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

On the morning of XXXX I awoke to a XXXX XXXX notification that there was a new inquiry on my credit report. Confused, I opened it up before the fog left my eyes. It was logged that a XXXX XXXX had put an inquiry on my credit report. Rather panicked, I looked up what XXXX XXXX is & I gathered its a XXXX issued by a XXXX XXXX  in XXXX. I have zero ties with XXXX, XXXX XXXX or XXXX, for that matter. After requesting more information from TransUnion it shows that the information entered on the inquiry is vague & outdated. In fact, the address connected to my TransUnion is outdated, but the address on this inquiry dates back to when I was living with my grandparents, roughly when I was XXXX. I contacted this XXXX XXXX customer support around XXXX CST on XXXX to discuss the issue, but the lady seemed rather confused with my problemShe began asking for an application number, which I was unable to provide as I had never applied. She pointed me in the direction of TransUnion, but I called pretty late in the morning, so the wait time was rather long & I had to prepare for work. So I called again this morning ( XXXX ) & was redirected to the FTC, which redirected me here ( CFPB ). 

Bottom line : -I never authorized XXXX XXXX to access my credit report. 
-The information for this XXXX XXXX is outdated as the XXXX listed are incorrect. 
-I would, at this moment in time & the foreseeable future, NEVER apply for a credit card that has annual fees as I am the sole provider to my wife & XXXX kids ; as well as merely months ago I had a XXXX  XXXX  on my XXXX  ( XXXX XXXX  ) & only now am I barely recovering financially from the down time of the operation & regaining financial cushion. 

The inquiry has come from an unknown source, not by me. Please help get this fixed as soon as possible I am the one with the good credit score in my marriage & my family relies on that score for the future. I have never had a late payment, or done anything that may affect my credit negatively.
Product: Credit card

. I am writing to formally address several concerns regarding my Best Buy Citi Card account for the second time, which have not been adequately resolved despite previous attempts to seek clarification. 

1. **Account Closure Without Proper Explanation : ** I received notification that my Best Buy Citi Card account has been closed. This action was taken without any prior warning or explanation provided. I have been a responsible cardholder and have diligently maintained my account in good standing. The abrupt closure of my account has caused significant inconvenience and confusion. 

2. **Unexplained Fees : ** I have recently noticed several charges on my account statement labeled as Interest charges for XXXX purchases. I have not used this card in months but have been charged over XXXX worth of interest charges in the last 5 months. These fees have been applied without any accompanying explanation or breakdown as to their nature or justification. I request a detailed clarification regarding these charges. 

3. **Handling of Dispute Regarding XXXX XXXX XXXX  Transaction : ** I filed a dispute previously concerning a charge from XXXX XXXX XXXX. This charge was supposed to be covered under an insurance claim and should not have been billed to my account. Despite providing supporting documentation, Best Buy Citi Card investigated and denied my dispute, withholding the provisional credit associated with the transaction. This action was unjustified and adversely affected my access to funds. 

4. **Allegations of Retaliation and Discrimination : ** I am concerned that the closure of my account and the mishandling of my dispute may be retaliatory in nature, stemming from a prior complaint I filed with the Consumer Financial Protection Bureau ( CFPB ). I assert that such actions violate my rights under consumer protection laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), Equal Credit Opportunity Act ( ECOA ), and Truth in Lending Act ( TILA ). 

In light of the above concerns, I hereby request the following actions : - A detailed written explanation regarding the closure of my Best Buy Citi Card account. 
- A comprehensive breakdown and justification for the fees charged to my account. 
- Immediate resolution of the dispute regarding the XXXXXXXX XXXX XXXX  transaction, including the release of any withheld provisional credit. 

I trust that Best Buy Citi Card will handle this matter promptly and in accordance with applicable laws and regulations. Please provide a written response addressing the points raised within 30 days of receipt of this letter. 

Should this matter not be resolved satisfactorily, I reserve the right to pursue further action through the appropriate channels, including but not limited to legal remedies and additional complaints to regulatory authorities. 

