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

I am filing this complaint as the Executor of my estate regarding TransUnion and XXXX XXXX continued failure to remove two unauthorized inquiries from my credit report. Despite multiple disputes, they have ignored my rights under the FCRA 15 U.S.C. 1681b, which strictly limits permissible purposes for credit inquiries. Their refusal to comply constitutes willful noncompliance under 15 U.S.C. 1681n, entitling me to damages. I demand immediate deletion of these inquiries, as they are harming my financial standing. If this matter is not resolved, I will pursue further legal action under 15 U.S.C. 1681o for negligent noncompliance.
Product: Checking or savings account

On XXXX XXXX an ACH payment was presented to my Citibank account from XXXX Credit Card. On XXXX XXXX I contacted Citibank because I had an alert of an overdraft. When I contacted Citibank my checking account had sufficient money to pay the ACH item from XXXX and in fact had already been deducted from the account. I asked Citibank to make sure the item was paid and they told me they refused to " force pay '' the item because they had updated their computer systems and it would not allow that to be done by the branch manager or the XXXX number. This was clearly done in order to charge me a {$35.00} late fee. This in turn resulted in a {$39.00} late fee from XXXX and a {$160.00} interest fee.
Product: Debt collection

I have contacted this company today trying to locate these so called debts. 

Credit Collection Services : Acct # XXXX {$170.00} Acct # XXXX {$280.00} Acct # XXXX {$88.00} Acct # XXXX {$300.00} XXXX gave the representative my full name, address, and social security number, telephone number, former address and she still could not find any collection accounts in my name. But this company has listed all four of these collections on my credit report! Please investigate this and have them to remove this at once!
Product: Mortgage

For four months I have tried to resolve the issue of my XXXX  loan modification with LoanCare , LLC. LoanCare rep stated it was mailed in XXXX, however we never received it. I've made numerous phone calls asking to have this paperwork resent and/or emailed with negative results. I reached out to the XXXX for help in this matter, with NO assistance. 
On Tuesday, XXXX XXXX, XXXX I was finally able to get a rep to email the paperwork. We got it notarized on XXXX XXXX and overnighted on XXXX XXXX. I called on XXXX XXXX to make a payment and they refused. 
My spouse and I have lived at this property for over XXXX years, and are now starting to feel this company is trying cause us to lose our home!!! You can NOT get through and speak to anyone within a reasonable time. You cant speak with the same individual. This is an absolutely horrible company that is NOT bound BY any ethical principles.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted disputes to the credit bureau XXXX I frequently do this whenever I see that incorrect information is being reported on my credit report however after submitting a dispute today XX/XX/2021 I noticed that the dispute no longer needed to be active the correct balance Was in fact listed on my credit report so there was no need for a dispute any longer I contacted XXXX and was told that there was nothing they could do I have made repeated attempts to contact Experian without being able to actually speak with someone and theres no option to email customer service so high in accurately reported dispute information how is it not possible to get that fixed I want disputes on there that are correct but I dont want something thats incorrect Bing on my credit report XXXX has made it absolutely impossible to Cance to get a hold of someone I am shocked that Im not only asking that the dispute be removed Im just asking that it be resolved or closed if its no longer needed then why can it not be closed. Im beyond XXXX off at this, they want to make sure everything is is accurate but I cant resolve something thats inaccurate on my own report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but XXXX has been reported as follows : ( Original Creditor : XXXX XXXX XXXX  ) ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS COLLECTION UNPAID. ( Original Creditor : XXXX XXXX ) ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS COLLECTION UNPAID. 
XXXX XXXX ACCOUNT NUMBER XXXX XXXX BALANCE {$250.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS COLLECTION UNPAID. 
15 U.S.C, 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : 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. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

