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

Over the last year I have been dealing with an unauthorized inquiry from DISCOVER FINANCIAL. Reporting an unauthorized inquiry. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house hold purposes. The inaccurate reporting have damaged my livelihood. 

I contacted DISCOVER, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. They admitted on there recorded phone line that I XXXX XXXX never had a application nor an account with DISCOVER FINANCIAL SERVICES. 

I also contacted XXXX, XXXX, and XXXX. Which each company placed blame on the other and advised me to call the CREDITOR and call the CREDIT BUREAU. Call the CREDIT BUREAU call the CREDITOR. It became very immature and aggravating. I was not able to get any sufficient answers nor any resolution. 

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this 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 from my credit report and send me an updated copy of my credit report. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

According to 15 U.S. Code 1681s2, XXXX XXXX has a duty to provide accurate information to the consumer reporting agencies. It is prohibited by law to 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

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

My complaint concerns a disputed charge on my credit card from CITI bank. 

A fraudulent charge was made on my credit card on XX/XX/XXXX to XXXX XXXX XXXX for XXXX. I reported it to the credit card companys credit card services on several different occasions after receiving a call from their collections department in mid XXXX. Since then I have contacted them on four different occasions, most recently on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, to find out why this hadnt received a security credit as it had in the past. CITI had given me a security credit when this exact same incident occurred on XXXX XXXX with the same amount and the same XXXX XXXX. When I have talked to them they have repeatedly told me that the charge has been credited, but it still appears on-line on my statement and now I'm getting late charges. They have also closed my account. Each time I have spoken with them for over a half hour, but I cant seem to get this resolved. I have also included the information they asked for from the first time this happened on XX/XX/XXXX as well as pertinent account information They give the following address : Citibank Customer Service XXXX. XXXX XXXX XXXX XXXX, SD XXXX
Product: Credit reporting or other personal consumer reports

I have been going through troubling times. I haven't been able to receive any financial help through my credit due to false information reporting on my credit. My Credit has several Inquiries reporting that I have no knowledge of. Every time I explain my situation to the Credit Bureau 's and explain that I have no knowledge of these accounts they say they will fix it but nothing has changed. I am trying to get approved for an apartment so I can get MY kids and myself into a better living condition but this is the only thing that detriments me from getting approved. 

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
Product: Credit card or prepaid card

On XX/XX/2023, I obtained a car insurance quote from XXXX  online thru XXXX Within a few minutes I was dissatisfied with the new Police and called XXXX  to cancel it. The XXXX Car Insurance Policy effective date would have started on XX/XX/2023. Since my current XXXX Policy was due to expire on XX/XX/2023. 
I contacted the Apple Card - card I used to make the payment in full of {$510.00} and they started a dispute on the charge. 
As of today, Apple Card is holding the {$510.00} against my credit balance and XXXX has informed me that they never received the {$510.00} because the payment was declined by Apple Card on XX/XX/2023. 
Apple Card sustains that XXXX received the payment of {$510.00} on XX/XX/2023.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$0.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. XXXX XXXX  XXXX XXXX
Product: Mortgage

Shellpoint Mortgage charged me {$170.00} for an appraisal fee because I requested a loan modification. I understand that an appraisal is only REQUIRED when attempting sale. The investor can opt to have an appraisal done but it has no bearing on a loan modification and it should not be charged to me and I should not be responsible to pay for it. I was approved for the modification but declined it. I have requested this fee be removed from my account each month for the last 4 months. I have written several times to loan servicing. I have spoken to XXXX XXXX, Account Representative, who has lied to me each time by informing me that the fee was removed and will appear as a credit on the next statement. This fee remains on my statement and no credit has been applied to my account. See my current XX/XX/XXXX statement attached. I called Shellpoint again today, XX/XX/XXXX, XXXX XXXX PST and the representative that answered the phone researched my account and informed me that her supervisor said I need to request in writing to have this charged removed. I have already done that several times. This is the sub-standard, non-effective administration that I experience with this company on each and every issue, all the time, for the the entire time they have serviced my mortgage.
Product: Credit reporting or other personal consumer reports

Let me get to the point, I have notified you countless times of the errors on my credit report but to no avail, my repeated requests to have these deleted on my credit is ignored/disregarded which is a clear violation of my rights as a consumer. Your continued reporting of false and inaccurate information on my credit has negatively impacted all aspects of my life, I'm having a hard time securing new credit applications because of your negligence, this is really frustrating.
Product: Credit card or prepaid card

Comenity Bank XXXX took automatic payments from my bank account on XX/XX/21 in the amount of {$2400.00} twice. 

