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

My vehicle was stolen on XX/XX/XXXX my insurance company resolved it as a total loss on XX/XX/XXXX th 2024 and sent a check XXXX it was cashed XX/XX/2024 by ally financial. Ive never had one miss payment on my account for the whole duration of my loan. Ally financial placed a late payment on my account for XXXX. They did not post my account was {$0.00} balance until XX/XX/2024. They stated they couldnt located the check so when they found it they posted to my account. I called and continued to get hung upon and was told that they will do an investigation and it could take up to. 45 days
Product: Credit card or prepaid card

This is the same message I sent to citi bank. 
I am not happy with how citi bank has treated me & Im about to unleash my wrath on citi bank thru social media. Prior to being away from home for 2 months, I called to make a final payment & to close my account. I paid it off. Thats over $ XXXX. When I returned home yesterday, I received a statement that said I owed {$1.00}. When I called to straighten it out, the unmitigated rudeness of XXXX, was unacceptable. He could care less what I had to say. The charges were now over {$2.00}. I paid it & told him I would not be in the state when my final statement would arrive & that there had better not be any further charges. He said, this amount is only a guess. There may be other charges. I told him there cant be other charges, the account was closed in XXXX! He just kept repeating the line. All I can say is, I will be reporting this to the XXXX, & the body governing banks! I am a XXXX XXXX XXXX veteran, who has spent his entire life working to achieve a credit score of XXXX. I dont miss payments. They dont just dole out this type of score to anyone! I worked for it. Now I have a bank that appears to be full of crooks, trying to XXXX me & my credit score. Is this what a XXXX veteran should expect from your bank? I think not. I will be contacting the media, if this cant be straightened out quickly. I am preparing to be out of the country when any additional statements will arrive. I paid off the entire amount, they told me to, but I think these changes should not have occurred in the first place, because I closed my account in XXXX, immediately after making the final payment. Same phone call. I am disgusted by XXXX & his inability to do anything to help me. I am more disgusted by citi bank for willfully trying to undermine my credit. This can not stand! If you cant figure it out, so my credit score doesnt drop, I will be the biggest mouth youve ever seen, that I promise! I will be discussing this with every veterans group I can find online. If that doesnt work, I will walk around outside your headquarters & time square, with a sandwich board strapped to my back, telling everyone what citi bank is doing to a XXXX veteran. I will not stop, until citi bank understands, they cant just XXXX people over, especially in these financially trying times! Please respond. I will be starting the rant on XXXX this evening! I promise it will hurt your bottom line, if I can convince everyone I know, to drop citi bank. I will be going to VA hospitals to discuss this with veterans support groups! This isnt the first time citi bank has screwed me over. I promise, a Pitt bull has nothing on me. I dont let go Thank you for your attention to this matter. I expect to hear from you with a quickness. 
Not happy with the shenanigans at citi bank, XXXX XXXX When I finalized my account, I cut the card up & threw it away. The statement doesnt show my account number, only the last 4, XXXX, I hope it helps,
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my report and contacting these companies they are stating I do not have a file/account with them at all. Unsure to why inquiries are on my report. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Transunion-XXXX File number XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Both Equifax and XXXX  are reporting an account on my credit incorrectly. I have contacted the company from which I had the account ( XXXX XXXX XXXX Credit Card ) to have it corrected. The company sent me all of the documentation from my account. I disputed the reported information with both agencies twice in writing via certified mail by submitting the documentation from the creditor to have it fixed. All disputes were closed without the correct information added to my report. Both agencies actually did change the information making it worse and are now reporting it in a manner that is hurting my credit score even more. I am trying to purchase a home and this is hurting my score which could impede my ability to buy or cost me more money on my loan.
Product: Debt collection

I'm on social security and direct deposit and explained what your site say 's about about debt collectors and social security and I explained this to them every time and they keep calling. Two weeks ago they called after XXXX XXXX. And usually they call 2-3 times a week but my phone blocks unknown numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud dealing with computers Giving false and inaccurate information both knowingly and willingly Falsely providing information give fake credit score to make credit applications and loans get denied using my name identity theft XXXX privacy no protection You must respect my rights I know I have the federally protected right to privacy you are or did violate my federally protected right as an consumer Correct the damage done to my credit profile from each pull and consumer credit transaction that your company made happen when my data was sold and leaked over the net it was done each time my credit was extended time per U.S.Code and United States Law i demand Remedy per our Federally protected consumer rights and the US code of Federal Regulations for each Violation committed i approached each auto dealership in good faith denied for stating my rights .Sad time when knowing your rights you'll Be treated like trash credit score says XXXX I demand my the score Be fixed and noticed on each credit company they been ruining my life deceptively stealthy engaged in an conspiracy against violating my rights
Product: Credit card or prepaid card

On XX/XX/XXXX, I checked my American Express account after receiving notice that I was charged a late fee. I was not supposed to have a balance in the first place because a balance transfer of {$360.00} was supposed to have occurred. XXXX XXXX XXXX had approved a balance transfer from the American Express account. However the charges still remained on the American Express account. I also was charged a {$40.00} late fee for not making the XXXX payment. When I called to speak to a representative she said that American Express changed their policy and weren't allowing balance transfers during the pandemic. The information did not sound correct to me. She said all she could do is wave the late fee for me. Then she said my account maybe subject to APR penalties because of the missed payment. This is not fair at all. I called another American Express representative and he said this should not have happened. But it did.
Product: Debt collection

XXXX XXXX Applied my last payment of {$57.00} paid on X/XX/3017 to someone else 's account resulting in this hitting my credit report dropping my credit score by 29 points. 