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

I am writing to dispute a late payment reported on my account from key bank for the month of XXXX through XX/XX/XXXX. 
The reported account I had opened with XXXX bank with my mortgage account in XXXX. Then XXXX Sold their branch to XXXX XXXX bank in XXXX and transferred my mortgage and bank account to XXXX XXXX Bank XXXX XXXX XXXX XXXX NY XXXX. In XXXX, XXXX XXXX XXXX converted to Key Bank and my account was transferred to Key Bank ( XXXX XXXX XXXX, NY ). 
Then after some time Key Bank branch at XXXX XXXX NY closed and they transfer my mortgage account to XXXX XXXX XXXX bank in XXXX XXXX, NY ). My checking account transferred as showing recorded to XXXX branch. 
In XX/XX/XXXX, I received a call from KEY BANK that I have dues that is : XXXX USD and I noticed when I pulled out credit history, that they have reported a 4-month XXXX through XX/XX/XXXX late payment. 
I paid that amount to avoid any late payment then I called key bank to ask what kind of dues they had reported. I had no activity with this account for many years and my balance was XXXX. 
Then the representative explained to me over the phone that they charged me for returned undelivered mail fees. 
How can they charge me for undelivered mail when Key bank had NEVER made any agreement with me and I also have no agreement with XXXX or XXXX XXXX WHERE THEY STATED that they would charge me for undelivered mail? That is why the XXXX XXXX bank never charged me fees while I was living out of country from XX/XX/XXXX to XXXX. 
Please kindly remove any late payment reported from my credit history. I dont have any fault. I never made late payment with any one in my credit history in the past 17 Years. 

Please kindly review my case and remove late payment report. 
I will be very thankful to you. 


SUMMERY : CAN BANK CHARGE ANY FEES WITHOUT ANY AGREEMENT WITH CONSUMER? 
THIS ACCOUNT NEVER OPEN WITH KEY BANK IT WAS TRANSFERRED FROMY OTHER BANK THAT NEVER CHARGED ME ANY FEES FOR RETURNED MAIL WHILE I WAS OUT OF COUNTRY.WHY KEY BANK CHARGED ME RETURNED MAIL FEES WITHOUT INFORMED AND AGREEMENT?
Product: Checking or savings account

I would like to make a complaint against Chime bank who has frozen my account since XX/XX/XXXX. 
On XXXX XXXX I received an email from Chime stating that if I did not submit two forms of ID, social security card, driver 's license and proof of address, my account would be suspended due to suspicious activity, that being transferring money into my account. 

I am a US citizen that has recently returned here after living in XXXX for some years. The alleged suspicious activity was for me to transfer money from my account in XXXX to my account here. When I opened the account the customer service rep confirmed it was ok for me to do that and even suggested the company I could use ; XXXX I went ahead and took that advice and have been transferring my savings into my account here. 

Having already submitted most of the documents when I opened the account along with requesting documents through email rather than my online account, I thought the email might be a scam, so I contacted the bank to check. They confirmed for me that the request would have come from support at chime.com, and that otherwise it was a scam and dont answer it. The email I received did not come from support at chime.com and as a result, I did not submit any of my documents. 

Five days later, I went to the grocery store to find my card did not work. I also later attempted to make an online purchase and my card was declined. I called the bank over several days and was unable to connect using my phone. I even sent several emails with no response. Eventually I managed to get through on my computer, and was told that my account had in fact been suspended. It was confirmed that I was requested to submit documents to them so they could unlock my account. I did this straight away and was told it would take 24 to 48 hours to re-activate my account. 

48 hours later my account was still frozen so I contacted them again using my computer. They told me that my documents had not been submitted and that the enquiry had been closed. I was then required to resend those documents which I did immediately. I waited on the line until the customer service rep confirmed they had received them. Again, I was told 24 to 48 hours later my account would be re-activated. 

Another 3 days later, my account is still frozen. I again called customer service using XXXX and was told they could not help me and did not have any contact details for anyone who could help me. The representative told me she could escalate my case and thats all she could do and I would just have to wait for a response. The rep told me that XXXX bank in South Dakota was the one that suspended my account. I contacted XXXX who confirmed that I do not have an account with them so they can not help me. They did forward my complaint on to Chime also, but another 24 hours later I still have not heard from Chime and my account is still frozen. 

