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

I contacted Transunion regarding the recent Hard Credit Inquires that were placed on my account from the following Institutions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I need this inquires removed from my credit report since they are fraudulent and unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion, XXXX, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : DPT EDXXXX XXXX Balance Owed : {$3700.00} ; XXXX XXXX  XXXX Balance Owed : {$1200.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid both XXXX XXXX XXXX credit card and balances are XXXX. XXXX 

CREDIT INQUIRY BY XXXX AND XXXX XXXX XXXX AND SUCH INQUIRIES MUST BE DELETED PRIOR TO FILING FCRA LAWSUIT
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX Account # ending XXXX 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 an account without my written instructions.

15 U.S.C. 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: Debt collection

Debt Recovery Solutions LLC tried to collect a {$460.00} XXXX debt several years ago. This debt is attached to an address where I never resided and the debt is not mine. I do not and have never had a debt with XXXX. I do not have any outstanding debts for that matter. I have impeccable credit. I contacted DRS years ago to resolve this and was informed that the account would be closed. Now, years later, DRS has reported a tradeline to XXXX When I contacted DRS, I was told I had to provide my SS # and I refused, but the representative did read aloud the last 4 of the SS # on the fraudulent account- it is very clearly not my SS #. The representative still said he could not do anything since I was not willing to provide personally identifying information. I contacted the company via their compliance email on XXXX/XXXX/XXXX and received no response. I filed a complaint with the BBB on XXXX/XXXX/XXXX. DRS responded that they had completely closed down the file and removed the tradeline from my credit report. After several days, it was clear that this did not happen. I responded via the BBB. DRS responded again and said they have record that this did happen on XXXX/XXXX/XXXX. I provided proof that it did not and DRS said, on XXXX/XXXX/XXXX, that they would look into the matter immediately and send an expedited deletion request to XXXX for the tradeline. I spoke to a representative at XXXX on XXXX/XXXX/XXXX who informed me that no electronic transaction had been initiated in any way by DRS. I opened a formal dispute with XXXX. I also responded again via the BBB on XXXX/XXXX/XXXX to inform that there is still no evidence that DRS has requested the tradeline be removed nor shut down the file. DRS is no longer responding. It is COB on XXXX/XXXX/XXXX and still nothing has been resolved. The fraudulent tradeline is still on my credit report and XXXX is still reporting no movement from DRS.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXXXX/XX/year>
Product: Debt collection

Sent letter requesting verification to this company more than 6 months ago. Advised company this debt does not belong to me and to cease and desist reporting this negatively on my consumer finance reports and the companies continue to report the debt as negative on my reports.
Product: Credit card

The Virgin Red Rewards Mastercard awards users who spend in excess of {$5000.00} in a statement period XXXX Tier Points in the Virgin XXXX XXXX XXXX account, as well as a number of points ( depending on multipliers, etc. ) in the Virgin Red rewards scheme. In my XX/XX/XXXX statement, I spent in excess of {$5000.00}, received the Virgin Red rewards points owing, but have not received the XXXX Tier Points owed. Since this failure, my XX/XX/XXXX statement has posted, and points were correctly credited ( on XX/XX/XXXX ). I originally contacted Synchrony on/about XX/XX/XXXX via their website chat ( hence no transcript, PDF ) to raise the issue, and was referred to Virgin Red for rewards issues. The same say, I reached out to Virgin Red, who said to wait for next statement to see if it corrects. it did not. Upon re-contacting Virgin Red, I am referred to XXXX Atlantic, who, while the intended recipient of the Tier Points I am owed, is not a party to the Credit Card Rewards Terms binding my agreement. At no point as the issuer of the card ( Synchrony ) or the rewards partner ( Virgin Red Limited ) done anythign other than pass issues off to others, while continuing to collect valuable interchange revenue on my purchases. I'd like the rewards I am owed per the terms of the agreement I have abided.
Product: Student loan

