23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Citi bank received a {$10000.00} payment from me ONLY because I received funds to repair my home after hurricane Beryl and I had lost my purse and this credit card was the ONLY virtual credit card number I had to use. I paid this in good faith with the intention of using 100 % of it immediately. This is why on a recorded call I asked a supervisor which way in making a payment would this be made available IMMEDIATELY. They said that paying by debit card it would be made available immediately. Well, this never took place because a payment in the amount of {$500.00} I had paid almost 3 weeks prior was still being held by CITI. I paid it on XX/XX/XXXX and they did not release this to my available balance until XX/XX/XXXX because of this error I was unable to use my entire {$10000.00} I had just paid. 

What happened 48 hours after my payment of {$10000.00} Citi took it upon themselves to reduce my credit limit by 50 % all based on this payment that sat in their system as I waited for them to make my {$500.00} available that should have been available 3 weeks prior. I was also in a disaster program and all was documented. I immediately asked for a refund of my {$10000.00} and they refused to refund until I contacted your department. I also requested my credit limit be restored because it should NEVER have been dropped as this was NOT a payment that was to be paid to be kept! I explained all of this over a recorded call and CITI has performed with complete deception and has not ruined my credit even further. Had they never made the mistake of keeping my {$500.00} and not releasing it none of this would have ever happened! I need this corrected in good faith immediately or I will need to file bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America placed an invalid, unverified, fraudulent and illegal inquiry into my XXXX credit report without me authorizing their organization to view my credit history. This is a violation of Federal Law.

Bank of America is knowingly reporting false information to XXXX. This inquiry is NOT MINE, nor was it authorized by me, and Bank of America has failed to verify it. 

Their actions constitute fraud under both Federal and State Laws : -Violation of the Fair Credit Reporting Act -Defamation of Character I am disputing this inquiry, through both the CFPB and the XXXX. 

I've asked for verification. They failed to supply verification. 

This inquiry is negatively affecting my credit report and score due to this company 's false reporting. I contacted Bank of America and they have NO proof I initiated such an inquiry, nor written authorization. They have FAILED TO PROVIDE ANY PERMISSIBLE PURPOSE. 

Since they do not have my authorization, written nor verbal, I demand that they DELETE this unauthorized and illegal inquiry from my credit report immediately as there is NO EVIDENCE OF ANY AUTHORIZATION, NOR ANY PERMISSIBLE PURPOSE. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction THAT IS INITIATED BY THE CONSUMER.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) PROMPTLY DELETE The following inquiry is unauthorized : Made by : Bank of America Made on : XXXX Made with : XXXX  The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand that this unauthorized inquiry be removed immediately.
Product: Debt collection

To Whom it May Concern ; This letter is being sent to you in response to the account furnished in my Report. When asked, your office replied that the dispute regarding the validity of the debt is not raised within the prescribed time period therefore, the same is furnished in your Report. According to 15 USC 1692a. ( 5 ) The term " debt '' means any obligation or alleged the obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services that are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. Further according to 15 USC 1692g. ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer 2 9 n Therefore, I would like to inform you that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability. I further request you to kindly remove this alleged debt from my Report and compensate me for my mental as well as financial distress Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau 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 is the Inquiry that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/2020
Product: Debt collection

In 2018, I had a hospital bill for {$3000.00} from XXXX XXXX XXXX in XXXX, XXXX for a test that was done. I was not informed of the cost before the test and was only thinking it might be $ 500- {$1000.00}. Had I been informed of the cost, I would not have had the test done. After the first two bills from the hospital, I started making small payments. But suddenly a few months after the test, I received a notice from Collection Associates. 

A few months later, I got a new job in XXXX. The calls from debt collector were relentless and I blocked their numbers on my phone. Then they started calling my work number. I asked them in writing to stop calling at work and only communicate in writing. I had not heard any more for a while. Then suddenly today, my mom told me she had a voice mail that I was supposed to call a certain number. When I looked up the number, it was the cell phone number that was registered to one of the names associated with Collection Associates. I had already told them to contact me only in writing so this is why I am reporting them and sending a cease and desist letter today.
Product: Student loan

I was notified that I qualified for student loan forgiveness. My Department of Education account reflects no loans on file. The three credit bureaus also show these accounts as closed and inactive. Aidvantage sent me a notice saying my student loans were coming due. I told them that wasn't true and offered to provide documentation. They stated that I still had loans. If the holder of the loans- the Department of Education- says there are no more loans, then there are no more loans.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, 2024 Subject : Dispute of Unauthorized Hard Inquiries on My Credit Report To Whom It May Concern, I am writing to formally dispute the presence of multiple hard inquiries on my credit report that I believe to be inaccurate and unauthorized. These inquiries are negatively impacting my credit score, and I request that they be promptly removed from my credit report.

