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

In summary : Best Buy ( CITI ) repeatedly overcharged me late fees & placed derogatory information ( late ) on all 3 credit bureaus. After making numerous attempts at contacting them they realized their errors & credited me back all paid monies. They however, have not corrected the credit reports. When I contacted XXXX, Best Buy ( CITI ) could not provide a date when I was supposedly 30 days late. Below is XXXX XXXX results. I've also attached detailed description of what lead up to their original mistake. 




From the XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX Dear XXXX XXXX : This is in reference to your complaint against Citi. Your complaint was assigned ID XXXX. 

While we regret we were unable to reach your desired resolution, the complaint has now been closed in accordance with XXXX  policy. Your complaints closing will be described as follows in the companys XXXX XXXX XXXX : The business responded to the dispute but failed to make a good faith effort to resolve it. We understand that your concerns may not have been resolved to your complete satisfaction, so you may now want to pursue this matter through an alternative resource. To view a list of agencies you may wish to contact for additional assistance, please visit : XXXX XXXX XXXX 
Your complaint will be included in the company 's XXXX  XXXX XXXX for three years and be used to evaluate the overall performance of the company.
Product: Checking or savings account

On XXXX XXXX there was a withdrawal of {$300.00} out of my account then on XXXX XXXX there was a withdrawal of {$600.00} out of my account I found this out while I was at work because I kept on getting notifications where someone had transferred some money from my checking to my savings and withdrawing it all out of my account I went to XXXX XXXX banks XXXX on XXXX XXXX and the other was on XXXX XXXX both in XXXX Tennessee and I didnt get the proper help that I needed claims came back denied and the fraud center had made it seem like it was me that had took money out of my account but I was at work when this happened. The fraud center told me there was nothing they could do about it.
Product: Debt collection

The statute of limitations for this debt from 2017 should apply. 

Jefferson Capital Systems , LLC has tried collecting on an old debt purchased from XXXX XXXX XXXX through a collections agency XXXX XXXX , XXXX ( XXXX XXXX XXXX XXXX # XXXX XXXX TX XXXX ) However, the collections agency has not updated the amount owed, or communicated with me regarding the debt, post a payment arrangement agreement.
Product: Checking or savings account

I was a customer of Wells Fargo for XXXX XXXX during the time frame mentioned in a wrong doing article about their practices. Am I automatically included in the penalty, or how to I go about going forward?
Product: Credit card

On XXXX/XXXX/XXXX I found out via an alert on my credit that Bank of America Credit Card Division ran a hard credit inquiry without my permission. On XXXX/XXXX/XXXX I contacted Bank of America to dispute the denial of a double post credit card claim in the amount of {$62.00} charged on my card along with a charge of XXXX Reward Points that I initiated on XXXX/XXXX/XXXX. I did n't receive the denial letter until XXXX/XXXX/XXXX. I could not believe the treatment I was receiving over a {$62.00} claim, since I have been a long-time customer and never filed a claim before. After rude and round about conversations with several representatives, I told them to close the card. After consultation with my financial advisor, I was advised to call Bank of America back to reopen the card. All of this took place within 30 minutes. So, in less than an hour I contacted Bank of America and requested to reopen my card. The representative asked if I still had the card in my possession and I responded yes. I also told her that I had just called within the last 30 minutes and had the card closed myself. She never told me that my credit would have to be run and she never asked for permission to run my credit. I did n't think my credit had to be run since I had been a customer of Bank of America since XXXX current credit score of XXXX with no discrepancies and it was less than an hour the account had been closed. Surprisingly, I received a letter dated XXXX/XXXX/XXXX that my request to reopen my credit card account was denied for serious delinquency and length of time accounts have been established. This confused me even more because I have been a customer of Bank of America for almost 10 years and never paid late. I have lived in my home almost six years and never paid late. I 've had a XXXX XXXX account on my credit established since XXXX and never paid late. The only delinquency on my credit report is a student loan account, which has been in good standing since XXXX. I really feel all this is retaliation regarding the negligent handling of my credit card dispute. I was never given provisional credit during the claim process after I was told I would not be charged interest during the process. I was charged. I was never credited back my XXXX Rewards Points or {$62.00} I used to pay for the transaction. This whole process has affected my credit tremendously. I was at the credit union shortly afterwards and learned that my credit score was lower than expected. I contacted Bank of America regarding them running my credit without my permission and the representative told me, " Bank of America will change the hard inquiry to a soft inquiry. '' This is not acceptable. My credit report should have never been accessed. Then I asked her about the reasons given regarding the reopening of my account. She told me, " instead of closing my accounts out I should pay them off and leave them open. '' Also the reason for denying the reopening of my credit card is not sufficient. Please help me get to the bottom of all this and get my credit back to where it should be.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Equifax Will not update my address even after they have ask me to send certain documentation to prove my identity. I have done this numerous times over the last 2 years and they still havent done it.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Mortgage

