23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Citibank 's business practices and lack of sensitivity toward the XXXX violates XXXX Laws. Upon speaking to Citibank concerning charges, XXXX on chat online began to enlarge text after I disclosed that I was XXXX. She began to repeat the same text and send enlarged text. I found this to be highly insensitive and offensive. I did not request for her to enlarge the text and I never told her that my XXXX was visual impairment. I am requesting that this be attached to any previous complaint submitted regarding the discrimination that I have endured while banking at Citibank. I was refused service at the local branch in XXXX XXXX because I was XXXX. The accounting practice subject customers to overdraft fees, charges that are exorbitant, customers are forced to pay merchants who do not provide the merchandise, etc. The bank does not display a policy that is supportive of their XXXX customers. I have also noticed that the same person who assisted me on this chat was not named XXXX, but XXXX and this same person was the same person who chatted with me regarding a different company like XXXX. I will support the chat transcript of CITI and XXXX.
Product: Credit reporting or other personal consumer reports

XXXXXXXX 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 XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX As you can see some of these hard inquiries are the same i placed a fraud alert on all three reports XXXX XXXX and transunion I did not authorize any of these inquiries
Product: Mortgage

On XXXX XXXX, XXXX I submitted to Wells Fargo a complete loan modification package. Three days late they denied me without even opening the file. However, on XXXX XXXX, XXXX the file was opened and underwritten and I was one piece of paper ( XXXX ) shy of getting into active foreclosure status. I immediately offered a supervisor the one missing paper but was denied. On XXXX XXXX, XXXX I filed a Chap. XXXX BK to stop the sale. My property was titled in XXXX to the XXXX XXXX XXXX XXXX XXXX XXXX. Prior to filing the BK XXXX I appointed XXXX XXXX XXXX, attorney as trustee of trust ( also my brother ). On the day of foreclosure I received a phone call stating XXXX XXXX, attorney 's for Wells Fargo had scheduled an emergency hearing at XXXX XXXX on the day of foreclosure. The sale ends at XXXX XXXX The hearing was a telephone hearing because I am XXXX years old and XXXX and awaiting XXXX XXXX. The four attorney 's for the bank pontificated till around XXXX XXXX before I got to speak. The bank 's attorney 's were not aware that my brother was an attorney and the trustee. The Judge made an error in dismissing the automatic stay because I had filed a Chap. XXXX Pro Se. I explained to the Judge that I would have an attorney at the next court appearance. The Judge lifted the automatic stay and ordered XXXX to cry out the sale. I had a witness, XXXX XXXX, at the XXXX courthouse and no sale was cried out from XXXX to XXXX XXXX. Also, the sale had been advertized on XXXX and was pulled the day of the sale. We think it may have been put back on XXXX for 2 minutes around XXXX XXXX The point is the sale was not a legal sale and the auction was a sham because I had investors at the court house steps ready, able, and willing to bid on the house. Using devious means at the last minute the day of the foreclosure sale CHILLED THE SALE. Only 7 days prior to the sale date I went to XXXX 's offices with a proof of funds letter to buy back the house. I have made numerous offers to buy back the house. I have filed a wrongful foreclosure suit Case # XXXX in the Superior Court of XXXX County to try to get a TRO to stop my eviction on XX/XX/XXXX. I need your help in setting aside a wrongful foreclosure. I qualitfy for a modification and even have the money ( {$450000.00} ) to buy back my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to reinvestigate accounts that were " certified '' by a creditor which is a violation of FDCPA. I filed a police report on XX/XX/2020 and submitted it to Experian and I spoke to an Experian supervisor in XXXX XXXX and they refuse to block the accounts which contain charges due to identity theft stating that they can only block an account once. This complaint is my effort to remedy this error without litigation as the reporting errors have caused me to be denied by the SBA for Cares Act Loans which has caused me XXXX  in damages.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Product: Checking or savings account

