23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I recently reached out to Transunion about unauthorized inquiries I found on my report. The agent I spoke to told me to file a police report for fraud. I went to the police department here in XXXX, XXXX. I informed them of the fraud on my credit file and that I did n't give anyone permission to use my information. The desk sergeant told me that no crime was committed. She stated until I received a bill in my name, that there was nothing they could do about it. I spoke with Transunion yet again and was told to file a complaint here. 
This is the list of inquiries that Transunion refuses to remove that I did n't authorize. 
XXXX XX/XX/XXXX, XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX. 

Due to never being supplied with verification nor validation of inquiries, I would like for them to be deleted according to the FCRA.
Product: Mortgage

I closed on my apartment XX/XX/2020. I had a mortgage with PMI  with Wells-Fargo. 

I just looked at my payment history for the loan and found that Wells-Fargo charged me for three months of PMI payments on XX/XX/XXXX, after closing, deducted from my escrow. I believe one month is the max they can charge. 

Please inform me and make Wells Fargo refund any over-payment.
Product: Credit reporting or other personal consumer reports

I am falling complaining against Equifax for failing to properly investigate my dispute regarding inaccuracies in my credit report despite my submission Equifax consistently responds within 24 hours a day that the account is accurate without providing any evidence of through investigation this practice violates the Fair credit reporting act FCRA15 USC section code 1681i which mandates a reasonable investigation of disputes for more Equifax action may also contravene the consumer financial protection act CFPA 12 USC section code 5536a1a-b AS highlighted in the CFPB recent administrative proceedings file number XXXX against them similar violations I request that CFPB take action to assure Equifax complies with federal laws and provide consumer what they're necessary proof and investigation these are the account that I've marked as inaccurate below XXXX account number # XXXX amount 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

ALL 3 " CRA '' REPORTING INCORRECT XXXX XXXX XXXX DATA OF PUBLIC RECORDS BANKRUPTCY CH XXXX NOT MY ACCOUNT
Product: Checking or savings account

On XX/XX/XXXX {$300.00} was withdrawn from a joint checking account with my wife for payment to SSA Treasury. On XX/XX/XXXX, {$170.00} was withdrawn from the same checking account for payment to Treasury. The reason I was told is that my father needed to repay a SS check that was issued to him in error after his XXXX. I was told the bank had the authority to go into a joint account with my wife since I had a joint account with my father. I was also told that they could so without any notification on the banks part. 
I have asked on 2 occasions that they provide to me in writing the rule/regulation that allows them the authority to do the above and what authority allows them to do so without notification. 
The bank has not provided that letter after 2 requests. 
The bank is Santander Bank. 
The joint account is XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax dropped my entire credit card history ( >25 years ) from my credit report early XX/XX/2020, resulting in a significantly reduced credit score ( Other agencies did not have this issue, my credit score with those agencies remained consistently at the excellent credit score level ). As a result of this error one of my credit card was canceled, because Equifax notified the credit card company. To date Equifax has not provided an explanation about what happened, they did however finally restore my credit history. Given we have been impacted by the Equifax data breach I continue to be very concerned about the cybersecurity and data integrity of Equifax. I am not sure what options I have to compel Equifax to provide an explanation. I would encourage you to provide greater oversight of Equifax, as they dont appear to have learned from the data breach. Thank you.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

There is a collection from XXXX misreporting a balance to XXXX and Equifax that was included in a bankruptcy I filed in 2018. The account is also being re-aged to appear newer than it is. This is bringing down my credit scores and making it difficult to get a loan.
Product: Debt collection

This Transfinancial collection agency has  XXXX  accounts on all  XXXX  of my credit files. I requested validity of the debt over 30 days ago and have n't received any information but they are verifying with the credit bureaus that the debt is true. They are not following the FCRA laws put in place by the federal government. I have a right to copies of my debt especially if I 'm disputing I never owed the original creditor. I 'm disputing with you all so I have grounds for civil action against them. This is my second attempt to get a resolution with this company.
Product: Debt collection

I have made several attempts to resolve an identity theft account from my credit with little to no assistance.
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Mortgage

