23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXXXX/XX/XXXXAccount Number : XXXXXX/XX/XXXX XXXX - {$0.00} - exp XX/XX/XXXXXXXX XXXX {$1300.00} - exp, XXXX XXXX XXXX XXXX - {$1200.00} - exp, XXXX XXXX XXXX XXXX - {$520.00} - exp, XXXX XXXXXX/XX/XXXX XXXX - {$1200.00} - XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I am a self-employed American citizen who has been living abroad for 26 years. I have owned properties in the XXXX, XXXX and XXXX and have good credit ( took a mortgage for 19 years ). I now plan to move XXXX and pursue my work there. I applied for an XXXX XXXX XXXX/Citibank card but was denied the card because I have no credit history. They also refused to allow my sister ( who has good credit ) to cosign on a card. I tried then to get a simple credit card from XXXX ( where I have maintained a checking account for many years ). They also denied me a credit card. This is simply unacceptable that I am not being given a chance to start my life with simple financial products as a healthy XXXX year old. Because of this bad credit score, it is making it difficult to even take a lease on a property without a guarantor or full payment upfront.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc was sent the tu and XXXX has failed me to do anything XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Transunion in regrads to address my current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX. Also my name is XXXX XXXX not XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( 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 need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$7900.00} XXXX  XXXX XXXX Balance : {$2000.00} XXXX XXXX  XXXX Balance : {$91.00} XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$940.00} XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MY THIRD REQUEST TO DELETE THESE ACCOUNTS FROM MY CREDIT REPORT THAT I DID NOT AUTHORIZE NOR APPLY FOR. EXPERIAN DELETED THE INQUIRY BUT NOT THE ACTUAL ACCOUNT. WHAT SENSE DOES THAT MAKE. THEY DO NOT BELONG TO ME   XXXX   XXXX   CARD AND   XXXX   XXXX   ( OPEN SKY ) If you viewed the attached documents.. My birth certificate CLEARLY shows my correct date of birth which is   XXXX   XXXX   1983.. That is not what 's being reported. Please be advised that this is my THIRD WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number.
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my complete understanding that Equifax will investigate this account for me to ensure accuracy, Here 's the account I am asking you to FULLY verify as accurate : XXXX XXXX, Account number XXXX
Product: Debt collection

The following is a letter that I sent to XXXX XXXX XXXX XXXX : The collection Agency is on there for 3 charges from United Resource Systems XXXX XXXX XXXX XXXX, XXXX Fax I am faxing 3 letters for charity that was issued by XXXX XXXX XXXX XXXX that covers the dates that you provided service. I thought that the charges were taken off when the charity was given, but they have not been taken off yet. 

These three numbers are what I was given when I called in : XX/XX/XXXX -- -- XXXX Charged {$1000.00} XX/XX/XXXX XXXX Charged {$1700.00} XX/XX/XXXX XXXX Charged {$1800.00} These charges have also been sent to the Collection Agency, United Resource System and are also on my Credit Bureaus. 

My phone number is XXXX. 

Thanks, XXXX XXXX
Product: Bank account or service

Despite my efforts to keep a substantial amount of available funds in my checking account on a daily basis, TD Bank continues to implement different techniques from within their policies and procedures to justify the overdraft fees being charged to my account. Over the past 2 days, my checking account has been debited {$70.00} in overdraft charges, despite having the available funds to cover all of my purchases and opting out of their Debit Card Advance program. My account balance has never went under {$0.00} since its inception, however TD Banks policies on overdraft charges does not require an account balance to go under {$0.00}. They have designed overdraft policies that allow for them to charge {$35.00} on checking accounts with sufficient balances. Attached is a record of my transaction history which proves that my account balance has always been sufficient when the fees were charged. The overdraft policy implemented by TD Bank has been designed to use the policy against the customer for the banks financial gain as opposed to the policy creating ways to benefit the customer during times of financial hardship
Product: Credit reporting or other personal consumer reports

ACCOUNT NAME : FNB OMAHA, ACCOUNT NUMBER : XXXX. This account does NOT belong to me.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payments on Account XXXX  Dear CFPB, I am filing a complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

Additional Details : The inaccurate late payment notations for XXXX, XXXX, and XX/XX/XXXX have caused significant harm to my creditworthiness and financial opportunities. These errors are preventing me from obtaining favorable loan terms and have resulted in undue stress and inconvenience. 