My wife 's credit card with Barclays, for which I am an authorized user, was closed on XX/XX/2020 with no prior notice. She did not have a balance on the card and it was closed for non-usage. Once she became aware of the closure, less than a week later, my wife and I immediately contacted Barclays where they informed us that it could not be reopened and suggested that she reapply. Barclays stated that one notice was sent informing us of the upcoming card closure, a notice we did not receive. The unreceived notice should not come as a surprise because of the current pandemic, it was at the height of the holiday season coupled with known issues with USPS. Simply reapplying would not be sufficient because my wife loses all the positive history she has built on her credit reports when they hastily closed the card and that can not be regained on a new card. I attempted to contact upper management with limited success via email. I sent emails to XXXX XXXX and XXXX XXXX with Barclays. I received a response from the Office of the President at Barclays who was overseen by XXXX XXXX. The response indicated that further correspondence would continue through XXXX, which provides mediation software. The email that I used was not compatible for XXXX so I reached out to Ms. XXXX to see if the resolution could simply be sent to another email address of mine. Ms. XXXX and no one else at their XXXX, Delaware location never replied to my emails after that moment. My wife and I still simply wish to have the card reopened with her continued history. If she had not been a minority and other protected classes I severely doubt her card would have been closed.
Product: Checking or savings account

Chase bank closed my account while I still had funds in them. The closed my account at the beginning of XXXXXXXX XXXX XXXX. After 9 months I have still not received my funds. I asked Chase about my funds and they said they where holding them indefinitely. I had {$16000.00} in my individual account XXXX XXXX XXXX XXXX I also had {$2400.00} in my joint account. I have contacted Chase many times they refuse to send me the remainder of my funds.
Product: Credit card

The complaint is in regards to a full payment that was made on the same posting day of the amount charged to a credit card account that incurred a debiting transaction initiated by overdraft protection tied to that account. The initial charge was {$100.00} plus a {$10.00} fee for utilizing the overdraft service. The {$100.00} charge was paid back to the credit card account on the same posting day it was debited via direct wire transfer from an account housed at the same institution. As a result the credit card/bank has applied an outstanding finance charge although the balance was not carried over to the next day or accrued in a " daily '' manner. The result of a small finance change appearing on the statement illustrates an interest charge that accrues by the " minute '' pursuant to a cash advance and not one that accrues daily per their Terms of Service. The institution was not without the funds for a period of 24 hours so daily accrual is non-applicable in this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a recent copy of my credit report and noted several unauthorized inquiries. 

I have contacted the creditors noted below, and they stated that they have no evidence that I initiated the inquiries, either written or otherwise, and could not provide me with permissible purpose. As these inquiries are both unauthorized and unsubstantiated, I request that they be deleted from my credit report. 

Per Section 604 of the Fair Credit Reporting Act ( FCRA ), all users of my credit report must have a permissible purpose. Specifically per Section 604 ( a ) ( 3 ) ( F ), a consumer reporting agency may only furnish a report if the recipient : otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer Since there is no evidence that I initiated these requests, I request that these inquiries be removed from my credit report as per section 611 ( 5 ) ( A ) ( i ), and that you promptly delete the following items from my credit report. 

The following inquiries were not authorized : XXXX  XXXX XXXX  from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX  XXXX  Inquiry from XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX - Card Service Inquiry from XX/XX/XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX Experian XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XXXX/XXXX/XXXX I learned about a cyber-attack on Equifax. According to Equifax, I may be affected by this hack, meaning that I may become a victim of identity theft due to Equifax inability to secure my personal information. They offered to provide a identity monitor service, but at the cost of giving away my right to participate in a class action lawsuit.
Product: Credit reporting

I continually am having issues with Equifax and their horrible customer service and their complete disregard for keeping accurate records in numerous regards. I keep having an account that has been wiped from my responsibility reinserted by Equifax causing a derogatory flag to report on my credit file. This has been settled and the maliciousness of Equifax is apparent with their reinsertion a month or so after they remove it when I complain to the CFPB. Action needs to be taken against Equifax for their complete disregard for keeping accurate records. Even Equifax has lost track of who the account was from and is reporting a derogatory account from a nameless collection agency regarding a medical account in the amount of {$630.00}.
Product: Credit reporting or other personal consumer reports

After careful review of my credit report experian XXXX has put 2accounts with XXXX XXXX back on report after previously removing the accounts without validation from creditor Fair Debt Collection Practices Act,15 USC 1692g stating your claim is disputed and validation is requested. I have requested validation of accounts from creditor they have not responded email was sent to corporate office and president of company with clear instruction and proof of identity they are now in violation of my rights as well as experience and transunion I ask that you remove both accounts listed in the complaint
Product: Credit reporting or other personal consumer reports

XXXX. Puget Sound Collections has for long attempted to collect on a debt not owed by way of their communication tactics. It has been awhile since I have communicated with them at this point. However they are reporting and furnishing information to my consumer report. 

