23daVinci/CFPB_Complaints huggingface dataset:
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX  XXXX  Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Account number XXXX 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, credit repair services, or other personal consumer reports

Your company has taken no steps in accordance with the FCRA and FTC to properly address this matter. So now I am asking you in request for your proof of authority that your agency has to furnish this information on a credit report in accordance to FCRA Regulations. You are now in willful negligence and willful noncompliance of the FCRA and violating my federally protected rights. Please make note that I am aware that consumer reporting agencies can only furnish information on a consumer report under the following conditions and no other pursuant 15 U.S. Code 1681b ( a ) ( 1 ) ( 2 ). 
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

This is a fake call saying they are from Macys! They ask for some female! I do not have a Macys card and I thought they were out of business. When I manage to get someone on the phone they have a very heavy accent and have the nerve to ask for my XXXX #. Of course I am not that XXXX They call at least once a week. The telephone number they are clg is an emergency landline for only two people : My wife & a daughter! In case I can not be reached by my Cell phone number!
Product: Money transfer, virtual currency, or money service

I purchased XXXX from a XXXX XXXX to whom several transactions were done for the product of XXXX. The person claimed that they never received the funds and I have been going back and forth with this XXXX XXXX trying to retrieve the sum of all the funds sent to him on separate occasions. I never got the product promised and Cash app never stated that the money was going to the incorrect person. So for every transaction sent to XXXX XXXX, I need an immediate return of the funds to my cash app account. I reported this twice before and even initiated a refund was told nothing could be done because the money was already sent. I need this issue resolved and the amount returned to my cash app balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a balance of {$940.00}. A payment for {$320.00} was made on XX/XX/23 bring the balance to {$620.00} but the balance of {$940.00} is still being reported and it was never updated.
Product: Credit reporting or other personal consumer reports

On my review of my credit report, I see an inquiry that I dont recognize, I have the credit bureau TransUnion for inquiry to be removed and they have not comply. I have attached an identity theft report. I am requesting the removal XXXX XX/XX/2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have called countless times since XXXX regarding unauthorized fraudulent inquiries on my credit report and Transunion and XXXX have failed to remove them. I have mailed letters, made phone calls. spoke with countless representatives regarding the identity theft. ii have filled out identity theft report and multiple documents regarding my claim. according to 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) unauthorized inquiries are not to be reporting on my credit report however my rights are being violated as a consumer. The inquiries are as follows transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and case # XXXX. she told me these inquiries would be removed XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I have mailed documents countless times to both bureaus and they have failed to acknowledge my request. please have these inquiries removed IMMEDIATELY. XXXX MONTHS AND XXXX  MONTHS TO NOT HAVE REMOVED FRAUDULENT INQUIRIES IS A VIOALTION OF MY CONSUMER RIGHTS. ESPECIALLY WHEN I HAVE PROVIDED THE NECESSARY DOCUMENTATION ASKED.
Product: Credit card

I recently noticed that I was being changed a fee for card protection on my banana republic visa. The charges were occurring for since XX/XX/XXXX. According to Card Protection I was charged {$1400.00} in this almost 5 year period. They stated that during a conversation with Banana republic that I ordered this service. I absolutely did not. After I call they agreed to refund the amount.. I have no idea how much compound interest I paid for this scam and fraud. I never order this type of service. Due to fee all that I was paying on my account was taken up with the fee and interest. Therefore my Bill was going up and would most likely never be paid off.
Product: Credit reporting or other personal consumer reports

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized account/information reporting to my credit health. These remarks have been detrimental to my life and credit health.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment reported in 60 days 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 XXXX XXXX before the payment due date. 

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX XXXX 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 card or prepaid card

Previous to getting a credit card with Citi Bank, researched best APR. 
Applied online and was approved. 
Later found out that 24 month 0 % APR was not given at application. 
Called Citi Bank when noticed APR being charged. Customer service referred me to look at my user agreement mailed with the card. 
If I wasn't eligible for 0 % APR for 24 months then I should have been told. 

Citi Bank Credit cards
Product: Checking or savings account

PNC Closed my account that after its maturity on their side. And mailed me a check without letting me know. The account were closed on XXXX PNC did not give me the option to extend my CD nor withdraw money from the counter but have to wait for a XXXX XXXX XXXX check And this caused me waited extra XXXX weeks before I receive my principal and interests. Total of XXXX $ During this XXXX weeks I lost the potential interest, my lose was estimated around XXXX XXXX 
Thats being said, if PNC let me to withdraw the money from counter or extend it instead of mail me a plain mail. I could deposit this amount to other banks earlier and start to earn interests from an earlier date My CD account associate with my phone number XXXX, XXXX cant access online banking so I cant find this account number
Product: Mortgage

Refinanced Ocwen mortgage in XX/XX/XXXX. To-date XX/XX/XXXX and it remains on my credit report. Spoke with Ocwen representative in XXXX and they show it paid. How can I get the debt removed from credit report?
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS HAS BEEN UPDATED TODAY AS RECENT DAMAGE! UPDATED INFORMATION XXXX XXXXXXXX CONTINUES TO POST FRAUDULENT HARD INQUIRES ON MY TRANSUNION AS OF RECENT UPDATE FROM MY TRANSUNION CREDIT REPORT TRANSUNION CONTINUES TO REPORT UNAUTHORIZED HARD INQURES! 