I have had a checking account with Bank of America for years. Recently they had started assessing a {$12.00} maintenance fee against my account. I don't log into my account frequently so I only noticed that they had done that when I was trying to make a payment yesterday and I didn't have enough money to do so because they had hit me with 5 maintenance fees of {$12.00}! It is ridiculous that BOA assesses these fees when there had been no activities in the account and also they never notified me of this monthly fee. I don't even get statements! I know I should have logged into my account sooner but I didn't realize my account will be robbed by the very institution that I placed the trust. I am asking BOA to reverse those fees that were not disclosed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV funding LLC my account ending in XXXX was sold on XX/XX/2023 effective XXXX/XXXX/2023 placed my account with Resurgent Capital services L.P for services In accordance with the fair credit reporting act XXXX XXXX Reference # XXXX has violated my Rights 15 USC 1681. Section 602 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX/DEPT OF ED XXXX XXXX : {$2400.00} XXXXDEPT OF ED XXXX XXXX : {$4000.00} XXXX/DEPT OF ED XXXX XXXX : {$9000.00}
Product: Checking or savings account

Bank of America is the bank I bank with and I never noticed til today that they are over charging me everytime I use a atm machine Im paying the usual cost such as XXXX then Im also charged a extra XXXX and whatever the atm machine charges my bank charges me XXXX I spoke with a rep on XX/XX/XXXX the rep agreed that I was in fact double charged ever since I began with my bank XXXX  years but the rep said he can only refund me XXXX transactions!! Absolutely wrong that a bank is allowed to over charge customers then refuse to refund it I will go up every chain of command with complaints and to the news if Im not reimbursed for the stolen funds
Product: Money transfer, virtual currency, or money service

PNC has issues with connecting bank account with companies like XXXX   to be able to transfer funds.
Product: Debt collection

On Monday XX/XX/XXXX, it was brought to my attention from my home lender that I had a collection from Enhanced Recovery Company with the originator as XXXX for {$2000.00}. An account was created under my name sometime in XXXX and the collections were filed under my XXXX and XXXX reports on XX/XX/XXXX and XX/XX/XXXX respectively. 

I have never had a XXXX account and don't hold any email or physical records of creating an account as well as bills sent to my physical address or e-statements sent to my email address. I also don't have any payment methods linked to a XXXX account. 

On Thursday XX/XX/XXXX, I called XXXX to clarify any billing information under my name and they told me an account was closed and there were no records of payment. 

Today, Saturday XX/XX/XXXX, I went to the XXXX  store to gather further information regarding this account. The store representative showed me an address based out in XXXX, XXXX  with two different phone numbers that I have no affiliation with as I live in XXXX and have never visited XXXXXXXX. I have attached a couple photos of the address that was used to purchase 2 XXXX 

I have clarified with XXXX that this account is fraudulent and that I have no association with this account other than my credit being adversely affected as a result of the collection from Enhanced Recovery Company listed on my XXXX and XXXX credit reports.
Product: Credit card

I have a credit card with a company called truist. I applied for a card with no annual fee or apr for 12 months. However, during the first year I got charged a lot of interest and even an annual fee. I reached our to the CFPB, and they reached out to truist and the issue was fixed, or that's what I thought. Recently I got charged another annual fee even though like I stated, the card I have has no annual fee. I called them and let them know of the issue but it's been close to a week and I still see the annual fee, and now I'm getting late payments and interest because of this annual fee
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX. I informed Transunion about this however, they ended up removing all of my credit cards from my credit report. 

My Advisor at XXXX had assisted with helping me create my paperwork. She added a few accounts that were opened directly by me. 

I really need these accounts reinserted on my Transunion Credit Report because they do belong to me and they were not affected while I was involved in XXXX XXXX. 

THE ACCOUNTS : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please reinsert these accounts on my Transunion credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One # XXXX is reporting an account to my credit with a balance that should not be on there. This has been paid off for some time and is still reporting a balance and I need this removed off of my credit.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against LVNV Funding LLC regarding discrepancies in the information reported on my credit report. The reported balance for an account is listed as {$730.00}, with a date opened of XX/XX/2023. However, this information appears to be inaccurate or inconsistent with my records. The incorrect reporting of this balance and the account opening date is causing inaccuracies in my credit report and could negatively affect my credit score.

