payments. They also sent the same letter to me as a reference. The reporting agencies have yet to remove the late payments stating they are verified, they cant be verified if the creditor requested removal.
Product: Payday loan, title loan, or personal loan

I have a personal & individual credit line that was originally transacted with XXXX XXXX. It migrated to SunTrust Bank over the years. On XX/XX/2019 an " Internet Advance '' was made against my LOC in the amount of {$5000.00}, to an unrelated party, who has essentially hijacked the account. I have made several attempts to advance my complaint through the fraud department with SunTrust but as the minimum payment are being made, they are not in jeopardy and are not addressing my complaint. I have provided SunTrust with copies of the original agreement with XXXX so as to prove that I am the only person or entity authorized and responsible for utilizing this credit line. As best that I can discern, SunTrust 's position is that as long as the payments are being made, they will not do anything about it.
Product: Checking or savings account

I have not received my 1099 tax document for calendar year 2021 from Navy Federal Credit Union and they are refusing to send me a copy of my 1099 tax document via a method with a tracking number such as by XXXX, XXXX, or USPS certified mail. This same issue happened last year and this year Navy Federal Credit Union advised that they may close my accounts as a result of this dispute. Please advise what assistance you can provide.
Product: Debt collection

American Express has provided my work address to two different debt collectors. 

XXXX XXXX XXXX, is the second debt collector that has sent mail to my place of business concerning a debt from American Express. The mailing is attached. 

On both occasions, the person that receives the mail sent to that address opened the mail, not knowing that it was personal mail. 

I have never given American Express this address as a method of contact for me. 

I contacted American Express on XX/XX/2023, around XXXX a.m. central time, to inquire about the address and to inquire about the status of my accounts. I wanted to know if my accounts had been sold to a debt collector or placed with a debt collector for collection purposes. I was not given a direct answer to those questions. The American Express representative told me that another " Team '' was handling my accounts. 

I learned from a previous complaint filed against, XXXX XXXX XXXX, that the address was obtained from American Express. The response letter from XXXX XXXX XXXX, stating that the address was obtained from American Express is attached.
Product: Credit reporting or other personal consumer reports

i see some fraudulent inquiries in my report. please remove them as soon as possible. they been hurting my report. 

XXXX XXXX XXXX inquiry XXXX XXXX XXXX XXXX inquiry XXXX XXXX XXXX inquiry XXXX XXXX XXXX inquiry XXXX XXXX XXXX inquiry XXXX XXXX XXXX XXXX inquiry XXXX
Product: Credit reporting or other personal consumer reports

I am being taken advantage of. Firstly, Experian is reporting these closed accounts with past due balances which is inaccurate reporting that is damaging my score. Secondly, 4 furnishers are reporting disputed accounts and not notating them as disputed accounts which is also a consumer credit reporting violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three credit reporting agencies have had old and outdate information as well as debts that do not belong to me, and old alias names that I have never used and public record information that is over 7 years old and outdated. I have tried for many years to resolve the outdated information on my credit reports to no avail or resolution. I have also been breached by XXXX credit reporting of leaking my credit file and they have never resolve this as well. I tried to have them resolve it and they ignored my request. I was part of the XXXX breach. And they have taken no responsibility to clear my credit report. I have disputed items on the credit report and they have ignored the request. The credit reporting agencies have received no solid evidence as to my signatures on credit inquires as well because of the breach my credit file has been through. I have been severely damaged because of old and outdated information on the three credit agencies. Also I wanted to mention XXXX XXXX, they have inflicted dame on me as well. They have put a fraud alert on my credit report and I am not able to get passed that. They also have ruined my credit report. The credit reporting agencies are Experian, XXXX and XXXX. Also I have only been able to receive on report over the past five years, from my free reports and that is from Experian. They will not provide any other credit reports. I have been breached and they have ruined my credit. They do nothing to address what they have done to my credit. And they have received no legal signatures of credit inquires from the business that have been reporting it to the credit agencies. Also there is out dated information of my previous address names phone numbers, location and names that have never been used. Also there are alleged debts that are not mine at all. And they have not verified with written documentation of my legal signature of the debts. I need this to be resolved and they do nothing. And just by asking them to take care of this dose not resolve the problem. I need someone to follow up on all my credit reports to have them check from the consumer financial protection bureau that the dispute and complaint has been resolved. I have put in complaints here in the past and nothing has been resolved. Trusting that the credit agencies will do anything will produce nothing. There has to be enforcement and follow up. And if can not do this, then please tell me how to have this addressed. I will work with you in anything that you need. But there must be follow up on your agency to enforce what they have to do to resolve the issue. All I am asking is that you enforce and regulate these credit agencies as requested. But if you are not able to do this, then just please tell me where I am able to go to resolve this. Thank you very much.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ATTN : Equifax, TransUnion, Experian RE : Unauthorized inquiries To Whom It May Concern : I am writing to formally file a complaint regarding an unauthorized inquiry made by creditors listed below are as follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I did not provide consent to access my credit information, nor do I believe there was any lawful or permissible reason for this inquiry to be made under applicable law. 

By accessing my consumer credit report on the date referenced above without a permissible purpose, the abovementioned creditors have violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( a ) ( 3 ) ( f ) ( i ). 








