23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  acct was fraudulently open in my name in XX/XX/2019. This occurred during the time of my identity being compromised. After discovery I contacted creditor to make aware of the fraud. I advised them of the identity theft. They then proceeded to close the card to prevent it from further use. At this time, I contacted the bureaus to have them aware of this. I put fraud alerts, froze my file, also contacted identity monitor along with filing law enforcement report, CFPB as well.I thought I was ok. Years passed, I realize its still reporting to my credit. XXXX XXXX CARD DID NOT CLOSE MY ACCOUNT AS PER DISCUSSION, THEY CLOSED IT OFF AS A CHARGEOFF AS A BAD DEBT AS IF I WAS LIABLE FOR THESE CHARGES. THEY WERE AWARE OF FRAUD, ITS WHY THEY CLOSED CARD POST INITIAL INTERACTION. I AM COMPLAINING TO XXXX XXXX  AND XXXX, EXPERIAN, XXXX BUREAUS SHOULD HAVE REMOVED IT DUE TO FRAUD. SHOULD DELETE, THIS IS FRAUD! XXXX IS FALSELY REPORTING ON MY CREDIT, ILLEGALLY FRAUD!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an unauthorized hard inquiry that appears on my credit report. The inquiry was made without my knowledge or consent, and I request that it be removed immediately As this inquiry was unauthorized, it is negatively affecting my credit score and does not reflect my credit activities. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information, and I request that you investigate this matter and remove the inquiry from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

I should be over drafted a little over {$300.00} but PNC is taking advantage of eveything and has charged so many overdraft fees i dont know how ill recover. Where it sits PNC has my account overdrafted almost {$600.00} most of which is overdraft fees charged over and over. They refuse to help me and refund such fees to allow for me to be back on my feet. My family is going without food and our water is about to get shut off because when my check does hit its not going to cover anywhere near what PNC has charged to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in relationship to the recent claim XXXX. I forgot to attach pertinent files showing that XXXX  XXXX XXXX recently reported that I had two additional missed payments in XX/XX/XXXX and XX/XX/XXXX in-spite of the fact that I paid on time accordingly and I am on a hardship program with no late fees nor deadline restrictions for monthly payments as long as it is paid within the 30 day mark. I have also noticed that they have aggressively targeted me as a point of retaliation and have gone ahead an illicitly closed my account. The number of delinquencies need to be investigated and expunged from my credit report. Thus, the comment below from their XX/XX/XXXX is false. 

" We have determined with our research that there has been no error in the reporting or handling of your account. The account became past due as reflected on the enclosed monthly billing statements ; therefore, the delinquency that is reported on your credit file for XX/XX/XXXX and XX/XX/XXXX is valid. Additionally, we have confirmed the account has not been reported 60 days past due as of the date of this letter. XXXX  XXXX XXXX doesn't manage your Fair Isaac Corporation (  FICO ) score and you would need to contact the national credit reporting agencies for information regarding your score. '' Why would the bank take up so much time to report to this particular issue? Whereas, if a client misses a payment and pays within 30 days or before 60 days, their account is reported as delinquent and their credit worthiness is ruined for 7 years. They refused to honor my goodwill letter last year and have gone ahead and further damaged my credit leaving me without the ability to borrow or finding suitable employment. Now I have to remain abroad for seven years to find work. This is an unfair mistreatment.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was 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 in XX/XX/year> 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 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, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Mortgage

I had a countrywide home loan. After several years of not paying wind insurance, they sold the loan to Bank of America. Bank of America added over {$14000.00} to my mortgage for bank-placed wind insurance when it was not required. I also got behind and used a program twice to get me back in good standing but they would always find excuses as to why they wouldn't accept payments. So they wouldn't accept them, and kept adding late fees. Eventually the loan was sold to XXXXXXXX XXXX. and when I sold my house ( did not foreclose ) for {$600000.00} I actually had to come up with money to close when my mortgage was originally {$300000.00}. They took advantage every way they could to rack up the bill. I was in the house for about 15 years.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986,  s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
Product: Credit card or prepaid card

After recently reviewing my credit report, I took notice that the above-mentioned account is currently in Charge Off status. I sincerely would like to take care of this account as soon as possible. 
Due to illness, Iunfortunately got behind on my payments and was unable to meet my obligations. However, since then my situation has greatly improved and I am in the position to recompense this debt. 

I am willing to pay MACY'S/DSNB ( {$360.00} ) provided that the above account is updated on all credit reporting agencies to state : PAID AS AGREED, or completely removed from all credit reporting agencies upon my final payment. 

