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

In accordance with the Fair Credit Reporting act XXXX Account # 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 I have not given anyone permission to buy, sell, share my personal credit information with anyone. I want these account deleted immediately. My right to privacy is being violated and the law has been provided to you.

Only my credit card was agreed to and my bill payment with experian boost
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX I have no knowledge of this account ftc Print Review Summary
Product: Debt collection

This debt collector is attempting to collect a debt in a state in which they are not licensed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone number ( XXXX ) XXXX In accordance with the fair credit Reporting act This creditor has violated my rights.. XXXX XXXX XXXX Account # XXXX I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX I XXXX PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXITS
Product: Credit reporting, credit repair services, or other personal consumer reports

The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I got a letter on the mail from a collection agency demanding payment for medical bills on the amount of $ XXXX.Since I been a few times on medical care and had taken a few XXXX XXXX and XXXX XXXX, I asked the collection company around XX/XX/2019 ( Lanier ) to send me back on the mail legal documentation displaying about the charges and the merchant. ( certified letter was sent, document attached ) To this day I haven't received a note to whom I owe the charges they referred to, instead Lanier collection company added a collection to my XXXX  credit file without giving me the opportunity to pay or settled ( {$150.00} ) I haven't received a single call from Lanier about this call, please note that I am paying the hospital for bills already sent to me so I need to know if this is a separate bill from the hospital or else.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the XXXX FCRA XXXX ( XXXX U.S.C. XXXX ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., ASD ASD ASD, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$0.00} 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: Checking or savings account

XX/XX/2021 I deposited a XXXX check into my USAA Checking Account. The first XXXX of the deposit was made available immediately. A hold was placed on the remaining XXXX leaving my family and I stranded out of town without fuel, food, diapers or formula. XX/XX/2021 contacted USAA and requested they release the hold on the XXXX. USAA refused to release the funds and further advised they would keep the hold on the XXXX until XX/XX/2021. 
It would be reasonable to place a hold on a XXXX or XXXX check but it is certainly unreasonable to place a 7 day hold on XXXX for an electronic deposit that can easily be verified.
Product: Checking or savings account

Subject : Urgent Assistance Required - Account Locked Out Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to you with a pressing issue regarding my account with Huntington Bank. 

Recently, my account was locked due to a potential compromise detected by the bank 's security system. While I appreciate the bank 's vigilance in ensuring the security of my account, the solution proposed by them is not feasible for me. They noticed attempts t log in from my cell phone that kept locking out due to poor internet connectivity.They have asked me to visit a local branch to resolve this issue. However, I currently reside in Georgia, where there are no Huntington branches available. 

To verify my identity, I have provided two-factor authentication, and the code was sent to me successfully. Despite this, I have been unable to reset my password and regain access to my account. The suggestion that I should take a flight to the XXXX to resolve this issue is, quite frankly, absurd and impractical. 

I am in urgent need to conduct some banking transactions, and this lockout is causing significant inconvenience and stress. I am reaching out to you in the hope that you can provide some guidance or intervention in this matter. 

I understand the importance of security measures, but I believe there should be alternative solutions for customers who do not have access to a local branch. I am willing to provide any additional information or go through any remote verification processes necessary to prove my identity and regain access to my account. 

I kindly request your immediate attention to this matter. Please let me know how best to proceed, and I look forward to your prompt response. 

Thank you for your time and consideration. 

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

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX XXXXXXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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

This is my complaint to the three major credit reporting companies after several phone calls and letters. 

I am writing to remove erroneous and obsolete demographic information on my credit report. The above information concerning my name, address, phone number, and employer is the only information I want to appear on my credit report. I want all other data which includes old addresses, old phone numbers, old employers, all variations of my name that does not appear exactly as above removed. You use this incorrect or outdated information as challenge questions for access to my credit report. The information that you use is incorrect and outdated. Your use of old and incorrect data is preventing me from accessing my credit report which is my right under The Fair Credit Reporting Act. I have written several letters informing you of this and as of this date have not received a response. I still have no access to my credit report. I have filed a complaint to the Consumer Finance Protection Bureau and I am including a copy of this letter to them also. Your prompt attention to this matter is appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is continually reporting incorrect information on my credit report! I requested this company to validate the debt and they have not provided me with I also asked to show me the method of verification and they have not sent me anything! I also asked this company to show me how investigated the negative items on my report they have also not provided me any of these items! This company is effecting my credit report negatively and it is not allowing me obtain any credit lines in order to provide my family! 

