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

I recently looked at my credit report and i noticed these accounts listed on my credit file and they are hurting my ability of obtaining credit accounts open and also hurting my ability to purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. 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. This was already included in my prior COMPLAINT #, and I'm including it again. Please update the following items that are harming my credit : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that a credit inquiries was made by the credit inquiries listed below. 
However, these inquiries was not authorized by me. Therefore, I am writing to dispute these inquiries and have it removed from my credit report. XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon taking a closer look at Consumer Reports I've realized that there are inaccuracies reporting that's damaging my credit worthiness and hindering my ability to be able to adequately provide for my family. FED LOAN SER account has been consolidated and been paid in full of a XXXX balance. However, it's also reporting that I have a 90-day late payment on multiple accounts with them which is inaccurate. I got the Loan in 2009 and has never made a late payment. My loans were also in forbearance the time frame that those inaccurate derogatory missed payment were furnished. I reached out to in reference to the matter and they mailed me a correspondence stating account was paid in full they have not record of payment history because the account was closed and paid off. I uploaded documents if you could please do what's fair and equitable to me as a consumer and reinvestigate, remove and or update the accounts in questions.
Product: Checking or savings account

on XX/XX/XXXX an illegal wire transaction from my chase bank account was done and the tranfer {$490.00} dollars from my account to another chase bank account, i was subject to a fraud and money was transfer from my accou, i gived all the information to my bank and copy of the police report and the bank still transferred the money and now chase bank is telling me that they cant do nothing about that .and all they can do is a courtesy call to the party that made the fraud because the transactions is already process, even though they have the other party info, my bank account is on chase bank , a police report is being issued and is a federal police case open but Chase bank did not provide any help gettimng my funds, i hold a busisnes account with CHASE for over XXXX  years
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX **** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chapter XXXX Bankruptcy XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX OF XXXX XXXX Chapter XXXX Bankruptcy Federal # XXXX XXXX XXXX XXXXXXXX **** XXXX XXXX Bankruptcy XXXX XXXX XXXX  FL XXXX # XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Product: Mortgage

IN XX/XX/2015 MY WIFE AND I TRIED TO REFINANCE OUR HOME WITH BANCO POPULAR OF PUERTO RICO AND AFTER RECIEVING NOTICE OF APPRAISAL FOR $XXXX HAVING THE DEBT AT $XXXX ($XXXX EQUITY) AND HOUSEHOLD EARNINGS OVER $XXXX FOR EACH OF THE LAST 3 YEARS. AFTER 6 WEEKS WE CALLED AND TO OUR SURPRISE WE WERE DENIED OF THE LOAN BUT THEY NEVER WROTE OR CALLED AND THEY NEVER PRESENTED A WRITTEN PROPOSAL FOR WHICH WE HAD A RIGHT TO SEE BEFORE WE WOULD ACCEPT THE PROPOSAL TO BE TAKEN TO THE DECISION MAKERS OF THE BANK STAFF.
WE GAVE THE BANK $XXXX DOLLARS FOR THE APPRAISAL AND DOCUMENTATION WHICH WE NEVER SAW. THE OFFICER THAT ATTENDED OUR CASE TOLD US THAT WE WOULD NOT HAVE ANY PROBLEMS WITH OUR CREDENTIALS AND OFFERED BY WORD OF MOUTH TO CLEAR OUR C.C. DEBTS WHICH WOULD BE ADDED TO THE DEBT ($XXXX). IN TOTAL, WE WOULD BE PAYING $XXXX LESS MONTHLY, ($XXXX) WHERE WE USE TO PAY BETWEEN HOUSE AND C.C. $XXXX CAN SOMEBODY EXPLAIN? THEY NEVER WROTE, NEVER CALLED AND WE HAD TO CALL TO FIND OUT. THEY TOLD US THAT OUR INCOME WAS INSECURE BECAUSE WE ARE XXXX????? IT WAS NOT INSECURE WHEN WE PAID THEM FOR 146 STRAIGHT MONTHS ON TIME!!! NOW, BECAUSE WE WANTED TO LOWER OUR INTEREST RATES FROM 6.25% TO 3.75% WITH VERY FAIR CREDIT. IN MY OPINION THEY WANT TO TAKE THE PROPERTY FROM US AND AT THIS POINT THAT IS WHAT THEY ARE DOING. WE STOPPED PAYING THE HOUSE BECAUSE FROM THAT MOMENT ON (XXXX) WE SUUFERED A LOST IN INCOME AND WE TRIED LOSS MITIGATION BUT WITH NO AVAIL BECAUSE THEY TOLD US THAT THE HOUSE BELONGS TO XXXX AND THEY DO NOT DEAL WITH LOSS MITAGATION. WE WENT TO CONSUMER CREDIT, WE TRIED HARP, HAMP, HOPE, MAKING HOME AFFORDABLE WITH NO RESULTS IN OUR FAVOR. THE BANK WAS MENACING US THAT IF WE DID NOT GIVE THEM THE HOUSE THEY WOULD FORECLOSURE LEGALLY, TAKE IT TO AUCTION , SELL AT WHATEVER PRICE THEY CAN AND WE WOULD BE RESPONSIBLE IN OUR LIFETIME OF PAYING THE DIFFERENCE. WE HAVE SUFERRED A GREAT LOST, ALL OUR INVESTMENT IS IN THE WALLS OF THAT HOUSE. WE HAVE SHED OUR TEARS AND WE STILL DO. 
IF YOU WISH TO CONTACT ME, PLEASE DO 
XXXX OR XXXX
THANK YOU AND XXXX BLESS
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2024 for Account # XXXX, Application # XXXX, I was denied my right to initiate the above mentioned consumer credit transaction, in which I have not received any benefits from the use of my credit, yet I have provided my personal information. The denial of my right to extended credit caused me mental and financial distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is perpetuating Fraud by having Hard inquiries remain on my credit profile that I did not request, give permission, request etc.. This is a violation of FCRA Section 1681b ( c ) and is a Breach of Privacy per Federal Law.

