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

No permissible purpose was given. Pursuant to XXXX XXXX XXXX ( XXXX ) ( XXXX ). Pursuant to XXXX XXXX XXXX ( XXXX  ) ( XXXX ) the banking system is counting on consumer reporting agencies to report accurate and fair information to my credit file which you haven't. by reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of XXXX XXXX XXXX ( XXXX ) ( XXXX ) and The Privacy Act of XXXX. You also cant claimed you verified any accounts unless you an prove you did what you suppose to do Pursuant to XXXX XXXX XXXX ( XXXX ) Which defines " investigative consumer report '' personal interviews with neighbors, family and friends and must show proof via affidavit of fact. Pursuant to XXXX XXXX XXXX ( XXXX ) stats that my consumer report should not include any factual information obtained directly from the creditor. If all accounts are not removed in 30 days as stated in XXXX XXXX XXXX ( XXXX ) ( XXXX ), I the consumer will seek remedy XXXX XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ). I demand that you block these alleged accounts Pursuant to XXXX XXXX XXXX. You Credit Reporting Agency did have permission from me the consumer to furnish any alleged debt to my consumer report and that is a direct violation of XXXX XXXX XXXX ( XXXX ) ( XXXX ) which states a consumer report means any written, oral or other communications. XXXX XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) also states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from my consumer report. All the account listed in the Identity Theft Report are all extension of credit that need to be removed. You Credit Reporting Agencies have a obligation to follow procedures pursuant to XXXX XXXX XXXX ( XXXX ) to assure maximum possible accuracy of the information that is being furnished on my consumer report. Pursuant to XXXX XXXX XXXX ( XXXX  ) ( XXXX ) when an account is inaccurate or unverifiable it should be deleted immediately. You will be held liable for willful non compliance and physical and emotional damages. Pursuant to XXXX XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) no more than {$1000.00} fir each violation you have violated. Also XXXX XXXX XXXX for negligent non compliance an I will be seeking remedy for the damages you have caused for failure to obey federal law.
Product: Mortgage

The mortgage company keep adding fees and other expenses to my escrow account, I try to figure out the reason of this fees & expenses with many calls with the mortgage company, but no reasonable reason.
Product: Credit card

On XX/XX/XXXX I purchased a commemorative dollar bill from XXXX XXXX. 
After the initial order I received more of the same items in the mail that I did not order. I contacted XXXX XXXX at XXXX but was unable to get an agent on the phone. 

On XX/XX/XXXX I disputed a charge with citi for transaction XXXX XXXX XXXXXXXX IL {$200.00} on XX/XX/XXXX. 
Citi requested Actions on XX/XX/XXXX. 
I provided Documents to Citi on XX/XX/XXXX. 
Citi said Resolved - Customer Responsible on XX/XX/XXXX The letter stated After reviewing your dispute and the information you provided, we're unable to resolve the dispute in your favor. The information wasn't enough to support your claim, and you are responsible for the disputed charge. If you'd like to pursue this matter further, please contact the merchant directly On XX/XX/XXXX I disputed a charge with citi for transaction XXXX XXXX XXXXXXXX IL {$200.00} on XX/XX/XXXX. 
Citi requested Actions on XX/XX/XXXX. 
I did not see this request and I dont know what extra information they need, I have no record of this. Citi did not make a reasonable request to call and ask me for more information. 
Citi said Resolved - Customer Responsible on XX/XX/XXXX I cant get a copy of this letter, i get Looks like were experiencing a temporary technical issue. Please try again later. 

I have tried multiple times to contact the merchant XXXX XXXX and i am not able to get a customer support agent on the phone at XXXX. 

I called citi dispute center on XX/XX/XXXX XXXX XXXX to explain what was wrong with the submission. They said they could not help out with the matter due to the age and then hung up the call without giving us a full explanation of why I was responsible. 

