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

If you continue to disregard, fail to comply with, or lack substantial, satisfactory, and/or visibly evident proof of compliant reporting practices, I must caution you that this letter serves as my formal notice prior to potentially seeking redress in the nearest civil court through a writ of review concerning the aforementioned issues I suspect. Please understand that I am the affected consumer of your unverified or insufficient reporting practices. Consequently, I am disputing the assumed, yet highly conditional, reporting privileges for any and all claims contested within this consumer complaint. This statement demands your demonstration of authoritative, verifiable, compliant, legal reporting that unquestionably adheres to no less than the mandatory state and federal reporting requirements and statutes. My insistence on your thorough examination shall specifically encompass, but not be limited to, your adherence to agreements referenced within the FCBA, FCRA, ECOA, as well as all relevant laws within my state, proven to be sufficiently comprehensive in showcasing that your adequate statutory reporting occurred precisely as it pertains to any claim purported by you in my report ( s ). Of particular concern to me is whether any or all aspects of your claims are alleged yet demonstrate potential deficiencies, potentially deviating from your obligatory adherence to industry standards for lawful, fair, and ethical reporting, while maintaining an appropriate status. Undoubtedly, your obligation should be one of verifiable conformity to the Metro 2 Data Field Formatted Reporting Standards, as per CDIA guidelines!

I've recently obtained copies of my personal consumer credit reports and have noticed questionable or insufficiently verified data within my file at your company 's offices, as outlined in my reviewed documents. I'm worried that this information might have been mistakenly or intentionally added back to my credit report by your offices after being removed from reporting, without providing the necessary five-day notice to me, as required by reporting regulations that your company must adhere to.

According to the Fair Credit Reporting Act ( FCRA ), any previously removed reporting item can not be reinserted into a consumer 's credit report without written notice from the relevant credit reporting agency or agencies directly to me, the affected consumer, within five business days of the alleged reinsertion date. I want to make it clear that I haven't received any such notice or confirmation regarding the accuracy and completeness of the reported claims. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX  XXXX Listed below are the Inquiries that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have attempted several times to remove information from my credit report with TransUnion that is a result of identity theft. XXXX placed an account that was opened identity theft into collections. The collection company, XXXX XXXX, of XXXX XXXX, MN added this to my credit report with TransUnion. This information is false and despite my submiting of all information requested by TransUnion, including a police report detailing the identity theft, they have declined my dispute efforts and this damaging information continues to appear on my credit report.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX disputed inaccurate information on my behalf and submitted re-investigation results to TransUnion, XXXX and XXXX. The credit bureaus did not correct the information.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I completed a money transfer to the XXXX in the amount of {$3900.00} + XXXX fee = {$4000.00} through Western Union. I was asked to upload my ID which I did. The XXXX is XXXX. Nothing unusual in the process until I received an email that my transaction has been declined. I checked back on the app and it still shows that my transaction is " in progress. '' The communication with Western Union has not been the best and since I knew that Western Union does not have the best communication I gave it a few days to update the status on the app. Even at this time, the app continues to show that the transaction is in progress. 

Today, XX/XX/XXXX, I contacted the customer service for the Western Union and asked why was my transaction declined. The reason given to me was it was declined due to a business decision. The rep suggested to start a new transfer using a different location. I asked why a different location. I also asked to clarify if I can or can not use the Western Union app anymore. 

The verbiage use appeared to be misleading or confusing. Basically my understanding is that I could not use the app anymore and I have to go to another location. The rep said that I can still use the app but I just need to start a new transaction. At this time, I have a feeling that the reason why my transaction was declined was not about the app at all. Again, I asked what is the business decision and the rep said there are no other information related to the reason. I asked again perhaps that Western Union can not honor the rate on the app. NO other information was given. 

This has happened a couple times in the past but I never had time to actually investigate nor did my recipient have time to wait for the money I was sending. Fortunately today, I have the time off and my family is not in dire need of my remittance. I would definitely like to get this resolved sooner than later so my family does not to wait longer unnecessarily. 

In the past, it seemed to be a similar situation, My transaction was declined and was told that it was my bank. Then I called my bank and bank said Western Union didnt even attempt to draw ( meaning it was cancelled without contacting my bank ). Another time, it was saying that I met my limit already which is not true nor accurate based on the information that their own customer service told me. But in these past cancelled transactions, I noticed that the rate was higher ( about XXXX higher ) than the current one. 