Hi my mortgage with Bank of America, loan number XXXX, property is XXXX XXXX XXXX, XXXX XXXX NJ XXXX. I was discharged in a Chapter XXXX bk XX/XX/XXXX, the mortgage was included in the bankruptsy. The bank was to stop reporting the XXXX bk was dismissed. I shortsold the home for them after many attempts to modify the mortgage XX/XX/XXXX. XXXX issues XXXX the bank admits they was to stop reporting the mortgage XX/XX/XXXX, however continued to report until XX/XX/XXXX, they need to correct that with the credit vendors, they are well aware of this as they admitted it to me on the phone, yet have not corrected. Second issue is they have the home as a foreclosure in XX/XX/XXXX? It was not it was discharged in a bk XX/XX/XXXX, it shortsold through their shortsale dept in XX/XX/XXXX. This is damaging my credit as they have incorrectly reported it. I lost my job through the financial meltdown and had to do what I had to do. However due to their errors in not reporting the facts on my credit they are continuing to hurt my credit and cause me harm. I want it corrected immediately. I do n't want calls from them telling me they are working on it, I want it corrected. Its their fiduciary responsibility to report the affore mentioned events correctly and they need to be held accountable and get it right! 

Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

I paid off my loan in XXXX and US Bank never released the lien. My car was totaled on XX/XX/XXXX. I was offered {$7800.00} from the insurance company however since USBank never released my lien they wont send me the check. I have called USbank 5 times over the last month trying to get a lien release letter to send my insurance company. The first call was in XX/XX/XXXX Every time I call they ensure that the letter will be sent. One time promising a fax that never came. It has now been 7 weeks since my accident. I still dont have money so I have been without a car for this entire time. I just called USbank today XX/XX/XXXX and they told me its a 26 day SLA for the letter request! My car has been paid off for 5 years. How can they continue to hold a lien on my car?
Product: Credit reporting, credit repair services, or other personal consumer reports

The date of first delinquency on these accounts is XX/XX/XXXX. Unpaid medical collections stay on your credit report for seven years counting from the date of first delinquency. They should have been removed as of XX/XX/XXXX. 

COLLECTIONS XXXX XXXX XXXX Opened XX/XX/XXXX {$24.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX   Opened XX/XX/XXXX {$24.00} Original creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX {$110.00} Original creditor : XXXX XXXX XXXXXXXX I keep disputing this charge on my credit report. It is an old medical debt and because of the collections status I have been continuously denied credit lines based on the existence of these accounts on my credit report. Nothing happens and the date of the original charge is consistently changed so it never falls off. Disputes submitted on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX.
Product: Checking or savings account

My wire of {$27000.00} was blocked from leaving on XX/XX/XXXX. They closed my account on XX/XX/XXXX and said they would need 30-60 days to send me a check from my closed account. After a complaint to OCC they responded with Upon receipt of your inquiry, a thorough examination of our records and the circumstances surrounding our decision to terminate your account was completed. Per your deposit account agreement, Citibank reserves the right to close an account at any time and for any reason, with or without cause. Based on the way the account was being utilized, we are no longer able to service you as a customer ; therefore, your account has been closed. Our position on this matter remains unchanged. Our records show there are no remaining funds due to you. 
You can view your Deposit Account Agreement here or you can obtain a copy by speaking with a banker in a branch, by calling the phone number on the back of your Citibank Banking Card, or by calling XXXX ( XXXX ). 
Our records show that the wire in the amount of {$27000.00} requested on XX/XX/year>, was cancelled because your account was blocked. 


