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

I have noticed credit inquiries in which I did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Transunion is still reporting inaccurate information on my credit report XXXX XXXX XXXX account was to be deleted along with XXXX XXXX/XXXX should have been deleted. I have been disputing this for months now and it was verified from another credit reporting agency to delete the information. Transunion should have received the same response. They just keep updating the information. This is probably my 10th complaint about transunion. It is ruining my credit score. Transunion also is not reporting a new account that I opened recently XXXX with a {$500.00} credit line. I used the card up to {$410.00} then paid the card in full to a XXXX balance. I contacted XXXX and was told they report each month to the credit bureau. I have 2 accounts now with XXXX and stills the new account is not reporting. Paying this card off to a XXXX balance should help my credit score. I contacted transunion and got nowhere. I am submitting this complaint in hopes they will finally delete like the other credit beurou did. They are ruining my credit worthiness.
Product: Vehicle loan or lease

I filed a CFPB complaint on XX/XX/XXXX case number XXXX requesting documentary evidence of this alleged debt between GM Financial / General Motors Financial Company/ General Motors , XXXX AmeriCredit XXXX XXXX, XXXX XXXX XXXX etc. and XXXX XXXX. After further review of the documents sent to me by GM Financial, I discovered fraudulent activity. Please note of my findings : 1. A {$500.00} down payment was accepted by XXXXXXXX XXXX  XXXX as no cash payment shall be included in a credit transaction per Truth in Lending. The {$500.00} dollars was added back to the Total Sale Price. 
2. The contract stated in clause f we will sell the vehicle if you do not get it back. If you do not redeem, we will sell the vehicle. We will send you a written notice of sale before selling the vehicle. The consumer never received a written notice of sale from GM Financial. However, Consumer has documentation that no letter was delivered to XXXX XXXX XXXX. According to O.C.G.A. 10-1-36 when any motor vehicle has been repossessed after default in accordance with Part 6 of Article 9 of Title 11, the seller or holder shall not be entitled to recover a deficiency against the buyer unless within ten days after the repossession he or she forwards by registered or certified mail or statutory overnight delivery to the address of the buyer shown on the contract or later designated by the buyer a notice of the sellers or holders intention to pursue a deficiency claim against the buyer. 
3. On the application from XXXXXXXX XXXX XXXXXXXX, consumer birthdate is wrong the application has XX/XX/XXXX however consumer birthdate is XX/XX/XXXX. The signature is not consumer signature. If you note on all pages the consumer does not sign name as such. 
4. On the assignment to retail installment contract, there is not date of contract between seller ( XXXX XXXX XXXX XXXX XXXX ) and buyer ( XXXX XXXX, XXXX XXXX ). Nor is there a signature between Dealer-Seller and AmeriCredit has state on assignment. Only one signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had multiple car loans with XXXX Bank with no problems. However, on my loan number XXXX, XXXX Bank is inaccurately reporting {$58.00} as delinquent. 

I had taken advantage of their Covid 19 program to extend the loan. I have made all payments on time and have never been overdue. I made my last full payment in the amount of {$260.00} on XX/XX/2022 for the payment that was due on XXXX XXXX. 

I realized that there was small payoff amount due so I contacted XXXX Bank via phone on XXXX XXXX and paid off the remaining balance due of {$58.00} which I believed to be the finance charges from the Covid 19 extension. 

While checking my Experian credit report on XX/XX/2022. I am informed that XXXX Bank reported the amount of {$58.00} as delinquent loweirng my credit score by XXXX points. 
I contacted XXXX Bank and was informed that there is nothing that they can and will do. 

I have consistently made my payments on time with XXXX and have had multiple car loans through the bank. Now, they are refusing to update my credit report to say Paid in full and remove the delinquency of {$58.00}. Had I been aware of a payment due in this amount, I would have most definitely made the payment before XXXX considered it delinquent. I relied on making my payments via phone since I have not been able to og into my XXXX loan account for over a year. 

XXXX agents stated that normally courtesy calls are made to customers but I never received a call from them about this matter. I would not jeopardize my credit score over {$58.00}. 

I am requesting that my credit report be updated to show paid in full with the delinquency removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting ( XXXX XXXX XXXX ) account # XXXX has violated my rights. 
in accordance with the fair credit reporting ( XXXX XXXX XXXX ) account # XXXX has violated my rights. 

