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

I applied for a XXXX XXXX credit card today XX/XX/20 and I was not approved because apparently there are several accounts in negative standing appearing on my credit report. I was confused because none of my accounts have ever been in bad standing. I looked through my credit report and i saw six accounts that I never opened. The accounts are from these companies. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX   XXXX  and XXXX XXXX. I do not have any written/verbal contract with any of these companies nor did I ever allow them to run or access my credit. I did not benefit anything form 4these accounts being opened in my name such as money, goods, services or any other benefit nor did I ever make any payment towards these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX XXXX are reporting inaccurate information pertaining to a bankruptcy, all XXXX agencies show different information. Under the law all XXXX agencies must report same information XXXX has file date XX/XX/XXXX XXXX has file date XX/XX/XXXX Equifax has file date XX/XX/XXXX Equifax has Ref # XXXX XXXX has Ref # XXXX XXXX has Ref # XXXX Equifax has month of discharge - None XXXX has month of discharge - XX/XX/XXXX XXXX has month of discharge - None Equifax shows address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows address - XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX shows address - XXXX XXXX Equifax shows Type of Court XXXX XXXX XXXX XXXXXXXX XXXX shows Type of Court XXXX XXXX XXXX  XXXX XXXX shows Type of Court - XXXX XXXX XXXX Equifax shows phone # XXXX XXXX shows phone # XXXX XXXX shows none
Product: Debt collection

I have tried to contact First Point Collections directly about this issue. They have placed my account in collections in regards to an alleged debt that I DO NOT owe. This collection is showing on my credit profile and is tarnishing my credit worthiness. This company has yet to show proper validation proving that I owe this erroneous debt. First Point Collections are absolutely horrible. They don't even attempt to follow proper validation measures.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer credit report, I noticed that your agency has violated multiple regulations, entitling me to monetary compensation under FCRA 15 U.S. Code 1681s2 and 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Specifically, your agency furnished reports in connection with credit or insurance transactions that I did not initiate ( inquiries ). 

According to the law, a consumer reporting agency may only provide a consumer report for credit or insurance transactions not initiated by the consumer if : ( A ) The consumer authorizes the agency to provide the report, or ( B ) ( i ) The transaction involves a firm offer of credit or insurance. 

Furthermore, except as provided in section 1681g ( a ) ( 5 ), a consumer reporting agency can not furnish records of inquiries related to such transactions that the consumer did not initiate.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ), if a person obtains a consumer report under false pretenses or knowingly without a permissible purpose, they are liable for actual damages suffered by the consumer or {$1000.00}, whichever is greater. Additionally, punitive damages may be awarded by the court. 

Your agency is in violation! 
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 a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

My purse was stolen several years ago and I was also a member of the XXXX who 's private information was stolen. I have repeatedly sent the police report showing my social security card, ID, and birth certificate card was stolen to TransUnion over the past few years. They refuse to remove inaccurate data from my credit report and continue to ruin my life. 
I have contacted the creditors they are reporting a debt from and the creditors refuse to supply me with any debt validation or paperwork at all so I can defend myself. It 's illegal for Transunion to continue reporting this false data, just because someone knows my social security number. They MUST be removed, by law. The data that must be removed is as follows. XXXX # XXXX {$160.00}, XXXX XXXX XXXX XXXX XXXX {$380.00}, XXXX XXXX # XXXX {$3600.00}. 
Please be advised these are NOT my accounts and if they are not removed as a result of this final complaint, I will have XXXX XXXX file a lawsuit against you, Transunion, for violations of the FCRA and Florida Consumer Protection Act. I am done being a victim.
Product: Credit reporting

Im being billed for a bill from XXXX and its affected my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received email from Equifax that my dispute results were ready. I am unable to access the results. Error message " states site can't be reached ''. However, when I try on my phone it tells me I don't have an account with them. This is an ongoing problem with these websites which continues to happen and I'm really fed up of not being able to access MY information when I need to.
Product: Credit reporting

There are hard inquiries that where placed on my credit report without authorization. This was removed previously and reinserted by a glitch in the Trans Union system. I spoke to several employees of the CB and they were very rude and demeaning, and refused to remove the inquiries. None of these places had a written authorization to pull my credit and no form of credit was given to me by the place.
Product: Debt collection