They claim I am owed no funds, but my wire transfer amount of XXXX was blocked from leaving the account. That is my money that I have not been able to access. For over three months.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX around XXXX XXXX. I contacted Justice Finance to inquired about an account that was unknown to me reporting on my XXXX credit report. The lady explained to me that the account was charged off and in order to clear the account I would need to pay XXXX. I told her that I am not admitting that I own this foreign account and that I am not certain that I am liable for this account. I then asked her how can they place something on my report as being charged off for XXXX, but then verbally tell me that it is XXXX owed because fees are still accruing on the account even though its charged off. After she began yelling at me about the account I asked to speak to the manager or owner. She tells me that she is the assistant manager. I then asked her for the number to their corporate store which she gave me and told me I would have to call them tomorrow. On XX/XX/XXXX around XXXX XXXX. who told me that she did n't know how to get around in the system to find the account and that she would call and let the owner in the store know about the rudeness of the lady. All of a sudden on XX/XX/XXXX I receive a credit inquiry alert saying that Justice finance did a credit inquiry for an application or loan. I then spoke to XXXX on XX/XX/XXXX and he was unaware of the incident and refused to remove the inquiry. I explained to him the reason the inquiry is on my report is because his supposedly asst. manager got mad because I asked her how can there be two different amounts for a charged off account and retaliated by placing an inquiry on my report. I explained to him it is no way possible I came into their store and did any type of application giving them permission to pull my credit. I spoke to XXXX and they refused to dispute it and told me I needed to contact the creditor to get it off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this inaccurate information to XXXX, XXXX, and Experian sometime in mid 2021 and the denied my request, but I included my Federal Trade Commission Fraud report and all proper I.D . I am in the process of disputing this issue again. This time I will include the police report and this complaint. Because I did not open or have knowledge of these accounts until my first dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in several written notices to Transunion, XXXX, and XXXX within the last year stating identity theft/fraud was committed on my account. The fraudulent accounts were never removed. The amounts in question are {$3700.00}, {$1900.00}, {$680.00}, {$620.00}, {$450.00}. I have obtained a police report as it pertains to identity theft.
Product: Credit card or prepaid card

Synchrony Bank closed my Care Credit credit card and notified me after it was closed. 

The reason they provided is because my credit score has changed and I was deemed as high risk. 

My Care Credit card has had a {$0.00} balance since XX/XX/XXXX when I paid off the card in full. 

My credit score was lower when I initially got the Care Credit card. Since getting my card my score has gone up and my debt has been paid down. 

They just approved me for a different credit card last month and provided me with a higher credit limit than the card that they closed. 

I hold another card with them that they did not close that currently has a balance. 

There have been multiple reports from customers of Synchrony reporting that they have had their cards closed without warning that currently have {$0.00} balance and haven't been used for quite sometime, with the reason given that it was due to their credit report. 

Closing someone's account without warning can damage a person 's credit score. The reason being provided does not hold appear to be accurate given the additional actions taken from the bank to decide on my credit worthiness. 

I called customer service to get further explanation but was told the only information they have is the same that's provided in the letter that was sent to me.
Product: Prepaid card

I have XXXX claims with bank of america. Bank of America even contacted me to assist with the forth claim of charges I had missed during this time that should have been included in initial claims. Bank of america has yet again denied all claims based on patterns of card use. I just received a letter from Bank of America that a freeze /hold has been put on my account due to suspected fraud. No changes have been made to this account since the fraud took place. So how is it that they are denying my claims because of pattern of use but now locking my account due to suspected fraud. Bank of America issued XXXX cards to My account to addresses that were not mine and I have provided proof of that to them. They did not change the pin to my account until XXXX of XXXX  allowing the person who was using my identity to have access to my account and blocking me from having access. The total is over XXXX they allowed someone to use off of my account and I reported the fraud immediately as and they continued to allow someone else access for over XXXX  months. I tried to get them to put a hold on the account and refused and now that I have filed police reports proven my identity and my residence they deny my claims but put a freeze due to suspected fraud. Bank of America has a XXXX liability claus on this product but is refusing to repay the money they allowed someone to steal from me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple certified written letters to all credit bureaus Experian, XXXX, XXXX asking for the removal of a 7+ year old auto loan that is being reflected as negative information on my report. They have refused to do so. As I am aware that consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years. I am submitting this claim in an attempt to have them fix this issue. It is important to note that XXXX, and XXXX removed the negative information i but Experian refused to do so. Thank you.
Product: Checking or savings account

Moved out of state and the account was still being used by someone else
Product: Credit card or prepaid card

XXXX Purpose : {$4000.00} Cash returned to me. 

