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

I am behind on my loan at Security Finance. I am not 30 days behind and plan on paying the installment when I receive my next paycheck. The company decided to do a hard inquiry on my credit for some reason. They said it was because they wanted to see if I was eligible to redo my loan. I did not want to redo my loan. I only want to pay it off in the time allotted by my loan agreement that I already have. In short. They did a hard inquiry on my credit without my permission. I am trying to improve my credit but, of course, they knocked my score down with a hard inquiry. 

Security Finance, XXXX XXXX
Product: Credit reporting or other personal consumer reports

ARS refuses to send me my credit report, and show proof of a security freeze I asked them to place on my report. They never did, even though they told me via CFPB portal they would on XX/XX/24. ARS has been withholding my report for over a year now. Their first excuse was that they couldnt verify my identity. Now that Im verified, they still refuse to send my report to me. See attached.
Product: Credit card or prepaid card

Wells Fargo Bank closed my secured credit card on XX/XX/2020. I received a letter a week later stating they had closed my account based on thier desicion even though I have an excellent payment history, on this letter they did not provide information on the collateral monies held by them which belong to me are {$500.00} dollars, the balance on the account at the time they closed the account was {$470.00}. Wells Fargo closed the account reporting the incorrect balance owed stating I owe them {$570.00} instead of applying my deposit and the payment they had already had in thier possesion and reporting the correct balance which is XXXX!! Wells Fargo owes me {$29.00} I do not owe them any monies as they are reporting incorrect information. I called them and spoke to thier executive offices and was told they they didnt have any information to provide me and would get back to me and never did.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

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

in accordance with the Fair Credit Reporting act XXXXXXXX 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: Credit card or prepaid card

I received an on-line promotional offer from Synchrony Bank on XX/XX/2021. The promotion was for a MasterCard that offered 2 % cash back, as well as a {$100.00} bonus for spending {$1000.00} within the first 3 months. I applied and was approved for the card the same day. The promotional offer was confirmed on paper to which the card itself was physically attached. By XXXX XXXX I had fulfilled the requirement for spending {$1000.00}. However, despite repeated inquiries and requests, the promotional offer was never honored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently checked my credit report for the first time ( in a while ), I have noticed an Inquiries section towards the bottom of the report. This is having an impact on my credit. 
These companies and or individuals made hard inquiries on my credit report that were not authorized by me. They have affect my credit score negatively. 
I checked my personal credit report, which I acquired from XXXX, Experian and XXXX and I noticed an unauthorized inquiry had been made. 
I contacted XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX/XXXX, XXXX/XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into all listed companies inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter.
Product: Debt collection

I filed Chapter XXXX bankruptcy on XX/XX/2020, in the United States District Court District of Minnesota Bankruptcy Court and my  Bankruptcy Chapter XXXX was discharged on XX/XX/2020. I had a credit card account with Kohls, and have a current balance and debt I owe Kohls, that was discharged in bankruptcy court. I want Kohls to update their records  immediately and accurately, showing I filed for chapter XXXX bankruptcy, my chapter XXXX bankruptcy was discharged on XX/XX/2020, and owe Kohls no money and have no debt with Kohls, due to my debt being discharged under Chapter XXXX bankruptcy. My bankruptcy attorneys and the United States District Court District of Minnesota Bankruptcy Court will be sending notification to Kohls Bankruptcy Department. Attached to this complaint is my bankruptcy discharge notice for Kohls Bankruptcy  Department review.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX  letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 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 und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit card

XXXX XXXX store-i felt as though I was scammedXXXX Purchasing an item and the associate said to get the credit card for 40 % Off -I explained I usually use one credit card only-she said its 40 % Off you should get it even if you dont use it. They put my information in and came back needs more information??? No reasons or information as to what or why. I have very good credit ; however the associate gave no explanation. The associate said you cant get the discount then. I said to cancel the information and I will use my credit card which I planned to do from the beginning. No discount no new credit card. I received a card in the mail a few weeks later. I couldnt believe it. 
I was told it was canceled-I called the store and explained the whole situation and the answer is its basically out of their hands. This is not acceptable because I was told I wasnt getting the card and it was canceled and somehow my information was forwarded to the bank which ran a credit report. 
When I called the store they told me I cant get the discount bc I hadnt come back with the card. 
First of all, I was told the card would t go through and asked my information be erased Secondly, I was never told that I MAY GET THE CARD. 
Thirdly, it was never explained that I could come back to the store and get the discount. 