I received a letter from XXXX XXXX XXXX XXXX stating that I owe {$110.00} on {$29.00} that I owe to PayPal Inc. The issue is that I don't and have not had a Paypal a balance owed. There are no delinquencies listed on my credit report. I never received a notification from PayPay that I owed the {$29.00} and only learned about once I received the letter from XXXX claiming they were trying to collect a debt. This is 100 % fraud!
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Late Payment Reporting on My XXXXXXXX XXXX XXXXXXXX XXXX Account Dear Sir or Madam, I am writing to formally dispute the inclusion of late payments on my credit report for my XXXX XXXX XXXX XXXX account. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., I request an immediate correction and removal of any such inaccurate or unfairly reported late payments.

Under 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( i ), a " consumer report '' excludes any report containing information solely related to transactions or experiences between the consumer and the entity making the report. As such, late payments that do not impact creditworthiness beyond the direct relationship between XXXX XXXX and myself should not be reported to consumer reporting agencies as adverse credit events. 
Furthermore, under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers of credit information must not report information that they know or have reasonable cause to believe is inaccurate. If the reported late payments resulted from extenuating circumstances, billing errors, or delays beyond my control, their inclusion on my credit report would constitute a violation of this provision.

Additionally, the FCRA grants consumers the right to dispute the completeness and accuracy of any item in their file. Per 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute, a credit information furnisher must conduct a reasonable investigation and delete or correct any information found to be inaccurate or unverifiable. 
Given these legal protections, I formally request that this credit bureau review this matter and remove any late payment not in compliance with the above provisions. Please provide written confirmation of the actions taken within 30 days, as required under FCRA. 
Should you require any further documentation or clarification, please let me know at your earliest convenience. I appreciate your prompt attention to this matter. I have attached a copy of the law, which says that the alleged late payment ( s ) should not be reported on my credit report. I ask you kindly to abide by the law and update my account to be paid as agreed. Failure to do so will result in me taking legal action against your credit bureau. I also ask you to provide verifiable proof of payment records showing that I had late payments on this account. The law clearly states that if you are unable to provide this proof, then this late payment must be deleted from my consumer report. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE USED MY IDENTITY TO OPEN FRAUDULENTACCOUNTS WITH MY NAME, SOCIAL SECURITY NUMBER THESE ACCOUNTS LISTED DO NOT BELONG TO ME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Mortgage

I received a copy of a forbearance plan that caliber home loans put together on XX/XX/XXXX. 
I called and spoke with caliber home loans on XX/XX/XXXX about some additional details with the loan. 
I sent the letter off at the post office in XXXX XXXX, OK with the provided envelope from caliber home loans. The letter was going to XXXX XXXX. ( Is a 2 day delivery time with USPS. ) I called caliber home loans on XX/XX/XXXX, to see  what the status was and to see if they have received the letter. 
The CSR indicated that they have not and informed me that sending a letter takes 7 to 10 business days. 

Knowing that I received it on XX/XX/XXXX and sent it out the following day and the postal standards indicated by the caliber CSR then I would not have had enough time to get this to them with the provided postage. 

I asked the CSR if he could send me another copy of it, and he stated he would, after belittling me about not making copies of it. He also stated that it may take 24 hours. 

I feel that throughout this whole forbearance process, that caliber has not treated me fairly and I feel that they have intentionally held the process up for whatever reason they have had.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

Since XXXX Of XXXX  I have been neglected from overdraft Protection and have been paying fees that Bank Of America are lawfully obligated to pay on my behalf, Per the FCRA as a federally protected consumer I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Business Bank account with Bank of America 's have not received the proper overdraft protection via FDICs XXXX Insurance coverage.
Product: Money transfer, virtual currency, or money service

I have wire transferred {$1000.00} to my own account on XXXX XXXX but I have chosen the wrong bank from the options Citibank provided. Then I called Citibank to recall the money on XXXX XXXX and they said they'll recall the money and I'll get my money back within XXXX weeks. I kept following up with them in the past XXXX month and they were unable to provide any information to me. Like what's the difficulties and why it's take so long, they just ask me to wait. Now it's already XXXX months and they still don't have a timeframe for me to get my money back which makes no sense. Please help me to get my money back. Thank you!
Product: Mortgage

I have a relaitvely small XXXX XXXX mortgage on a property in XXXX XXXX XXXX, GA, that is managed by SunTrust Mortgage. SunTrust consistently makes errors in the management and billing associated with the mortgage. Each time they do so it takes a great deal of time and effort to get the problem, no matter how small, addressed and eventually solved. Not surprisingly, the errors always favor SunTrust, not me. 