15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report contain any of the following items of information Any other adverse item of information, othan records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681sXXXX ( A ) ( XXXX ) Aperson 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. 

FRCA 15 U.S.C 1681 Section 602A. States I have the rights to privacy. 15 U.S.C 1681 Section 604A Section XXXX also states a Consumer Reporting Agency CAN NOT FUNISH a account WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

1099a was sent to XXXX  with no response more than 120 days ago. please see attached copy
Product: Checking or savings account

My account was closed because I had a joint account with my XXXX  where we sold shoes and the deposit were coming to my account they had me come into a branch location with him to verify his identity and then they still went and closed my account
Product: Prepaid card

I received two {$100.00} gift cards ( total of {$200.00} ) that are American Express. I have tried using them in-store and online with multiple retailers and they get declined no matter what. I have activated them and have confirmed their status as active via Amex 's online site. I have confirmed the balance is on the card electronically and I confirm that I have not used them and have kept them in my possession at all times. I have tried to use these cards multiple times. These cards are not expired. The company has not helped me resolve it. American Express has told me that they see no issue on their side but they are unable to tell me why the cards continue to get declined, nor have they advised where the cards can successfully be used. This is not acceptable.
Product: Money transfer, virtual currency, or money service

I had ben a customer with Wells Fargo in XXXX area for approx 20 yrs. I was unhappy about some of their banking practices, so I moved over to XXXX approx 2years ago. On approx XX/XX/XXXX I revieved a settlement check from Wells for a class action law suit for XXXX ( I will attach copy of this check ). I went into a local branch in our community of XXXX, MN on approx XXXX to cash. They refused to cash the check as the law suit against Wells was issued by " XXXXXXXX XXXX  ''. The branch manager XXXX # XXXX explained the corp procedure, but agreed it was not right, so he opened up a complaint to his corp hdqtrs ofc and I received a # XXXX with their consumer advocate team. Approx XXXX I called XXXX and was told to ask for XXXX. After 4 unreturned calls and over a week went by, I finally got in touch with a XXXX XXXX. She did tell me that she would research to help with cashing the check and call me back ASAP. On XX/XX/XXXX I get her phone call and she reads to me the procedure that I would have to open a account with Wells to cash or deposit at my other bank, but they refuse to cash at our local branch. This is consumer FRAUD! You settle a lawsuit and then refuse to cash the check???? Something wrong here, not worth getting an attorney, but I would like to see CFPB get on top of this as their regulator and force them to cash " THEIR SETTMENT CHECK '' Thanks XXXX XXXX
Product: Consumer Loan

I am a XXXX veteran who has never been in trouble with the law, always did the right thing, always paid my bills on time so why am I being treated this badly with no recourse by GM Financial? A year ago, I leased a GM Encore for my wife whom is a XXXX. After the first year we decided to get a XXXX XXXX van ; because we needed to use her XXXX ; and the little car was not helping with that ; so we traded the leased vehicle in. XXXX XXXX of XXXX bent over backwards to make this happen. On XX/XX/XXXX they purchased my XXXX XXXX outright and sold me the XXXX XXXX. The Encore was payed off that day. My payoff was good until XX/XX/XXXX. On XX/XX/XXXX my car payment was taken out of my bank account anyway. I had Auto draft. I immediately contacted GM Financial and was told that they did receive the payoff, but they did not know whom to title the car to and that they needed a mileage statement to complete the transaction. I passed this onto XXXX XXXX. On XX/XX/XXXX I again contacted GM and was told that on XX/XX/XXXX they authorized my refund of my car payment and that it will be in the mail the next business day. On the XXXX of XXXX I called again, this time I was told that they had 30 days to get me my money. On the XXXX of XXXX I called them again and after going through all the verification that I am whom I say I am ( this included my phone #, address, etc, I was told that they did mail it out but to XXXX XXXX XXXX not XXXX XXXX XXXX, which is where I have lived since my XXXX from the military XX/XX/XXXX. The owners of XXXX XXXX XXXX stated that they did not receive any mail for me. So I asked XXXX ( GM Representative ) if the check had been cashed and he stated that it had not been cashed. He then stated and I quote " We will OVERNIGHT you a new check, void the old check, and you should have your money in 3 to 5 days ''. Needless to say it is XX/XX/XXXX and I still have not received anything. I have not received a pay raise in 8 years and am struggling trying to make ends meet. My wife and I are raising our Granddaughter as our own plus my own adult daughter has moved back home. I just need some help. Had I been late one day with my car payment, I would have had to pay a late charge, but God knows how much interest they have made using my money and the countless other people they are doing this to. Is there no justice left?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and saw inaccurate information regarding my Capital One. The status is reporting late. I find that strange since I don't recall being late at all as all of my bills are on auto-pay. Prior to submitting this complaint, I have sent over 3 letters to the bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me INCLUDING CAPITAL ONE. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies. Remove these late payments now!
Product: Debt collection