This company is braking several laws while violating my rights as a consumer under the FCRA & FDCBA! 15 U.S. Code 1692- ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy 15 U.S. Code 1681- ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports. In accordance with the written instructions of the consumer to whom it relates 15 U.S. Code 1681a - Definitions ; rules of construction. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

ACCOUNT : XXXXXXXX XXXX XXXX  ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX ACCOUNT : XXXX ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX ACCOUNT : XXXX ACCOUNT XXXX : XXXX DATE OPEND : XX/XX/XXXX ACCOUNT NAME XXXX XXXX ACCOUNT # : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT : XXXX XXXX XXXX ACCOUNT # : XXXX DATE OPENED : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX, Equifax, and XXXX  Letters that reported inaccurate information on my credit report, and they have refused to resolve the issue. I have wrote letters for the last 4 months, and there has not been any action taken or investigated. They have reported wrong information on my credit reports, and all three of the credit bureaus are reporting different items.
Product: Credit reporting or other personal consumer reports

I am writing you with this formal grievance and a call for adequate movement on your part. You are improperly reporting wrongly to the main three credit reporting repositories and damaging my credit. You are in violation of the FCRA aka the Fair Credit Reporting Act. The dishonorable behavior ( s ) conceivable a matter subject to fines and damages. I am providing you but this one last hope for suitableness of this account. Previously, I had sent you a letter advising you that you were inaccurately reporting. Additionally in that request I in fact did assert your necessary requisite ( s ) to update my file. Due to your now obvious continued misreporting ( s ) albeit any all or each unfair and or surely unethically non-compliantly reported in that it seems that my mailed letter was unexpectedly derided.
Product: Mortgage

We recently got behind in our mortgage payments due to health reasons, We tired to work it out with DITECH, by sending them a payment..which 3 wks later they returned..Spoke to them on the phone they said they needed half amount due..so we sent XXXX OVER that amount..3 weeks later they returned that payment..tried speaking to the again, and they said SORRY going into foreclosure!! SCAM for sure..trying to get MORE monies out of us!! PLEASE HELP!!
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I initiated a transfer of {$5000.00} from my XXXX savings account to what I believed was my sister 's Chase checking account. 

On XX/XX/year>, after realizing the money had not reached my sisters account. I reviewed my transactions details and realized the receiving account number was XXXX digit off. Concerned, I contacted XXXX and initiated a dispute through their chat feature. Later that day, I called Chase customer service, where a representative assured me that their policy is to verify the account name against the account number before approving any transfer. 

Given Chases stated policy of verifying that the account name matches the account number before authorizing a transfer, I was confident this error would have been flagged or blocked. However, the transfer was processed, and the funds left my XXXX account without issue. 

Over the next several months, I have followed up extensively with both Chase and XXXX, only to be met with delays, incomplete responses, and inconclusive investigations. XXXX confirmed they had sent a Letter of Indemnity ( LOI ) to Chase, formally requesting the return of the funds. However, Chase returned a blank response form instead of addressing the matter substantively. When XXXX requested further action, Chase repeatedly failed to respond, leading to multiple closures of the dispute by XXXX. 

Throughout this ordeal, I encountered conflicting information from Chase. Customer service representatives assured me of their verification policy, yet the transfer was not flagged despite the mismatched name and account number. 

After months of effort and over XXXX hours of cumulative phone calls, XXXX has concluded its investigation XXXX with the determination that no further action will be taken. This decision was made without being providing clear reasoning or documentation from Chase. As of now, my {$5000.00} remains unrecovered, and I have not received a satisfactory explanation for why XXXX systems and policies failed to protect against this error.
Product: Credit card

I have a Matrix MasterCard from Continental Finance ( initially it was a XXXX XXXX ). I mailed my payment ( money order ) for XX/XX/XXXX on XX/XX/2015 at my post office. The payment was due on XX/XX/2015. Continental Finance did not receive the payment until XX/XX/2015. Continental Finance called me XX/XX/XXXX to tell me that they did not receive my payment on time. I told them the date I mailed it and that it should not have been late. I also told them that I would have the XXXX track it. I asked them to waive the late charge as my payment history was. Excellent. They agreed to do this, however my next statement showed that I owed them {$95.00}. I called them again on the date I received the statement to find out what this was about. They said it was a charge for being XX/XX/XXXX ( {$35.00} ) another {$35.00} because I did n't pay the first charge plus the {$35.00} that was due for on XX/XX/2015. I told them that I wanted to speak to a supervisor who insisted that I had to pay the late charges. I told her that I felt this was not legal and that I was unable and unwilling to pay these excessive charges. I had already submitted the documentation from the post office who had traced the money order and who explained to me that the payment was late as the Usps trucks their mail and does not fly it and that due to the ongoing snow storms their trucks were not able to move the mail. ( I forgot to tell you that I had closed this account several months before as they began charging me {$12.00} a month as a fee after you have the card for a year ) I received a later from their corporate office stating that the late fees they were charging every month would continue as it was their policy. I refuse to pay this and they have been calling me several times a day. Can you please advise me what I should do. I would sincerely appreciate any help you can provide. Also I feel that continuing to make payments to Continental is futile and a waste of my money. Thank you very much.
Product: Credit reporting or other personal consumer reports

I have provided my photo ID along with the other required documents.