Early this year because of a shortfall in the previous year 's assessed escrow, SunTrust gave me the option of paying a lump sum to bring the fund in line, or a higher monthly rate going forward to address the deficit. I chose to make a lump sum payment. But they failed to allocate it properly and thus claimed my subsequent monthly payments were short and subject to additional fees. After numerous letters and phone calls they finally acknowledged their error. But meanwhile they tacked on a small fee ostensibly pertaining to an inspection or appraisal they intended to do to the property -- which was never done, or at least they never reported the outcome to me. Neverthelss, they continue to take on a small fee related to it : {$4.00} per monthly lately. Each month I call and demand that they remove it and they do so after eating up a half hour or more of my time. Each time they assure me that the problem will be corrected, but the fee shows up again the next month -- most recently in my statement dated XXXX/XXXX/2016. I am coming to believe that SunTrust willfully makes it needlessly difficult for customers to resolve problems on their loans when those problems benefit the bank.
Product: Credit card

I signed up for a XXXX month no interest special from Synchrony with a local furniture store. Went through a very standard information form to provide my income and information. After I was approved, I set up auto payments to align with the balance due and XXXX  month special ( I owed roughly {$16000.00} so monthly auto payments are {$1000.00} ). I have not missed any payments and everything seemed to be going fine. 

I logged into my account for the first time after a few months and noticed that Synchrony has been adding roughly {$150.00} to my balance every month. They've added over {$1000.00} in junk fees that I NEVER agreed to. They signed me up for some extra service that I had no knowledge of and no interest in. I have no idea how I was signed up for this extra service. I've never seen any similar extra service with any credit card I've ever used. The name of the service is " XXXX XXXX XXXX. ''
Product: Checking or savings account

overdraft fees after money is paid due to monies not taken immediately
Product: Debt collection

I have made multiple attempts to contact this collection company on the ownership of this account. I've submitted multiple credit bureau disputes for the furnishing of ownership and documentation. The documentation showed an application with a social security number that does not belong to me ending in XXXX. I believe that this account belongs to someone else with a similar name.
Product: Credit reporting or other personal consumer reports

I have recently reviewed a copy of my credit report and I noticed that the following information regarding inquiries to be in error. According to the Fair Credit Reporting Act, the only permissible purpose for pulling a persons credit report is : ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order.

The following inquiries are not related to any of the listed purposes that I have reiterated from the FCRA ( Fair Credit Reporting Act ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly ask that you please remove these inquiries from my credit report immediately. If any of these companies purport to have pulled my credit report with permission, then I exercise my legal right to ask for verification, including the following : 1. Name and title of the person who pulled my credit 2. Date they purport that I gave permission 3. Method they purport that I gave permission, please include documentation of said permission.

I kindly ask that this these inquiries are removed immediately from my credit report. Thank you
Product: Credit reporting or other personal consumer reports

These three illegal collections are fraudulent and they need to be removed off my report. These three accounts are illegal and I've finally hired a credit specialist to remove these fraudulent items. Please remove these items off my credit report! Please!!!! I have XXXX inquiries on my credit file is locked on experian now please remove these last remaining fraudulent items PLEASE!!!!!!! 

XXXX XXXXXXXX XXXX {$13.00} Date Opened XX/XX/2020 XXXX XXXXXXXX XXXX XXXX {$150.00} Date Opened XXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$57.00} Date Opened XX/XX/XXXX XXXX XXXX
Product: Debt collection

My son had an XXXX visit on XX/XX/year>. The XXXX XXXX XXXX did not provide me with a copy of my bill or notice that we owed a payment to them for services rendered until I received the attached collection notice through a text message link. I don't believe they have my correct mailing address as the debt collector 's notice has outdated information. 