I called their customer service number and a representative told me they would refund XXXX of the {$2400.00} payments back to my bank account which posted on XX/XX/21. 

I received my XXXX monthly statement and observed that they added back {$2400.00} ( date of entry XX/XX/21 ). They have now billed me XXXX times for the {$2400.00} and only credited me once. I tried to explain that they made an error and neither the customer service rep or her supervisor would listen to me, stating I'm not looking at the statement correctly and that if I needed help, I could get someone I trusted to look at it. I replied that I am not mentally incapacitated and that if they looked at this carefully they could see that I am getting charged {$7200.00} for a {$2400.00} charge. The supervisor hung up on me.
Product: Student loan

I have autopayments set up with my loan service provider, Nelnet. On XX/XX/XXXX it came to my attention that my XX/XX/XXXX automatic payment was not properly handled, causing me to be {$13.00} short on XX/XX/XXXX. I paid the additional amount online and also called Nelnet customer service. They informed me that the automatic payment had only been applied to 2 of my 3 loans. They also assured me that the problem was fixed and there would be no late fees or impact to my credit score. 
On XX/XX/XXXX, I logged in to check that my XX/XX/XXXX autopayment had been properly applied. It had not been processed and showed that I now owed {$73.00}. I called Nelnet, again, and repeated the process from the week prior. They submitted a ticket to reallocate the payment. They say there will be no late fees or credit impact before XX/XX/2024. 
I have no control over where the automatic payments are allocated. This company is a complete sham taking advantage of taxpayers and student loan repayers.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX XXXX XXXX  due to the inadequate customer service and unfair practices which violate the Consumer Financial Protection Act. Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they didnt comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

XX/XX/2020 Complaint to the Customer Protection Financial Bureau regarding CitiBank. 
While retired for 7 years, I was an executive in the financial service industry with a focus in internal audit and compliance. I find this story truly outrageous. 


SUMMARY A {$230.00} merchant transaction occurred in XX/XX/2020, and upon receipt of the product it was deemed not as described. The merchant was contacted the next day in writing and an auto response email promised to address the matter. This was followed by several more written communications to the merchant asking for assistance and resolution. The merchant did not respond to any of my communications or make any attempt to resolve the matter. 

The charge was then disputed with my credit card provider - CitiBank. CitiBank was provided with copies of all the failed merchant contact attempts. 

Ultimately, the merchant simply ignored the issue and falsely asserted to my credit card provider that they had zero contacts with the  customer ( me ). 

Eventually, CitiBank closed the dispute by stating we can not mandate that the merchant issue a credit outside their terms and conditions. However, neither the merchant or the credit card provider has communicated what terms or conditions were not met. 


DETAILED DESCRIPTION Read first the attachment titled " Complaint Detailed Description '' for dates and chronology The Complaint Detailed Description is fully supported and evidenced by the attachments A, B, C and D.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

My mother had used my social security number to have electric turned on at her residence ( dates im unsure of ) between XXXX XXXX XX/XX/XXXX. I believe somewhere in this time frame is when the fraud had taken place. she did this XXXX separate times. I had NEVER given her permission to use my personal information for her home services. Now that i am married and have XXXX children and we are trying to clear our credit up and do the appropriate steps in order to eventually buy a house and start our life its impossible right now with all the debts i owe that were never because of me. she has made it impossible for me to have a bank account without having crazy stipulations. Also she has used my social at her place of employment for about 2-3 year so it looks like a worked there and then claimed my daughter in those 3 years on income tax. she was able to use my social because he has it memorized just like she has with all my other siblings. My sister is dealing with a few of the same things i am dealing with now due to my mother having stole and used her identify unlawfully. so moral of the story she has stolen my identity and has put a lot of debts into my name that i myself have never done.and now i am looking for help to resolve this issue. i have filed police reports and im trying to figure out where to go from there.a police officer has emailed me this link in order to start the process started.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received an e-mail from XXXX Bank telling me that my checking account was overdrawn by {$3900.00}. When I checked my account statement, it told me that Barclays had made two {$4700.00} debits for my XXXX credit card payment. I checked my Barclays account to confirm that I had scheduled only one payment. I called Barclays to ask what had happened and the customer service rep said that there had been a computer problem, they were looking into it, but that there was nothing they could do to return the money to XXXX. The second payment to Barclays was not authorized. XXXX tried to stop the payment and I have to call XXXX to find out if they could do so.
Product: Credit reporting or other personal consumer reports

My account with the following occupancies were never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement includin
g the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

The following companies never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Disputing Information in Credit Report I am writing to dispute the following information that XXXX XXXX  supplied to Experian, XXXX and XXXX credit bureaus ; whose report has incorrect information that has not been updated in reference to XXXX  Accounts ( XXXX open XXXX XXXX & XXXXopen XXXX XXXX ) that I previously had with XXXX. 


