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

I am a natural person. 
I am a living human being. 
I have rights under 15 USC 1681.

Transunion is govern by 15 USC 1681. 
And they violated my rights several times. 

I demand the inquiries listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Transunion written permission to furnish these inquiries. 

Inquiries : XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX
Product: Checking or savings account

I was suppose to receive my unemployment from Pennsylvania months ago. I have been going threw XXXX just to receive my funds from them after the unemployment office released my funds. They have all my information Including my up to date address and email. Since covid me and my family have been struggling and trying to not be evicted, I have almost XXXX dollars in my account for the relia card company, and they will not release my card or my funds. And I sent all my verification over 3 times. Please help me receive what is due to me.
Product: Credit card

In early XX/XX/XXXX, my mother and I received a letter from Citibank indicating that they would close my checking account and all related Citibank credit cards. I went to my local branch and spoke to the local branch manager regarding this surprise issue. She said it was due to my excessive deposit ( of {$6000.00} in 2 days. XX/XX/XXXX XXXX, see attached supporting document ) I was planning to take my vacation to XXXX and want to have extra cash on hand while I was abroad. The branch XXXX said she could not not give me any more reasons but I would have to write a letter to request the specific reason for closing my account. 

In the following weeks, I received XXXX more letters ( all of my other Citibank credit cardsXXXX Costco XXXX Home Depot Commercial card, Macy ) all had been closed without any specific reasons. 
Even Citis bank support phone was not able to give me the answer and they asked me to write a letter to the Citi Bank service support unit. It has been over 30 days and I have not received or hear back any valid response from Citi Bank. I feel this could be a misunderstanding by the Citis security A.I. protocol detecting a potential fraud. Ive been a great customer with Citi bank for over 10 years, maintaining a good balance ( about $ XXXX XXXX ) monthly and without any NSF XXXX any late payment nor bounced check in the past 10 years! Citi gave us the run around, instructed me to call the customer service, the the phone rep, they have no info, I've to write a actual letter. and nearly 50 days later, they replied, still without any valid reason why they chose to close our account and simply claim they donot practice any type XXXX discrimination. 

But It is now known for a fact that Citi Bank, under the new CEO, have officially made unfair discriminatory actions pertaining to extending credit against several certain XXXX history, based on their last names. 

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 


" The CFPB found that Citi purposefully discriminated against applicants of XXXX descent, primarily based on the spelling of their last name, said CFPB XXXX XXXX XXXX " Citibank has been found guilty and fined {$24.00} in penalty for their XXXX discrimination policy against several races- including XXXX, and XXXX last name. 
We feel that because our last names end in XXXX and XXXX respectively, we are part of such unfair discriminatory policies actively practiced by Citbank as well. We urged CFPB to further investigate other XXXX discrimination practice for class action lawsuit that are still being actively implemented in the company at all levels. 

This unfair closure of all my credit card accounts is causing significant disruption to my daily lives. My mother is a XXXX XXXX XXXX retiree, who needs to shop for low cost gas and groceries and home depot repairs regularly.
Product: Credit reporting, credit repair services, or other personal consumer reports

A dispute letter was mailed on XX/XX/2020 in regards inaccuracies of the inquiries and the collection account from XXXX XXXX. I did not receive any letter indicating that the information was accurately reported and verified. I sent a 30 day demand letter on XX/XX/2020 informing EXPERIAN that I had not received any correspondence in 30 days and that the reported inquiries and collection account from XXXX XXXX need to be deleted.
Product: Bank account or service

My checking account with PNC Bank had a low balance which decreased monthly due to the {$12.00} fee that was assessed each month. I went online to check the status and to make an online deposit/transfer on Monday XXXX/XXXX/2016. I did not see the account when I logged in. 
I called the XXXX # ( XXXX ). A representative by the name of XXXX XXXX ( interesting name ) advised me at XXXX EST on Monday XXXX/XXXX/2016 that the account had been closed and charged off. I asked if I should have received some communication before such a drastic step was taken. I was told that I would have received a letter or would be receiving a letter. I advised that I did not receive a letter and would not need one after the account was closed. I asked when does my account say a letter was sent. He replied that he does not show one was sent. He then offered to transfer me to a specialist to discuss my situation and I was transferred to a recorded message that said " your call can not be completed at this time, please try your call later ''.
Product: Debt collection

We opened an XXXX XXXX credit card through XXXX XXXX in order to purchase a couch for {$1000.00} as the promotion at that time would save us roughly {$200.00} for taking the card. We bought the couch, paid the amount in full with one payment, and immediately canceled the card. The account number ends in XXXX and you can verify there will be no further history of purchases. 

Last year I received a letter from XXXX XXXX XXXX stating I owed some money but the letterhead did not appear to match the company logos correctly, nor did the phone number on the letter match any information I had for XXXX XXXX credit. I called my numbers for XXXX XXXX credit, they said I had nothing open with them, and that the letter was spam. I called my phone number for XXXX for their credit department just to be sure, they told me that I had no open account with an outstanding balance in the letter was spam. 