This whole situation seems to be a scam. It is totally inappropriate and unfair to the customer. 
Im not comfortable with it and will have the credit card and bank close the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 several accounts with XXXX XXXX XXXX and had a couple late payments reporting for them because my wife had XXXX XXXX XXXX when she was XXXX XXXX XXXX ... I disputed the late payments and now they just changed them and ADDED a new 60 day late on all my accounts when in fact I was not late! How can they just add NEW late payments now. How can the credit bureaus even allow the response to show valid and now have new late payments reporting? 
This is a clear violation of the FCRA
Product: Credit card or prepaid card

I am unable to get direct deposits to my bank. Per a previous complaint, I was told this was not an option due to Oklahoma 's rules. Reviewing Oklahoma 's information, only One-Time Transfers have been suspended ( See attached from XXXX XXXX XXXX XXXX XXXX ). I was also informed I would get a follow-up email regarding the fees I was charged for calling in 'too often ', but have not received any follow up. Further, since starting to use my card, the only option given to me, the card has now been restricted by the fraud department. A letter was sent to me informing they claim to have called. I never received a voicemail, email or SMS informing me there was an issue, all my prefered ways of contact, which were options to fill out on their website. The letter contained a phone number to call. The number appeared to be a direct line and was different than the standard number. I was not given any options to select from to direct me, a welcome change, but put directly on hold for a representative. After waiting 30 minutes, I was told that department could not help me and they needed to transfer me to Level2. What is the use of a direct line bypassing options, if it is going to waste my time on hold and a reps time, who clearly is very busy, to deal with a call you know they can not help with. Waiting another 2 hrs, I reached a representative, who told me I needed to send a photo copy of my ID to an email address, something that could have been included in the letter mailed to my address. I followed the process and received an email today saying it was approved and to all the number on the back of my card. I called in and the representative was unsure why I was calling. After checking my account, they said everything was good and no further action was needed. A short time later, I tried to log into my account a received a message the account was locked due to possible fraud and I needed to call in. I tried using the card and the transaction was rejected. I called back in and another representative said it is clearly showing still as locked, but notes on my account show it was approved and it should no longer be locked. I now have to speak to fraud regarding the issue. I am now going on 24 calls for a total of 8 hrs, 30 mins and 7 seconds on the phone with this company trying to resolve issues, not including the call I have been holding on for over 50 minutes.
Product: Credit card or prepaid card

I'm having an issue with CitiCards. When I make a payment for my statement balance in full, the last two times they have always requested/received TWO full statement balance payments from my bank. So,  I've had the same issue happen twice now. 
It happened once on XX/XX/XXXX. 
It just happened again today/yesterday. The payment is still processing/pending with my bank. 

So, inXX/XX/XXXX, I scheduled a payment for {$900.00}. It was scheduled at some point in advance of XX/XX/XXXX. On XX/XX/XXXX, my checking account with XXXX XXXX XXXX that was being used to pay the credit card bill is charged for {$900.00} TWICE. My credit card bill then starts to show a balance of NEGATIVE {$900.00}. I didn't think much of it at the time because I thought I may have scheduled two payments on the same day by accident and not checked the scheduled payments. I carried a negative balance on the card for a while and had no need to make a payment in XX/XX/XXXX. When the billing cycle payment due date came around in XX/XX/XXXX, I had a bill for {$91.00}. I used the mobile app to schedule payment XX/XX/XXXX. I checked it to confirm there was only ONE  listed scheduled payment. That was all I ever saw. I received an email from Citi cards telling me that my payment was received and then I saw something showing I had a NEGATIVE balance again. 

I contacted CitiCards today through their chat platform. The person was helpful, but I have no sense of this actually being resolved. I contacted my bank, XXXX XXXX XXXX, to confirm it wasn't on their end. They said they received two  authorizations in XX/XX/XXXX and there are two more coming in for this recent instance. XXXX XXXX XXXX offered to put in fraud claims for any/all of the charges, but I elected to not pursue that at this time because I don't want " block '' myself from paying my own credit card bill. I was concerned that would lead to late fees or interest fees with Citi that I would have to discuss with them. 

I requested that I receive an email or phone call of some kind to verify that this is taken care of. It seemed as though they will apply this information to my account, but I have no idea if anything will change. I just wanted to get this out there because if people are carrying a relatively low checking account balance, this DOUBLE billing practice may result in fees from their bank or wherever they are drawing from to pay their credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries I didnt authorized on my credit report and I want them remove, I dont know how it is possible that some company can check the report without people authorization.
Product: Credit card or prepaid card

XXXX XXXX has reported me as being 9 times 30days late. I have contacted them numerous time sent my bank statements showing that they have received monthly payments from on time as payments were set up on Auto-pay at {$12.00} per month. I paid the account in full on XX/XX/2017 and was told that all incorrect lateness 's would be removed as they should have never been placed on my account in the first place this company is clearly in violation and I want my cr3edit report corrected as my score has dropped 100 points due to this
Product: Vehicle loan or lease