I am not agreeing to an updated credit report that states this account as : PAID CHARGE OFF or the like, as this will not significantly increase my credit score, nor will it reflect my sincere willingness to restore my good name and hopefully, someday, again do business with your company. 

Your written response will serve as an agreement to my proposal and I will pay. Thank you very much for your valued time.
Product: Credit card or prepaid card

I called Citi on XX/XX/2020 for my Premiere Card, considering to close it. The Rep persuaded me to switch to Reward Card, and I can transfer my approximate XXXX points to the new card. 

I told the Rep that I would to use the points to book a flight very soon, and I can use the 25 % extra travel bonus for purchasing the flight, I want to make sure that I do not lose it by transferring it. I emphasized it that I do not want to lose it, so the Rep put me on hold to double check it, coming back to reassure me that as long as I use it in 14 days, the 25 % travel bonus will still apply. With that promise to me, she switched it using the same credit card account number. 

On XX/XX/2020, I wanted to book the flight, I was surprised to find that I lost the 25 % travel bonus by switching it. I started calling/live chat Citi, every time I called them, I had to repeat the same story, and then being transferred here and there. I started faxing Citi letters and proofs. I told them that the phone conversation was recorded on XX/XX/20 ' ( XXXX XXXX  PST for 41 minutes ), the Rep misled me, I wanted Citi to fix it. 

I may lose more or all benefit with time restriction, and I need to book the flight now, I asked if they can call/email/fax me their responses, but they only sent me letters, which usually took a week. They would not even faxed me the letter before mailing out. 
Per their request, I had recently faxed them the Premiere Card 's Directory of Service to show the 25 % travel bonus and a statement with my name on it. I got the response today basically saying that nothing was wrong, if I still have the dispute, call them! 

So more than a month had passed, I still could not resolve the dispute. I started wondering if Citi wants to delay it until I lose all points? If I exceed the time restriction not using the points, I could forfeit all points. Citi never mentioned the recorded phone conversation in their response to me, even if I asked them to listen to it more than once ; so, the recording is only used it in their favor? when it is not, then just ignore it?
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XXXX XXXX, and noticed some things are incomplete and not accurate. According to the FAIR CREDIT REPORTING ACT, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual to whom the report relates. These accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these are not complete and accurate, and also showing up on my report as negative items and I would like for them to be deleted and removed from my credit report immediately. 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. According to 15 USC 1681e ( b ), the open date, /date last active is not accurate. - DELETE ACCOUNT IMMEDIATELY FOR VIOLATION OF 15 USC 1681s - 15 USC 1681e ( b )
Product: Payday loan, title loan, or personal loan

Company Name : Experian Account Number : XXXX Amount : {$0.00} This account is paid and is reported on my reflecting 60 days past due on XXXX, and paid was past due 60 days on Experian 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received letter dated XX/XX/18 from XXXX XXXX XXXX stating credit score of XXXX from XXXX. I havent applied for any service from XXXX XXXX XXXX and have excellent credit. I keep a freeze on my credit from 3 main agencies since all social security numbers were compromised in XXXX XXXX a few years ago. Why did my credit get run without me applying for something? I cant get any answers from phone calls attempted. Also, address is incorrect on letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CHECKED MY CREDIT AND NOTICED THAT POSSIBLE FINANCE PLACED A FRAUDULENT ACCOUNT ON MY PROFILE WITH XXXX AND TRANSUNION FOR THE AMOUNT OF {$60.00} PLACED LATE PAYMENTS ON THIS ACCOUNT AS WELL. THIS ACCOUNT SAYS PAID BUT XXXX IS NOT MY ACCOUNT AND NEEDS TO BE REMOVED! I ALSO SAW THAT THERE WAS XXXX STUDENT LOANS THAT WERE PLACED IN MY NAME THAT ARE ON MY PROFILE AND IN FACT FRAUDULENT! THOSE STUDENT LOANS ARE DP OF EDUC DPT ED/NAVI! NEXT, I GOT AN EMAIL ON XXXX THAT MY INFORMATION HAS BEEN CHECKED AND I HAVE RECEIVED MULTIPLE INQUIRES THAT AREN'T MINE AND IN FACT FRAUDULENT! THE INQUIRIES ARE FROM XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LASTLY I HAVE A FRAUDULENT INQUIRY FROM XXXX XXXX XXXX FROM XX/XX/XXXX ON MY XXXX REPORT. I HAVE NOT APPLIED FOR CREDIT ON XX/XX/XXXX OR XX/XX/XXXX! 

