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

On XX/XX/ I had an appointment in branch with M & T bank. I decided not to proceed with opening an account and cancelled the appointment. To my surprise, M & T bank ran a inquiry on my XXXX report on XX/XX/ without my permission
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is not complying with their own policies in a timely manner. I mailed a letter with the date of XX/XX/2021 outlining all incorrect information regarding several accounts on my credit report. Then I followed up with another letter to the credit bureaus that has the date XX/XX/2021. Theres still no final resolution or response regarding the incorrect information that is on my credit report from the credit bureaus. Also another letter was marked XX/XX/2021 to remove inaccurate credit information and I havent received any response regarding the letter marked XX/XX/2021. I see multiple FCRA violations and misleading false information thats being reported from several accounts. Also TransUnion and XXXX is sharing false information that is being reported on my credit report. This information is false and also a violation of my character and my credit.
Product: Debt collection

I sold a XXXX XXXX on XXXX on XX/XX/2021. Order number XXXX. There was a claim filed by the user who stated they didn't receive the item on XX/XX/2021. A case was opened on XX/XX/XXXX by me and closed the same date. Case id number XXXX. I appealed the decision on XX/XX/2021 and the appeal was closed by XXXX. XXXX refunded the user and charged me with a debt of {$800.00}. They have banned my account and I have tried to appeal the decision showing them proof of messages I have had with the user and the address the supposed user wanted me to mail the item to. Now I am receiving calls daily multiple times a day from CBE Companies debt collection agency. It hasn't shown in my credit report and I haven't received anything in writing by the company. I want to dispute this debt because I was scammed by a XXXX user to send my item to the wrong address and XXXX is holding me accountable instead of the scammer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Trans Union have all been intentionally collecting and giving out my private information of my private consumer credit without my consent which violates the California Consumer Privacy Act ( CCPA ). Much of this information has been negative and reported falsely, all of which is intentional. I have sent communication to XXXX, XXXX, and Trans Union in the past with no success as they did not remove the negative information which in turn restricted me from accessing my own consumer credit. These numerous reports have negatively affected my credit scores which inhibited/restricted me from moving freely and accessing my consumer credit. This describes adverse actions committed against me which also violates the Truth in Lending Act ( TILA ).
Product: Money transfer, virtual currency, or money service

This complaint is a follow up to complaint number XXXX. 
As requested, XXXX XXXX from Citibank 's executive response called to discuss Citibank 's mishandling of its cashier checks. XXXX XXXX was polite and attentive while ( understandably ) careful not to acknowledge wrongdoing on the bank 's part. At the end of the conversation, we agreed that the complaint could be closed with no further action required. 

The matter should have ended there. However, instead of being closed, the complaint ( # XXXX ) was marked as a DUPLICATE in contradiction of the XXXX ' 2016 definition ( 5.4.4 ) ... a complaint " that does not describe or include any new issue, instance, or information ''. 

The only purpose -- that I can discern -- for designating the complaint as a duplicate is its removal from the CFPB 's database. Since one of the goals of the Dodd-Frank act was to hold financial institutions accountable, removal of pertinent consumer complaints clearly subverts the interests of Congress and consumers. 

The complaint is copied below to put it back in the record. 

COMPLAINT NUMBER XXXX This is a follow up to complaint XXXX in which Citibank failed to address any of my questions. They simply repeated previously supplied information. It appears that Citibank 's policy is ignore questions unless a new CFPB complaint is filed, which I'm happy to do until the situation is resolved. I have repeatedly requested to be allowed to discuss the issues with a supervising manager -- specifically to understand why Citibank created an unnecessary five month delay to supplying me with the information needed to recover {$10000.00} in cashier checks, and whether it is Citibank 's policy to have employees lie to their customers. The process was filled with broken commitments and lies ... and Citibank 's response regarding XXXX XXXX 's deliberately misleading information in which he adamantly denied that Citibank did not have the necessary information ( they did ), and that, even if Citibank had these records, they would not give it to me ( which was also not true ) was ... " please be assured that your experience ( with XXXX XXXX ) has been brought to the attention of management '' -- is wholly deficient considering the repeated hollow assurances from Citibank documented in my previous complaint. Although I finally received the necessary information, it took five months, numerous unanswered emails and and two CFPB complaints. I will continue filing complaints until I've had the opportunity to talk to a bank official about this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. 
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Debt collection

I was agreement pay completed amounts and they will deleted from my credit bureaus, this company Harassment by a debt collector says debt collectors can't be deleted and threats of violence speak or reporting information to a credit reporting company harm my credit
Product: Mortgage