I have reported these to Transunion as Fraudulent but Transunion says, " Please note that your specific consent to the release of your credit information is not necessary for a permissible purpose to exist ''. This essential means that any person, entity, computer algorithm can access my credit report and add miscellaneous unverified data to my Credit profile and anyone else 's.

This is a gross abuse and negligence on the part of Transunion and I am very appalled by this cavalier attitude towards the FCRA and it's rules governing privacy.

Below are the Fraudulent inquires that I'm referring to. 

XX/XX/XXXX - XXXX XXXX ( not mine ) XX/XX/XXXX - XXXX  Card Services ( not mine ) XX/XX/XXXX - XXXX XXXX ( not mine ) XX/XX/XXXX - XXXX Financial ( not mine ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( never requested ) XX/XX/XXXX XXXX XXXX  Card Services ( not mine I demand that Transunion remove the inquiries listed above. Per Federal Law and FCRA Section 1681b ( c ), they meaning the Credit reporting bureaus in this case Transunion, must remove these Hard inquiries immediately from my credit file. 

Please remind Transunion there is a fine of {$1000.00} per FCRA violation and can be enforced by the State of Kansas 18th District U.S. Court and the Federal Government. 

.
Product: Mortgage

I am a victim of Hurricane Sandy. I had to use this HELOC to pay for the construction costs to rebuild. Construction costs after Sandy skyrocketed. The account became difficult to pay every month. I called and asked Bank of America for a modification and in the process BOA of America has not fairly and in good faith accepted my valid income verification. The point person has made several mistakes like setting up the modification under the incorrect address and account number and declaring the property vacant which disallowed rental income when the property was never vacant. The underwriter has made decisions based on the incompetence of the point person handling my account and the misinformation he provided. I also believe that BOA did not follow the proper guidelines and procedures and I was never asked to fill out the proper BOA paperwork, instead I was instructed to fill out information on a piece of loose-leaf which lead to some misinformation. I have months of emails to the executive team at BOA complaining about the mistakes and treatment. I will include in my complaint and I have requested from BOA for all transcriptions of recorded conversations which they have failed to comply to date.I also have concerns with the BOA rep and his possible discriminating treatment of me on the XX/XX/2019 phone conversation. That is why I was requesting the phone records.
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the fair credit reporting act the list of accounts below has violated my Federal protection consumers rights to privacy and confidentially under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : department of education Account number : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX  ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX 
ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX 15 U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also State a consumer report 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 reports containing any of the following items of information any other adverse items of information, other than records of conviction of crimes which antedates the report by more than 7 years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is incorrect
Product: Credit reporting or other personal consumer reports

After viewing my personal information on XXXX, XXXX and Transunion. I noticed that there are several pieces of information that is incorrect. This information needs to be corrected
Product: Credit card or prepaid card

The problem I have with waifer credit card is that they continue to charge XXXX dollars that I paid 3 years ago XX/XX/2017. I exposed this problem in XXXX of this year they fixed it and they reloaded the same amount now in XXXX how many times will I have to. pay this money where I bought my mattresses 3 years ago they only tell me that they have to go back to investigate again I do not understand
Product: Payday loan, title loan, or personal loan