I demand that these unauthorized hard inquiries be removed from my credit report within three ( 3 ) business days from the date of this letter. Failure to do so will result in further action to ensure the accuracy of my credit report. 

Thank you for your prompt attention to this matter. I look forward to the swift resolution of this dispute. 

Sincerely,
Product: Credit reporting or other personal consumer reports

ACCORDING TO XXXX XXXX XXXX - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Company is misrepresenting the amount owe and reporting inaccurate information on my credit report. See attached document.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, Mine must be an unusual complaint of clerical human error, yet evidently, I need your assistance and authority to command a solution. 
I habitually check Discover Card 's XXXX score when paying my bill on their mobile app. In XXXX, I saw a XXXX pt drop in score. The issue was an inexplicable change in " Reported Credit History '' - from 17 years in XXXX, to the XXXX report, stating a mere 3 year history. ( screenshots attached ) Discover states the info came from XXXX XXXX, but my credit report from XXXX shows my XXXXXXXX XXXX account was opened in XXXX. ( Screenshot attached ). Discover was made aware in XXXX & in XXXX, during many calls. On XX/XX/XXXX, XXXX XXXX ( supervisor ) was still awaiting word from superiors. 
To check, I recently signed in to the XXXX app, which also showed a shortened credit history, even though the credit report XXXX mailed to me also showed the XXXX XXXX. opened in XXXX. XXXX gave an Escalation # XXXX on XX/XX/XXXX. 
Discover & partners reflect XXXX XXXX calculated @ XXXX. My XXXX XXXX & their XXXX app, both reflecting a XXXX yr history, show a score of XXXX Excellent. Quite a discrepancy! 
Neither Discover, XXXX, or XXXX claims responsibility, nor the ability to correct their records on this odd occurrence. 
I have attached photographic screenshot evidence to prove my standing in these unresolved formal disputes. 
... 
I cant help but suppose the actions of XXXX or other reporting agencies may use this ruse to promote their marketing attempt to push their ( paid ) subscriptions to their " XXXX XXXX '' programs. 
Meanwhile, time is of the essence, as I need to arrange financing for the Reverse Mortgage of my deceased father. 
Also, I recently applied for XXXX XXXX  's XXXX XXXX XXXX, and was approved at an a very high interest rate. XXXX reportedly use XXXX for credit checks. 
Resolution : I plea to have the accurate Length of Credit History corrected on my file @ Discover Card ( et al. ), XXXX XXXX, My XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, and especially the XXXX XXXX, including their mobile app.
Product: Vehicle loan or lease

XX/XX/XXXX I had a XXXX and resigned from my previous job. I called and told them I would be late on my payment. I had a temp job and was able to pay my minimum balance. They came and took the vehicle. And sold the car to car hop across the street. And told me to pay the amount for XXXX dollars to get my car back which they sold and now they sticking me with the remainder of the car. Laws aren't build for us it used to help people like them crooks. Messed my life up
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Inaccurate Accounts & Inquiries your companies are reporting on my credit report. I am leaning towards filing a law suit and a police report against your companies Equifax, XXXX , & XXXX. These companies has violated several laws within The Fair Credit Act. I have attached the appropriate letters below. I am not a credit repair company. 
Remove the inaccurate accounts and send me a new copy of my credit report with the inaccurate accounts and inquiries removed. 
The following inquiries were not authorized by me, please delete them. I have never given my permission for any company to inquire about my credit status any inquiries made or unauthorized. The presence of these inquiries on my credit report constitutes inaccurate information which under The Fair Credit Reporting Act must be removed. The companies are listed in the letter below. Once your investigation is complete, please send me an updated copy of my credit report. I would appreciate the name, address, and phone number of the companies who inquired about my credit so that i may follow up. I have received a letter claiming that i owe debt to the companies listed in the letter below. Since this is an error and the accounts are listed inaccurately by your companies, I request that you send me the following proof that you are obligated to do in accordance with The Debt Collection Practices Act section 1692 ( g ) A. The original Application or contract. B. Any and all statements allegedly related to this debt. C. Any and all signed receipts. D. Any and all cancelled checks. Under the law you have 30 days to supply this proof, in addition do not contact me again by phone. From now on we will communicate through mail. 