This is my second complaint to 5/3 regarding my mortgage. I have experienced nothing but incompetence bordering on negligence. I have follwed the process 3 times over the past 7 months for cancelling my PMI and consistenty am met with no response. I have submitted the form to have a XXXX XXXX XXXX  on three occasions, have recieved email confirmation of the submission, and heard no response. When speaking to representatives in that department, I was told they never recieved any documentation and there was nothing they could do. The following is a timeline of my correspondence with 5/3, for which I have records. ( EH refers to XXXX ; EP  refers to XXXX ) * XX/XX/XXXX XXXX : Me to EP - Sent first email request to cancel PMI based on LTV ratio * XX/XX/XXXX XXXX : EP to Me - Received automated confirmation receipt of email * XX/XX/XXXX : 5/3 to Me - Received denial letter outlining next step options * XX/XX/XXXX XXXX : Me to EH - Emailed XXXX  authorization form following instructions on the denial letter ( first attempt ) * HEARD NOTHING FROM 5/3 for 2 months * XX/XX/XXXX XXXX : Me to EH - Sent follow-up email asking for status * XX/XX/XXXX XXXX : EH to Me - Received automated confirmation receipt of email * XX/XX/XXXX XXXX : Me to EP - Sent second email request to cancel PMI based on information received from two seperate customer service reps who told me my LTV ratio was under 80 %, I was specifically told 79.4 % * XX/XX/XXXX XXXX : EP to Me - Received automated confirmation receipt of email * XX/XX/XXXX : 5/3 to Me - Recieved denail letter outlining next step options * XX/XX/XXXX XXXX : Me to EP - Sent third email request to cancel PMI explaining what was provided by customer service reps * XX/XX/XXXX XXXX : EP to Me - Received automated confirmation receipt of email * XX/XX/XXXX XXXX : EH to Me - Received secure message email explaining that denial is based on principal plus deferral balance * XX/XX/XXXX XXXX : Me to EH - Emailed second XXXX  authorization form ( second attempt ) * XX/XX/XXXX XXXX : EH to Me - Received automated confirmation receipt of email * HEARD NOTHING FROM XXXX for 4 months * XX/XX/XXXX XXXX : Me to EH & EP - Emailed XXXX  authorization form ( third attempt ) * XX/XX/XXXX XXXX : EH & EP to Me - Received automated confirmation receipt of email
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX accounts -XXXX XXXXXXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX -XXXX XXXX  acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXXXXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX -XXXX XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX -XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I 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: Student loan

I was contacted by Premiere Student Loan on XX/XX/2018 & started a forgiveness plan with them. They told me my student loans would be lowered to {$2400.00}, but I had to pay them 6 monthly payments of {$190.00} and then it would drop to $ XXXX/month and I could not pay more than this.

I tried reaching out with questions regarding my student loans & interest & spoke with a FSA representative & they informed me that I was paying $ XXXX/month for their services that I wasnt actually received & that my student loans still reflected {$10000.00} plus interest.

I was later notified by the Bureau of Financial & Consumer Protection that there was a lawsuit against Premiere Student Loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I made a full payment on my car loan. Although I am making the payments later than the due date, I did not go past the 30 day period that would lead to a negative remark placed on my credit report. The XX/XX/XXXX payment was due by XX/XX/XXXX according to the customer service rep I spoke to regarding this issue and the Billing statement that I receive monthly. The payment was made on the XXXX but posted XX/XX/XXXX which is shown on the billing statement from XX/XX/2019 and was considered to be late. However, my payment confirmation and transaction history from Chrysler Capital shows that the payment was made on XX/XX/2019, and I still received a negative remark on my credit report. I believe this remark is a error due to the fact the payment was made before going beyond 30 days or payment deadline. I was also told that the payment may have posted later due to the XXXX holiday, which is still not my fault as a customer. I spoke with XXXX from Chrysler capital on XX/XX/2019 and she stated that she would leave notes on the account explaining my concern and advised me to dispute the negative remark as soon as possible.
Product: Credit card or prepaid card

They promised to provide, {$300.00} credit statement after purchase, when I called them they said you are not eligible. Amex makes false promises and they don't have the courtesy to inform on the same, there was no communication on why I was not eligible and what happened. This is a fraud they do to their customers beware of these scammers. Amex you are the worst.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

I am filing this complaint regarding inaccurate items on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with TransUnion, it remains unresolved. I am requesting immediate investigation and removal of these items, as it is incorrect and does not reflect my my true credit history.