15 U.S.C 1681 section 6802 - Obligations with respect to disclosures of personal information ( i have a right to privacy ) 15 U.S.C 168` Section 604. Permissible purposes of consumer reports In general, any consumer reporting agency may furnish a consumer report under the following circumstances and no other inaccurate information and account number there's no real investigation ever conducted!! under FCRA section 611 ( a ) ( 6 ) & ( 7 ) i request you to give me full METHOD OF VERIFICATION
Product: Credit reporting or other personal consumer reports

Dear Credit Bureau Representative : I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a person 's credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order.

The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act. 


1. XXXX XXXX XXXX XXXXXXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX To TRANSUNION this is my dispute for you! 

RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of Dark Web identity theft. There have been accounts and services established using my personal Identification without my authorization. 
After careful review of my report, I have identified the information listed below, is the result of XXXX XXXX theft on the affected accounts are listed below. 
I do not and have not obtained business or services under these accounts! 
You must remove it immediately without prejudice. 
XXXX ACCT : XXXX AMT : $ {$4900.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$2400.00} XXXX XXXX, XXXX. ACCT : XXXX XXXX : {$100.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$5500.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$630.00} There are also the below listed inquiries on my report which have never been placed by me. These need to be removed immediately : XXXX XXXX XX/XX/XXXX You have also listed several addressed for which I am not associated. Your company apparently is practicing in reporting inaccurate information and listing addresses on consumers reports that I have never lived. 

The below addresses need to be removed from my reports immediately! 

XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX NC XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, XXXX, and TU via the CFPB. Investigations have been continuous and ongoing to no avail. 

This is again a demand to remove and block such information from the report in question. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting Act XXXX  has violated my rights 15 U.S.C 1681 section 602 A Stats I have the right to privacy. 15 U.S.C 1681 604 A section 2 Stats a consumer reporting agency can not furnish an account without my written instructions. Account Number XXXX XXXX, Account number XXXXXXXX XXXX, Account number XXXX DPT EDXXXX, Account number XXXX DPT EDXXXX, Account number XXXX DPT EDXXXX, Account number XXXX XXXX XXXX, Account number XXXX XXXX XXXX, Account number XXXX XXXX XXXX, Account number XXXX XXXX XXXX Account number XXXX,
Product: Checking or savings account

Upon logging into the app or the website of chime bank, I realized that it only shows transactions back to and including the fourth of this month. There are no transactions for the first three days of this month. Upon calling them they told me that they only store 20 days but today is the 27th and subtracting 4 days from the 27th is not 20 days. I have transactions that were supposed to have been processed in the first three days of the month and I have record of making those transactions but the bank would not provide me with proof because another debtor needed the information. I am very frustrated besides the fact that they lied to me but mostly frustrated that the computer system does not show anything before the 4th of this month.

If they had transparency for my own account to me the owner then I wouldn't have a complaint but the fact that they not only hide the first three days in their computer system but they lied to me and tell me that it only goes back 20 days I have no other recourse than to find somebody higher than them to get them to stop pulling the stupidity. 

There's no reason why my transactions should be obfuscated from me the owner of the card. There's no reason why chime Bank should lie to me about only having a 20-day reporting time and even if that was true which obviously it's not there's no reason why a bank should restrict a user from being able to see their transactions for any reason.

When going through their system you can download last month 's transaction history but last month ends on the end of the month so from the first of this month to the 3rd, there is no way on the systems to review those transactions
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX {$32.00} OPEN BAL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SAVING {$64.00} BILLING ERROR AS DEFINED IN 15 U.S CODE 1666 B FAILURE TO FURNISH WITH A STATEMENT 21 DAY PRIOR WHICH OUGHT TO RENDER ANYRAMIFICATION OF LATE PAYMENTS REGARDING THE LINKED ACCOUNTS ( 4 ) THE CREDITOR FAILIRE TO REFLECT A PAYMENT MADE BY THEOBLIGOR OR A CREDIT ISSUED TO OBLIOGOR ON A STATEMENT. ( XXXX ) A COMPUTION ERROR OR SIMMAR ACCOUNTTING ERROR MADE BY THECREDITOR O A STATEMENT FOR ACCOUNTS LISTED
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi there, I called TransUnion customer service on  XX/XX/XXXX  about the technical error they had with reinsertion of previously deleted information and hard inquiries glitch. They refused to help me and did n't delete my hard inquiries. Those are the hard inquiries which should be deleted : Creditor Name :  XXXX  Date :  XX/XX/XXXX  Creditor Name :  XXXX  Date :  XX/XX/XXXX  Creditor Name :   XXXX      XXXX   XXXX   Date :  XX/XX/XXXX  Creditor Name :  XXXX   XXXX   XXXX  Date :  XX/XX/XXXX  Creditor Name :  XXXX   XXXX   XXXX  Date :  XX/XX/XXXX  Creditor Name :  XXXX   XXXX   XXXX  Date :  XX/XX/XXXX  Creditor Name :  XXXX   XXXX   XXXX  via  XXXX  Date :  XX/XX/XXXX  Creditor Name :  XXXX   XXXX  Date :  XX/XX/XXXX  All previous hard inquiries should be deleted.  <P/> Thank you
Product: Checking or savings account