After my federal school loans went into default, I was sold by a collection company on a " rehab '' program that would remove defaults and negative information. I was mislead severely, as GSMR had me in several " groups '' with multiple loans, and in one of those groups was a private loan. I had no idea this loan was n't included in my rehab and of course no one mentioned anything. Well 15 months later my private loan was charged off and I only found out because I was denied a mortgage. So I called gsmr and they are n't even reporting the positive payments to XXXX, they have so many redundancies in my credit reporting that it is sickening. They are destroying my life. I have disputed every account over the past 9 months and they fail to update the info and the CB 's do nothing. They wo n't even let me into a payment plan on the charged off loan, they said I ca n't consolidate my REHABED loans because one is subsidized and the other is n't. This is causing my installment balance to be twice the loan amount because of forbearance!!! I am pretty sure they are re-aging my debt as well on the private loan. They ca n't show me the payment that was last made.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  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: Payday loan, title loan, or personal loan

USAA has a glitch in their backoffice auto-payment system that caused one of my payments to be 30 days late. USAA will not take failure ownership. USAA has a glitch in their backoffice auto-payment system that caused one of my payments to be 30 days late. USAA will not take failure ownership. USAA will not PUBLICLY acknowledge that their system has a problem and has refused to correct the late payment credit reporting on my account.
Product: Debt collection

The early part of this year capital one cut off all my credit cards by falsely accusing me of frauding my own account. To this day, when i reach out to get a reason why they can't fully explain why all my accounts with them got shut down. When my account was initially shut down I tried to contact them to pay my cards. but they wouldn't let me do anything kept telling me to wait until i get a notice in the mail. This occured while i lived in XXXX, GA. I currently live in XXXX XXXX, AR. Last month I received a lawsuit to collect a debt. I don't think how they shut my accounts down was civil and they shut down 3 other accounts because I was off by less than XXXX dollars paying one of my credit card bills. There was an unexpected transaction that hit my account when they tried to take the money out. I set up auto pay so I wouldn't forget to pay my bill. Plus this all happened during covid.This has damaged my credit score. All I wanted was to pay towards my balance and get my cards back, my stance is if they can't reactivate my cards, then they should remove all the negative remarks off my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I have no knowledge of these hard inquiries I would like to have them removed immediately or I will file a complaint with the XXXX
Product: Bank account or service

I received a marketing email promoting XXXX Citi Thank you points for opening a citigold checking account. Terms state that I needed to complete two billpays in two month within 60 days and spend {$750.00} in debit card purchases. After initially funding the account with {$500.00}, I scheduled online bill payments that were not processed, causing a late payment to both my citi TY premier credit card and citi Aadvantage credit card for which I did not notice until receiving late payment notice via email about 3 weeks after account was opened. It was also at this time that I tried to log back online, only to discover, that the account had been blocked and that I needed the ATM card ( never received ) in order to regain online access. When I called citibank, was told that my account needed ID verification within 30 days of opening ( which I never received a request for ) and is now being processed to be closed and no atm card could be sent out to me. I attempted to stop by a local branch and the same thing was told to me. I had XXXX pre-existing citibank credit cards that are linked to the newly opened checking account, so I am not sure why citibank claims id verification is all of a sudden needed, for which I never did receive the request for. It seems to me that the marketing email was sent to me to get me to open the account, but citibank did not allow me the ability to complete the requirements of the terms in order to get the bonus points.
Product: Debt collection

I opened up a Loan with Sallie Mae in 2016 for the semester for an estimate of {$5000.00}. I had forgotten to check off the interest only option, which apparently I am obligated to pay 50-100 a  month whilst attending college. I tried to reason with Sallie Mae but with no luck. I have tried to explain that I can only make the payments AFTER I am done with college but refuse to help me and is threatening to put my account in default.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax, XXXX XXXX, And experience regarding falls/wrong information on my credit report/file there is wrong information such as my name wrong addresses and also there are multiple inquiries and accounts that each credit bureau can not verify and will not remove.
Product: Credit card or prepaid card

On XX/XX/2019 made a purchase through XXXX days later received an email that a portion of the order would be delayed. I then canceled the entire order and was refunded {$29.00} by XXXX but the card.com company placed a 30 day hold on the remaining balance of {$190.00} and change. On XX/XX/2019 I reached out to card.com and also contacted XXXX the rep from XXXX provided the card.com rep with all info even authorization code for release of funds {$190.00} to only have card.com rep tell me that it didnt matter because XXXX would come back and take funds even though I canceled order. I am in no position to have my money held up.
Product: Checking or savings account

Citizens Bank sends out advertisements to customers promising them {$600.00} account opening bonuses. 