First Centennial Mortgage claims that my loan was set up with an Escrow shortage from the get go. Initially I was informed that my homestead exemption was missing. I obtained the exemption from XXXX XXXX  and sent to First Centennial. I requested they perform a new escrow analysis. First Centennial is looking to raise my monthly payment by {$50.00} per month. They are also now not applying my payment correctly and are charging me late charges. Ultimately, they informed me that my homeowners insurance rate has gone up {$70.00} and that my taxes have gone up, this paired with the initial shortage make it that my monthly payment needs to go up. I have asked that they perform a re-analysis and send it to me. They claim they have, I have yet to receive it. I should not be charged late charges, nor should I have to pay and extra {$50.00} per month. I have reached out to my initial mortgage agent to. They have not been responsive either. I am being bullied into expanding my monthly payment and I should not have to. The numbers do not add up for me.
Product: Debt collection

I have requested validation of debt and all I keep getting from the company is a bill saying that they have validated which the person is not me. I ask for proof bearing my signature and they continue to show me nothing. but just say it been validated that its me and the letters and phone calls continue.
Product: Credit reporting or other personal consumer reports

i have never been to school or applied for any student loan and still on my credit report
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and reviewed it. It stated that the following inquiries ( mentioned below ) made a credit inquiry. These inquiries, however, were not authorized by me. As a result, I'm sending thisto contest the inquiries and have them deleted from my credit report. 

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
Product: Prepaid card

This is the third complaint I have submitted. The first complaint specified information that was completely ignored. The response included was based on an investigation using information that was incorrect. I detailed why this information was incorrect. The second complaint has received no response. I have requested an an account statement five times. The first time I was told " no Im not going to do that '' another request was taken over the phone however I never received the statement by email or postal mail. I want a statement with every transaction made to my account. I want all information used to determine the outcome of all claims that have been filed. I want all information the bank holds in every form that I am legally entitled. A review of recorded telephone calls placed regarding my account would clarify and support my claim. I have documented many instances in which the bank or a representative of BofA prepaid card holder division allowed the security of my account to be compromised. I have all this information written in a letter with supporting attachments however I need my account statement so that I can show which transactions need to be investigated. I also need this information so I can file a second police report.
Product: Mortgage

The lender keeps harassing me to collect payment which has already been submitted. I refinanced the home and funds were sent to the lender on XX/XX/XXXX to cover the full amount of the loan. They have received the payment as per title and escrow. The lender is a very desorganized company. I have had several similar issues with this lender. It is impossible to get any assistance from anyone within this corporation. They do not have the consumers ' best interest in hands. They need to be reported and someone needs to do something about them. This company needs to be reported to protect the consumers. This is not right.
Product: Credit reporting or other personal consumer reports

My information was used on data breach under law 15 USC 1681
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. These account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX  IM BEING CHARGED DOUBLE. 


XXXX XXXX XXXX XXXX IM BEING CHARGED DOUBLE. 

15 USC 1681 SECTION 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) any other adverse item of information, other than records of convictions of crimes which antedates the person shall not furnish information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

XXXX XXXX made an inquiry on my credit report without my permission and Transunion allowed them to. I am getting the run around from both XXXX XXXX and Transunion on why this happen and to cease this from happening in the future. After speaking with the XXXX person, XXXX, at XXXX and being hung up on 4 times he told me to contact you.
Product: Money transfer, virtual currency, or money service

I setup an account with Coinbase and invested XXXX GBP. I made a little money buying virtual currency and sold the stock which is now valued at XXXX Euros. I have tried to withdraw this money and the company are not allowing me. 
I have emailed them, tweeted, and getting no reply. I think this is a scam company
Product: Credit card

Wells Fargo Card Services XXXX XXXX XXXX XXXX XXXX, CA XXXX Dear sir, I have received a letter from one of your company offices, addressed Credit Bureau Dispute Resolution XXXX XXXX XXXX XXXX, XXXX, MN XXXX, with subject Additional information needed to address credit dispute ( Dispute ID Number : XXXX ). I would like to answer the questions written in that letter, even though it is not clear whether I tried to dispute ; since I do not have any account with your company, even with my business. I will answer what your company office worker has asked in it below : FULL NAME : XXXX XXXX COMPLETE ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NJ XXXX FULL ACCOUNT NUMBER IN DISPUTE : Unfortunately, all my business account with Wells Fargo must have been closed last year ; therefore, I can not ask this question. Your company should check the past data to verify this. 
SOCIAL SECURITY NUMBER : XXXX DATE OF BIRTH : XX/XX/XXXX of XXXX  DESCRIPTION OF SPECIFIC INFORMATION WHICH IS INACCURATE IN THE CREDIT REPORT : Since I do not have any accounts with your company, I can not tell the reckonable discrepancy in my credit reports. 
DOCUMENTATION OF IDENTITY THEFT : Enclosed. 

