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

Previous complaint : I have been trying to get a proper resolution to the problem and incorrect information reporting on my TransUnion Credit report. I have sent in disputes for the last several months and I keep getting a generic response that doesnt address my concern about the account reporting. I disputed the information reporting from XXXX. TransUnion keeps saying that they verified the information but wont tell me how and any information about how they came to that conclusion. There are so many things wrong with the information reporting. I also sent out my last letter at the end of XXXX and never heard anything back from them. I called to get more information and they said they never received it. 
Current complaint : I still have not received the proper response to my request for an investigation. I have a right to know how the information pertaining to XXXX repossession was verified, what information was used. The other two credit bureaus deleted this falsely reporting and unverified information, however TransUnion has not done the same.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX. : XXXX XXXX XXXX XXXX XXXX XXXX New Jersey XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.

You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

By obtaining my Experian consumer credit report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( " FCRA* ) codified at 15 U.S.C 16186 ( a ) 3 ( 1 ) ( i ). XXXX XXXX XXXX, 260 F. sup 2d711 ( S.D Ind.2003 ) I have not initiated any transaction with XXXX XXXX XXXX furthermore, I do not have an " account '' as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX XXXX for review for collection. 

Pursuant to 15 U.S.C. 1681n ( a ), " Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. '' By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered because of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C.168In ]. Should you fail or refuse to settle the demand, I will seek actual damages which are greater than {$1000.00}. 

Send payment immediately via certified funds to : XXXX XXXX, XXXX XXXX XXXX, XXXX, PA, XXXX Best Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was stolen on XX/XX/XXXX. The police recovered it on XX/XX/XXXX and my primary insurance company, XXXX XXXX XXXX, deemed it a total loss. I also have GAP insurance thru a subsidiary of XXXX XXXX. The loan is thru CHASE Bank. I contacted Chase bank customer service, who transferred me around 5 times, having to repeat the same story to XXXX different people. They finally transferred me to a department that was now in charge of my account. During this time period, I did not receive any information from CHASE Bank, they did not contact me by phone to inform me in writing regarding any information on my account. On XX/XX/XXXX I made a payment of {$440.00}, which is my car payment. CHASE had assessed me a late charge but WAIVED the late charge on XX/XX/XXXX. CHASE then received and credited a payment from my insurance company, XXXX XXXX XXXX, in the amount of {$14000.00} on XX/XX/XXXX Further, CHASE received and credited to my account a payment from my GAP insurance company of {$1100.00} on XX/XX/. CHASE REFUSES to acknowledge those payments on my behalf, from my insurance companies, and that THEY credited to MY account as payments on my account and has DESTROYED my credit score by reporting me as late/delinquent. They have done this because as one of their customer service representatives explained to me, payments from MY insurance company on MY behalf don't count as payments. REALLY??? They have received payments and credited payments on my loan, from my insurance companies, on my behalf, yet they can just erroneously ruin my credit because they have some INTERNAL POLICY that WILL ACCEPT the money but WON'T accept payments on my loan on my behalf. I am not seeking any type of financial compensation, although I do believe they should also WAIVE the 2nd late charge, they have assessed me of {$22.00} on XX/XX/XXXX, AFTER receiving PAYMENT from my insurance company. I am seeking relief from CHASE Bank 's internal policies that PENALIZE CUSTOMERS for NO good reason and to REMOVE the DEROGATORY credit information that they placed onto my credit reports, which is now on my report for 7 years! The Credit Bureau 's won't do anything, they take the side of the Creditors. Frankly it is amazing, I am the victim of a crime with my car being stolen and now I am the victim of Corporate Arrogance from CHASE Bank, who is destroying my credit for 7 years! Thank you!
Product: Credit card