The advertisements have unique codes that customers have to enter on citizens.com website. 

However, when customers enter the codes sent to them, Citizens bank gives them the following message Offer code below could not be verified.
Product: Checking or savings account

On Thursday XX/XX/XXXX my bank account was hacked. {$940.00} was taken. Chime is my online bank. I filed disputes only to get denied. I am not being given an explanation as to why. In doing some research I found out this has happened in the past with Chime. I just want my money back but don't feel I am getting the proper help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX pulled my credit report without my consent. 

The lender advised they would NOT make a hard inquiry onto my credit report. I advised XXXX  of this and they stated that even though the inquiry was made ILLEGALLY, they would not be removing the inquiry from my report. 

I contact XXXX  I contacted the creditor who pulled the report illegally and both refused to correct this. 

The report was pulled by : CIC Mortgage Credit In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX The original Organization is : XXXX XXXX XXXX XXXX
Product: Credit card

I got an email from XXXX on ( XX/XX/23 ) welcoming me. I initially thought it was just spam. Then I received a notification on my XXXX credit file about an inquiry from comenity XXXX Thankfully, I pay for a fraud service through XXXX. They assisted me in the cancelation of the application. However, I want to make a formal complaint.
Product: Money transfer, virtual currency, or money service

Hi, This is in reference to my previous complaint- XXXX-XXXX  raised with consumer bureau and for case number XXXX open with chase bank in USA to sent the checks for my amount {$6500.00} and {$900.00} which are with chase to my XXXX address shared within email with them, I have responded to their email from XX/XX/2021 and as per their suggestion I have shared the scanned copies of both the checks for respective amounts with affidavit documents in their format shared and have got the verification from XXXX court, XXXX , XXXX . 

I have ensured that the identity and address proof ( electricity bill ) is shared with them so that chase can send the two checks at my XXXX address shared with them as per my email response. Its been more than two years and multiple times I am following up, so request you to please share the concern and send the checks of respective amounts which was money from my account due with chase to my XXXX address. 

I have shared response on Saturday ( XXXX XX/XX/2021 ) to them by attaching all the proofs and documents requested as per suggested format. Please note every-time producing this document is very difficult with covid and costs me good money to be spend. 

MOST IMPORTANT- I would require the tracking number of the courier service once the checks are sent out since last two times there was no tracking number shared and it was difficult for me to know if the checks are sent to proper address and will reach to me in XXXX . Attached is the previous complaint details for reference. Thanks!
Product: Consumer Loan

We have had this auto loan with Chase Auto Finance since XXXX and have always made our monthly payments. In XXXX of 2015 our financial situation changed and we needed to sell the vehicle. We listed the vehicle on XXXX and found a buyer for the vehicle. The buyers wanted to wire the funds directly to Chase as the buyer was in another state. I contacted Chase for the official payoff amount ( which is what the buyer paid ) and to get the wire transfer information from them. I was notified by the buyer when the funds were delivered and then I called Chase to see if the loan was satisfied and the funds posted. It took a few business days for Chase to be able to tell me the loan was satisfied. When I was told by Chase the loan was satisfied and the vehicle was delivered with a bill of sale. I was then sent in the mail a lien release signed by Chase and notarized receiving it the next week along with a check for the overpayment. I did not hear anything from Chase until they called me three weeks later to tell me my last loan payment was not received 9 days ago. I told them I sold the vehicle and it was delivered after they told me the loan was satisfied. I also told them I had a lien release. They tell me the day after the lien release was completed the funds were reversed from the account so I am now responsible. They would not at first give me the information listed on the " check '' they say they received for the payment, but they finally did after arguing with the customer service person. Of course the buyer a dealer is not answering the phone. But why did Chase state the loan was satisfied before it was and if it was official, why did they allow the reversal of the payment? I feel and many others I have talked to feel that this is their responsibility. They release the lien and have not provided me with any written notice of anything different to date.
Product: Credit card or prepaid card