I WILL BE SUING FOR DAMAGES IF THESE ACCOUNTS ARE NOT REMOVED IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Today is XX/XX/year> FRIDAY.I am having trouble with a debt collector that is in Violation of the Fair Debt Collection Practices Act 15 USC 16921692p. TRANSWORLD SYSTEMS INC needs to follow the FDCPA. Violation of Arbitration Agreement : The debt is subject to a binding arbitration agreement with XXXX XXXX XXXXXXXX, which has not been honored, constituting a material breach.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Student loan

This is an appeal to have the Department of Education include periods of forbearance for XXXX XXXX XXXX XXXX in the new rule changes/waiver process. This is due to misleading and inaccurate information provided by the loan servicer Fedloans which told me after I broke my back that no other payments options existed and informed me if I couldnt pay to go into forbearance- which I had to do multiple times between XXXX and XXXX due to the setback financially from my medical recovery and PT appointments. If I had been informed that ai could make lower payments those payments would now count towards my 120 months for forgiveness. Fedloan has provided deceptive guidance to borrowers for years to gain compound interest after forbearances without providing any other solutions to those trying to obtain PSLF. I have been employed in public service since XXXX, and have been paying on my loans through various payment plans since, but due to the forbearances I was told was my only option when I had financial hardships, I still have almost 4 more years till I can be forgiven- having my student loans for almost 19 years and because of the compound interest- owe double what ai borrowed to begin with. This is predatory tactics for financial gain of Fedloan servicing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached 2 FTC report with Fraudulent inquiries, please delete these fraudulent inquiries
Product: Mortgage

About 2 years ago I refinanced a commerical property with US BANK. Around last XXXX they came back and said they need to do additional paperwork to match the loan to title. For 6 months I provided requested information. I went in to a branch last fall to sign the new documents. AT ALL TIMES I WAS TOLD THIS WAS JUST FIXING THE PAPERWOR AND NO CHANGES WERE BEING MADE TO THE LOAN. They had me come back around XXXX of this year to sign even more documents. Then in late XXXX, XXXX again said he needed more documents signed. I was busy and couldn't get to it right away and XXXX said he needed them ASAP and would even come by and pick them up. So i went to sign but read the documents first. They attemped to MODIFY the note by adding in a PREPAYMENT penalty that was not in the original loan. This was stuck in the middle of a bunch of other RUSH signings. At no time was I told that they would be modifying the note. I responded that I would not sign the amendment because it was a fraudulent attempt to modify the note. 

They also have falsy reported negative information to the credit bureaus. I tendered payment in full and on time. But UNKNOWN to me, they changed the loan number. And US BANK rejected my payment. This was discovered and corrected. But they not only reported a late payment ( wrongly ) but they haven't fixed it and now there are 60 day late payments. My credit score dropped almost XXXX points and i was denied credit ( this is how i found out ). 

And this doesn't even begin to relate a separte major screw up on their credit card/banking side that took me 9 months and cost my thousands just to get them to fix their problem. 
And now I HAVE TO SPEND MY TIME FIXING THEIR PROBLEM. XXXX has gone SILENT. He hasn't responded to my communications. They are ignoring the problem they caused. 

Another Complaint : US Bank credit card reps ignored mutliple direct demands not to withdraw money out of a closed account because there was no money in the account. They did it anyway causing an overdraft. US Bank credit card side DOES NOT COMMUNICATE AT ALL to their banking side. I spent over XXXX hours on the phone on multiple occasions, went in to TWO branch offices and was ALWAYS told that they would take care of it. NO ONE DID ANYTHING. But of course i got multiple threatening letters telling me i had to pay it. I wrote emails and letters to branch managers and regional managers before i got this taken care of. AND I STILL HAD TO PAY THEM MONEY I DIDN'T OWE THEM! And this isn't 1/10 of what i had to go through. Complete incompetence at every level. They simply ignored me and demanded that i pay them. 
And now I HAVE TO SPEND MY TIME FIXING THEIR PROBLEM. XXXX has gone SILENT. He hasn't responded to my communications. They are ignoring the problem they caused, AGAIN
Product: Debt collection

I was covered for my medical bill did not know the hospitol and doctors billed differntly and got send to collections when i speacked to collections they were not trying to help or understand my situaction very rude and did not help me at all.