Discrepancies Identified : High Balance : Reported as {$200.00} Last Verified Date : Not provided. 
Closed Date : Not provided. 
Account Status : Reported as " Closed '' but details differ across sources. 
Credit Limit : Reported inconsistently as {$200.00}. 

These discrepancies and errors in reporting late payments directly violate the following laws : FCRA 1681i : Failure to ensure accuracy and to investigate disputes properly.

TILA 1666b : Failure to provide periodic statements within the required timeframe.

FCRA 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy of credit report information.

FCRA 1681s-2 ( a ) : Furnishing inaccurate information to consumer reporting agencies.

15 U.S. Code 1692e : Prohibition against false or misleading representations in debt collection. 

Desired Resolution : Immediate removal of the late payment notations for XXXX, XXXX, and XX/XX/XXXXXXXX  from my credit report. 

Written confirmation of the correction. 

A thorough investigation into the discrepancies listed above to ensure the accuracy of all future reporting. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

My name is XXXX XXXX and Im a consumer submitting this complaint on the behalf of myself without any influence from any third party being involved.

Fraud has been committed on my consumer report, which violates the FCRA and FDCPA.

( MACYS/CBNA ) is using extortionate means to collect on alleged debt. I do not owe that result from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion.

This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ). 15 U.S.C.1692 ( G ) Section 809 ( B ).

THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210. 
This authenticated record must include all tax filings ( including all 1099s, 1096s, and 1098S ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party.

I have a right to this information, as its directly associated with the reporting activities This is also a NOTICE exercising my rights to prevent the processing of my personal data by ( MACYS/CBNA ). Please be advised that providing a memorandum or other statement from your agency, stating that ( MACYS/CBNA ) the assignment of the account was transferred shall be deemed insufficient. Failure to substantiate the claim, please settle the accounts immediately and cease and desist all communication and have these trade lines deleted from my consumer report. PLEASE BE ADVISED THAT YOUR ARE IN VIOLATION OF MY CONSUMER RIGHTS AND THE FDCPA.
Product: Checking or savings account

A check written on a Citizen Bank checking account for {$200.00} was stolen washed and cashed for {$6300.00}. I reported it to the bank as soon as I got my statement on XX/XX/22. I also reported it to the Police and the Postal Inspectors. The bank sent me a XXXX XXXX which I filled out and returned on XX/XX/22, the same day I received it. Citizens Bank claim number XXXX. They sent me a letter dated XX/XX/22 that they have reached out to the originating bank ( I was told it is a XXXX XXXX ). On XX/XX/22 I contacted Citizen Bank and was told that they had not received a response from XXXX XXXX and that there was no deadline for them to do so. This is a huge amount of money for me as I am a XXXX XXXX citizen.
Product: Checking or savings account

I opened a XXXX XXXX account with Wells Fargo in XXXX. I have made 2 transactions into this account. One is from XXXX, the other is from XXXX XXXX. They told me that both transfers were unauthorized. I told them that both transfers are from my account under my name, and I have bank statements to proof that. They still insisted on closing my account. After my account was closed on XX/XX/XXXX. I did not receive a check for the remaining balance. When I called in to check on the status, Wells Fargo advised me to initiate a fund return from original bank source. I have requested etrade to request a fund return for an amount of {$24000.00} on XX/XX/XXXX. They issued me a case # XXXX. I waited 5 days for funds to return to my account, but it did not happen. When I called Wells Fargo to check on the status, their management told me that account has been closed and there is nothing they can do. I went to the branch where I opened this account. I spoke to branch manager ( XXXX XXXX ). He has opened an escalated customer complaint in his system. I have also filed complaint with OCC ( case # XXXX ). Based on cfpb 's previous record, wells fargo has unlawfully froze 1 million consumer 's accounts based on faulty automated filter 's determinination that there may have been a fraudulent deposit ( ref to attachment )
Product: Checking or savings account

The very weekday after I filed my third ( or fourth ) complaint against Zion 's Bank N.A. ( " Zion '' ) for unethical " stacking '' practices and unethical discretionary " overdraft approval '' and related charges, has done it again. 