My card was charged for {$1000.00} on XX/XX/XXXX by XXXX. I never ordered anything from XXXX and I have never heard of the company. I googled them and found a website that appears to be fraudulent. I tried to contact them asking why there was a charge on my card but the email they have listed for their support team is invalid. The website and company appear fraudulent and I should not have to pay this charge. I have proof that I tried to contact the company. I filed a dispute with the credit card company and it was denied. I reasserted the dispute and again it was denied. I asked the company for more information on why it was denied and they refused to provide any information so I asked for proof that they investigated it because I wasnt even able to get ahold of the merchant because they had false contact information listed. The card company did not provide any proof of investigation and did not provide any proof that the merchant even responded. I once again reasserted the dispute on XX/XX/XXXX and it was denied again today on XX/XX/XXXX even after I provided all the sufficient information. They have me submit the info via text so I asked them to confirm they uploaded all the information that I provided to them and they claimed it was all uploaded. I would be happy to provide proof of this conversation as well. I am not okay with a fraudulent charge that I did not make. And I should not be held liable.
Product: Mortgage

XX/XX/XXXX my husband and i applied for a house loan through American Financial located in XXXX. At the time the rates were fair and our credit was decent. I advised them that we would be working on our credit so that we can get a better rate when it was time to close. We worked on credit and end having a high XXXX 's for both my husband and I but still ended up receiving a 5.125 interest rate, when at the time they were 4.22 closing XX/XX/XXXX. The company never offered to buy the rated down or pull the credit to see the improvement to offer a better rate. Also the initial closing doc was a different amount and I thought when we closed the amount couldn't be higher well the note went up an additional XXXX which was not acceptable. When I brought this to the lender XXXX XXXXXXXX XXXX attention and the processor it was like I didn't know what I was talking about and they told me they underestimated different amounts. For two years we paid our mortgage with a 5.125 interest rate. I attempted on several occasion to get home refinanced and was given the run around with XXXX XXXX. I feel as though we were scammed by American Financial. The loan was sold to XXXX XXXX in XXXX. 

The document provided was the first closing doc and out not was not XXXX, it increased to XXXX, there was never a mentioning of a rated lock especially not at that high rate. 

I also have emails and credit reports that I can provide but didn't want to attach because it has private information on the documents.
Product: Checking or savings account

Citi bank closed my checking account on XX/XX/2019, without send me a notification first and they told me once all the transaction is completed from pending then they will process closure my bank checking account and will issue me a cashier check for my remain money from my checking account, and all transaction completed at the same day XX/XX/XXXX and they still haven't mail me out the cashier check and i'm still waiting for it, i got all my money in it. so i called them today and asked them if they closed my account today and mail me out the cashier check i supposed to get from last week and they told me no and i asked them when are they going to closed my account? and they told me there's no time frame for it. so they are holding all my money and i could't get access to it at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this dispute to have the bankruptcy to be removed off my credit report public records XXXX  XXXX case # XXXX due to the bankruptcy court has no jurisdiction over credit report agencies or 3rd party agency, nor do they verify. The bankruptcy clerk office is not responsible for credit report and does not provider information to the credit report agencies. i have attached the letter from the XXXX XXXX XXXX Georgia as proof. Please remove the Bankruptcy off the public record on my credit report. Thanks
Product: Checking or savings account

On XX/XX/2021 Citizens Bank restricted my ability to transfer funds from my Citizens Bank checking account to an external bank account. This service is actively advertised by XXXX and is provided to other customers. Citizens had also canceled the existing transfers that were scheduled on my account for future dates.

When I contacted Citizens Bank regarding the issue I was requested to visit a local branch and present a government issued id. 

Here is an extract of the communications I had with Citizens Bank regarding the problem : I received the following message from Citizens on XX/XX/2021 : " Dear XXXX, We certainly understand your concerns. 

Please visit your local branch and a Banker will be happy to assist you. 

Regrettably, we are unable to resolve this matter via email and apologize for any inconvenience this may cause. 

If you have any further questions or concerns, please contact us via email or by calling our Online Banking Department at XXXX XXXX. 

We value you as a customer and appreciate your business. Thank you for choosing Citizens. 

Sincerely, XXXX XXXX. 
Email Team Advocate '' I wanted to respond to the message as follows : " XXXX, I visited your branch at XXXX XXXX XXXX, XXXX, MA and spoke with XXXX XXXX XXXX to whom I had shown my government issued id. XXXX XXXX XXXX was not able to assist me as they had stated that they do not see the transaction of {$610.00} being blocked. I requested them to make a record that I visited the branch and that they had verified my identity per the government issued it that I had presented. '' But when I tried to submit my response on your website I received the following message : " Error Received The information you requested could not be displayed. Please select " Go Back '' and try again. '' It appears that Citizens Bank refuses to provide the same level of service to consumers who have difficulties communicating on the phone as it provides to others since it can not address the problems on the account even when customers visit a branch and present a government issued id. 

