23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

For the past month, Ive been unable to access my accounts and attempts to rectify have not been resolved. I have called Citi customer service three times and the representatives have chosen not to help or resolve. Its important to note that this is the latest in several issues I have had with Citi ranging from declined credit card purchases to unjustified interests and fees.
Product: Credit reporting

I AM PROVIDING A COPY OF THE NECESSARY DOCUMENTS REQUIRED FOR A IDENTITY THEFT REPORT PURSUANT TO THE FCRA 605B.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX XXXX XXXXXXXXXXXX XXXX I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit card or prepaid card

Fortiva has not been reporting my credit card for the last FIFTEEN months! They report to XXXX but not to XXXX or XXXX! I have submitted previous complaints to CFPB to no avail. Fortiva reports to CFBD They are reporting scores and that is the end of it! However, there have not been reported scores since XX/XX/2021!!! 
This is in violation of the Fair Credit Reporting act as you well know! Please take some action rather then believing that Fortiva is keeping my credit line up to date, which is a lie! Ask them for proof and take this seriously as this is a federal law!!!!!
Product: Credit reporting or other personal consumer reports

I am deeply disturbed by TransUnion ability to undermine my confidence in the banking system. The banking system is dependent upon fair and accurate consumer reporting, pursuant to 15USC1681 ( a ) ( 1 ). I noticed accounts that are on my consumer report ; List Accounts and acc # XXXX  XXXX Bankruptcy : Bankruptcy Reference Number XXXX XXXX  XXXX Bankruptcy : Bankruptcy Reference Number XXXX Chapter XXXX Bankruptcy : Bankruptcy Reference Number XXXX XXXX  XXXX Bankruptcy : Bankruptcy Reference Number XXXX XXXX  XXXX Bankruptcy : Bankruptcy Reference Number XXXX XXXX  XXXX Bankruptcy : Bankruptcy Reference Number XXXX Pursuant to 15USC1681b, I am demanding to see in writing where I gave written instruction or permission to report this erroneous information on my Consumer Report. 
A consumer reporting agency may furnish a consumer report under the following circumstances and no other with the written instruction to whom it relates.

You have defamed my character, my reputation, my worthiness, my standing, my capacity, and my mode of living.

All of these violations are a direct violation of 15USC1681. No consent is identity theft and these violations are Aggravated Identity theft, pursuant to 18USC1028b ( 1 ) ( A ) ( ii ). TransUnion have knowingly transferred, possessed and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. 
For damages I am invoking my rights as a consumer pursuant 15USC1681 ( n ) civil liability and I demand compensation for every violation listed below ; XXXX. Permissible purpose {$1000.00} XXXX. Defamation of character {$1000.00} XXXX. Damaged reputation {$1000.00} XXXX. Damaged credit worthiness {$1000.00} XXXX. Damaged mode of living {$1000.00} XXXX. Infringed on right to privacy {$1000.00} Cease and desist the reporting of this erroneous and deceptive information on my consumer report. Delete this account from my consumer report and all your systems. The address on my credit report does not match their information file with the bankruptcy reporting on my credit report. This is inaccurate reporting which their refusing to remove. After trying to log into my TransUnion account locked me out of my account due to my disputes over their false reporting on my credit report. TransUnion was given updates of my current address as it states on my credit report and they have the nerve to block me because I'm disputing their Fraud reporting!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX ; Account : XXXX  XXXX - XXXX, Account : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) - XXXX, Account : XXXX XXXX XXXX - XXXX, Account : XXXX XXXX XXXX - XXXX, Account : XXXX XXXX - XXXX, Account : XXXX XXXX XXXX XXXX XXXX - XXXX, Account : XXXX XXXX XXXX XXXX XXXX, - XXXX, XXXX - XXXX, Account : XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), Account : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Account  XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Vehicle loan or lease