I repeat, I don't have overdraft facilities with the bank. Therefore, every time the bank approves a transaction when the account has insufficient funds, such approval is purely discretionary. 

Once again, Zion has demonstrated its bad faith by charging {$64.00} for two ( 2 ) transactions amounting to less than {$16.00}. Once again, Zion was not obligated to approve these transactions. 

I respectfully pray for reimbursement of {$64.00} in Overdraft Fees and for treble damages for Zion 's bad faith conduct amounting to {$190.00} resulting in a total demand for {$250.00}
Product: Credit reporting or other personal consumer reports

Company name is XXXX XXXX XXXX XXXX XXXX XXXX with an address of XXXX XXXX XXXX, XXXX, WI XXXX and a phone number of XXXXXXXX XXXX XXXX 

Account was opened on XX/XX/XXXX with a balance of {$1900.00} and was charged off with a balance of {$1200.00} in XX/XX/XXXX. Address associated with the account is XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. 

I have never lived at this address and did not open this account. I tried to get this removed from my credit report and it was denied as valid. I contacted customer service twice to discuss this and found the following information out. 
1 ) The account is associated with the address specified above.

2 ) My name is not on the account When I called on XX/XX/XXXX at XXXX PM, I spoke with XXXX about the issue she was able to retrieve the account information. When she discovered my name was not on the account, she put me on hold and then a Spanish message came up and the system hung up on me. 

When I called back on XX/XX/XXXX at XXXX XXXX I spoke with XXXX he transferred me to the department that handles fraud issues. I was transferred to XXXX and when I detailed the issue with him, he hung up on me. 

The account seems to be connected to my SSN some how which is not correct because I did not open this account and can not get information from this company about the account.
Product: Credit card or prepaid card

I'm writting to dispute an unauthorized charge for the amount of {$1000.00} was apparently charged to my Chase credit card account ending XXXX as of XX/XX/2018. I am requesting that the error is corrected, that any finance of the amount to be credited to my account, as consumer will not be held responsible for any mistake by the institution or merchants. I have contacted to the original merchant XXXX in regard of this unauthorized charges, and have come to an agreement to have the unauthorized charge to be resolved. Please provide the bill of sale, authorization of charges within 5 business days period. Unable to comply with request determined the unauthorized charges to be void. *Under Fair Credit Billing Act ( FCBA ) its mandatory to comply with disputed request of 161.Correction of billing errors, 165.Treatment of credit balance, 166.Notification of credit card issuer by seller of return of goods, etc., by obligor ; credit for account of obligor. 
170.Assertion by cardholder against card issuer of claims and defenses arising out of credit card transaction ; prerequisites ; limitation on amount of claims or defenses
Product: Credit reporting or other personal consumer reports

I viewed my updated credit report today XX/XX/XXXX I was utterly disappointed to see that my request to the bureaus to delete this fraudulent item but it is still reporting on my file. The account isn't mine is still reporting because the bureaus have disregarded my request. 

XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Checking or savings account

USAA Bank Fraud XXXX XXXX account Impersonating representatives accessing account stating account closed. 

Check mailed for remainder of account. 

No verification of account closed. Letter from USSA state changes not closure to account. 

