23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I have contacted citi through the number XXXX four times regarding a {$1000.00} XXXX transfer from citi acct. I entered the right recipient 's email address and name for a transaction on XX/XX/XXXX. I received a confirmation email after the transfer. The confirmation email shows the right recipient 's email that begins with 'XXXX ', but the recipient 's name is not my friend 's name. At first I thought that's unauthorized. So I contacted the bank right away. On the second day after discussion with my friend, i believe it may be a system glitch. So I contacted the citi again on XX/XX/XXXX to get it confirmed. I asked citi representative during the call what email she saw on her end. She told me an email that began with 's '. This confirmed my guess that there was a system glitch involved. I told her I entered the email beginning with 'XXXX ' and my confirmation email could support my saying. so she added the notes for the investigation. However, the citi declined my dispute on XX/XX/XXXX without looking into the notes ( declined by reason 'transaction authorized by user ' ). So I contacted the citi the 3rd time on XX/XX/XXXX. The representative opened another dispute for me. I asked him how i could submit my evidence showing I put the right info. He told me they don't have a way to receive it but suggested I could try to go to citi branch to fax. I faxed my evidence on XX/XX/XXXX. Yesterday ( XX/XX/XXXX ), I received a mail from citi which declined my dispute again by the reason 'typo may be made by user '. As I have the proof showing that I didn't make the typo when entering the recipient 's email, I contacted the citi the 4th time today on XX/XX/XXXX. A lady took my call and through the conversation, she ignored me many times without replying me. She was even not clear or trying to get clear about what happened. When I asked her what we could do, she hang up my call. I never thought the citi bank could treat the clients like this. They don't care about the evidence, and even treat the client 's call rude. 
To summarize the above, I entered the right recipients email XXXX and I have the confirmation from citi to support this. However, the citi database shows the transaction was going to another email XXXX. Citi ignored my faxed evidence and passed the buck to me saying the user might make the typo which I didn't. To make the situation worse, Citis representative refused to communicate and hang up my call when I called in to dispute.
Product: Bank account or service

I been banking with wells Fargo bank for over a year.And my Attorney deposit a large amount of money in my account.My bank is try hold my check up.And i call wells fargo and told them my money suppose to draw interest 2 days after my attorney put the check in my account on friday the XXXX of XXXX.And XXXX the Supervisor said it dont drawing interest until the hold come off on the XXXX of XXXX and XXXX not true.And my lawyer bank verified the check for wells Fargo.I dont want to bank with them tgey are trying to steal some of my money and tgey are stealing from me when they told me my money dont draw interest until the XXXX when the hold comes off which is not true.They said the put the hold because of overdraft and i dont use check at all, i had to change my account number 2 times and wells Fargo said no one will go in my account and they lie.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with this fair credit reporting act XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 or other personal consumer reports

I was viewing my XXXX Report and discovered hard inquiries that I did not authorize. Some of them also appeared on Eqiufax, and XXXX. XXXX would not allow me to dispute them, and to make matters worst : I saw a due date on these hard inquiries. Meaning, they have the authority to continue pulling your credit as many times as they choose until their expiration date is complete, and continuing to bring your credit score down without your knowledge. 
This is horrifying.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2100.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$270000.00}, and XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$1100.00}.
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 XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX Account NumberXXXX  Account Name : XXXX 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