I purchased a new XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN, XXXX. I traded in my old XXXX with a value amount of XXXX they estimated with pictures through email. Then brought trade in value down even more more to XXXX while in person. I did have a loan still to pay off with old jeep of XXXX and I put down XXXX with a check. When the workers were talking with Ally Bank they coming up with a payment amount. I was shocked that the monthly payment was so high of XXXX, but I really needed a reliable vehicle for me and my XXXX children due to the old jeep had a lot of recalls. This would be my first time purchasing an actual new vehicle to where I always bought used vehicles. So, I had no idea what to expect. My children and I were at the dealership for a very long time. I think it was XXXX hours total. So, I saw that the interest rate was at 19 %, but didn't know what was good or bad for interest rates on a new vehicle. I even told the XXXX that the monthly amount was way to big and I was only looking to pay XXXX at the most. But like I said I needed a reliable vehicle. The amount financed was at XXXX, but with the interest rate and such jumped up to XXXX! How is anyone supposed to pay this off? Well, I received a letter dated XX/XX/XXXX. Letter was from Ally Bank, XXXX, MN saying they had to adjust the interest to 18.00 % with total sale price of XXXX, XXXX payments of {$720.00}. I just thought about this for some time and was think this interest is not adding up to me at all. I asked an attorney about this and they said this is illegal to change the rate and amounts and nothing to sign or spoken to first then the state of Minnesota with new vehicles the Max percentage that banks can charge is 8 %. When this bank ran my credit score it was fair and have always been on time with my old loan with the old jeep. The dealership 's XXXX wasn't going to let me take the new vehicle that day even when I signed everything. But the XXXX said I could take the new jeep so I ended up taking it home. I knew there was something wrong going on here. The dealership also had already sold my old jeep within XXXX weeks.
Product: Credit reporting or other personal consumer reports

Experian failed to properly investigate account XXXX account # XXXX. Ive dispute this account multiple times. The account is showing late payments with collections. The account has been paid in full. The open date is inaccurate, the close date is inaccurate, the payment history is inaccurate. Showing delinquency after closed account.
Product: Debt collection

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX PXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : Dispute of Debt and Request for Deletion from Consumer Report Dear Sir/Madam, I am writing to dispute the validity of a debt that has recently appeared on my consumer report, as well as to assert my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my consumer report, I was surprised to find an entry regarding a debt that I have no knowledge of. I have not received any prior notification or communication regarding this alleged debt, nor did I have the opportunity to dispute it before it appeared on my consumer report. 

I want to emphasize that if you believe that proper notification was indeed provided to me, I kindly request that you furnish me with the CERTIFIED mail receipt that includes my signature, demonstrating that I received notification of this debt at least XXXX days prior to its appearance on my consumer report. As a consumer, I am aware of my rights under the FDCPA and FCRA, which include the right to be notified of any debt collection activity and the right to dispute any inaccuracies on my consumer report. 

If you are unable to provide a certified copy of my signature confirming receipt of proper notification within the specified timeframe, I demand the immediate deletion of this collection/charged off account from my consumer report. Failure to comply with this request will prompt me to take further action to rectify this matter. 

I expect a prompt response to this dispute and request within XXXX days, as stipulated by the FCRA. Please provide all correspondence to the email address listed XXXX. 

Thank you for your attention to this matter. 

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

Refiled. See previous two reports. Report # 3. 
On XX/XX/scrub>XXXX XXXX  I received a letter from Wells Fargo Bank regarding my lost or stolen cashier 's check in the amount of {$2000.00}. The bank charged me for a cashier 's check and mailed to me instead of the merchant XXXX, a third party company for XXXXXXXX XXXX The cashier 's check was sent to me on or about XXXX and I mailed the check certified mail to XXXX to avoid penalties and accrued interest. XXXX said they never received the payment or check. I asked the bank to stop payment immediately. Wells Fargo Bank asked me to come into the branch and said they would reimburse the funds to me immediately. I went to the branch and presented proper identification ( two forms ) and was denied multiple times. I was also contacted by a XXXX XXXX XXXX who is an escalations representative who explained that she would assist me with retrieving my funds. It has now been more than six months since I have requested reimbursement and was told that I would receive my funds if I went to the branch to show identification for the third time. I am receiving letters and messages by letter from XXXX XXXX but no money has been refunded to my account. The bank expects me to do the investigation and REFUSED GIVING ME MY MONEY!!! I am made to feel like a criminal when I go to these branches because I have to wait for hours only to be told they are unable to assist me. This is criminal and I want and need my money. I am an educator and student who now has to pay XXXXXXXX XXXX more than {$19000.00} for the delay in enrollment.