Citi notified me in non apparent ways, such as mail with no tracking number, emails that i dont check everyday and notifications in the citi app that has notifications turned off. I am over XXXX XXXX XXXX and I feel this treatment is XXXX  abuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been hacked and their site indicates that my information was open on the Equifax computers to the hackers. This happened in XXXX and I just was aware of this BY NEWS REPORTS yesterday, XXXX XXXX. It has been reported that officers/executives at Equifax dumped their stocks when they found out about it in XXXX. Equifax has betrayed a public trust and should not be allowed to function ... put them out of business since they are not acting in good faith. Little people, like me, have had our security compromised by their XXXX Equifax 's ) lack of professional standards. The hackers can hold onto our info for some time before " cashing in '' on small folks like us ... .so now my meager finances are at risk FOREVER. I am a senior living on a pension and can not afford to take a financial hit. There must be a penalty imposed on Equifax for their disregard for our financial safety.
Product: Debt collection

I have been receiving calls from XXXX XXXX XXXX for some time now. They call not only the number I gave you but others as well. However since you 've asked me not to supply you with contact information in this statement I will not list them. 

They claim they are collecting from checks from XX/XX/XXXX and XX/XX/XXXX. I have asked them on numerous occasions not to call me anymore. They still continue to call me. Furthermore, not only do they call me still, they call me upwards of 10 times a day. I have printed out my call logs as proof. 

Besides the fact that they are obviously harassing me, I have also been hung up on in the middle of the conversation only to be called right back within minutes. I 've even been called by a supposed supervisor named XXXX who told me she heard the harassing phone calls and would rectify the situation. Well they never stopped. Some of the representatives who called me are named XXXX and XXXX. I never get a last name. 

At this point I am filing this complaint as I am an informed consumer. it was n't but 90 days ago where I had completed services with a credit consulting firm and they informed me of several laws regarding collections. I 've read the Fair Debt Collection Practices Act and I know that they are not allowed to harass me. Besides the fact that the debts they are attempting to collect are not legitimate as I have contacted the banks that the collection agency claim the checks originate from, I know that the XX/XX/XXXX date they gave me make the debts past the statute of limitations for suing and credit reporting. Since they have now been informed not to contact me anymore and they continue to do so they are in severe violation of the F.D.C.P.A. Please look into this as this company should not be allowed to collect anymore. Who knows how many people they have conned through their illegal tactics.
Product: Credit card or prepaid card

I contacted Capital One on XX/XX/XXXX to inquire about a dispute with Payless XXXX XXXX I was informed that my dispute was being investigated as a fraud case ( a fraudulent charge ) as opposed to a disputed charge case. The Capital One representative informed me that the case needed to be moved from a fraud investigation to a dispute investigation, and she assured me that she would take care of that. 

I received a collections letter in the mail from Payless XXXX XXXX on XXXX XX/XX/XXXX for approximately {$1300.00} more than what I actually owe on the rental. 

After receiving the letter, I called Capital One again on XX/XX/XXXX to ask about the progress with my dispute case. Capital One informed me that the case was still being investigated as a fraudulent charge instead of a disputed charge, and that was causing the delay. The Capital One representative explained to me that a new dispute case could not be opened until the fraud investigation was closed, and because Payless XXXX XXXX  had not responded to them about the fraud investigation, Capital One was not capable of starting a dispute investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

Dear CFPB, I am writing to file a complaint against Wells Fargo regarding their deceptive practices of unbinding my repayment account on my due date and their refusal to rectify the situation. On numerous occasions, I have contacted the bank to address this issue, and they claim that the repayment account, which has been used multiple times, is unverified. However, I have evidence that my XXXX XXXX XXXX account was verified on XX/XX/XXXX, as shown below, and I have made multiple repayments. 

I received {$38.00} in interest income, as evidenced by my account statement from XXXX XXXX. This demonstrates my financial stability and ability to meet my repayment obligations. 

The banks insistence that this is my fault is unjustifiable. Furthermore, they have requested that I re-enter my card information into the app, but the system only informs me that this account already exists and requires another card to be added. This mismanagement by the bank, which is on the brink of bankruptcy, is inexcusable, and they are wrongfully shifting blame onto their customers. 

I am submitting this complaint in the hope that the bank will promptly resolve this issue. In the meantime, I will not bear any interest incurred during this period, as this is not my error. 

Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

to Whom it may concern, In accordance with the Fair Credit Reporting act : XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXXAccount # XXXX has violated my rights. 