I have a filed a complaint against The Equifax and XXXX previously but since my complaint they have let the XXXX XXXX XXXX XXXX XXXX XXXX XXXX the same loan again as a new loan and its dropped my score XXXX XXXX XXXX  Theyve removed the old account showing that they've previously reported the same loan under a different account number. They just reported it as new a month ago and closed that and reported it again. I have been fixing my credit and my score was up in the high XXXX 's its now XXXX on Equifax. Someone has to be able to stop them from letting the XXXX XXXX XXXX XXXX from doing this. The information they're reporting is a lie. The loan is XXXX XXXX XXXX. Its not a new loan. This is wrong. Someone need to stop the XXXX XXXX XXXX XXXX from doing this. Or Equifax and XXXX needs to stop letting them do this. Enough is enough
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Im writing due to American Express refusing to update my account balance to {$0.00}. I paid the account off in XX/XX/2023. I also spoke with American Express representative who have send me a email saying my account balance is {$0.00}. They are saying theres a block, which is preventing them from reporting it. This is not true per all 3 credit bureaus. When I try to dispute it through all 3 credit bureaus American Express is saying that the account balance and history is current and its not. Ive mailed in all supporting documents including my account statement from them showing the {$0.00} balance but they are still refusing to update it. Ive been asking since XXXX and have not gotten anywhere. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Portfolio Recovery - XXXX XXXX I was never late on the payoff account listed above please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account if you can not supply this please delete this alleged late payment from my credit report. 
This is an invalid late payment The FCR a allows 30 days for this to be rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not sure I have the exact dates above. Recently after the loss of my older sister I have come on very hard times financially. I have tried several sources for loans however I am at a low credit score and high DTI. But I have come across help from a totally different lender who may be able to help. The only roadblock I've run into is this loan with First National Bank which I was late for the first time even last month, ( XXXX ). Now they have it marked as 30 days late and the lender I was speaking with told me he needed 12 months with no latenesses, I called FNB to see if they could reverse that and was told no. I have another payment coming up which will then make it probably 60 days late. I have been waiting for my Property Tax Rebate that was due XX/XX/XXXX, and it still isn't here. This " 30 days late '' is now causing me to be unable to get the equity I need to pay off these bills to get back on track. There are banks who will reverse this but this one claims not to and puts me in an even worse position. I had advised them all along I would be late since XXXX and was never late previously. I need this loan desperately. My sister and I always helped each other out and now I have no one. I am trying to do everything I can to resolve and keep running into this ridiculous red tape. This is completely unfair. I have had to come to you for help previously and only once did you go in my favor when XXXX XXXX was XXXX. I'm smothering all because of this and I at least contacted all my creditors. I requested a call back from a XXXX for today, XX/XX/XXXX, but no call so far today.
Product: Credit reporting or other personal consumer reports

Greetings, Per the FCRA, as a federally protected consumer, I am opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, or non-verbal per 15 usc 6802.

My consent was never given according to : Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

All inquiries should be removed from my report as well due to the aforementioned 15 U.S.C. 1681.

All student loan history reported is in violation of the Family and Educational Privacy Act of 1974 and MUST BE REMOVED immediately. 

Various accounts have been charged off by creditors. Charged off accounts are considered certificates of indebtedness in which I am awaiting 1099-Cs qualifying as income. As we know income cant be reported on a consumer credit report. In conjunction, according to 15 U.S. Code 1681c : ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

Aside from these glaring infringements, you will also notice virtually each account noted between XXXX, Transunion, and XXXX either arent noted among all three, have varying origination dates, and/or inaccurate balance information. Each of these are in opposition with US 15 1681g ( a ) ; Congress requires disclosure that is both clearly and accurately made. The associated report proves consumer information is neither and should be removed immediately.

In addition I am seeking damages for each month transaction history according to : 15 U.S. Code 1681n - Civil liability for willful noncompliance In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or XXXX = XXXX history notations @ a sum of {$520000.00} XXXX = XXXX notations @ a sum of {$720000.00} Transunion = XXXX notations @ a sum of {$400000.00} All addresses should be removed as non-mailable with the exception of my XXXX XXXX XXXX 


All aforementioned violations are in accordance with the Privacy Act of 1974. Your speedy response, remedy, and restitution is greatly appreciated. 


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

EXPERIAN MUST NOW CEASE AND DESIST REORTING ANY AND ALL CREDIT INFO FOR CREDIT FURNISHERS ALL OTHERS AS STATED IN THE : F.C.R.A. 15 USC 1681A ( g ). ( see XXXX letter )
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX, I opened up new checking and savings accounts with Chase Bank after moving to California. On XX/XX/XXXX, I went in person to cash a check with a teller from XXXX, XXXX for a security deposit refund for {$2000.00}. On the same day, I also deposited XXXX smaller checks from XXXX XXXX XXXX for {$980.00} and {$490.00} via mobile deposit for insurance refunds. I also did a direct transfer of {$500.00} from an external bank ( Truist ) from my own personal account into the Chase account. Chase Bank locked my account shortly after these transactions, as the businesses " could not be verified '' as legitimate business through their verification system. I spoke with Chase customer support on the phone numerous times in an attempt to help verify these businesses, none of which helped get the funds released. These businesses were unable to put stop orders on their checks, as Chase Bank already cashed the checks. Furthermore, the businesses themselves are unable to assist in verifying their legitimacy, as they can not contact anyone from Chase 's verification system directly.