I purchased furniture when we lived in Texas from a company called XXXX XXXX. They told us it was a 12 month installment loan. It ended up being a 90 days same as cash. They added all kinds of interest fees and charges to the debt. Not only that we were double billed. We paid off the other Company. XXXX XXXXXX/XX/XXXX XXXX turned the account over to Express Collections out of South Dakota. 
This is the only delinquency left on my credit report. I tried to settle the account and they will not negotiate a fair price. We are in the middle of a Pandemic and they will not budge. Every other Company in America will negotiate for XXXX % of the debt.
Product: Credit card

XXXX XXXXXXXX account with a yearly {$100.00} membership fee ( account ending in XXXX ) I attempted to close XX/XX/XXXX. I was told to pay the yearly fee and then ask for a refund when the account was closed. I refused. They offered to convert the account to a non yearly membership fee account and remove the {$100.00}. I agreed ( acct # XXXX ). Since XX/XX/XXXX I have had 8 separate conversations attempting to resolve the matter. XX/XX/XXXX Citibank attempted to extract payment from a checking account I closed in early XXXX. Then Citibank charged me for a returned check fee On this same credit card account Ive been attempting to close since XX/XX/XXXX!! I have never activated this credit card. Please help me before they report to credit bureau. This must be considered predatory and harassment.
Product: Credit card or prepaid card

I opened a Citi Bank credit card account with Best Buy on XX/XX/XXXX and made at {$4000.00} purchase at Best Buy on this credit card, an interest deferred offer. I had amoritzed payments to pay off the entire balance by the expiration date on the offer ( XX/XX/XXXX ) in 24 equal payments via an auto-pay. Prior to the first payment being made, a payment of {$100.00} was made over the phone on XX/XX/XXXX. After the first payment, an e-check was scheduled to go out from my bank for XXXX, XXXX, until the auto-pay could begin. Recently, I received a statement from Best Buy, indicating a balance of {$1700.00}. A telephone inquiry with Best Buy, made on XX/XX/XXXX, has revealed that, by XX/XX/XXXX, a balance of {$51.00} still remained on the account, and all the interest, accrued over 24 months, has been posted to the account. After an hour of having been transferred around, Best Buy was unable to bring up the history of payments made on this account. During the month of XX/XX/XXXX, I received several phone messages regarding my the Citi Bank credit card account ( no detail was provided ), and each time I called back, the customer service department was unable to locate an active account for me with an outstanding balance, including during the phone call on XX/XX/XXXX. Since I was never able to successfully connect my Best Buy account with this card number online, and have not used the card since the XX/XX/XXXX purchase, I was not aware that the card was with Citi Bank. I am filing a complaint to dispute the interest charges on my account. How could a payment have been missed or delayed using auto-pay? Is it possible that the XX/XX/XXXX payment may have been mistakenly directed to the wrong, inactive, account and therefore never posted on this account? I am attaching proof of the 1st 2 payments on the account. As you can see, XX/XX/XXXX payment aparently was not applied and may have been sent back to the bank, without my noticing it. Also, I would like an explanation for how 2 years ' worth of interest at 26.49 % can be charged on {$4000.00} when Citi Bank did not have an outstanding debt in this amount for the entire time. According to the Truth in Lending Act, the credit card issuer must notify me of the interest rate increase 45 days in advance of the increase, giving me the option of paying off the balance at the existing lower interest rate. This notice was not provided -- if it had been, I would have been aware of the remaining balance on my account. In conclusion, I feel, I have done everything in my power to pay off the balance by XX/XX/XXXX, but due to the confusion with accounts, not all payments posted in a timely manner, and sufficient notice was not provided for me to rectify the problem.
Product: Credit card

On XXXX XXXX XXXX I made an online purchase, using the Costco Anywhere Visa Card by Citibank. Citibank sent me a message stating that the transaction didn't go through. I had to use an alternative method of payment ( it was paid for by my friend using the XXXX bank account ). However, several days later I noticed that the charge appeared on my Costco Anywhere Visa Card by Citibank, as a result I was charged twice. I disputed the charge with Citibank and they requested the proof that I used an alternative method of payment. I have provided the receipt that showed the date, the vendor, the amount charged, the card number and the name of the card holder. Citibank twice rejected that document and when I called them on XXXX XXXX XXXX and asked why Citibank customer service manager stated that the document that I provided was in XXXX and that they do not accept the documents XXXX XXXX XXXX I indicated that XXXX is the second official language in the US and that a foreign bank can not provide documents in English if it's not their official language. Citibank representative didn't accept my argument. Given that even the answering service for Citibank credit cards customer service has an option for XXXX, I don't believe that Citibank doesn't have expertise to process the documents in XXXX. So I am filing this complaint because in my opinion Citibank is denying me the service under a false pretext.
Product: Debt collection