Claim # XXXX BofA edd prepaid card. I have filled Fraud claims 3 times back in XXXX. For no reason claims were denied within days of submission. In XX/XX/XXXX my claim was reopened and was told it takes 45 days. I called several times to check status was told it going to take longer the rep. Had escalated my case to a manager about. 2 weeks ago. Called today spoke to the claims rep at BofA he said the case has not been touched and noone answered to the escalation. XXXX the rep. Escalated the case again today and advised me to email you and seek your assistance. The rep reviewed my claim and saw that it is legitimate and the fraud charges that wiped my edd benefit is all documented and yet noone has done anything to fix it at BofA since XXXX. Please help me. Thank you. My email is XXXX. your assistance is greatly appreciated
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX XXXX says their is no prepayment penalty fee, but to make any additional payments ( above and beyond those normally scheduled ), they charge a {$50.00} fee to generate the payment document. 
They side-step the issue by saying that it's a sub-contractor ( identified only as XXXX ) charging the fee. Neither disclosure of this fee nor use of this contractor who charges the fee is anywhere in the application, disclosure, or truth in lending documents I was given.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE THE FOLLOWING INACCURATE INFORMATION FROM MY CREDIT FILE : INCORRECT PERSONAL INFORMATION : Address : XXXX XXXX XXXX XXXX XXXX ( XXXX & Equifax ) Address : XXXX XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX Address : XXXX XXXX XXXX ( Experian ) Address : XXXX XXXX XXXX XXXX ( Equifax ) The following items are reporting incorrect status. Please correct the following items : XXXX XXXX   XXXX  - Date Opened : XXXX ; XX/XX/XXXX ( XXXX  & Equifax ) ; Bal : {$340.00} LEAD BANK - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX  & Equifax ) ; Bal : {$0.00}
Product: Credit card

XX/XX/XXXX, I made a computer purchase but never received the items from Macy 's. I used my Macy 's American Express Card to make the purchases. I informed the company by phone and was told they would look into the issue. I never received any mail correspondence ; and thought the matter closed. Starting the XX/XX/XXXX, I started receiving calls from Macy 's collection department demanding payment. After speaking to several representatives in the credit and collection departments, I was told several times the matter had been resolved. I even spoke to representatives at XXXX XXXX. I tried numerous times to resolve the issue. I later found out that I must have requested only online correspondence ; thus the reason I had not received any mailed correspondence. I corrected that after speaking to another Macy 's supervisor credit department representative who told me the items had been returned back to Macy 's and that I owed nothing. Again, told by this department supervisor that my account would be resolved. However, even after that call with a Macy 's department supervisor in credit department, the calls from Macy 's collection department continues. I went on line and copy a letter ( see attachment ) from XXXX XXXX XXXX which states that I owed nothing and my account had been credited for the amount of the items I purchased back in XX/XX/XXXX ; the date of the credit was XXXX/XXXX/XXXX. I was instructed by a Macy 's credit department supervisor on how to access this letter. Supervisors I 've spoken to include : XXXX XXXX and XXXX ( XXXX number XXXX ) XXXX continue to get calls from Macy 's collection department which I now ignore ; the same number phone number is used. In addition, I changed my request for information regarding my account and now have my information mailed to me. In XXXX XXXX, I receive a copy of a bill which states I owe {$150.00} which includes the original amount of {$110.00}, fees ( {$37.00} ) and interest ( {$2.00} ). ( see attachment ) I am exhausted with talking to one department and being told that the matter is no longer an issue and the non-relenting collections department who is bent on getting money from me that I do n't owe. I 'm soliciting this agency 's help in stopping the harassment and eventual detriment Macy 's collection department will assess to my credit record.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my report I noticed an unauthorized inquiry on my report. 

I am DISTRESSED as a result of this report as it could hurt my ability to obtain credit. 

Credit reporting laws ensure that credit reporting agencies ONLY report 100 % accurate credit information. 

According to the Fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify, through the PHYSICAL verification of the original signed consumer contract, or an inquiry initiation confirmed through PHYSICAL Identity verification on ANY and ALL accounts that you post on a credit report. Otherwise ANYONE paying for your reporting services could fax, mail or email in a fraudulent account or initiate applications for credit by using stolen identity information. 

I demand that the following inquiry be removed IMMEDIATELY as it was not initiated by me and is not mine : XXXX  | XX/XX/2022