XXXX. They are collecting some alleged debt for XXXX XXXX XXXX XXXX and are stating that I owe some sort of legal obligation to them to pay this debt. 

XXXX. I never agreed to any irrevocable obligation to an artificial entity that would cost me my labor for free or any irreparable harm inflicted on my reputation. 

XXXX. I have no personal connection or relationship with this collection agency other than their furnishing of this negative information. 

XXXX. As a mistake and to my confusion I mistakenly made a payment towards the account because I did not know my protections under the FCRA, FDCPA, Gramm Leech Bliley Act. Whereas I have rights that are geared to protect from from abusive debt collection practices that affect interstate commerce and invade my individual privacy. 

XXXX. XXXX XXXX XXXX XXXX, Puget Sound Collections and the consumer reporting agencies XXXX, XXXX, XXXX do not have my consent to furnish this negative information and they surely do not have my written consent. 

XXXX. Any and all consent to XXXX, XXXX, XXXX, Puget Sound Collections whether it be verbal, non-verbal, written, implied or otherwise is revoked effective immediately. 

XXXX. Any and all security interest whether it be verbal, non-verbal, written, implied or otherwise is revoked and terminated effective immediately.
Product: Checking or savings account

SOMEONE OPEN A CHECKIN AND SAVING ACCOUNT IN MY NAME AND WROTE BAD CHECKS
Product: Credit card

Notwithstanding several attempts to have the below corrected since XX/XX/XXXX via telephone complaints/request to Macy 's credit ; to date, I have received no replies or corrections. 
XXXX Re : Macy 's credit card number XXXX As communicated in my call to Macy 's Credit Services of XX/XX/XXXX , that my Macy 's credit account which is my oldest credit reference is not being reported by XXXX, XXXX nor XXXX. Said account is reported as closed by XXXX. 
Per your request on XX/XX/XXXX, this is my written request to have my credit reference of this trade reported/updated correctly with all the applicable credit bureaus. 
Attached you will find a copy of my most recent XXXX report which corroborates this issue. 
Please confirm execution. 
Thanks for your assistance. 
Sincerely,
Product: Credit reporting or other personal consumer reports

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


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX : # XXXX, Account XXXX XXXX XXXX : # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, payment history, closed date and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. 



These bureaus have not done a proper investigation at all on any of my disputes and should be held liable for the damages to my personal and financial life due to there lack of care for the consumer and the harm it causes them when they dont take there job seriously
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to inform you again 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 COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$15000.00} ; XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$25000.00} ; XXXX  XXXX XXXX Opened Balance XX/XX/XXXX {$4100.00} ; XXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$2300.00} ; XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$390.00} ; XXXX  XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$440.00} ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$3300.00} ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1681 XXXX XXXX XXXX XXXX violated my federally protected rights to privacy and confidentiality. 
15 USC 1681 602 A ( 2 ) states I have a right to privacy.

15 USC 1681 604 A ( 2 ) states consumer reporting agency can not furnish an account without written instructions.

15 USC 1681 605 ( A ) ( 5 ) states no consumer report can contain any of the following items of information : adverse items of information.