So, as it stands now, I have been unable to access my money, purchase food or gas for the last 9 days and have been unable to speak to anyone who could actually give me an answer as to when I will be able to access my account.
Product: Debt collection

Professional debt Mediat is trying to collect a debt in the amount of {$9900.00} that is claimed to be owed by me from a previous residence during the covid-19 pandemic. During that time late fees were waived and tenants were given the options to move out and be released from their rental contract without penalties. On XX/XX/scrub>XXXX XXXX XXXX my information was sold to this company and they constantly calls me harassing me to pay. There was no debt when I moved out. I was also protected under the pandemic housing protection in the state of Florida during the pandemic and this debt is a result of late fees and charges I am not aware of. This has becoming very difficult for me moving forward has it sits on my credit and I am not able to rent any property due to this information.
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 15 USC 1681. 

XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 reporting, credit repair services, or other personal consumer reports

This account is with the Lending Club. I paid on it for three years no problems no lates, excellent history account was paid in full in XX/XX/2021 and they recently updated my credit report to show account is closed versus paid on full which has a negative impact to the credit score my score in fact went down versus app because the account is showing closed when it was in fact a healthy paid in full account and Im not getting the credit that I deserve in the reporting of such a great history!! I dont think that its fair that a company can show an account as closed when it has in fact been paid in fulland on time because that has a negative algorithm when the calculations of credit scores gets re-generated by the credit bureaus. I think that CFPB needs to step in and make sure that these companies are reporting the account status as paid in full and not closed because it is an installment account not revolving which impacts your score differently!!
Product: Credit reporting or other personal consumer reports

This complaint has been submitted to the CFPB in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting that TransUnion, as a credit reporting agency, block the fraudulent information on my consumer credit report within four business days of receiving this complaint. The false and inaccurate information includes a credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX, under account number ( private ), an auto loan account at XXXX XXXX XXXX opened on XX/XX/XXXX, under account number ( private ), and an auto loan account at XXXX XXXX XXXX , opened on XX/XX/XXXX, under account number ( private ) .These accounts have resulted in multiple fraudulent hard inquiries and collections appearing on my credit report. I have attached a list of the disputed hard inquiries as well as a copy of the consumer FICO credit report showing the fraudulent items. I do not recognize these accounts, collections, or inquiries. They were not opened or authorized by me. All of the mentioned accounts, collections, and inquiries are due to identity theft and fraud. To support my claim, I have included a copy of FTC Identity Theft Criminal Complaint # XXXX, confirming that these accounts, collections, and inquiries are fraudulent.
Product: Debt collection

I have disputed this DCI collections account for XXXX XXXX with all 3 CRA 'S multiple times both XXXX & XXXX have both deleted this account because its not mine and data furnished cant provide proper documentaion, it appears to be a blending of files with address or someone of similar name it was initially reported on my Credit reports XX/XX/XXXX XXXX XXXX then reinserted XX/XX/XXXX by DCI collections. I did not live at this address XX/XX/XXXX. XXXX has no record of the XXXX XXXX on my credit file XX/XX/XXXX, however XXXX XXXX does have a record and shows it on past reports, there not a offical CRA they just report what there given by the CRAS. I spoke to XXXX XXXX they confirm this was on my credit account info & lacked alot of information also the XXXX XXXX open date is different from DCI collection open date its possibly been re aged as well. I've spoke to XXXX they can not find this debt with my Soc Sec number or date of birth. I've disputed twice with XXXX it keeps coming back accurate and verified however XXXX & XXXX could not verify debt and have deleted..
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to my rights under federal debt collection laws, and under provisions of Public Laws 95-109 and 99-361, also known as the Fair Debt Collection Practices Act, Experian is reporting UNVALIDATED information, which is an obvious violation pursuant to 15 USC 1681a ( fair and accurate credit reporting is essential in maintaining the efficiency of the banking system and consumer confidence ). Their unfair credit reporting methods has caused irreversible harm in my ability to obtain credit by dramatically reducing my credit score and continuing to list the XXXX XXXX XXXX collection account on my profile. I've written Experian on XX/XX/2021, to dispute their reporting of this alleged debt and to start an investigation, but they only updated the Portfolio account as " disputed '' and provided no explanation or competent VALIDATION evidence ( pursuant to 15 USC 1692g ) within the required 30 days that'll justify the collection account being listed on my credit profile. The alleged debt was originally removed from my credit report on XX/XX/2021, by Experian and then relisted on my credit report XX/XX/2021, as a new account. I sent a letter to XXXX XXXX XXXX on XX/XX/2021, requesting information and documents to show VALIDATION of the alleged debt but they didn't provide the requested proof within the required 30 days, making their claim nullified and void. I also requested Experian remove an inquiry from XXXX XXXX XXXX which is a fraudulent inquiry not requested by me. They haven't responded or provided a status update regarding this request yet.
Product: Checking or savings account