In accordance with 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.
Product: Credit card or prepaid card

I recently learnt that my personal information was stolen and opened a fraudulent account by Discover Financial Services ( acc no : XXXX ). I am a victim of identity theft. The thief stole my personal identification information and opened a fraudulent account without my knowledge. I disputed this fraudulent account with XXXX, XXXX, and XXXX and they deleted Discover Financial Services account from my credit report. But recently XXXX reinserted this fraudulent account back to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In its response, dated XXXX/XXXX/XXXX, Experian admitted that it failed to adhere to an FCRA requirement. The complaint, specifically XXXX, addressed multiple expired inquires which were allowed to remain on the credit report specified beyond the FCRA allowable time frame. Experian response is listed below : Upon further research, and in accordance with the FCRA, we are in the process of removing the two XXXX XXXX inquiries from your credit report, due to the retention time associated with the inquiries. 

Experian 's acknowledgement that it facilitated and allowed the furnishing and 'reporting ' of 'old ' information until its removal was requested by the complainant is unacceptable. Additionally, XXXX allowance of old information is an FCRA violation. Such allowance is a willful violation of XXXX obligations under the FCRA, and as such, damages are requested.
Product: Credit reporting or other personal consumer reports

I noticed some fraudulent inquiries on my credit report that I did not authorize. Please remove it immediately.
Product: Credit reporting or other personal consumer reports

I have tried at least five times to removed these old addresses on my credit report. None of these addresses are my current or attached to any open account. When I call and ask which one of these address are related to an open account, they are not able to explain. At this point I feel that I have been bully and my rights have been taken away. Luckily I save everything that I do.
Product: Debt collection

Auto lease was entered into XX/XX/XXXX. Lease terminated XX/XX/XXXX. Communications about late payments and additional amounts due to creditor ( Ally Financial/GMAC Financial Services ) began XX/XX/XXXX. According to the Fair Credit Reporting Act, a negative credit item can remain on a credit report for 7 years FROM THE DATE OF FIRST DELINQUENCY. The first delinquency of this account occurred no later than XX/XX/XXXX. No additional commitments, payments, or communications took place on my behalf during any subsequent time. This creditor continues to report delinquency, collection, and charge-off to this day on Credit Bureau files. Under Section 623 ( a ) ( 5 ) of FCRA : A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on that account, which shall be the month and year of the commencement of delinquency on the account that immediately preceded the action. 
Therefore, I demand that Ally Financial be held accountable and remove this negative item from all credit reporting, dating back to XX/XX/XXXX. Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for XXXX XXXX to verify alleged debt and didnt they didnt verify the alleged debt. But still are reporting on my credit report. This is continuing collection activity which is a direct Violation fdpca and needs to be removed. It also violated 15 U.S.C.A 1692 and 623.
Product: Debt collection

Inquired about the collections that are reporting to the bureau, Information was provided without proven identify.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three collections reporting on my credit file for over many years with. The debt is being bought and resold under other companies, after the investigated under the previous companies and deleted. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX and Experian all allowing this to repeat after each bureau has repeatedly removed these collections I have never owed.
Product: Debt collection

I just realized that I had this debt on my credit file, never receive any kind of letter trying to collect or dispute the debt called the company and there were unable to offer me enough information in order to verify the debt, still got into an agreement to pay it, they told me it would be removed withing 15 days of my credit report, and my credit report still showing the collection charge.
Product: Student loan

I have recently made payments on two loans on Aidvantage that totaled to XXXX on one payment and XXXX on the previous payment. These payments have been reversed without me asking for them to be reversed and the payments have not reflected in my bank account. Now the amount owed is rising due to interest. I have been attempting to make payments and the keep getting reversed. I am filing this complaint to figure out whats going on with my payments and why they keep getting reversed. I need this fixed ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called coustmer service to have this problem resolved and the guy name was XXXX XXXX and couldn't resolve this issue or give me his representative number he said it was against policy. I told him I was a victim of identity theft and I do not recognize them inquires. He told me the only thing I can do is get a police statement. The police is not going to give me a report on the inquiries on my credit report. All this came from transunion crediting bureau. 