15 USC 1681 A ( 2 ) states that late payment reporting is illegal.
Product: Credit card

I applied for a Citibank credit card with a XXXX XXXX XXXX Aadvantage points sign on bonus if I spent {$3000.00} in 3 months. I spent over {$3000.00} in 3 months and did not receive my bonus. I complained and they said there is no bonus if you have had a card in the past 18 months. 15 months had passed at the time. They said I would NEVER get a sign on bonus if I kept my card. I saved a copy of the application terms and conditions ( I tried to attach it here but it would not let me ) and there is nothing about 18 months. It does say this offer is valid only for new account. This was a new account. Furthermore, when I complained they said I am being penalized 24 months from the current date to reapply and get a sign on bonus. They are penalizing customers just for getting one of their products? This is ridiculous. The XXXX sign on bonus is in LARGE letters. Maybe somewhere in tiny print is the 18 months limit but I can not find it. When they sent me my card they should have CLEARLY notified me that I was not eligible for the sign on bonus. Instead, they led me on so I would spend the {$3000.00} and get nothing. This is a DECEPTIVE business practice and the CFPB should investigate. I sent a letter to XXXX XXXX, President of Citibank and I am writing this complaint to the CPPB because of the nonsense response I received from a XXXX XXXX at Citibank who ignored the fact that I received no sign on bonus that they advertised in LARGE letters, that I would never receive a sign on bonus if I kept my card, and was being penalized for 24 months if I cancelled the card. I was so annoyed I cancelled my card and am writing this complaint. There is certainly nothing in the terms about a penalty. I hope to see XXXX XXXX before Congress like XXXX XXXX of XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I couldn't believe my credit report when I saw it. I'm trying to get a house, and I couldnt believe my eyes when I saw XXXX XXXX XXXX  on my Transunion credit report. I wrote letters to them but they fail to satisfactorily verify the account, I follow up with them and gave enough time to correct this erroneous reporting but continued non compliance CFPB, you need to delete the account, the status is incorrect. In the mean time, I may not get my house at the rate I can afford! They already raised the rate twice. Please don't leave it this way -- I need to get the house! The above accounts should be reported as positive standing
Product: Debt collection

Bayview Loan Servicing repeatedly calls our home phone number for an XXXX XXXX. On at least two occassions I have spoken with a operates who have assured my this number will be removed from their records because there is no one at this number named XXXX XXXX. I was assured our number would be taken out of the calling queue. Dates of my call were Monday XX/XX/XXXXand XX/XX/XXXX. One the most recent call, I even told them unless they quite calling, I will file a complaint with the CFPB. Thanks for your help.
Product: Payday loan, title loan, or personal loan

My loan has set direct debit days from my checking account. The days were set up for the XXXX and the XXXX of the month with a 360 % interest rate. I recently missed payments in the month of XXXX. My account was debited multiple times but there were insufficient funds available in XXXX. The payment was unsuccessful. My account to my knowledge had been taken off auto pay because the last payment was made online by me. My complaint is this company withdrew money from my checking account without my approval for the withdrawal date change. The withdrawal was on XX/XX/2020 for the amount of XXXX and again on XX/XX/2020 for XXXX and without warning. This came at the time when the world is facing a pandemic and my state is on a mandatory stay at home order. I am currently not working and have only my VA XXXX monthly payments deposited into my account. My complaint is the withdrawal of money from my checking account without my approval for two consecutive days. The days the money was taken out was not approved by me. I called the call center to inquire as to why my account was debited without my approval and I was instructed by an agent that the company has the right to debit my account at will if the money is not available on the agreed-upon dates. I asked for this in writing, I asked for the policy, and I asked for my contract with them mailed to me along with an itemized receipt. I was told that I could have neither. I was emailed a basic receipt of the information I already have. I thought the law was consumers are allowed a receipt with all payments. I do not know the balance prior to my payments or the interest that the account accrued over time. The agent did not know anything about my account amount and she was unable to answer any questions I had. She only answered what I already knew. She did not know any of the answers to the laws pertaining to loans in my state or the reporting agency for the agency she works for. I paid off the account as of XX/XX/2020 with my savings I had set aside for this mandatory quarantine. I was in fear that this company was going to debit my account without my permission again. I asked for my account to be closed and for information stating this as well. As of this time I have received neither. I have attached a few of my receipts sent to me by the agent, it only shows my principal balance after my payment. As you can see my last to payments the majority was made to the interest. I have no idea what that amount was.