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

We purchased a new XXXX  XXXX XXXX on XX/XX/2020. We did sign a, " Truth In Lending, '' form from the dealership. We were a wear that was part of the purchasing agreement. How ever we were not a wear that after the 12 or so lender they used for the propose of the finance would be reported negatively on our credit. So instead of one or maybe even two, there were several found by XXXX XXXX on our credit that had to be removed. This should not be. Just because a seller chooses to use multiple banks, should never effect the consumer in such a manner. This causes a consumer credit rating to drop drastically. It is my hope that one day this is something that congress takes into consideration for the working people. None of us can afford for this to happen. We knew we were going to have to refinance, and try to get a better situation. But how can you do much better with these kind of things on your credit history pulling you down!
Product: Credit card or prepaid card

Applied for credit card Barclaycard XXXX XXXX on XX/XX/XXXX and was able to use to purchase plane tickets as an introductory promotion to earn XXXX miles of XXXX. 

XXXX XXXX XXXX, Waiting for the credit card to arrive. 

XX/XX/XXXX, I saw an email around XXXX that someone activated the credit card around XXXX. Never received the card physically. Then I found out someone had charged our credit card for gas, atm transaction, liquor at different locations. 

XX/XX/XXXX, called the Barclay XXXX credit card to report that someone activated my card I never received physically and lot of fraudulent charges made. Credit card company cancelled the card right away. Theres almost {$2500.00} that was charged on my card. Barclay XXXX XXXX stated they will investigate and will resolve the issue and will resend me a new card. 

XX/XX/XXXX, I got an email from barclay XXXX card that address changed had been made i know I did not made that changes so I immediately Called the Barclay XXXX credit card again to follow up on what and why this change happened. someone had made a change of address that it was not mine. Then the Fraud dept advised to change our credit card online password and email password which i did. Then I changed my mailing address to po box instead. 

In a months time they were able to return the other fees ( cash advance from atm, groceries charges ) worth of {$1000.00} so fees dropped to {$1500.00}. I called barclay XXXX card and questioned why the other fraud charges arent dropped but others were. 

XX/XX/XXXX, credit card company wrote a letter stating that they concluded that the other charges Are valid and Im liable to pay for the other charges. So I contacted and complained why would I be liable for the other charges that were connected to other charges that were dropped which doesnt make sense. The investigation they made are not correct, theres discrepancies and questionable as those fraud charges should all be dropped as theyre all connected and charged in the same day, XX/XX/XXXX. So barclay will reopen the case XXXX XXXX filed a police report for the fraud charges made and sent to barclay XXXX credit card. 

XX/XX/XXXX, contacted barclay XXXX credit card 3x this month and to follow up on the fraud investigation and all they can say is it still pending XX/XX/XXXX, contacted barclay XXXX credit card again 2x this month and to follow up on the fraud investigation and seems like No one can give me a direct answer so much inconsistency on the investigation. The barclay XXXX credit card has not given me resolution. Everytime I called they put me on hold for 2 hours and hang up. Im getting charge of interest. 

XX/XX/XXXX, this is 4th month of investigation and still Has not been resolved.
Product: Debt collection

I submitted a payment to Synchrony Bank on XXXX/XXXX/15 regarding an credit account with Ethan Allen furniture. In the 3 days, from XXXX I received XXXX calls from Synchrony Bank XXXX including calls on Saturday and Sunday. This level of harassment is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Here are the following items items which do not belong to me or were opened without my permission. 
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 XXXXXXXX, VA XXXX ; XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$22000.00} ; XXXX XXXX XXXX XXXX XXXX : {$8900.00} ; XXXX XXXX XXXX Balance Owed : {$4100.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$550.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$160.00} ; XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$2300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance Owed : {$1900.00} ; 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: Debt collection

Company threatened to garnish wages and attempted to take furniture from my home even though I'm currently in XXXX XXXXXXXX even though debt has been written off
Product: Credit reporting or other personal consumer reports

My account with FLAGSHIP CREDIT ACCEPT was never late! I have had exceptional payment history witH FLAGSHIP CRD 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 XXXX XXXX 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.