Also current screenshot current status of truck claim fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$830.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXXXXXX Balance : {$680.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX  XXXX
Product: Credit card or prepaid card

on X/XX/17 there was a landscaping company at my house. They had issues completing the landscaping per the design, and I asked them not to show up any more. They charged my USAA credit card in the amount of {$2200.00} and he advised me that he ( XXXX - the Superintentent on the project ) would just sign the iPad for me. I advised him he is not authorized to sign on my behalf. The credit card charge was processed, and charged to my account. When I asked USAA about the charge they opened a fraud case, they asked for a bunch of information, one of which being a quote from a landscaping company to resolve the issues. Its XX/XX/XXXX and we 're in the middle of landscaping season and all the landscapers are busy. I could n't get a quote done. While I was trying they closed the case and said that there was no " billing error '' that happened. When I called to inquire they advised me to submit a letter, and file a complaint here.
Product: Student loan

In light of the automatic administrative forbearance applied through the CARES Act, my Direct consolidated loans were changed from repayment to a forbearance status without my consent. I have emailed FedLoans several times without response ( weeks ago ), and finally reached someone through XXXX but the response was vague and did not make sense to me. Even the one time that I reached someone through the phone, the representative did not seem like she was sure of the answer that she was giving me. I need accurate answers to the following regarding my federal loans : 1 ) Will my outstanding interest from PRIOR to XX/XX/2020 ( obviously not the interest during the temporary 0 % interest period from XX/XX/XXXX to XX/XX/2020 ) capitalize to my principal balance at the end of the automatic forbearance which I did not initiate? There is nothing IN WRITING on the studentaid.gov  website, and Fedloans has been giving mixed messages regarding this issue on their website, XXXX, XXXX etc. 

2 ) I understand that Public Service Loan Forgiveness ( PSLF )   credits can still be earned during the period of XX/XX/XXXX to XX/XX/2020. But for those of us who would otherwise meet the requirements and qualify but are unemployed, would unemployed borrowers still be able to earn PSLF credits during this period of time? Do I need to continue to be on administrative forbearance in order to still earn PSLF credits while unemployed, or can I stay in repayment status? 

3 ) If I go back to repayment status, but later decide to go back to administrative forbearance, am I able to do this ( until XX/XX/2020 )? 

The answers to these questions may help many other borrowers if it is posted clearly on the studentaid.gov website, and it would help if FedLoans also was consistent in all of its communications ( I don't expect much from FedLoans, and I don't trust them anymore about this issue ). 

Thank you.
Product: Checking or savings account

Citibank has closed both of my accounts arbitrarily and without previous notification. 
The fact that they closed my accounts is having a huge negative effect in my finances : 1. Credit cards payments are being rejected.

2. They are holding my operative funds which I need to manage the day-to-day operations of my company.

As you may see, I have been severely affected for this unilateral decision. 
Although I went to the Citibank branch in XXXX, FL ; I did not receive any clarification about the reasons why my accounts were canceled neither receive access to my funds. 
Citibank is now holding funds to which they are not entitled neither have authorization to do so. 
Please note that after reviewing internet for several alike cases, I have found that Citibank has a regular practice keeping customers funds for several months, so I am afraid that my funds will be held for an indefinite time. 
The picture attached was provided to me in the branch but was never delivered to my house.
Product: Credit card

On XX/XX/2023, {$2600.00} was charged to my Citi card account without my consent. Despite my repeated attempts to dispute this charge through the customer service department, I have not received a satisfactory resolution. Similarly, despite numerous attempts to resolve this issue by contacting the Department of Credit Card Dispute, I have not received any response or assistance.

Every time I called, they put me on hold for several hours and transferred the call to different departments. In my last attempt, they said that my case was closed and that I had to contact the retail store, which was outside the country. I sent two letters, but they have not responded to me.

The Transaction was made in another country, the XXXX XXXX, during a five-day Family vacation. I stayed in an all-inclusive resort and did not leave the resort. When I called to start the dispute, the customer service representative claimed that my husband 's card was the card used for the transaction. I told them that my husband hadn't used this card since we opened the account. His card during the trip to XXXX was stored in our home in the safe box. I requested the invoice or signatures for the purchase, which they have not provided. I learned that the store where the transaction was made is a hardware store. I don't own property in XXXX and we don't have family or friends that live in XXXX , there is not reason for me to have made such a large transaction.