I just want to know if this is legal and allowed. It seems like it should not be the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/XXXX ( XXXX XXXX DELAWARE XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX they pull my report and did hard inquiry without my consent opt out before ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ( XXXX ) XXXX they pull credit before i said yes when isuggested to cancel the report being pull ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX , WA XXXX ( XXXX ) XXXX i never requested this hard inquiry about my credit ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX i did not grant permission to have my credit report pull or any other matter ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX i did not aproved this ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX this should not be here and they did not supposed to pull my credit or do hard inquiry ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX i never give my info and gave them permission to pull my credit file ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX , AK XXXX ( XXXX ) XXXX i did not request this hard inquiry since it was a checking account created nothing related with credit ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX i never requested any about this ) XXXX/XXXX/XXXX ( CREDIT PLUS XXXX XXXX  XXXX , MD XXXX ( XXXX ) XXXX i never granted permission to pull my credit file )
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed there were fraudulent inquiries on my credit file. I have no knowledge of these hard inquiries and they do not belong to me. I have a fraud alert on my credit file and was not notified of someone applying for credit in my name. My phone number is listed on my fraud alert and no one contacted me to validate if I was applying to extend credit. These are fraudulent and needs to be deleted immediately off my credit file. I reached out to the creditors and they were not able to provide me with any information on the inquiries or who attempted to get credit in my name. The inquires are listed below : XXXX XXXX XX/XX/2019, XXXX XX/XX/2019, XXXX XXXX   XX/XX/2019, XXXX XXXX XX/XX/2019, XXXX XXXX XX/XX/2019, and XXXX XXXX   XX/XX/2019.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX BALANCE {$9400.00}
Product: Checking or savings account

I used my Upgrade Rewards Checking Plus account to make a wire for {$5500.00} on XX/XX/XXXX to a recipient that I routinely transact in this manner with ( XXXX  ), and Upgrade 's fraud detection had flagged my account for suspicious activity. It is my entire amount of my funds and I have been very detailed and clear with Upgrade about the nature of the activity on my account as well as the source of payment and funds associated with every transaction I have ever made. Upgrade has failed to acknowledge my email detailing activity on my account, and has only sent me very obscure time frames for when I will receive a follow up with how to lift the restriction on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report on XX/XX/XXXX and noticed XXXX inquiries that were unauthorized, inaccurate, or made in error. 
The following inquiries are impermissible : cXXXX 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 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  I do not know these companies. I have never done any business with these companies. These companies do not have a contract with my signature. 
Please remove these inquiries from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach and these entries are unauthorized. 
The following accounts must be blocked and deleted immediately : XXXX XXXX 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

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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 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
Product: Credit card

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA - XXXX Discover XXXX XXXX XXXX, XXXX, DE XXXX XXXX : Unauthorized Credit Inquiry SSN # XXXX XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX Dear Discover, I recently received a copy of my XXXX credit report. The credit report showed a XXXX credit inquiry 's by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, and then please send me proof of this. 
Thanking you in advance, ... ... ... ... ... ... ... ... ... ... ... ... ... .. 
XXXX XXXX XXXX XXXX
Product: Credit card

In XX/XX/XXXX, after a {$10000.00} XXXX  charge, I took out a {$10000.00} loan, which if I paid the total amount owed in 24 months would not be subject to any interest. It turns out that the balance of said loan was {$1200.00} at the end of 24 months. We did not receive any type of communication besides the statement until on XX/XX/XXXX a statement arrived that the interest is now {$5000.00}. The entity in question is CareCredit, and after speaking with them, since we consider it an abusive charge for the balance we had, they told us that the grace period had expired and that the system would not allow them to make any changes. Supervisor XXXX attended to us and did not accept our proposal to immediately pay what was owed and apply the interest on the balance. We told them that we would take legal action and that we considered it an abusive and harmful charge against an American citizen. If you need information about account numbers and other related information, we will gladly provide it to you.
Product: Mortgage

We filed the background on this issue previously [ Case number : XXXX ]. 
No one at Citi admits fault ; however, they finally ( after more than 6 months ) have authorized a " modification '' to our loan. 

The remaining issue is that the people and processes inside Citi appear to be incompetent. No one shares information. Records are not updated properly. 

Although we continue to make on-time payments, we are charged " late fees ''. We continue to get " Important '' telephone calls from Citi. We have a " specialist '' assigned who no longer communicates with us or responds to email. A recent message through the internal messaging system received a reply alleging " I spoke to our collections unit and they state there is? no? modification on file for this loan. '' And yet, there is a modification on file _somewhere_.
Product: Credit card or prepaid card

In XX/XX/XXXX I was contacted by the Citi Best Buy credit card company if a charge on my credit card was mine. The amount was {$400.00} and I told them it was a fraudulent charge. The Citi Best Buy credit card company stated they would mark it as fraud and would remove it from my account. 

When my XX/XX/XXXX statement arrived the fraudulent charge was not removed from my account and I was also charged {$4.00} for interest on the fraudulent charge. 
For the following three months I have had to call and remind them of the fraudulent charge and to have the interest charges removed from my account. 

Even after the fraud charge was finally removed for my XX/XX/XXXX statement, they are still trying to collect interest from me. This is a criminal act from Citi Best Buy credit card company.
Product: Debt collection

Zwicker and Associates did not follow the proper procedures before placing the garnishment on my checking account and they refuse to allow me to remedy the situation. I called several times to try to come to a settlement or set up payment arrangements, to no avail. I should have had notice of the garnishment and judgment filed against me, but I did not. 

I was never notified of the garnishment by this agency. Instead, I was taken by surprise when I tried to access my accounts at my bank. I was originally summoned to appear in court in XXXX 2016. However, I was not able to appear in court because of recently having had a baby XXXX the week before. 