Legal References : Case Law : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Statutes Violated : o 15 U.S.C. 1681b ( a ) ( 3 ) ( f ) ( i ) ( FCRA violation for unauthorized inquiry ) o 18 U.S.C. 1028A ( Aggravated Identity Theft ) o 15 U.S.C. 1681n ( a ) ( False Pretenses and FCRA violations ) I have not entered into any transaction with the abovementioned creditors, nor do I have an account with abovementioned creditors as defined under 15 U.S.C. 1693a ( 2 ). Therefore, there was no lawful basis for this inquiry.

Impact and Damages : Due to this unlawful action, I have experienced significant harm, including the denial of credit and the inability to obtain credit line increases. Additionally, this unauthorized access to my personal information has resulted in reputational, emotional, physical, and financial distress.

Remedies Sought : 1. Deletion of the Unauthorized Inquiry : I request that you remove the unauthorized inquiry placed on my credit report immediately!

2. Settlement of Damages : In accordance with 15 U.S.C. 1681n, I am seeking compensation for the damages I have incurred as a result of this violation. I am willing to settle this matter for {$1000.00}. Should you fail to remit payment of this amount within 30 days from the receipt of this letter, I reserve the right to pursue further legal action to recover actual damages, which may exceed the aforementioned settlement offer. 
Request for Certification : Please provide a certified letter indicating the lawful purpose for the inquiry as required under FCRA Section 604 ( f ). 
Additional References : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : 12 CFR Part 1022, Fair Credit Reporting ; Permissible Purposes for Furnishing, Using, and Obtaining Consumer Reports.

Contact Information : Please direct any communications or payments regarding this matter to the following : Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the accounts and inquiries listed below have violated my federally protected consumer rights to privacy and confidentiality under 12 CFR part 1022, 15 U.S.C. 1681 ( a ) ( 4 ), and 15 U.S.C. 1681b ( a ) ( 2 ). I never expressed a written or verbal consensus granting permissible purpose to publicly report the listed accounts and inquiries. Accounts 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

XXXX shows up on my credit score as being NOT Paid/Paid LATE. I told XXXX to tell Eqifax, XXXX, and XXXX to REMOVE themselves from my credit score because I AM A VICTIM OF IDENTITY THEFT and FRAUD. SEE POLICE REPORT. MY CREDIT SCORE IS DAMANGED. THEY NEED TO REPORT TO ALL 3 AGENCIES NOW TO REMOVE.
Product: Debt collection

A XXXX XXXX bill which was the sole responsibility of the XXXX XXXX health insurance plan through my current employer XXXX XXXX who has agreed to pay all insurance claims relative to the XXXX XXXX XXXX I experienced in XX/XX/XXXX, is now showing up on my credit report even after I retained legal representation to resolve the matter in anticipation of this happening. XXXX has agreed to pay all XXXX costs associated with my XXXX  after receiving a demand letter from my attorney but has evidently not paid the outstanding debt they agreed to pay via their legal contractual obligation of my health insurance policy with them at the time which is also is still in force. I have been with the company for over 10 years and was insured under their health insurance plan at the time of the XXXX. They illegally terminated my health insurance without any notification to me on XX/XX/XXXXbut yet cashed another premium payment on XX/XX/XXXX and tried to get out from under their legal obligation to pay the rest of my XXXX  costs which is the bill being disputed on my credit report.
Product: Checking or savings account

I filed two separate claims with Wells Fargo bank, in regards to funds being deducted out of my checking account which was supposed to be money invested towards a XXXX procedure I wanted to be done, the procedure was never completed, I didn't go to my XXXX visits, and I requested that money back, it took XXXX  XXXX  many months to credit me back, so I filed a claim no XXXX, a total of {$200.00}, and claim no XXXX total of {$610.00}, funds were credited to my checking account ending in XXXX, but then a card reversal credit took place, and left me at a negative standing, I provided the bank with all necessary documents supporting my claim, and they were really rude to me. Another claim which I filed claim no XXXX, a total of {$830.00}, same thing. My Wells Fargo bank account is in an enormous negative standing due to these errors by the bank. My checking account is - {$1800.00}. I believe that if it's my money being invested it's really my choice how to go about it, and if I don't like the way one works, or products they sell are not what I am searching for it's totally up to me. Wells Fargo has been informed that the XXXX XXXX store originated to me, was a computer error, and credit was never received. I'm seeking for these funds to be credited back into my checking account as soon as possible.
Product: Credit card

I have rewards dollars that I wanted to use direct deposit into my checking account. Their website requires that the only way to accomplish this is to call them since they do not allow to do this online. I have called them 6 times to accomplish this ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX and XXXX. 

The first call I gave them all the information for my checking account, including routing number and account number. The next call I was told that I needed to wait 10-14 business days. The next call I was told that I needed to wait 90 days before accessing the funds. The next time was to again give them my routing and bank account number. The next time was to again supply them with those numbers and the final time I requesting a supervisor ( XXXX XXXX who could not explain why the funds were never deposited and assured me that they would be deposited into my account no later than XX/XX/XXXX. I provided again the routing and account numbers and again the funds were never deposited.