I received a letter in the mail stating garnishment. I bought the car back in XXXX and it was repossessed in XXXX a day before I started a new job and i asked them for more time and they told me it was nothing they could do, and they sold it months after that, they still trying to garnish my wages for XXXX. I asked them how come I have to pay for a car that I no longer have after all of these year, and they couldn't explain it to me. They also took me to court in XXXX and they agreed that I would pay half of that amount and now they want me to pay the whole amount and garnish my wages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, also have been affected by the XXXX XXXX XXXX on a federal and state level. The following accounts are accounts that I have been affected by : XXXX XXXX Physician # XXXX, TN XXXX XXXX # XXXX, TN XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX and XXXX # XXXX.
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 TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020- I saw a sudden drop of 67 points in my credit score. My credit use increased by {$2500.00}. My total credit use is $ XXXX 6 % of my credit limit of {$91000.00}. 

XX/XX/2020-at XXXX XXXX  EST I reached out to XXXX XXXX asking what's the reason of such a massive drop. There was a home rental inquiry apart from the credit drop. I got a copy/paste automated response telling me nothing but that it has dropped because of my credit use increase. I further asked what's the metrics used or formula or any empirical barometer used to gauge this drop or is it at the prerogative of XXXX XXXX, XXXX, Equifax or XXXX  to destroy my credit at their will. 

I got no response but that I should use my credit carefully. 

XX/XX/2020- I visited XXXX  's online dispute portal but after manuvering a while I found out that it's only a dummy for namesake dispute. It doesn't work- there are operational links and it doesn't navigate functionally at all to accept a dispute. I have a screen video of that. 

XX/XX/2020- at XXXX XXXX EST I called XXXX at XXXX XXXX XXXX and spoke to XXXX. After the initial screening I told her that the online dispute form is not working to which she said " how can I help you '' I asked her why my score dropped so drastically about 67 points. And she became rude and said you should not use so much credit. Upon that I asked what's the system, calculation or metrics to determine my score or its weightage. To which, she rudely asserted that she doesn't know that. 

I finally asked her if the XXXX  can destroy my credit at their own prerogative without any rhyme, reason or empirical evidence. To which she said no but that I should watch my spending. 

Last but not least after my credit score dropped- I immediately started getting mortgage offers at higher price than before.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to resolve this matter on my own several times. I have not received a response from them in over 30 days as law allows them to respond to me with proof I gave them consent to share my personal alleged transactions. They are sharing my information with 3rd party companies and making a profit without my consent or knowledge which is identity theft. refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or ( ANYCOMPANY ) such authority.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX  XXXX # XXXX Account Name : US DEPARTMENT OF EDU XXXX XXXX Account Name : US DEPARTMENT OF EDU XXXX XXXX Account Name : US DEPARTMENT OF EDU XXXX XXXX Account Name : US DEPARTMENT OF EDU XXXX XXXX Account Name : US DEPT . OF EDUCATIO # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customers service and unfair practices, which violate the consumer financial protection Act. Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and u protected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

After being hospitalized and losing income I was evicted from XXXX XXXX in XX/XX/XXXX. I paid a settled amount in XXXX XXXX that was agreed on via a money order. I was told the item would be removed from collections and I would receive a letter from them showing a paid in full. Neither happened. 5 years later this continues to show up on my credit report and I ca n't rent an apartment because of it.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Equifax do not have my consent, verbal, non-verbal, written, non-written to share my information with any financial institution. This is a violation of the Privacy Act 1974. 

According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law.

Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Checking or savings account

On XXXX XXXX I opened an account at Citizens Bank a national bank because they offered high interest rates on their savings account. The money transfered that day and my account was opened. I received an email dated XX/XX/XXXX that my account was opened and active ready to use. They posted in the email that their was {$2000.00} was in my savings account and {$1000.00} was in my checking account ready to use as I had requested. See attached document. A few days after it was deposited, I realized that it was not Citizens Access Bank with the desired interest rates so I told him I wanted to close my account and open my account with the correct bank to receive these rates. I instructed him to send my {$3000.00} back to XXXX XXXX XXXX. He agreed to this in the phone call. What he ended up doing was closing the account before transferring the money. I never received the funds in a check or into my XXXX account. I have spoken with to numerous managers at Citizens and they claimed XXXX should have received the money. When I contacted XXXX and spoke with XXXX the manager she said Citizens never transferred the funds back. Citizens bank has refused to do anything to retrieve my money and is denying I ever opened an account. Refer to the attached document ( email from Citizens when the account was opened ). Can you please assist me in getting my money back?
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally advise you of the deletion of an account from my XXXX credit report and to request that the corresponding charge-off account be deleted from my credit reports with the three major credit reporting agencies ( Equifax, XXXX, and XXXX ). The account in question, which was a XXXX XXXX XXXX charge-off, was disputed and subsequently deleted from my XXXX credit report after an investigation was completed on XX/XX/year>. 
Given that XXXX has completely deleted this account from my credit file, I respectfully request that Equifax, XXXX, and XXXX take the same action. The information associated with this account is now verified as inaccurate and can not be substantiated with documentation. Under the Fair Credit Reporting Act ( FCRA ), specifically sections 609 and 611, any information that can not be verified must be removed from the credit report. The FCRA clearly protects consumers from having unverifiable or incorrect information impact their creditworthiness. 
In accordance with the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) guidelines, I request that the unverifiable XXXX XXXX XXXX charge-off account be deleted from my credit report with your agency within 30 days of receiving this letter. Failure to do so within this timeframe would be a violation of my consumer rights under the FCRA. 
As outlined under Section 611 of the FCRA, if an item is not verifiable after an investigation, it must be removed. If the credit reporting agencies do not delete the unverifiable debt, I am aware that I have the right to take legal action, including but not limited to pursuing claims for damages. I also reserve the right to take any additional legal recourse available to me, including reporting the violation to the CFPB and potentially filing a lawsuit for damages under the FCRA and Fair Debt Collection Practices Act ( FDCPA ). 
Please confirm the deletion of this account in writing within 30 days, or if the information is still being reported, kindly provide a complete and accurate response substantiating the debt. 

I look forward to your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

My XXXX XXXX was repo from my home XX/XX/year>. I seen the Repo truck pull up and i told the driver to stop and not touch my car and i called Truist to make a payment even though I recall speaking with someone before about payments. The rep was unhelpful and I asked what is the amount I need to pay in order to keep my car. The rep stated that I will have to pay the entire past due amount and i agreed. The Repo company continued to connect my car after telling him I was on the phone with the company ( which is illegal in SC because it is breachof peace. ) I told the rep and he stated that he can not tell the repo company to stop if he already started even though the Repo company started after i was already talking to the rep. I was going to pay {$1400.00} roughly my past due amount and the company than refused to accept my payment. The call was recorded. The rep stated that I will have to pay storage fees plus past due amount even though the Repo company said if Truist tell them to drop the car they would right than. This company intentionally had the towing company take my car refuse payment so i filed a report with SC department of consumer affairs and the company responded that I would now have to pay {$3100.00} to get the vehicle released. This company intentionally ignored SC repo laws as well as charges late fees repossession fee and principal reduction payment in order to add up more fees and collect more money.
Product: Credit card or prepaid card

On XX/XX/XXXX I've received a piece of communication from Chase, requesting me to provide the supporting documents, which for the record I have and had, in order to resolve the claim XXXX for the charge of {$1300.00}, posted on XX/XX/XXXX with 'XXXX  '. On XX/XX/XXXX I've successfully submitted required documents - such as, but not limited to, return shipping label, tracking info, supporting documents from XXXX and sent them to previously provided to me by a representative an email address - XXXX. However, on XX/XX/XXXX I've received another piece of communication that the case has been decided in merchant 's favor due to 'not getting any supporting documents proof. As a proof of my statement, I enclose all the supporting documents in this inquiry, altogether with a screenshot of a successfully sent email to Chase. Therefore, I'm kindly requesting
Product: Student loan

My student loan is being repaid through Navient. I 'm on a graduated payment plan, which I can not afford, and they told me there is no other options for me.
Product: Credit reporting or other personal consumer reports

Dear CFPB Team, I hope this letter finds you well. I am writing to formally request your assistance regarding unauthorized hard inquiries that appear on my credit report. 