They have blocked me from transferring ANY funds from my {$75000.00} in a savings account over to my other bank. I've been on the phone with them for over a week and every day promised the block would be removed and it hasn't. They've wasted dozens of my hours and I bill over {$250.00} an hour for my business.. That equates to THOUSANDS of lost dollars I could have been working. 

I am also putting together a lawsuit for treble damages and pain and suffering for the entirety of the {$75000.00} as I have been in tears multiple times, lied to by there associates, and am unable to pay my over dozen employees. Over a week and unable to access {$75000.00} as a SMALL business. How is this ok? And to be told over 3 times by different SUPERVISORS that my funds would be accessible. I am also pursuing the individual Citi employees as claimants in the suit specifically and personally, who have lied to me about unlocking my account. I have had to pull a loan with over 9 % interest just to cover my bills. That interest also needs to be covered by Citi.
Product: Student loan

Dear Sir / Ma'am : My loans were with XXXX after I earned my XXXX degree in XXXX. 

In XXXX, I joined XXXX full time. 

I began work toward my XXXX XXXX XXXX in XXXX. 

The XXXX program was inaugurated in XXXX, during which time, XXXX sold me to XXXX without my consent. I was in deferral for 2 years while attending XXXX XXXX between XXXX - XXXX. 

In XXXX, I graduated with my XXXX degree and went back into repayment shortly thereafter. 

For the 8 years that followed, XXXX obstructed my effort to move my loans to FedLoans, while collecting {$42000.00} in loan payments. 

I was able to move my loans to FedLoans in XXXX, with 11 years of XXXX service or 16 years including military service at the time. 

I spoke to a level II CSR at FedLoans in XX/XX/XXXX, and XXXX there, said my payments to XXXX satisfied the ( TE ) PSLF requirement and that my loans would be forgiven. He said to check back in XXXX. 

I followed up on that XXXX conversation in XX/XX/XXXX, and a different XXXX made me feel like a commodity -- 8 years and {$42000.00} truncated over a technicality, when I had been in federal service all during that time. 

As of this moment, I have 16 years with XXXX ( 21 years total federal service ) and have been paying on school loans since XXXX. I've been in repayment for my XXXX XXXX since XXXX which totals 13 years. 

I find it unbearably unethical that XXXX took {$42000.00} from me over an 8-year period ; that my loans have not been forgiven under XXXX and XXXX intends to sell me to yet a 4th loan servicer while my principle sits unmoved at {$55000.00}. 

Is there a way to inject justice into this equation? The damage inflicted upon me, my family and my future is indescribable. 


Please help, and sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

In XXXX of 2020 I received an email from Capital One that my online access to my accounts was blocked as they needed to verify my identity. I contacted them and submitted the requested documents. DL, SS Card and a letter to update all accounts. I was told that an old closed account from the XXXX that was in my previous maiden name was throwing a mismatch to their system. As of today, XX/XX/XXXX, I still have no online access to my accounts and at this time their system will not allow any payments to be made to my accounts even with the assistance of a customer service representative in any fashion. I have called frequently over the last 6 months and have been continually told that the case has been escalated to their " back office '' team and is still under investigation. Prior to XXXX I could make payments via phone with a rep. Now my accounts are locked for any kind of payments. Therefore, I am now incurring late fees and in 2 weeks will receive a 30 late credit reporting as they can not process payments.This is beyond frustrating and ridiculous now.
Product: Bank account or service