FLAGSHIP CREDIT ACCEPT 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

This is in reference to : XXXX XXXX Account : XXXX XXXX due : {$400.00} I trust this message finds you well. I've been reviewing my credit report and came across some information that raised a few questions. In my exploration, I delved into the Fair Credit Reporting Act, specifically 15 USC 1681, section 602, which highlights the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy. As a consumer, I've been thinking about my rights and responsibilities in this context. According to 15 USC 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security and confidentiality of their nonpublic personal information. Digging deeper, I found 15 USC 1681, section 604, which outlines the circumstances under which a consumer reporting agency may furnish a consumer report. It explicitly mentions that they can do so only in accordance with the written instructions of the consumer to whom it relates. I want to emphasize that I haven't given any written consent for the sharing of my information, and this concerns me. Furthermore, 15 USC 6802 ( b ) ( c ) notes that a financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how they can exercise the nondisclosure option. To my knowledge, I have not been informed of such an option. I also stumbled upon 15 USC 1681c ( a ) ( 5 ), which states that no consumer reporting agency may make a consumer report containing adverse information without authorization. It appears that an adverse item is being reported without my permission, which, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, is against the law. The Act further mandates that consumer reporting agencies maintain reasonable procedures designed to avoid violations of the statute. Unfortunately, it seems that Equifax and XXXX may not be following these guidelines, as indicated in 15 U.S. Code 1681e. Lastly, I discovered in 12 CFR 1016.7 that a consumer has the right to opt out of reporting services at any time. I'm choosing to exercise that right. I wanted to bring these specific sections of the Act to your attention and discuss how we can address these concerns. Your insights on this matter would be greatly appreciated. Thank you, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I made two separate wire transfers to XXXX Bank in XXXX XXXX. One on XX/XX/22 for {$8500.00} and one for {$10000.00} on XX/XX/22. My Bank, Chase has attempted to recall those wires back, but have not had any success in them responding back. I need your assistance in trying to get those funds back to me. 

Thank you.
Product: Checking or savings account

on Wednesday XX/XX/XXXX my empleyeer submitted my weekly payment of XXXX dollars to my capital one checking account and has not been deposited to my account. they said they are having a 3rd party issue but it has been more than 24 hours and still my money is not available. it is now Friday XXXX XX/XX/XXXX XXXX
Product: Debt collection

Account Name : KLSFINANCIAL Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$170.00} Reason : Identity theft Please remove it from my Credit Report.
Product: Debt collection

XX/XX/year> received summons in reference to Portfolio recovery. I do not know who this is and have not spoken to them. I did not authorize any business with this company.
Product: Vehicle loan or lease

After the total auto loan amount was fully paid off approximately XX/XX/2020, Toyota Financing is still taking money out from my bank account on XX/XX/2020.
Product: Credit reporting or other personal consumer reports

What happened ( statement of pertinent facts ) : Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened account opened at premier first bank on XXXX under the account number XXXX an auto loan opened at XXXX XXXX auto on XXXX under the account number XXXX a personal loan under the name of XXXX, XXXX on XXXX under the account number XXXX. a personal loan under the mane of money lion under the account number Account # XXXX. a credit card opened under the name of XXXX XXXX opened on XXXX under the account number XXXX. a credit card under the name of XXXX XXXX opened on XXXX under the account number XXXX. a collection account under the name of XXXX XXXX XXXX opened on XXXX under the account number XXXX. another collection account under the name XXXX XXXX XXXX opened on XXXX under the account number # XXXX These accounts have resulted in several fraudulent hard XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency XXXX XXXX of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX the email address ( XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter of Validation on XX/XX/XXXX I have not received any response from this company. I have attached the certified letter that they received on XX/XX/XXXX. I also fax and e-mailed this company the same letter that is attached with still no response. This company should not be allowed to report information on my husband and my credit that has not been validated.
Product: Debt collection

The attorneys and their contracted servicer did not ensure that I was served properly. I reached out to XXXX XXXX, XXXX XXXX, XXXX XXXX, & XXXX XXXX via email to discuss this matter. XXXX XXXX was the only one to respond stating, Please be informed, the below-stated attorneys, including myself, do not have any control over the actions of an independent contractor process server. However, I believe they should be held accountable because it is their case and theyre the ones that hired said servicer. The proof of services alleges I was served XXXX home address on XX/XX/19. However, I have not been at my residence since XX/XX/19 due to a medical condition. I am staying with family while I go through treatment. Furthermore, the physical description of me is completely inaccurate I am XXXX XXXX XXXX, XXXX, XXXX XXXX. The proof of service process server filed a proof of service on XX/XX/19 stating that service was effected via personal service to # # # # # # # # # #, Who accepted service, with identity confirmed by subject stating their name, an XXXX male approx. XXXX years of age, XXXX tall, weighing XXXX lbs with XXXX hair.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Act XXXX  Account 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 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 Has violated my rights as a consumer 15 U.S.C 1681 section 602 A States i have right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions and without legitimate business reason pursuant [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).
Product: Debt collection

XX/XX/2019at XXXX received a call from XXXX the man on the phone asked for my brother's phone number and address with no context. When asked what company/reason for calling the answer was "Alltran Financial and personal business matter"  The man gave me his contact info: XXXX XXXX XXXX ext. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I requested a credit limit increase on my Citi credit card. Citi attempted to pull my credit report from XXXX. However, I had a credit report freeze in place with XXXX, so the request was denied. Citi then attempted to pull my credit report again, and again the request was denied. Both attempts appear on my XXXX credit report.