Upon reviewing my credit report, I noticed several hard inquiries that I did not authorize and were not made by me. I have contacted the credit bureaus directly to dispute these inquiries and to request their removal, as I never provided permission for anyone to run my credit. Despite my efforts, these items remain on my account. 

The details of the unauthorized XXXX hard inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These unauthorized inquiries are negatively impacting my credit score and overall financial standing. I take my credit health seriously and am concerned about the potential long-term effects these inaccuracies may have on my ability to obtain credit in the future. 

I kindly request your assistance in facilitating the removal of these unauthorized hard inquiries from my credit report. I believe that my rights have been violated under the Fair Credit Reporting Act ( FCRA ), and I would appreciate any guidance or support you can provide in resolving this matter. 

Thank you for your attention to this important issue. I look forward to your prompt response and assistance in rectifying my credit report.
Product: Debt collection

Filing another complaint as XXXX XXXX  has again tried to collect on this debt by multiple collection agencies Collection agency this time is ic systems llc I have told ic system that XXXX XXXX  keeps trying to collect on a debt that has been paid when i had my account with XXXX XXXX before porting it over to XXXX I have shared below from the orginal complaint id # XXXX which was submitted on XXXX on cfpb On XX/XX/XXXX i got a alert from transunion that XXXX XX/XX/XXXX receivables performance had hit my XXXX credit report saying i owed a debt which i dont, and in fact that never sent me any letter stating i owed this debt before even reporting it to the credit bureaus So on XX/XX/XXXX i called receivable performance up to even find out what it was about and they had said it was a u. Paid bill from XXXX XXXX, Which i ported my phone number over to XXXX in XXXX of XXXX which my bill i had paid on XX/XX/XXXX, And i stated that in order to port ur number over all bills had to be paid current, so after getting off the phone with them swung into us cell store at XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX United States At around XXXX on XX/XX/XXXX and sat down with a assiocate to figure everything out and i asked him in order to port ur number the account had to paid off and he said yes, so i showed him what was on my credit and hes like hmmm so another gentelmen who was XXXX came over and said we will have to have u call a associate so they sat me at a desk on the far right of their store after talking to this lady over the phone she said it was for a bill from XXXX XXXX i said how is there a bill from then i was with XXXX then the lady said hmmm hold on ( as she was stumped ) so she had to get with someone in the manager department at XXXX XXXX corporate then she came back on phone and said i would have to call receivable performance at a number and i said i have got off the phone with them at XXXX XX/XX/XXXX, All bills was paid on this account and us cell is making up a bill and illegally trying to get me to pay for a XXXX XXXX bill in which i was with XXXX XXXX in XXXX of XXXX XXXX XXXX XXXX  and XXXX XXXX are doing illegal bussiness tatics as XXXX XXXX violated the The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq, by not sending a letter to even try to valadate or dispute the bill in question
Product: Mortgage

Last month Nationstar / Mr Cooper claimed I didnt sent my mortgage payment. After spending several hours on the phone they eventually found the funds. This month they are again claiming I didnt send payment. My bank automatically pays this thru auto bill for and has for years. I have no way to contact a person given there given their automated phone system.
Product: Credit reporting or other personal consumer reports

I've complained about this matter several times nothing has been done. You got people over here perpetrating crimes against me and nobody 's doing a damn thing about it. I've asked TransUnions LLC several times to delete the item it's not correct it's not correct they did not provide the title within 30 days of XXXX  law so the vehicle in bad faith. You got people who are participating in a conspiracy to commit murder and you don't do anything about it. I have several claims against these people and soon we will be in court and I am demanding millions of dollars for the damages that I have suffered because of people who are perpetrating crimes against me this is your last time TransUnion LLC if it's not removed I will have charges filed against you and several other people. It needs to be removed I'm not providing any social security number or anything you know who I am and you know the report number and you know what the report says is incorrect.