I contacted their XXXX customer service line. They refused to pull the bill from collections and said that they obtained the mailing address from the hospital. The hospital sent me their bill without an issue. XXXX wants me to pay for bill so that the collection can be removed but I don't have not seen the original bill nor was it properly mailed to me. They said that their system sends out statements without verifying the mailing address. I provided them with my correct mailing address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get a credit card that was opened in my name using my information and I have indicated I did not open or apply for any lines of credit. However, after disputing with the credit agencies they have indicated the information is accurate. Well it's accurate if someone has stolen my identity. I'm trying to get this removed from my report.
Product: Credit card

XXXXXXXX XXXX XXXX XXXX charged our XXXX XXXX XXXX XXXX for {$59.00}XXXX XXXX must have had our credit card on file and were charging a subscription fee. Problem was we didn't know they made the charge and we hadn't done any other business with Citibank since XXXX. The first I knew about this charge is when Citibank sent me emails saying a payment was past due. I thought I had cancelled my card with Citibank years before, so I thought the emails were scams. After a couple of emails, I looked into it and found the charge from XXXX plus interest and charges {$41.00}. 
We called Citibank, told them the XXXX  charge was not authorized by us and we agreed to get XXXX to remove their charge. Citibank told us if XXXX removed their charge, they would refund fees and interest. So, for XXXX to refund, we had to have a statement from Citibank showing their charge, which we received and sent a copy to XXXX and they refunded the {$59.00} and we receivedanother statement from Citibank showing XXXX balance. A month later we get another billing from Citibank showing fees and interest owed. We've called Citibank and no one knows anything about the agreement to refund us the fees and interest. They want to pay, it doesn't seem right. It's not a big amount of money, but I couldn't let it go without complaining, about them not attempting to make this right but also about their horrible phone messaging system, making it almost impossible to talk to a rep, and getting tossed around from one person to another and have to explain the whole problem again.
Product: Debt collection

This company popped up on my credit report as me owing them a balance I never incurred. I have no knowledge of this company, nor have I ever done business with them.
Product: Checking or savings account

I am complaining about Citibank 's penalty of {$110.00} on XX/XX/2019, when I withdrew the CD money right after I finished the 6 month term and they automatically renewed into a new 6-month term with much lower interest rate. 

I opened a 6 month CD with Citi Bank on XX/XX/2019, expecting to mature on XX/XX/2019, by definition of 6-month. To my surprise, it expired 2 days earlier, and automatically renewed into a new 6-month CD with 0.75 % interest rate. This was much lower than before and than competitors ', so I went to the branch to discuss with a banker on XX/XX/XXXX. She said had I talked to her a day earlier, it was still within the grace period, and they could have offered a much higher renewal interest rate for the new 6-month term, but that day I would have to pay penalty to change to the new rate ( at least 1.5 %, but I can not remember clearly ). I argued that I thought the original CD expired on XX/XX/XXXX by definition, so that day ( XX/XX/XXXX ) was still within 7 day grace period. She was empathetic and called Citi Headquarter to try to waive the penalty, but was declined. 

I found 3 fishy practices here : 1. Citi named it XXXXmonth CD : it started on XX/XX/2019, but it matured 2 days before XX/XX/2019. So the customer had a shorter window to respond to its inferior renewal offer. 
2. Citi has 7-day grace period for CD but competitors like XXXX and XXXX have 10-day.  Again, the customer had a shorter window to respond to its inferior renewal offer. 
3. As long as I talked to Citi within the grace period, I could have had much higher interest rate for no cost. Otherwise Citi would silently renew the CD with a very low interest rate. Citi is banking on customers ' ignorance and financial illiteracy to make a profit. 

4 days later, I paid the penalty and withdrew my CD money.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX  XXXX XXXX Balance Owed : {$0.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$1800.00} U S DEPT OF EDXXXX XXXX Balance Owed XXXX {$1100.00}
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I sent in a letter after pulling my credit and seeing several inaccuracies on my consumer report. I asked for verification and validation and I was nothing to validate the inaccuracies. This will be my third time asking for an accurate investigation. Please delete this account of my file immediately and notified the other credit bureaus of the deletion. It is damaging to my consumer report.