As of today my ability to make transfers from my Citizens account to an external account on Citizens website is restricted and Citizens Banks has not provided any explanation why it is restricted on my account while it is available to other customers.
Product: Debt collection

Portfolio Recovery Associates is using false and misleading statements, specifically that they are a Creditor, which they are not as defined by 15 USC 1692a ( 4 ). PRA has admitted they are a debt collector and not a creditor, proving their violations of the law. PRA is falsely claiming the Consumer Finance Protection Bureau furnishes consumer credit reports and using the term Bureau, defined at 15 USC 1692a ( 1 ), to compel payment of an alleged debt. Furthermore, PRA unlawfully accessed my credit report, specifically XXXX, on XX/XX/2021 without consent and without contractual authority or lawful purpose in direct violation of 15 USC 1681b. Portfolio Recovery Associates has continuously and repeatedly attempted contact via the phone at inconveneint times in direct violation of 15 USC 1692c ( a ) ( 1 ) ( 3 ) and has withheld their identity and purpose of communication in direct violation of 15 USC 1692d ( 5 ) ( 6 ) which now constitutes harrassing and abusive communication. Portfolio Recovery Associates has continuously reported information affecting my personal and financial reputation and health, specifically ( 3 ) separate, alleged credit card debt ( s ) without a contractual agreement with consumer in direct violation of Federal Rule 1002 and 15 USC 1681a ( 2 ) ( B ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is not abiding by Fair Credit Reporting Act by reporting inaccurate information that has not been validated or verified. 
Because of this, I have contacted The creditor in which this account is reporting from. 
They researched my name, social security number to locate me and suspects inaccurate information due to no match. 
I ask that this be removed from my credit report. 
The account opened XX/XX/2019 The creditor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Balance {$790.00} Reporting on Transunion Credit Report XXXX XXXX XXXX XXXX ( XXXX name )
Product: Credit card

I was trying to pay my Victoria Secret credit card with my Victoria Secret gift card.I called XXXX and was told I could not use my gift card as payment. When I asked to speak with a supervisor, I was disconnect more than XXXX times over a 2 month period. Thus, interest and late fees occurred. I was told multiple times, that Comenity Bank can not reverse any fees. After much dispute, they finally reversed the fees. However, this is unacceptable practice for customers. Comenity to disconnect customers when we request transfer to a supervisor.
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1700.00} XXXX  XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$6400.00} XXXX XXXX  XXXX XXXX XXXX : {$4300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Debt or credit management

i have two credit cards on court order, one is collecting for garnishment and second one refused to lower my inetreste rate and i need to get out og my court order immediately and consolidate my loan for one month with all my debt .all arent helpful.
Product: Bank account or service

On XXXX XXXX, XXXX, I noticed XXXX fraudulent ATM withdrawals ( {$400.00} each ; total {$800.00} ) pending from my Citibank checking account. I immediately contacted the Fraud department to make a claim for XXXX unauthorized transactions. Because it was a Saturday, the Fraud dept. could not tell the exact location where the cash was taken. On Monday, XXXX XXXX, XXXX, those XXXX fraud transactions posted on my account showing funds withdrew from an ATM machine in XXXX, XXXX. I am physically located in XXXX XXXX, XXXX. I have no relatives in XXXX and have not made any trip there throughout my entire life. When I called to make a report on XXXX XXXX, XXXX, I told the fraud dept. that on XXXX XXXX, XXXX, I authorized my mother to withdraw only " XXXX XXXX dollars '' from an ATM located in XXXX XXXX, XXXX. The XXXX unauthorized transactions were withdrawn XXXX hours apart from that transaction which I did not authorize. I clearly made my statement however Citibank Fraud dept. has declined XXXX of the XXXX unauthorized transactions, stating that " I authorized the withdrawal of XXXX of them. '' This is what I learned from the Assistant Branch Manager at one of the branches in XXXX, XXXX on Monday, XXXX XXXX, XXXX. 
This is totally absurd and ridiculously where Citibank Fraud dept. has fraudulently stated that " I authorized it '' in order to deny refunding me {$400.00} plus the non-Citi ATM fee of {$2.00}. As of now, I am still waiting to see if I will get my remaining {$400.00} + {$2.00} back which I had to make another separate fraud claim on Monday, XXXX XXXX, XXXX. 
How could I positively authorize the withdrawals in XXXX XXXX when 1 ) I live in XXXX XXXX XXXX and the ATM card has been in my possession all the time, 2 ) I can not possibly make a 2-hr fly to XXXX, XXXX from XXXX XXXX, XXXX, and 3 ) I have no relatives in XXXX XXXX nor has ever made any trips there. 
I 've been with Citibank since XXXX and it 's a great disappointment to know how the Fraud dept. can carelessly accuse someone making an authorization where no basis or evidence was provided to the consumers. This is one of the example that Citibank Fraud dept. commits a " fraud '' themselves. This is the first time it ever happened to me and I 'd like the Consumer Financial Protection Bureau to know and take appropriate actions to protect consumers who may have ran into similar situations like myself.
Product: Money transfer, virtual currency, or money service