I requested that TransUnion look into and verify these collection accounts. They sent me a letter back saying it was verfied but did not provide me any of the proof of their verification methods ( such as who they spoke with, whether the debt was mine, amount, etc )
Product: Credit reporting or other personal consumer reports

( SEE ATTACHMENTS ) ... .Consumer Reporting Agencies ( TransUnion LLC XXXX XXXX. XXXX ) are unlawfully reporting inaccurate information and non-public personal information that is not only hindering my ability to extend my credit for personal, family, and household needs, but it has also caused mental anguish, defamation of character, and my overall ability to operate in commerce. I believe the consumer reporting agencies have not been meeting their reasonable procedures in a manner that is fair and equitable. I, XXXX : XXXX XXXX am an XXXX XXXX XXXX XXXX XXXX. I am the living beneficiary, executor, attorney-in-fact for the person/estate/cestui que trust XXXX XXXX. Pursuant to 15 USC 1681a ( 2 ) ( section 603 of the Fair Credit Reporting Act ) " report containing information solely as to transactions or experiences between the consumer and the person making the report '' and " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Per 15 USC 1602 ( i ) the definition of the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. My social security card was the device/credit card used to obtain money, property, labor, or services on credit. Additionally the organizations/companies/financial institutions reporting these inaccuracies violated my privacy by disclosing my non-public personal information to non-affiliated third parties without giving me the full 'opt out " disclosures. This is a violation of 15 USC 6801 and 15 USC 6802. Furthermore, I filed a UCC-11 Search regarding any debts, liens owed to me the consumer ( I have attached a certified copy ) and there are no debts or liens placed on the consumer. This has led me to believe that companies and consumer reporting agencies are conspiring against me and attempting to extortionate me the consumer to collect or attempt to collect any extension of credit which is a violation of 18 USC 894.
Product: Credit reporting

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; This is not my NAME : XXXX XXXX please removed XXXX XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX XXXX XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX XXXX XXXX acc # {>= $1,000,000} XXXX acc # XXXX XXXX XXXX XXXX acc # XXXX XXXX acc # XXXX this is not my name : NAME : XXXX XXXX please removed XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX LL # XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

GAGE 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: Bank account or service

On Wednesday, XXXX XXXX, I checked my bank balance on my phone through the bank 's app. I saw a balance of {$200.00}. After seeing this, I proceeded to make purchases on my debit card. The following day I received an email notifying me of an NSF fee that had been deducted from my account. I checked my account online only to realize that our balance had been $ XXXX when I checked it on the app. ( There may have been parentheses around my balance which were the only indication that the account was overdrawn on the app. This did not register with me as a negative balance. ) By this time, there were XXXX {$35.00} NSF fees. I called my local branch and was informed that I would need to speak to the branch manager but that she was in a meeting. It was suggested that I either call back the following day or contact a toll free customer care number. I immediately called customer care, and had XXXX of the fees removed but was then informed there were XXXX more being added for a total of XXXX. The customer care rep informed me she could only do a courtesy credit of XXXX fee per year. We have tried to negotiate these fees with the branch manager since then, but she does not seem able to help us though she continues to try. We were not aware that when we opened our account we had allegedly agreed to " overdraft protection '' which was why our debit card was not declined at any point after we were overdrawn. We do not regularly run our account down to XXXX. A purchase made over a month ago, came through very late and unexpectedly. We were always under the impression that in the unlikely occurrence that we were ever out of funds, our card would merely be declined. Since this happened I have opted out of this " protection '' regarding my debit/ATM transactions.
Product: Mortgage

Received a letter from Quicken Loans in XXXX of XXXX that we were approved for a FHA loan and for the house we were renting. The owner was selling after our lease was up in XXXX. The broker XXXX XXXX with Quicken Loans strung us along and 2 weeks before our lease was up we could n't get a hold of XXXX XXXX and his boss called us one week later and told us we do n't qualify. Companies like Quicken Loans if suppose to notify applicants within 30 days if loan will be given we were n't notified within that time period. Because if Quicken Loans we had to pack up our home put our belongings in storage and live in a hotel until we found a home to rent. Quicken Loans left us homeless and as a woman XXXX XXXX XXXX and not well off this affected my health.
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 Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name XXXX 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

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported this issue to XXXX several times over two years. Provide all documents necessary to remove this charge. The account showed closed in XXXX, but in XXXX XXXX XXXX account reflects open until today. I have contacted XXXX XXXX multiple times, XXXX has provided documentation of a " XXXX '' balance, and those documents were submitted to XXXX. However, they have not removed the charge from the account. Also, The amount is still increasing and hurting my credit score ; I need this to be removed and resolved promptly. The amount in dispute is $ XXXXdocuments attached from XXXX XXXX XXXX financial Page. They also showed the account in collection, removed it, and reopened it.