Yesterday in the mail I received a letter stating I have been sent to collections. The amount being collected was {$350.00}. I will attach a photo of this letter. Because it says XXXX XXXX I called my local branch manager XXXX, told her that on the letter there was an account number ending in XXXX, she looked that up and confirmed an amount for {$350.00} being owed. She later explained these charges to be a {$35.00} a month fee for owning the credit card, plus late fees, and plus interest. She says there is no evidence of our request to cancel the card which we made immediately after sending the one time for payment to cover the couch. 

I look forward to your correspondence and will answer any questions you have. Thank you for your help and your time.
Product: Credit reporting or other personal consumer reports

I am reaching out to request your assistance with an issue on my credit report. The challenges brought on by the XXXX XXXX XXXX caused significant personal and financial difficulties for me, which have unfortunately impacted my credit history. 
During the height of the pandemic, I XXXX  XXXX and XXXX XXXX XXXX XXXX that left me unable to manage my financial responsibilities for an extended period. 
As I understand, the CARES Act, which amended the Fair Credit Reporting Act ( FCRA ), provides accommodations for consumers affected by XXXX. These accommodations include relief for those impacted between XX/XX/year>, and 120 days after the end of the XXXX national emergency. 
During this period, my vehicle was totaled, and the responsibility for the associated loan was transferred to my expartner as part of our separation agreement. Unfortunately, there was a delay in the insurance payout for the vehicle, and the loan servicer did not communicate this to the credit bureaus. Although the loan was ultimately paid off by the insurance company, the lack of communication during the process resulted in late payment entries on my credit report. 

XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My PayPal account can not be linked to the bank and withdraw cash. I have contacted the customer service staff " XXXX  '' many times. The attitude is extremely bad, and I ended my call directly. So far, the account problem has not been resolved.
Product: Credit reporting or other personal consumer reports

Since the data breach of 2017 by Equifax I have consistently had credit accounts on my report that arent mine and incorrect personal information change on my credit report. Additionally my data is being used and sold on the dark web. I have not been able to obtain any credit fairly and it hinders employment and travel. Please eliminate all accounts on all three reports.
Product: Debt collection

I cancelled my contract with XXXX because my husband took himself off of our contract without telling me. I was being charged his monthly portion for six months even though he had the same number through them and still had an account they would n't move the debt for his phone he had n't paid off over that was XXXX and add the cancellation fees to it and the past two payments not made because I could n't afford it i was n't working. XXXX refused to work with me at all, but set me up with creditors to hassle me and call me all hours of the day all day to get their supposed money i owed them. They have branded my credit report.
Product: Vehicle loan or lease

I am writing to formally request your assistance in addressing a credit reporting issue involving Toyota Financial Services and my car loan during the COVID-19 pandemic.

During the government-mandated shutdowns caused by COVID-19, my businessa source of incomewas completely shut down and unable to operate. In light of this unprecedented situation, I proactively reached out to Toyota Financial Services to explain my financial hardship caused by the natural disaster and proposed a resolution. 

I offered to pay the total price of the car, excluding the interest, and requested that Toyota Financial Services take back the car and close the account. They agreed to my proposal, accepted the payment, and repossessed the car. However, despite fulfilling this agreement, they subsequently reported the account as a foreclosure, which has negatively impacted my credit score.

This foreclosure report is unjustified because : 1. The financial hardship was caused by a government-mandated shutdown during a natural disaster.

2. Toyota Financial Services agreed to the proposed resolution, which included payment in full of the original loan amount ( excluding interest ) and repossession of the car.

3. The terms of the agreement were fully satisfied, and the foreclosure reporting is inaccurate and unfair under the circumstances.

Thank you for your time and attention to this matter. I am happy to provide additional documentation or details as needed to support this request.
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. 


Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 seven 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 reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$31000.00}, {$2700.00}, {$620.00}, {$150.00}, {$13000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$620.00} -This is not my account. 

-- COLLECTION ACCOUNTS 4. XXXX  XXXX XXXX XXXX ACCT # XXXX opened on XX/XX/XXXX with a balance of {$150.00} -This is not my account. 

5.XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
Product: Checking or savings account

DEAR CHEXSYSTEMS ; XXXX XXXX XXXX XXXX ; Sir/Madam, see attachments. I am writing to formally lodge a complaint against ChexSystems concerning an inaccurate report on my checking account history, which has caused significant issues for me. I have experienced considerable difficulty resolving this matter despite multiple attempts. 

Complaint Summary : Inaccurate Information : ChexSystems is reporting that I have a charge-off balance of {$1400.00} on a checking account opened with XXXX XXXX XXXX XXXX XXXX XXXX ) that was allegedly closed in XX/XX/year>. This information is incorrect. I never opened such an account, nor do I have any knowledge of this charge-off. 