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

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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

I have checked my credit reports ( XXXX, TransUnion and XXXX ) and I have noticed that the account with XXXX XXXX closed in XX/XX/XXXX and last paid date on XX/XX/XXXX continues being reported on my credit history. It should not be longer in my credit reports.
Product: Debt collection

To whom it may concern, This morning ( XX/XX/18 ) I received a call from the Diversified Adjustment ( Collection Agency for XXXX ) regarding an outstanding balance I owe. The call was received at XXXX XXXX   ( EST ). The rep I spoke with was rude and wouldn't listen to my attempt at explaining that my cell phone was returned via the XXXX Label provided by XXXX and that tracking information was not available through XXXX because the package was never logged or picked up by them after I dropped the device off at a local XXXX Drop Box. Ultimately, I advised I was not going to pay their agency and ended the call as the agent repeatedly spoke over me and would not listen. 

Later in the day I received a 2nd call from " XXXX '' at XXXX XXXX attempting to collect the debt once again. To my knowledge this is a violation of the FDCPA, hence my reporting of this issue. I did not have the name of the agent from earlier in the morning and " XXXX '' would only disclose that her initials were " XXXX XXXX ''. Upon notifying " XXXX '' that I had already spoken with someone I advised the same that I was disputing the balance. I advised " XXXX '' that I would not be paying in the near future as I am going to explore my options to further dispute the debt owed and " XXXX '' ended the call without notice ( hung up ).
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with CFPB findings against Navy federal for similar practices. Where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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/XXXX
Product: Debt collection

They are attempting to collect a debt from someone i dont know that may have had my number previously. After numerous encounters and repeatedly asking them to stop calling me, they continue to do so.
Product: Mortgage

Citi Mortgage added {$57000.00} to my original home loan of {$110000.00} which now totals {$170000.00}. 
The home was on the market from XX/XX/XXXX when I XXXX till XX/XX/XXXX when I XXXX. We found out the house did n't sell, came back and lived in the house for a year with nothing showing up on the credit report nor did we get any bills, the credit reported paid as agrees with nothing negative at all. One day Citi Mortgage called and said we had to do a modification to keep the house for {$57000.00}. 
I have wrote letters and have recorded conversations with Citi asking for the information of how I owe this money once I was forced to do the modification or get evicted. I knew something was wrong when my first payments where only {$10.00} for the first 3 months. XXXX now has my loan and has no clue the original loan is only {$110000.00} but they paid CitiMortgage {$170000.00}. 
I have been trying to resolve this situation and with no results. I want to purchase a new home but Citi Mortgage has noted my VA loan as {$170000.00} which should only be {$110000.00} and VA nor XXXX has a clue Citi Mortgage has done this. 
I would love to sue Citi Mortgage for false representation or just flat out fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

I XXXX XXXX never gave XXXX or Equifax any written consent to report anything on my consumer report. No consent is Identity Theft.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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: Checking or savings account

Access to my checking account funds have been frozen. 
No valid explanation given as to why the funds were frozen. 
Yes, I did make 3 transactions hours apart at the same store. But, since XXXX is the only store within 30 miles in any direction, that is not unusual. 
There is not a Bank of America ATM within 100 miles of this location. 
Fees can be as high as 20 % for using another bank 's ATM. 

There was no communication about the freeze sent. 
Bank of America said they do not have a complaints department nor a way to record complaints.
Product: Bank account or service

Whenever I put my money in my bank, it seems the money gets recorded as next day 's transactions ; It does not matter whether transaction is cash or check or mixed items. I keep getting filed overdrafted because of this. This should not be happening. I also get charged monthly fee every time because of this.
Product: Debt or credit management

On or about XX/XX/year> I submitted several disputes however PNC Bank continues to harass me by sending me multiple duplicate copies of the same documents requiring the specific information. And to this day theyve done absolutely nothing on their part to investigate these claims
Product: Credit reporting, credit repair services, or other personal consumer reports

On my background checks there is an address listed as mybown that I have never lived at. It is an old address from my ex-husband and I didnt even now him when he lived there. I would like it removed from my personal info. It is listed as XXXX XXXX XXXX, XXXX PA XXXX.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
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

I have call XXXX, XXXX and XXXX to let them know I was pair of they error in there system the representative told me I was not part of the error the representative from XXXX  hung up the phone in my face they remove the inquires off but they put them back on I am also have been a victim of identify where I had a fraud alert on my credit to state that and the representative didnt seem to care