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 acceptable items which only 2 are required per the LAW. Which I have provided my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting, credit repair services, or other personal consumer reports

My insurance company USAA has been overcharging me for auto insurance for nearly a year ( if not longer and I just wasn't aware ). Initially there was incorrect information on XXXX XXXX that I had removed, but that did not result in a lower premium as USAA stated that they could not change the premium in the middle of a billing cycle. When the billing cycle did change, my rates went up rather than down. I called several times and no one would give me a straight answer. One rep said it was because of late payment. My late payments were all made late because I was trying to dispute the amounts. And then they could not provide me a quantitative answer on how much late payments would affect my premiums. Another rep said it was because rates went up in Florida where my vehicles was insured but again no quantitative answer given. Another person said my rates went up because I had a claim in 2020 even though I was paying for accident forgiveness. The rep then claimed that USAA didn't count accident forgiveness for the claim in question. Lastly, I enrolled in USAA 's XXXX XXXX program where they monitor my driving habits through my cell phone. In XXXX I cancelled several insurance policies for vehicles I had insured in Oregon because I saw I was being overcharged. USAA stated that they cancelled my insurance ( untrue ) and then when I asked about my Florida policy again as to why the rates went up they stated that 1. I lost my multi-vehicle discount-which could not be true because the OR and FL policies were separate policies and 2. They stated that my SafePilot discount onlu applied to my OR policy.
Product: Credit reporting or other personal consumer reports

I have initiated multiple disputes with XXXX, Equifax, and XXXX regarding inaccuracies on my credit report, but these errors have not been corrected, despite my repeated efforts to resolve them. The credit bureaus have failed to take the necessary steps to correct the issues. 

Failure to Mark Disputed Account ( 15 USC 1681i ( a ) ( 1 ) ) : The disputed account has not been marked as " disputed '' on my credit report, which is a requirement under the FCRA.

Inaccurate Reporting of Account Status ( 15 USC 1681e ( b ) ) : The credit bureaus have failed to ensure that the information on my credit report is accurate and complete, resulting in incorrect reporting that affects my creditworthiness.

Failure to Provide Documentation ( 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) ) : No sufficient documentation was provided to verify the disputed account, leaving the information unvalidated and unresolved.
Product: Vehicle loan or lease

I spoke with Prestige Finance in regards to my XXXX  XXXX XXXX at XXXX central time. I called to get clarification on the finance charge and its disclosure. I spoke with XXXX he said he was the advice collection president. When asking him to explain the finance charge to me he tells me that my down payment comes from this charge and also that the dealer is paid from the Finance charge. Which it also states in the contract also. But according to 15 USC 1605 The finance charge should be the sum of ALL charges. It also states it should not include fees or an amount imposed by third party. It also states that the interest should be included in the finance charge. If the finance charge is supposed to be the sum of everything home come it is considered as interest ONLY? 16 CFR XXXX XXXX XXXX due to the consumer when the consumer incur a finance charge. This is considered fraud and also a violation under the truth in lending act.
Product: Credit card or prepaid card

Our business has been a long time Citi account holder and always paid our balance in full using autopay. In XXXX 2022 we stopped autopay and attempted to make partial payments online at the Citi site and got an error. Upon calling customer service and tech support, our issue was logged and we were told we would be contacted with additional steps or resolution for the error. Since then, I have called several times, filed a complaint with the XXXX XXXX XXXX XXXX ref XXXX ), sent secure messages on the Citi site and still we have no access to make partial or full payments online. We are extremely frustrated that this issue can not be resolved so that we can make partial payments on our own without the need for the auto pay setting on our account. I keep getting a lot of excuses from Citi and no resolution. No one person or department at Citi will take responsibility for this and each time I am contacted it is like starting all over so no consistency in action or building of action by Citi. I was even contacted on my personal cell phone and personal email about my personal Citi account rather than my business account and contact information, so clearly there is also a major issue with clear and proper communication to address a complaint at Citi. 

At this point Citi is falsely advertising the ability customers to pay in full or partial payments using the Citi website. We only have the option for autopay or phone in a payment. I can not believe all business trying to pay online with Citi are experiencing this issue. We have already tried multiple browsers as well as mobile access and still get the same error when attempting payments. We have removed and restored banking information and that too is not working. The specific error we are getting is " General Error, We've had a problem processing your request. '' It doesn't matter the amount entered, the same result happens. 

Citi closed the XXXX  complaint without fixing the problem so I now bring this to the CFPB 's attention that Citi has been notified of the payment issue for over 5 months and refuses to either remove the option for customer pay on its site or fix the issue. We have been forced to return to autopay to keep our credit and account in good standing.