This issue represents a violation of the Fair Credit Reporting Act ( FCRA ), which requires creditors and furnishers of credit information to ensure the accuracy and completeness of the data they report. Specifically, under 15 U.S.C. 1681s-2 ( b ), furnishers are required to investigate and correct any inaccuracies reported to credit bureaus. The discrepancies in the reported balance and account opening date by LVNV Funding LLC fail to comply with these requirements, compromising the accuracy of my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VAXXXX VIRGINIA DEPARTMENT OF XX/XX/2023 XXXX XXXX XXXX  XXXX Balance Owed : {$540.00} XXXX XXXX XXXX XXXX XXXX , VA XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Product: Credit card or prepaid card

I have a credit card account with Bank of America and paid off my balance on it. Unfortunately my card got hit with fraud and suspicious charges that I had nothing to do with. When I called Bank of America customer support they were not helpful and gave me the run around by transferring me to different teams. They were rude, and put my on hold for hours. They did not help me understand why there were extra charges on my credit card in addition to the fraud activity. The customer support team just kept transferring me and at one point hung up on me. Very rude and unacceptable behavior!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the accounts listed below. These accounts are not accurate or correct. I would also like for the bureaus to provide the procedure used to verify these inaccurate items. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX, XXXX. ( XXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Back on XX/XX/23 I sent a letter to experian to dispute some items on my credit that i did not agreee with. i have yet to receive any information that my dispute has been processed and this is the second time they have ignored my request.
Product: Mortgage

I currently have a second mortgage on my home that I have lived in for 17 years. XXXX PNC bank as far as I know still has my second mortgage that I currently pay on. 
I never receive any documentation from these people, no statements, I have no idea what I owe etc ... or if I 'm even in good standing. About a year ago I was going to refinance and noticed that they appeared on my credit report under bankruptcy, I called and left several message received no phone call back. I did not send in payment for a couple months in hopes this would prompt someone to call me back, instead they put me in pre forclosure over XXXX dollars which I then paid in full, since then not one source of documentation or communication. now I am going to attempt to refinance and they do n't even appear on my credit report at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and i have a bunch of accounts open in my name that is not mine. I already try contacting the bureaus but they didn't help me and they're customer service was rude. I also submitted a XXXX  report and affidavit also letters with all the items that were not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

The status is incorrect for the following accounts, public record and inquiries listed in my report are unauthorized and fraudulent. 
XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Penn Credit have attempted to collect a debt not owed by me. Rather than conduct any effort at due diligence, they have pursued me simply because I have a similar name to the debtor. This business practice is reckless and may be illegal. On XX/XX/18 Penn Credit wrote to me in an attempt to intimidate me in to paying a debt of {$920.00} owed by someone else. Penn Credit has refused to cease and desist in their harassing and bogus collection efforts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 3. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 4. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violaon not reporng 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of accoun XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report.

6. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Product: Credit card

XXXX XXXX was uncooperative when attempting to cancel a flight in the amount of {$71.00}. Their policy states a credit will be issued toward future travel in the event a refund is not applicable. This is the resolution I was expecting. I was unable to reach the airline by phone, email, chat, or app in order to cancel a flight. It was not until XXXX hours later that I was able to reach an agent on the phone who told me they did not have the authority to assist with getting a credit for this ticket and they were also not able to escalate the issue. They told me to dispute the charge with my bank to resolve the issue. 

After attempting to dispute with American Express I was told they were unable to open the dispute based on the timeline of the flight and purchase, but that I should be able to apply the value of the unused ticket toward future travel. When I stated that the airline was not providing the credit and ignoring my requests, I was told to continue contacting the airline to resolve the matter. After numerous attempts the airline is ignoring my attempts and refuses to look into the issue. I asked American Express what the next course of action would be if the merchant refuses to speak about the issue in bad faith. I was told there is nothing they can do.
Product: Credit reporting or other personal consumer reports

I filed a dispute with TransUnion on XXXX due to an invalid debt collection that appeared on my TransUnion report and on my XXXX consumer report as well. The reason I'm writing this complaint is due to the fact that, i filed two disputes for an inaccurate collection one to XXXX and one to TransUnion. 
XXXX XXXX XXXX account # XXXX, report # XXXX, was deleted immediately from my XXXX consumer report on XX/XX/2024. 
XXXX XXXX XXXX account # XXXX has been disputed on my TransUnion consumer report as well, but TransUnion has yet to delete this derogatory inaccuracy. 
I'm asking that you please investigate TransUnion 's reviewing of my disputes due to the fact that XXXX deleted the account therefore admitting that this XXXX XXXX XXXX is in fact invalid. 


Thank you for your time and attention to this matter.