I checked my personal credit report, and I noticed that unauthorized inquiries have been made. I contacted the creditors who placed these inquiries, and asked them to remove them from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than XXXX business days ago, they have failed to respond and honor my request. Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation
Product: Credit reporting or other personal consumer reports

I have attached an FTC report with a collection and fraudulent unauthorized inquires that don't belong to me. I have reached out the collection company many times. They are reporting something that doesn't belong to me and I need it deleted. This is a violation of my FCRA rights and I wont have it.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have tried contacting XXXX, XXXX, and equifax various times within the past year challenging the 100 % accurate reporting of this charged off account being reported on my credit report ... each time they say that it is verified as accurate ... .how so? they are violating my consumer rights high credits do not match per bureau XXXX is reporting {$3900.00} XXXX is reporting {$3900.00} equifax is reporting {$3500.00} dates of last active do not match per bureau XXXX is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX equifax is reporting XX/XX/XXXX dates of last payment do not match per bureau XXXX is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX equifax is reporting XX/XX/XXXX and if you look at the 2 year payment history they are reporting XX/XX/XXXX
Product: Credit reporting

BETWEEN THE DATES OF XX/XX/2017 AND XX/XX/2017 TRANSUNION HAD A GLITCH IN THEIR SYSTEM THAT VIOLATED THE RIGHTS OF THEIR CONSUMERS UNDER SECTION 6.11. AS A RESULT, I HAVE BEEN GRAVELY AFFECTED. XXXX COLLECTION ACCOUNT AND XXXX INQUIRIES WAS DELETED THEN ADDED BACK ONTO MY CREDIT REPORT. TRANSUNION HAD FIVE DAYS TO NOTIFY ME ABOUT THIS REINSERTION. NO NOTICE WAS EVER GIVEN WHICH IS A VIOLATION AND I AM REQUESTING THAT THE COLLECTION ACCOUNT AND ALL INQUIRIES LISTED BELOW BE REMOVED. 
COLLECTIONS : 1. XXXX INQUIRIES : 1 ) XXXX XXXX 2 ) XXXX 3 ) XXXX 4 ) XXXX XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX 7 ) XXXX
Product: Debt collection

Good afternoon, the company is called XXXX XXXX with the phone # XXXX that is a debt collector for XXXX XXXX XXXX ( XXXX ) have violated my rights as a consumer. This company XXXX called my nephew XXXX, on XX/XX/2020 and told him the case #, phone # to contact them and they were filing the case in XXXX XXXX Texas, that I needed to call asap. I do not know how they were able to know that XXXX was my nephew. Then on XX/XX/XXXX, the company contact my place employment and gave the front person all the information. The case #, phone # and they were trying to locate me to file against me in XXXX XXXX. I called the number, these people will not give the name of the company except " XXXX XXXX '', one lady name XXXX, they could not give information to the safety of their employees. Then she ask me if I wanted to talk to one of their attorneys, then I gave her the case # and she said they were collecting for XXXX XXXX XXXX, payday online loan. Then she gave me the amount of {$2600.00}, and they were going to file in XXXX XXXX and that the judge would side with them. I hung up the phone and call the local authorities to see if they papers to serve and the dispatcher XXXX said no. I talk to 3 people at this XXXX XXXX, XXXX, XXXX and XXXX. They did not leave a name with the front person who answers the phone. I filed it with the Texas XXXX XXXX XXXX XXXX XXXX and XXXX  of South Carolina, both offices said to file it with the Federal Trade Commission. I called XXXX XXXX XXXX and talked to a Supervisor by the name of XXXX XXXX and told him what this collector was doing and that my next step was to get legal and report to the Federal Trade Commission. He said he would call back and to give them 48 hours and no one called. The debt collector is XXXX XXXX XXXX with the number of XXXX that a represent of XXXX XXXX XXXX  gave me. She said that they probably contract the company XXXX XXXX. They have violated a third party disclosure and tell both persons, XXXX and Receptionist the case #, phone # and telling them both they would file on me in XXXX XXXX. Mr. XXXX never called and I called him from XXXX XXXX   XXXX and he did not return my call. So I am assuming the know about the collecting ethics these people use. I will not have no one talk my business to a third party. The receptionist was very discreet, but it did embarrassed me. I did not know what to say.