I opened a CitiGold checking account online in XXXX of XXXX. I was an existing Citibank customer with a credit card that earns 'Thank You Points '. The checking account was opened using a promotional offer from Citibank, which offered a bonus of XXXX Thank You Points ( worth roughly {$500.00} ) if the I met the following conditions within two months of opening the account - I simply needed to make 2 online bill payments in 2 consecutive months. I opened the account, and verified ( via Secure Message and using their Online Chat application ) with Citibank that my account was opened with the promotional code and eligible for the promotion, and that I had met the requirements the receive the bonus Thank You points. I was told in accordance with the promotional terms that the bonus points will post to my account within three statements or 90 days of completing the requirements, which would have been XXXX XXXX, XXXX. It is now XXXX XXXX, XXXX, and I have paid {$90.00} total in monthly fees to Citibank, and Citibank has not upheld the promotional offer. Upon inquiry, Citibank now tells me that I was never eligible for the promotion, despite the fact that they confirmed my eligibility several times and provided specific dates and milestones that corresponded to that eligibility. This is very unfortunate in that in the six months this account has been open, numerous Citibank representatives have confirmed my enrollment in this promotion, eligibility and satisfaction of the promotion requirements to earn the bonus for this checking account. The last Citibank rep I spoke with told me that the points would post within 90 days of meeting the requirements. Only now, after Citibank has collected fees during my 90 days of waiting, does Citibank decide to inform me that I am not eligible. If I was ineligible, why was I not informed earlier? Therefore, I find this practice to be very deceptive and would like to file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Did not consent or authorize nor benefit from the following inquiries. Please block and remove the following from my credit report : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I sent Discover a letter on XX/XX/XXXX in accordance with 15 US code 1681b Permissible purpose of consumer reports -- Any Consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with written instruction of the consumer.

The rights that Discover has been violating are as follows : 15 USC 1666b- Timing of Payments [ TILA 163 ] No Creditor may treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. I've already communicated this to Discover.

Discover has been Violating my right to Privacy per the Privacy Act of 1974. The privacy act protects consumers rights to privacy as it relates to Financial transactions.

Discover has been reporting Transactions history in which the FCRA states in 15 US Code1681a ( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, ( 2 ) Exclusions consumer report does not include ( A ) any ( i ) report containing information solely as to consumer transactions.
Product: Credit reporting or other personal consumer reports

About XXXX months ago I chose to freeze my credit report information with all XXXX repositories in order to prevent fraud. My financial advisors recommend such an action. 

In XX/XX/XXXX we opened a XXXX with XXXX Bank for {$120000.00} to pay for home improvement and taxes. We disbursed the full amount of the XXXX immediately. We have paid in full and on time every month since then. 

In XXXX of XXXX XXXX Bank began to report to the XXXX repositories a 'Remarks ' coded as XXXX which stands for Credit Line Suspended. The same Remarks has appeared every quarter since then, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I never received any communication from XXXX Bank telling me my XXXX was suspended nor was there any reason to Suspend a XXXX  that was already full disbursed and we were not asking for an increase in loan amount or any changes. 

I noticed this on my credit report in late 2024 because it was listed as 'Adverse Information ' by the credit repositories and therefore lowering my credit score significantly. 

In XX/XX/XXXX I called into to XXXX Bank to find out why they were coding my XXXX quarterly as Suspended. They told me that they quarterly they pull my credit report as a standard operating procedures for all XXXX. They told me that since my credit information was frozen and they could not access it, they Suspended my account. The person I talked thought they would change this information once she submitted my explanation. 

Then in XX/XX/XXXX, XXXX sent me a letter saying 'they never reported me as delinquent ' therefore my case was closed with no changes. They totally missed the point. The Remarks XXXX is what I asked to have removed. The repositories consider this Adverse Information.
Product: Checking or savings account

I have in years past had a debit card through Navy Federal declined as an ach for being blocked or not enough money in account to make the transfer. I received a text notice in each situation. I sometimes transfer money from paypal to Navy Federal or from Navy Federal to paypal. In addition, I have used a debit card to have automated deductions made from my checking account. I also have direct deposit every 2 weeks at Navy Federal. At no time prior to XX/XX/year> complaints with this agency have I been charged {$29.00} " returned check fee '' for any declined ach. Last month I have 3 {$29.00} " returned check fees '' charge to my Navy Federal Checking account. They were charged on the same day ( XX/XX/XXXX ) as my bi-weekly direct deposit of {$1400.00} for a declined ach of {$4.00} when the previous day had a balance over {$20.00} on the XXXX and they overdrew my account with the first {$29.00} fee then continued to decline the {$4.00} ach even after my direct deposit was credited. They did this by giving these fees a " check # XXXX " and " check # XXXX '' even though I haven't written a check in 30 years and certainly not a check ever with Navy Federal. I guess since the settlement with your agency, they think its ok to charge fees first then credit your deposit and makeup check numbers to legitimize it. JUST AN FYI!