My Citibank DOUBLE CASH credit card, They were closed on XXXX XXXX but my {$4000.00} cash rebate was not given to me. 

Request CFPB to help solve. 

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

My account with XXXX XXXX  XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 in 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 including 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. 


XXXX XXXX XXXXXXXX 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 card or prepaid card

On or about XXXX XX/XX/2020, I placed the amount owed on my credit card in dispute. Comenity Bank failed to place the amount in dispute. On or about XXXX XX/XX/2020, I received a letter stating that the amount was in dispute and that no fees or interest would be assessed to my account. On XXXX XX/XX/2020, Comenity Bank added an interest charge to the amount that was in dispute. On XXXX XX/XX/2020, on a conference call with XXXX from Comenity Bank and XXXX from Wayfair, it was obvious that in the last 2 months despite being told an investigation had been ongoing, Comenity Bank never conducted an investigation and continued to assess fees on an amount in dispute. During that call, XXXX from Comenity Bank heard that Wayfair did indeed fail to process a refund and that an additional credit would be applied - as I suspected and which was why I initiated a dispute with my credit card. I believe, as does XXXX, that when Comenity Bank broke away from Wayfair charges and pending refunds were not properly handled by Comenity Bank. I fear and believe that many other consumers were victims of Comenity Bank and that because of their tactics of delay and ignore and not do anything - many consumers have and will continue to be hurt by Comenity Bank.
Product: Checking or savings account

In XXXX Citibank allowed a fraudulent checking account to be opened using my name and address with someone elses social security number. They have not told me what proof of identification was provided in my name to open the account. This is something I would like to know so I can take action to protect myself. 

Citibank then allowed the perpetrator to cash my stolen IRS refund in the amount of {$6800.00} using this account. They did not require a signature on the check to cash it. 

Citibank refuse to address the identity fraud and close the checking account. They said that the person whose social security number was used must make the complaint, but they have not notified this person. Because the statements are being sent to me at my address there is no way for this person to be aware the account exists. I am the injured party, it is my name and address being used and my check that was cashed. I need your help to get Citibank to take action and close this account. 

Additionally, Citibank refuses to investigate the grand larceny of involving my stolen IRS check. I have completed the paperwork required and provided all the information they requested including an affidavit and a police report. They still refuse to address the matter or follow up with the police. 

The IRS has told me they have reached out to Citibank, but the banks Incident Reporting Unit / Risk & Fraud Operations has told me they have not received any communication from the IRS. Instead of engaging directly with the IRS, they are now requiring me to have the IRS send them Fraud Endorsement Claim. The IRS said this is not necessary, but the bank continues to refuse to act. I hold Citibank liable and expect them to reimburse me or the IRS for the stolen funds but I need your help to get them to engage.
Product: Credit card

Ensuring that payments are always made on time has been my practice with this account, preventing any occurrences of overdue payments. I'm puzzled by the presence of late payment remarks on my accounts and am unsure of their reasons. According to 15 USC 1666b - Billing Error, these remarks should be corrected.
Product: Debt collection

they are calling because i did not pay XX/XX/XXXX payment. i understand if they call my cell phone, but they do n't need to harass me at work.
Product: Credit reporting or other personal consumer reports

IM A VICTIM OF IDENTITY THEFT AND REPORTING THE FRAUD DONE TO MY PERSONAL INFORMATION TO CFPB, XXXX, TRANSUNION, XXXX, AND FTC. I HAVE ATTACHED FTC REPORT SHOWING ALL THE FRAUD DONE IN MY NAME, *****PLEASE READ FTC REPORT******
Product: Debt collection

XXXX XXXX has sent an outstanding bill to southwest credit systems lp. I have called and asked to prove it was me. they do not have any record of any contract signed or vany evidence other than buying the bill from t mobile. they insisted i call the carrier to pull the contract. which i did and talked to customer relations and they have no lease agreement or any signed contracts in my name other than a closed account which they sold and told me i could come open up an account. i am hoping to get this removed for it has killed my credit. i have been XXXX for XXXX  years. my phone number is XXXX.