First, I contacted Citi on XX/XX/2018 and spoke with a supervisor. I explained the situation and she checked with their credit approval department and told me that since the inquiries had not gone through, they should not appear on my credit report and that Citi was unable to have them removed. She advised me to open a dispute with XXXX to have them removed. 

On that same day, I submitted a dispute to XXXX through their website. On XX/XX/XXXX, I was notified by XXXX that their investigation was complete and that my report had been updated. However, the inquiries have not been removed and XXXX does not provide any way to follow up on the results of the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information on my credit report it's costing me financial injury I can't get housing car loans or apply for credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried repeatedly all of XX/XX/XXXXto correct and have removed 2 bankruptcies listed on my credit file. Finally, XXXX has removed the bankruptcies from their database, however, the bankruptcies are still showing on XXXX, Experian, and XXXX  as I have viewed my credit reports today. There are also other items that I have tried to dispute on XXXX  and Experian websites, but I was referred to submit information regarding my dispute in writing to them. No. I will not. Experian stated, they have already investigated this matter regarding my disputed items and didn't have to honor frivolous disputes. XXXX  dispute system has been down for several weeks now and I am not able to view anything. So, I am using an old credit report to dispute inaccurate information and also XXXX XXXX XXXX / XXXX XXXX XXXX is FRAUDULENT. It's listed on my credit report as me opening it twice with the same account number opened on XX/XX/XXXX & XX/XX/XXXX. I have requested to have all Regular and Hard Inquiries to be removed from ALL of XX/XX/XXXXthru XX/XX/XXXX. I have not authorized any inquires loans, credit, credit cards, by no means for anyone. This is INSANE!! PLEASE CORRECT MY CREDIT REPORT INFORMATION AND REPORT ACCURATE INFORMATION WITHIN 15 DAYS.
Product: Money transfer, virtual currency, or money service

I have used Western Union to send gift to friends and have used it when traveling. When I went to sign in was told that I had to fill out a questionnaire. I did so and was then told that I could not qualify to use there services anymore. Not sure why? I sent letter and ask for the supervisor to tell me what the problem is. Still have not gotten an answer Here is the letter that I got back. Still do not know why or what is going on : Reference number : XXXX XXXX XXXX, Thank you for your patience while we further reviewed the investigation conducted pertaining to the decision made to no longer offer services to you. Please be advised that after further review, the decision to no longer offer services to you is to remain in place. 

We understand that this not the answer you were hoping for ; please note that this decision was not made lightly and we ensured that an appropriate and complete review was done for of all available information. We cant disclose why the service was discontinued. Our decision is solely based on our commitment to maintaining a strong and compliant financial system. Please see our Terms and Conditions to learn more. 

Were sorry for the inconvenience and thank you for your understanding. 

If you have any questions or concerns, please email us at XXXX or call our corporate headquarters at ( XXXX ) XXXX ( international call charges may apply ), providing your reference number XXXX to connect with me directly. 

Sincerely XXXX XXXX. 
Executive Resolutions Team Please read our Privacy Statement to find out how we process your personal data. 

ref :! XXXX.! XXXX : ref Reference number : XXXX XXXX XXXX, Thank you for reaching out. We appreciate your business and are truly sorry for the experience you had while using our services. 

Im one of the Executive Resolutions team experts at Western Union who is handling your claim. 

Based on the information provided in your reinstatement questionnaire, weve decided to no longer offer services to you. While we understand this may not be the answer you were hoping for, weve reviewed all of the available information, and our original decision remains in place. We cant disclose why the service was discontinued. Our decision is solely based on our commitment to maintaining a strong and compliant financial system. Please see our Terms and Conditions to learn more. 

Were sorry for the inconvenience and thank you for your understanding. 

If you have any questions or concerns, please email us at XXXX or call our corporate headquarters at ( XXXX ) XXXX ( international call charges may apply ), providing your reference number XXXX to connect with me directly. 

Sincerely XXXX XXXX. 
Executive Resolutions Team
Product: Mortgage

I was placed on a payment plan and was told it would not affect my credit. They told me that if I completed the payment plan as stated that the remarks on my credit would be deleted. The account has since been paid off and those negatives were never taken off my credit. It has affected me being able to purchase a home. With the COVID 19 rules in place, the restrictions are stronger leaving us without the ability to get a home. Please help us in getting this resolved. I have contacted a lawyer to help with this situation as it has been asked numerous times with the company to of Nationstar to take care of it, but they will not do so.