Attempts to Resolve : Dispute Requests : I have submitted several dispute requests to both ChexSystems and XXXX regarding this erroneous information. Despite these efforts, I have not received any satisfactory resolution or response from either party. 
Account Opening Issue : I became aware of this issue when I attempted to open a deposit account with XXXX in XXXX. During this process, XXXX informed me that they could not open a new account due to an unresolved charge-off from XXXX in my name. This inaccurate report has prevented me from establishing new banking relationships and has raised concerns about the security of my personal information. 
Concerns : XXXX XXXX XXXX : Given the timing of this issue, I am concerned that my personal information might have been compromised during the COVID-19 pandemic. The inaccurate reporting of a charge-off could indicate potential identity theft or fraud. 
Lack of Resolution : Despite my multiple attempts to rectify this issue through disputes, I have not received any resolutions or confirmations that the incorrect information has been addressed or removed from my report.
Product: Credit reporting or other personal consumer reports

Information on my credit report that was not authorized. My information has been part of a data breach and also has been found on the dog web. I have asked Transunion to remove a few inquiries and so far nothing has been removed!
Product: Credit reporting or other personal consumer reports

Misuses of my personal information and my personal accounts and being deceptive and untruthful in a consumer credit transaction, see 15 USC 1611 15 U.S. Code 1611 - Criminal liability for willful and knowing violation U.S. Code : Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. 
( Pub. L. 90321, title I, 112, May 29, 1968, 82 Stat. 151 ; Pub. L. 111203, title X, 1100A ( 2 ), July 21, 2010, 124 Stat. 210XXXX. )
Product: Credit reporting, credit repair services, or other personal consumer reports

my credit report shows a debt in collections from a XXXX. A payday loan that i never applied for, nor recieved any money from. This is a known payday loan scam ( tribal ). The amount is for {$800.00} and shows as a negative collection on all of my credit reports. I have contacted the original debtor, whom offered no assistance, unless i gave them my privite social security number to look up the original loan details, which i refused to provide. XXXX telephone agent could not look up any details of loan and instructed me to reply with inquiry to the following email. 

XXXX upon investigating, i have. discovered that this is a known company & scam. Please accept my report/claim, and assist me in getting this fruadulent loan removed from my credit reports. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Credit Department I am writing in regard to the account with your company, which is associated with the following information : Account XXXX Your Name : XXXX XXXX Please note that I am not disputing the debt in question. I am simply requesting the following details for my records : XXXX. Date of First Delinquency The first date that the account became delinquent. 
XXXX. Date of Last Payment The most recent payment made on the account. 
XXXX. Date of XXXX The date the account was charged off. 
XXXX. A copy of the XXXX showing the charge off information I kindly ask that you provide this information as soon as possible. Please feel free to contact me at [ your phone number ] or [ your email address ] if you require any additional information to process my request. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX has violated my rights 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 reporting, credit repair services, or other personal consumer reports

I had applied for a loan from XXXX and already paid the amount through the customer service. Now i see a negative credit remark on my credit score from this collection Agency called " XXXX XXXX XXXX  '' and an amount due which has already been paid long time ago. I had been harassed with calls. I tried to dispute before and i did it but the calls and the bad remark on my credit has not been removed yet. The amount was paid and i also tried to apply for a new loan from XXXX  but was denied. Then the collection calls from XXXX started
Product: Vehicle loan or lease

Obtained loan thru Kia finance XX/XX/2022. Car was totalled XX/XX/2022 insurance company paid all of balance except for approximately XXXX on XX/XX/2022. On XX/XX/2022 the balance was paid in full loan was closed. As of XX/XX/2022 Kia has yet to update my credit file. My credit file has not been updated at all showing any payments or closing since XX/XX/ XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights, under the 15 USC 1681 section 6o2 states I have the right to privacy .15 USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions .Under 15 USCS 1666B, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized access to my credit report, which I believe is in violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Specifically, I have discovered that my credit report was accessed by XXXX XXXXXXXX XXXX XXXXXXXX without my authorization, or any permissible purpose as defined under the FCRA XXXX According to the FCRA, a consumer report can only be furnished for specific permissible purposes, such as credit transactions, employment, insurance underwriting, or other legitimate business needs. I did not initiate any transactions, applications, or business relationship with XXXX XXXXXXXX XXXXk XXXX, nor did I provide written consent for my credit report to be accessed.
Product: Debt collection

Tenant fraudulently had solar panels install by securing financing from XXXX XXXX XXXX  who in turn sold debt to XXXX XXXX. Tenant never made payments and when collection was initiated, XXXX, XXXX XXXX XXXXXXXX ( debt collectors ), initiated collection process to collect from me. Note ; I was not aware of any of this taking place until I received the collection notice from the collector in the amount of {$37000.00}. As I had already sent an affidavit of Fraud/Forgery to XXXX XXXX XXXX  and was under the impression this matter had been resolved. 

In the original loan documents you, can see where my signature was electronically signed and the tenant used her personal email to receive all communications related to this transaction/loan. 

At no point and time was this approved by me as I was not aware of this transaction and I would not have approved such an expense. 

I filed a police report against the tenant for identify theft and will pursue this to the fullest extent of the law.
Product: Credit card

two months ago I open two Bank of America credit cards by mistake. I open one extra one. The idea was just to open one as soon as I figure it out then I called Bank of America and the agent told me in a recorder line that she was 100 % sure that closing one of the credit cards whiting 30 days of opening will not damage my credit score, now I find out that it went down XXXX points on my credit score