Since your office worker kindly advised me to take a secure method when sending confidential information to above mentioned address, I have decided to use TamperSeal to keep the confidentiality of this letter and identity theft report, instead of email. 
Sincerely,
Product: Mortgage

XXXX of 2015 Quicken Loans agreed to a short sale of my home located at XXXX XXXX XXXX, XXXX Mi. XXXX. As part of this agreement, Quicken Loans included in the contract that I would receive {$1000.00} if my home were to sell by XXXX XXXX, 2015. The sell of the home took place on XXXX XXXX, 2015. As of today I have not received one penny of the {$1000.00}, which is 5 months after the sell of the home. I spoke to XXXX XXXX at XXXX XXXX weeks ago and receive no resolution. 
Dealing with Quicken Loans has been one of the most frustrating and stressful experiences I 've ever had with a company. They talk about service and doing everything they can for their customers, but in the end they care nothing about customer service. If a company signs a contract, they should honor it.
Product: Credit reporting or other personal consumer reports

In accordance with fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX ACCOUNT NUMBER XXXX 15 USC 1681 section 602a. States I have the right to privacy.

15 USC 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) section states : no consumer reporting agency May any consumer report containing any of the following items of information any other adverse item of information other then records of convictions of crimes which antedates the report by more than seven years.

15 USC 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: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX Account number : XXXX Account name XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXX Account number XXXX XXXXXXXX Account name XXXX XXXXXXXX XXXX Account number : XXXX Account name XXXX XXXXXXXX XXXX XXXX XXXX Account number : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquires have been posted on my credit report without my permission, which violates my rights. 

15 U.S.C. 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022 requesting the investigation, verification and update of these suspicious accounts I found on my Credit Reports. I think that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against the 3 Credit Bureaus because because of their willful non-compliance of the dais FGCRA statute. These accounts were already included in my prior complaint last XX/XX/2022, and I'm including it again. The following accounts : XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$6600.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$23000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} ; must be updated to reflect accurate information on my Credit File.
Product: Debt collection

I XXXX XXXX was a victim of identity thief and therefore these collections were placed on my credit file fraudulently. Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you
Product: Debt collection

LVNV Funding LLC added a debt to my credit reports. First of all LVNV Funding did not notify me before adding this debt to my credit reports. Secondly, the account and company LVNV is representing is in litigation. Finally, LVNV funding did not give me an opportunity to dispute this debt. All of these are in violation of the FCRA. My next action is to file a lawsuit against LVNV Funding, LLC.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my wife and I sent a letter to XXXX, XXXX, and Trans Union. In our letter, we disputed several accounts reporting inaccurate information. It was our understanding that the credit bureaus are required to investigate the disputed accounts, and respond back to us within thirty days. Thirty days have long passed, and so far, we have only received XXXX 's responses from XXXX  and Trans Union. The other four we should have received have not arrived yet.
Product: Checking or savings account

Between XXXX someone took {$6200.00} from my account at different ATM/ and in Branch. Bank says they used my debit card and PIN number Which I have in my possession so they do not consider a fraud. I asked to see the camera footage but they denied it. 
XX/XX/2023 - XXXX XX/XX/2023 - XXXX XX/XX/2023 - XXXX x 4 times XX/XX/2023 - XXXX XX/XX/2023 - XXXX XX/XX/2023 - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was rejected for a credit card as Experian told lender that I did not have any credit history. 
I am XXXX XXXX XXXX and have an extensive credit history with high ratings XXXX scorefrom XXXX and XXXX. 
I contacted and spoke to 6 people at Experian and they all said nothing to be done. All inquiries are told that I have insufficient credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in dispute letters to experian dated XX/XX/XXXX indicating that a account reporting to my credit report was not mine. The account was from XXXX opened on XX/XX/XXXX with a balance of {$4700.00}. Its been well over XXXX  days and i also sent them a follow up letter and have not received any progress.
Product: Credit card

Wrong information on credit report. Company is double reporting negative information with no legal right to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Experian, XXXX, and XXXX on XX/XX/2020 to notify them of the accommodations provided by the newly passed HEROES Act in relation to my credit report. 

After the allotted time, there was no adjustment made to my credit report from either agency with regards to the properly submitted documentation and in honorable of the Moratorium. 

After contacting each bureau I was instructed to contact CFPB and file my complaint. 

HEROES ACT Section 110401 is a Moratorium on negative credit reporting during COVID-19.