I kept getting these calls about this debt ... I told the girl calling that I work from XXXX to XXXX monday through friday and she could only call me on my lunch hour or after work hours. She continued to call and I continually rejected the call or hung up. Next call I got I was threatened with legal action. She said she would be sure I was garnished and that if I missed one payment of our arrangement she would make sure legal action was taken. I had asked multiple times for something to be sent in writing about my debt. I was assured things were sent with the dates they were sent and received nothing. I have a XXXX XXXX so not likely my mail would get stolen. I made an over the phone arrangement of {$50.00} per month and when I arrived I talked to a XXXX or XXXX that took my info then came back and said that she would not authorize my payment arrangement. Told me I had to have over {$500.00} which is over half of my debt or they would garnish me. Refused to give me anything in writing including any of their policies. Multiple times I was refused when I asked to speak with a supervisor and was forced to talk to this XXXX/XXXX person. Also I would love to attach documents but unfortunately I wasn't provided with any. Also they tried to get me to give them my husbands social security number which is also very illegal for me to even give let alone for them to ask for it
Product: Mortgage

I am a single woman, and in the process of borrowing {$170000.00} from the U.S. Bank against my house in CA. I and my mother owned the house in XXXX XXXX until she passed away in XXXX, and since then, I've been the sole owner of the house. 

The U.S. Bank rejected my loan application, claiming there is a tax XXXX recorded against my mother. I asked the Bank to send me a copy of the XXXX, but they refused. The Bank 's underwriter said : " There is a federal tax XXXX listed in your late spouses ( sig ) name. At the time this XXXX was placed, your spouse was still an owner on the title, so I have confirmed this XXXX is valid. 
" JUDGMENTS/ LIENS A federal tax lien against XXXX XXXX in the amount of {$13000.00}, plus costs, interest, additional taxes in favor of THE DEPARTMENT OF TREASURY - INTERNAL REVENUE SERVICE dated XX/XX/XXXX recorded on XX/XX/XXXX in ( instrument ) XXXX, of the official property records of XXXX XXXX XXXX, California. '' B/c the Bank REFUSED to share the lien with me, I had to do all the leg work to obtain a copy of the lien, which wasn't easy to do. It turned out the XXXX is an UNSECURED XXXX against someone else whose social security # was totally different than my mother 's. ( The XXXX clearly shows the debtor 's social, different than my mother 's ). I also had to incur my own expenses and ordered a title report for the Bank because it also REFUSED to share it with me. When I sent the title report to the Bank, along with my mother 's social security card + death certificate, the Bank 's underwriter finally said, the title report was " helfpul. '' The Bank could've easily saved so much agony for me, simply by sharing the unsecured XXXX in their possession with me. If I did not speak XXXX, the BANK would've made me pay off someone else 's XXXX. Can you please look into whether the Bank applies the same type of abysmal unfair practice to Caucasians? If the Bank has given me extra difficult time because my last name shows I'm an XXXX descent, that's clear XXXX discrimination.
Product: Credit reporting or other personal consumer reports

I am writing with the utmost urgency to demand immediate action regarding the fraudulent accounts and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. I insist that you take the following actions forthwith. Expunge all fraudulent accounts from my credit report. 
Provide written confirmation that these items have been removed. 
Conduct a comprehensive investigation into how these accounts were erroneously reported. 
Ensure that all future credit reports reflect accurate information and are devoid of any fraudulent activity.Pursuant to the Fair Credit Reporting Act ( FCRA ), it is your legal obligation to investigate and correct errors on credit reports. 

XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this new complaint due to the results from the last complaint and the error was not corrected. I am submitting this in hopes Of XXXX XXXX to reverse late fees that were being reported on XXXX XXXX XXXX XXXX XX/XX/XXXX ( 30 days ), XX/XX/XXXX ( 30 days ), XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX I have a great payment history with XXXX XXXX and do not recall ever being late. XXXX XXXX is reporting XX/XX/XXXX and XX/XX/XXXX as both being 30 days past due with is inaccurate reporting. It is the duty of the CRAs to ensure all information is being reported correctly. 

Furthermore, the CRAs stated the company sent proof that the payments were accurate and verified which I have yet to receive any documentation and or proof. I am hoping I can resolve this matter with XXXX XXXX. As a courtesy I am asking that the late payments be reversed as paid as agreed and they are hindering me from getting approved for other credit.

15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 1666b 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.

You have failed to follow the laws and provide proper documentation in regard to the validity of these late payments. If I can not get these its reversed to paid as agreed my next course of action will to submit a complaint with the attroney general.