The first executive complaint was placed through one of these customer service phone calls with one of the representatives. I went in person to a Chase branch on XX/XX/XXXX, at which point separate complaints were filed and escalated to the executive level. Nothing has come of these complaints. It has been one year almost to the day. I visited another Chase branch today ( XX/XX/XXXX ), during which another complaint was filed and escalated. They at some point in this past year shut down my Chase account and have been holding these funds, including the personal transfer ( {$3900.00} total ), in a separate DDA account since that time. I am unable to access my money and no successful attempts to help me retrieve the money have been made.
Product: Debt collection

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Transunion Credit Bureau is reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 


XXXX XXXX XXXX
Product: Debt collection

Date : XX/XX/2020 Amount : {$630.00} I have sent two disputes and this company has been negligent, not specifically not giving me what I am specifically requesting.
Product: Credit reporting or other personal consumer reports

As a federally consumer protected under the Fair Credit Reporting Act ( FCRA ), I am formally exercising my right to opt out of any and all authorizations, whether expressed in writing, verbally, or otherwise, as provided for by 15 USC 6802 under 16 CFR Part 313.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a collection balance on a XXXX XXXX loan for {$9200.00}. XXXX agreed to settle my remaining balance for one payment of {$2000.00}. I am attaching a copy of the settlement arrangement to this complaint. I paid the {$2000.00}. I am also attaching a copy of the XXXX XXXX money transfer. Despite paying the settlement arrangement, as agreed, XXXX XXXX refuses to update my credit report appropriately. Its been nearly 4 months since the settlement arrangement was made and funded, and they are still reporting to XXXX, Experian, and XXXX XXXX that I owe them {$9900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive mailed out a few disputes and the company failed to properly investigate my issues. There are many accounts reporting incomplete, inaccurate, or is in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my credit report, I saw an outrageous amount of accounts under my name that name that are not mine. Please delete these items from my reports.
Product: Vehicle loan or lease

In XXXX the car I purchased from this company 1 year ago began having mechanical problems. I took it to a repair shop and attempted to use the extended warranty to cover the repairs. The warranty company denied coverage so I was now liable for almost $ XXXX of repairs. About two weeks before my XXXX payment was due I reached out to Bridgecrest to ask that XXXX payment be moved to the end of my loan due to the exorbitant amount the repairs were costing me. I also had to push back several other bills to try and get this paid. Bridgecrest initially told me to borrow the money from a family member. After requesting a Sup I was told I would HAVE to wait until the payment was late before I could request this. So XX/XX/XXXX, 1 day after due date, I called in to submit the request. Two days later I called to check the status of said request and was told it was denied. No reason given as to why but the rep proceeded to tell me once again to borrow it from my spouse or a family member. If it was that easy I would have and Im not married so to assume and/or say this type of stuff is problematic at best. Once again I spoke to a sup who then had me resubmit the request. Today I called to check the status and once again told it was denied. This time the rep told me they would never approve that request especially since Im not 20-30 days delinquent. Then she offered a payment plan for me to pay almost {$200.00} additional per month for the rest of the year to catch up that payment. Ive already advised them that paying extra to catch it up is not feasible due to the significant amount I had to pay to even get it fixed. Bridgecrest is not only unwilling to approve this simple request so that I can continue my on time payment history with them with the upcoming XXXX payment but they are basically forcing me to be late and rack up late fees as well as negative marks on my credit report. Thats not right when Im already trying to get back on track after my divorce and bankruptcy. I pay this high interest car note because of that. Im trying to make sure my payment history stays good so I can continue to rebuild my credit after bankruptcy not have it messed up again.
Product: Student loan

Navient has been servicing my loans for the past several years. Due to the unfair capitalization of interest that had already been credited from processed payments, I refinanced my loan through another servicer. The loan balance was paid in full on XX/XX/XXXX. I received the usual email from Navient on XX/XX/XXXX which indicated that another payment would be taken from my account on XX/XX/XXXX. I signed into my account to see what they were showing due, and the balance was {$0.00}. XX/XX/XXXX a draft came through my bank account from Navient, even though the principal balance is XXXX.
Product: Credit reporting or other personal consumer reports

The unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus but I never received a response from it. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX : {$9200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has a collection XXXX XXXX XXXX, I attempted To dispute this and they refuse to remove this from my credit report. I do not owe the credit company and have no idea why they are on my credit report. Experian has refused to remove this inaccurate information from my credit report and should be done immediately.