It appears BOA has closed my account ( s ) which were recently opened, I attempted to sign in today, XXXX, an error message stated my info was not recognized, an attempt to sign in made via mobile app and was given the number, XXXX to call ... I called and no reps were available, no hours of operation were left.. I suspect BOA closed my accounts due to past relationship, I had several past accounts with BOA, last one closed in 2009 I believe.. Since I was not able to speak with any rep ( s ) to confirm this, I can only suspect they elected to close account due to past history.. If that is the case, I will need a check for remaining funds in account, a total of {$5.00}
Product: Debt collection

Company left message threatening federal actions and disclosed information about a debt illegally on a voicemail
Product: Debt collection

XXXX XXXX bought a debt from a company that I supposed to have owed on my credit they saying that they are the original debtor that can't provide me with anything that I signed with them so it's falsely being reported on my credit and they need to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some late payments posted on my credit report : DEPT OF EDUCATION/XXXX  ACCOUNT # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 


Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations. 
Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Mortgage

This is a follow up to case # XXXX. Due to a serious medical hardship we have fallen behind on our mortgage, exhausted most of our saving and our credit rating is severely damaged. We have been able to secure a reverse mortgage to save our home however the loan does not cover the balance due. We are able to bring approximately {$10000.00} in cash to closing so that the reverse mortgage and cash covers the principle balance, even this is difficult for us. We have asked Bank of America to write down the accrued interest and penalties so that we can save our home. They say that this will not fit within their investor guidelines and their only options are a short sale, deed in lieu or loan modification. In the XXXX XXXX cases we would lose our home and in the XXXX case there is no guarantee that we would qualify or be able to afford the payments. We have a short time to take advantage of the reverse mortgage and pursuit of a modification risks losing this opportunity. BofA says they want to help people stay in their homes but they are unwilling to help us. It seems that since we have equity in our home they would rather take it away from us through foreclosure, short sale or deed in lieu. We do n't know if there are government programs that assist older people like us who do n't have time to recover income, savings and credit ratings or go out and get a new job. The reverse mortgage is our only hope. We feel like we are being discriminated against because none of the solutions offered help older people like us who have equity in their home but fell behind due to a temporary hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account with Toyota on XX/XX/2019 via certified mail. In the dispute I called out under the provisions of FCRA 623 ( a ) ( 8 ) ( D ) - stating that the accuracy of the information that Toyota is reporting is inaccurate and does not align across all the 3 credit bureaus. I asked for an investigation and asked for EVIDENTIARY DOCUMENTATION that substantiates the information they are reporting to the credit bureaus on my file. 

dated XX/XX/2019 I received a response from Toyota stating that the account was being reported correctly. clearly not even looking at the documents and proof that I have submitted with the dispute. Nor did they provide me with the documentation I requested showing that the info being reported in accurate or any documentation bearing my signature there are still multiple discrepancies being reported differently across the 3 credit bureaus ; including date account opened, date of 1st delinquency, date of last payment, repossession reporting and multiple late reportings that I have mentioned in the previous dispute. attached is the copy of my credit reports to prove again. 

This is my last goodwill attempt to have this matter cleared up by Toyota. The item being reported is entirely inaccurate and incomplete and represents a serious matter in the way this company is reporting.

I am formally requesting again, ALL EVIDENTIARY DOCUMENTATION that proves what you are reporting on my credit file.

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the FCRA, along with corresponding local state laws. I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.