Prior to the Pandemic I had Impeccable Payment history XXXX credit score, I value being a financially responsible client. However, during Covid-19 I suffered from a major hardship, I had a great XXXX  in my family and I lost my former husband, who at the time was my primary source of income. I also was laid off from my Job due to major cutbacks. Being a Widowed wife and a mother of XXXX It was hard to meet all my financial hardships. Nevertheless, I did not want to neglect my financial obligations. In XXXX I reached out to XXXX in reference to XXXX  Accounts that I had at the time and requested Hardship options, I agreed to do a settlement with your company, hence each account was paid. I was informed that the account would be kept current, no late payments will be reported due to me agreeing to settle the account. According to the Cares ACT, the CARES Act states if you make a debt-relief agreement, that creditor must continue to report the debt as current. Therefore, no late payments should reflect my credit file during that time. I contest that XXXX remove all late payment history as soon as possible to be in compliance with the federal law. To ensure that creditors adhere to the Federal Law which prohibits Negative Credit Reporting according to The CARES Act signed into law on XX/XX/XXXX, Act to amend Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during COVID -19crisis. ( 15U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) This has been an ongoing issue. I have reached out to them in XXXX, XXXX, and just recently XXXX XXXX via dispute through my credit bureau, however both accounts remain the same inaccurately Late Payment history. 

Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed late payment items as soon as possible.
Product: Student loan

I called them about what appears to be a misapplication of my payment. No one could appropriately explain to me what the issue was and the one person who tried to sent me to another department to get it resolved but I was left on hold for over 2 hours. I am currently being charged interest on loans that should be paid off or nearly so. It looks like they are over charging me interest or penalizing me for early pay off in some manner.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( XXXX, XXXX, TransUnion ) credit report, and Ive noticed some late payments posted on my credit report. 

( Account- XXXX XXXX XXXX XXXX Report # XXXX ) Your company is in clear violation of the law ; Under 15 USC 1681 ( b ) permissible purpose of consumer reports, The Law Clearly States : ( a ) In General : 1 ) -Subject in subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) -In accordance with the written instructions of the consumer to whom it relates Did I give you written instructions to furnish this account on my credit report?

Furthermore, The Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( A ) ( I ) exclusions from a consumer credit report clearly states : ( 2 ) Exclusions- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject to section 1681 s 3 of this title, any- ( I ) Report containing information solely as to transactions or experience between the consumer and the person making the report Please DELETE the above late payments from my consumer credit report as this agency is in violation of 15 USC 1681 per The Fair Credit Reporting Act.

Failure to respond satisfactorily with deletion of the above referenced account ( s ) late payments, and send out a free copy of my credit report after the changes have been made will result in legal actions being taken against your company, for which I will be seeking {$1000.00} per violation for : 1 ) Defamation of Character ( per se ) 2 ) Negligent Enablement of Identity Fraud 3 ) Fair Debt Collections Practice Act 15 USC 1692 ( G ) violations 4 ) Fair Credit Reporting Act 15 USC 1681, violations for willful noncompliance- 616. Civil liability for willful noncompliance ( 15 USC 1681 n ) Best Regards
Product: Credit reporting, credit repair services, or other personal consumer reports

I have discussed with thecompany before about conflicting information on my credit report when it comes to a XXXX record. They placed a public record dated XX/XX/2018 on my credit report. The company had a XXXX record showing on my report dated XX/XX/2018. The XXXX record is not valid and I could not verify what equifax verified. The court, which is the provider of information think that equifax gets there information from a third party and agreed with me that, when it comes to verifiing information it needs to come from the courts. My report is not true due to the provider of information is not listed on my report. I have a old letter that states that they do not provide information to credit bureaus unless they request the proper way. When I talked to equifax they told me they get there information from a third party and they get their information from a public database which is not how a dispute should be resolved. FCRA says all information reported on a consumer 's report should installed based on the original provider of information being able to attach that information to the consumer using basic identifying information which maybe physical documents such as a court orders from the court with a stamp of a date to show the date it was verified by the court and if it was a company who is claiming debt is owed there should be no problem for equifax to obtain contracts with signatures on it. My problem is the information listed on my report is not the place I can contact for my concerns when equifax and the provider have conflicting information. Also they are not getting information from the provider of information and they are saying they are by putting the XXXX information on my report and they clearly are not the provider. According to fcra laws my report is protected by requiring equifax to get the information from the courts since they put the information in a public database and they are not doing so. The data can have several errors and I want my information correct.