This agency has refused to allow me to make payment arrangements and as a result, the judgment and the surprise of this garnishment places an undue burden on my household and puts my job at risk. I have XXXX children, have to pay daycare, and most importantly - I have to keep my job so I can pay rent. I am experiencing financial hardship as a result of this garnishment and this agency refuses to show remorse.
Product: Credit card or prepaid card

Upgrade Card has been the worst credit card transaction that I've ever encountered in 60 plus years of financial transactions. Upgrade Card lowered my credit limit 2 months after having the card then when I called some young disrespectful rep got on the phone and tried to read some disclosure to me instead of listening to me and what questions that I had a s a customer rather than beat me down and disrespect me. They have drafted money from an account that they said they deleted but didn't until I raised XXXX  XXXX about money being taken out of my account that was said to be deleted which caused my account and credit to take a hit. I want this account deleted from my credit report immediately and I can send monthly payments until paid in full, but I won't no correspondences from them period. Upgrade card has hidden fees and every time I call them its always something different and I'm tired of it because as a customer I shouldn't have to go through this type of harassment and abuse I'm XXXX and this is beyond anything that I ever endured.
Product: Vehicle loan or lease

This lease in question American Honda Finance Account # XXXX. Is reporting 30 days late in XX/XX/2020 and XX/XX/2020. In XXXX I was sick with XXXX I was unable to call to defer the payments but as soon as I was well enough I paid it right away. Unfortunately due to Covid-19 my payment was late in XX/XX/2020 I tried deferring the payments to no avail.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2020 Equifax has been violating my consumer rights by incorrectly reporting someone elses address and accounts onto my account. I have sent numerous proofs of identification and address verification to this company. They have not only ignored me but kept me on the phone for hours telling me these addresses and accounts are mine. I investigated with their data furnisher and the creditors and they do NOT have information related to me or any account opened with them. This has all led to much strife in my family life and has prevented me from applying for unemployment benefits, being approved for business credit, and purchasing a vehicle. This company acts in an abusive manner to the consumer. This is not a frivolous complaint. This information needs to come off my report now. The following address and attached accounts NEVER belonged to me.I have submitted my proof of identification and address along with utility bills multiple times and they continue to report and ignore me. Remove the following addresses and accounts that are not mine stop violating my consumer rights! These companies get no consequences for there actions willfully violating Federal law protecting the consumer. I will be taking this to court as they have not responded to my demands.
Product: Credit reporting, credit repair services, or other personal consumer reports

After numerous disputes between XXXX and XXXX of an alleged missed auto loan payments dating from XXXX with XXXX XXXX XXXX XXXX ( XXXX ), and recorded with XXXX, Experian, and XXXX ( CRA 's ), I sent a series of letters to XXXX from XXXX to XXXX demanding under 15 USC 1692e and FDCPA 807 ( 8 ) ( 9 ) ( 10 ) that it provide verifiable evidence bearing my signature that this auto loan missed payment record belonged to me. XXXX and the CRA 's continued to claim this record was " verified, '' and never provided me the proof of such verification as I required and supported under the FDCPA laws stated herein. Thus, I filed a small claims lawsuit against XXXX in XXXX to force it to delete the record from each credit bureau as well as pay me the maximum allowed under the laws of Arizona -- {$3500.00}. XXXX subsequently lost this case on XXXX/XXXX/XXXX due to insufficient evidence to support its case, and thus showed an inability to provide verifiable evidence to the court of this record. Final court documents stating the amount owed to me, the Plaintiff, and a legal request to delete the record were provided to the President 's Office for XXXX in XXXX, NC, its Credit Bureau Dispute Resolution Unit, as well as each CRA on XXXX/XXXX/XXXX. XXXX has subsequently deleted the record. However, XXXX and Experian have not. I received a response from the XXXX Credit Bureau Dispute Resolution Unit dated XXXX/XXXX/XXXX that stated, " The record was verified. '' Both XXXX and Experian claim the same statement in spite of receiving court documents requiring the record be deleted. XXXX has a legal court-ordered obligation to delete the record with each CRA as well as pay the lawsuit fines as ordered by the XXXX County Justice Court -- period!
Product: Checking or savings account

the days are too often to count. I had to set up auto debits to get loan approvals for myself. over at least a year the withdrawals woyuld cause {$29.00} overdraft fees, sometimes three or more charges a day. I asked bank of america, even went to loacal brance, to please stop withdrawals, the companies would not. The branch was no help. by the fall of XXXX, there must have been close to {$1000.00} in fees taken. but no overdraft was ever paid. 

I -on my own, - realized i could put stop payments on these ewithdrawals and i did just that, at cost of {$220.00} On my business accountXXXX XXXX  XXXX XXXX XXXX XXXX XXXX Florida it was similar. the fee was {$10.00} but must have occurred dozens of times. then the bank closed it bc it was negative, with only their fee. 

Finally, my Bank of America card fell behind. I paid down a good amount, but the bank closed it regardless. no rewards or points and fees added to balance.