Cash app closed my account permanently in XX/XX/22 without explanation at the time of closing I had {$760.00}. Cash app refuses to release my money and have been extremely evasive the phone number is bogus because no human ever answers of call back. I have reached out to 3 different people in administration via XXXX and im still waiting for an answer. 
Ive reached out via cash app support in the app only to realize its a cashbot a robot I even asked for an arbitration via XXXX no response I am tired of begging for my own money and at this point I see the entire situation as theft.
Product: Credit reporting or other personal consumer reports

I am victim of identity theft and the Equifax data breach and I have proof from equifax, a police report, and FTC report. Kindly block and delete the accounts below within 4 days as required by FCRA 605B, 15 USC 1681c-2. XXXX and Equifax have FAILED to do anything. 

XXXX XXXX account number XXXX XXXX XXXXXXXX XXXX XXXXaccount number XXXX I am willing to file a lawsuit if needed but wanted to have you intervene first.
Product: Debt collection

I never receivd any communication that you were collecting a debt. Excessive interest is being charged. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, I request : ( 1 ) a copy of every contract and/or agreement, including, but not limited to, ( a ) an informed consent for medical treatment and ( b ) financial responsibility agreement, signed by the listed medical provider and XXXX XXXX XXXX 2 ) a copy of all actual bills sent from Medical provider to XXXX XXXX with tracking numbers ( e.g., certified mail return receipt number ) or other proof of mailing ( e.g., affidavit of mailing by the individual who mailed it ), ( 3 ) a copy of all pre-certifications and billings sent to insurance companies and a copy of all payments received from insurances companies for the alleged debt, ( 4 ) a copy of the record ( i.e., the amount paid and date of payment ) for any co-payment made by XXXX XXXX XXXX XXXX medical provider, and ( 5 ) a detailed itemization of the amount that you are attempting to collect, including but not limited to, procedure type or medicines or other items and their respective costs. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your requests to CRAs to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney and sue you.
Product: Credit reporting or other personal consumer reports

I had an outstanding debt with XXXX XXXX for XXXX XXXX I paid it in full, XXXX  XXXX reported that I did so and my credit score was adjusted, but then they sent the same debt that was paid in full to PORTFOLIO RECOVERY collections and they keep saying that it has not been paid in full. I have the bank records of paying it off in full, as well as the recorded payment in full as related to XXXX XXXX, and to all three credit bureaus, but Portfolio Recovery as well as XXXX XXXX refuses to remove the false debt report from my accounts. XXXX XXXX and Portfolio Recovery are both NEGLIGENT at best, and I believe that persisting in trying to collect a debt already paid in full is a criminal act that they are willfully perpetrating on me. I have approached both XXXX  XXXX, Portfolio Recovery and my Bank has provided them the records attesting to the fact that I have INDEED paid that old debt in full. NOTHING I have said or done to either entity has stopped them from fraudulently ruining my credit score as they repeatedly try to collect on a debt already paid. I have filed disputes to no avail. Now I want your help with these giants of deception and fraud, please.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date Opened : XX/XX/XXXX  Balance Owed : {$0.00} - Open