1.XXXX  XX/XX/XXXX 2.XXXXXX/XX/XXXX 3.XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XX/XX/XXXX 6.XXXX XX/XX/XXXX 7.XXXX XXXX XXXX 8.XXXX XXXX XXXX 9.XXXX XXXX XXXX 10.XXXX  XXXX  XX/XX/XXXX 11.XXXX/XXXX XX/XX/XXXX 12.XXXX/XXXX  XX/XX/XXXX 13.XXXX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

this company has been reporting inaccurate and false information on my credit profile. it has been causing me great emotional and physical distress. I am unable to function properly daily because of the damages this company has caused me please see attachments below
Product: Mortgage

Ref : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We have been with BOA for over XXXX years, I was approached by a Banker XXXX XXXX of Bank America, he lives in my building at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and asked me if I want to do a cashout refinance. 
My condo is paid off, comps about XXXX XXXX, so I applied for a loan. My credit score is XXXX, I own several XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX gross income amount XXXX XXXX a year. 
I replied to every condition they gave me on time, they have a loan agent that works from XXXX XXXX and covers a BOA office in the XXXX, an assistant in XXXX  that is an XXXX, not sure where the underwriter is. 
When anyone from BOA calls me I call them and they say the calls are being recorded. I have stated to them over the phone and in writing that I live XXXX  days a week in XXXX XXXX and my daughter has lived with me when she was in XXXX  and about XXXX  months ago she got a job in XXXX XXXX. I have a second home at XXXX XXXX XXXX XXXX, where I am there XXXX days a week. 
First they questioned me to why my daughter lives with me in XXXX XXXX, and then why my sons live with me in XXXX XXXX. Even though on recorded voice conversation, were I live between the XXXX place, then they claim that XXXX XXXX is not my principal residence, They claim I own too many properties, they want to get mortgage statements and Notes for every property that I own, bank accounts and retirement accounts which I have over XXXX. 
I was told they couldnt give me a loan, so I asked to talk to the underwriter, first they said no, then I spoke to the underwriter. 
I used to be a mortgage broker, I am more than qualified to get a loan yet I was turned down. 
When I threatened to file a complaint the reason for not giving me a loan changed, and it does not match the letter that I got today. 
I asked them for a copy of the recorded messages and they said I can not get them. 
I am going to pull my account from this bank, it is not enough. I would like to have your office investigate this bank and this transaction to see why they have discriminated against me. 
After I was turned down from BOA, last XXXX, I just got a XXXX XXXX dollar cash out refinance on a commercial building that is worth XXXX XXXX with a XXXX XXXX first, the lender Please let me know what else I can do, besides taking legal action against the bank. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I opened my Chase account XX/XX/2017, I have been making the payment on time since 2017. Last year, I had a minor XXXX and I was unemployed for six months, it kept me so behind on my bills since I didn't have a job. I explained this situation to many chase reps and asked them to help me with my financial crisis. I also asked them to waive the late fees and also reduce the interest charges because it's too hard to pay off with my situation. They refused to waive the late fees which is {$37.00} and also refused to waive the interest charges. Now, my balance is {$9100.00} and I started my card with {$8300.00} limit. My minimum payment is {$1800.00} and it keeps showing on my credit report as a delinquent account. I spoke with many people and they all are helpless. They do not help at all on the other hand, XXXX XXXX really helped me out when I was in a same situation. 

I can not pay such a high amount because I don't make much and I am also an XXXX XXXX so it's super hard to pay off the whole balance.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX through XX/XX/XXXX, my account was automatically locked. I spoke to a representative from PNC and was told that my account was locked and I was suspended permanently from using. However, I was unable to take any funds out of my account. I went to a physical branch multiple times and was told that there was nothing they could possibly do my account was still getting charged without my authorization however I had no access to get inside of my account. Unfortunately, I had to cancel my PNC account due to the fact, I wasnt able to use XXXX
Product: Credit reporting or other personal consumer reports

I filed bankruptcy in XXXX of XXXX. My auto loan with Wells Fargo was not apart of the bankruptcy. It was reaffirmed and not XXXX in the proceedings. They erased the auto loan from my credit and refuse to report my loan or present payments to the credit reporting agencies. I have called them many times and have wrote a formal letter to request that they report my loan. This is my second complaint with CFPB because Wells Fargo 's response was " due to a systems limitation we are not able to put your auto loan back on your credit report or start reporting now '' That did not fix the problem and there was no resolution. Nor was there anything that they offered to do to fix their system limitations. They didn't even say what the system limitation was. It is a major banking institution that has system limitations when it comes to reporting to the credit agencies?? Really? I have a loan that I pay every month on time and I deserve to have it reported to my credit. This year ( XXXX ) they deleted all loan history from XXXX til now!! They want their money every month which I give to them on time. Why are they allowed to get away with erasing my loan history, not reporting current and refusing to fix the problem?