I have contacted them and made it clear that this needs to be removed immediately and the 29 points need to be put back. They stated this could take 7 to 10 days And I 'm in the process of purchasing a brand new home with my husband. 

When trying to reach out to the credit agency CBE it States that no one is available. This is inexcusable. Not only did I leave a forwarding address but clearly the bill was paid in full.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized hard inquiries that appear on my credit report, which I believe are due to fraudulent activity. I did not authorize these inquiries, nor did I apply for credit with these institutions. 

Upon reviewing my credit report, I found the following unauthorized inquiries : XXXX XXXX XXXX Inquiry XXXX : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Inquiry Date : XX/XX/XXXX ( repeated ) XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX FCRA Violations Related to This Dispute Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681b ], a consumer reporting agency may only furnish a credit report for permissible purposes. I did not authorize these inquiries, which means they violate FCRA 1681b ( a ) ( 3 ) ( Permissible Purposes of Consumer Reports ).

Additionally, under FCRA 1681i ( a ) ( 1 ) ( A ) ( Procedure in Case of Disputed Accuracy ), credit reporting agencies must investigate disputes within 30 days of receiving a complaint and correct or remove inaccurate information. 

If these unauthorized inquiries are not removed, I request written proof that I provided express authorization for each inquiry under FCRA 1681b ( a ) ( 2 ). Failure to provide such documentation is a direct violation of my consumer rights.

I Request for Immediate Action I formally request that the CFPB take immediate action to : 1. Remove these unauthorized hard inquiries from my credit report.

2. Investigate and provide documentation proving I authorized these inquiries, or confirm their deletion.

3. Ensure that credit reporting agencies comply with FCRA regulations to prevent further unauthorized inquiries.

I expect a written response within 30 days in accordance with FCRA requirements. If no action is taken, I am prepared to escalate this matter, including seeking legal recourse for noncompliance with the FCRA. 

Thank you for your prompt attention to this issue. Please confirm receipt of this dispute and provide an update on the resolution process.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Director of XXXX XXXX XXXX and XXXX XXXX STOLE my IDENTITIES, did CREDIT FRAUD, GRAND LARCENY, IRS TAX EVASION, PROPERTY THEFT of house on XXXX XXXX, XXXX RI XXXX, that I XXXX XXXX, am the Inheritor of, but she STOLE my father XXXX XXXX IDENTITIES, my son XXXX XXXX XXXX 's IDENTITIES, DID CREDIT FRAUD, sling with XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX employees STOLE my IDENTITIES, Hodosh, Lyon, Hammer Stole my IDENTITIES, did CREDIT FRAUD, GRAND LARCENY, so did FUGITIVE XXXX XXXX XXXX aka Fugitive name XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX or XXXX, XXXX XXXX XXXX and others.
Product: Credit card or prepaid card

I had an XXXX XXXX credit card issued by TD bank for several years as my primary credit card. When the card was an XXXX XXXX credit card, I received their mail including new credit cards and statements. So for several years my address worked fine. Then the card switched then from being XXXX to a TD cash credit card and an issue with my address occurred without me changing any information. 

When the switch occurred, TD bank made an error with my address, which made it so I no longer received any mail from them including the new credit card and statements. Therefore, I received no paper statements of what I owed them through the mail. Also with no credit card number, it is impossible to setup an online account or go through the forgot my username/password link. The only communication I had was an e-mail saying I owed money to a credit card I never saw. In the e-mail, it said If you have any questions, please call us at the number on the back of your credit card., which is impossible for me since I did not receive a credit card because of TD bank. I had tried to login to the site using my previous credentials for the XXXX banks credit card site. After that did not work, I assumed that I had just fallen for a phishing scam, because I had no evidence that I actually was issued a credit card from TD bank. 

With no way for me to view either paper or electronic statements, because TD bank messed up my address, they started to charge me late fees for reoccurring payments on a card that I had not received, activated, or used. I noticed in the spring of 2020 that my credit score had been lowered and after checking the report that I had late payments on a card I had not seen. When I called TD bank on XX/XX/XXXX of 2020, the person on my phone told me that their system showed that my mail was returned, so I had not received the credit card or statements through no fault of my own. If the address I had given was incorrect then I would not have received mail for several years while this card was an Ally bank credit card, which was not the case. 

I have filed a dispute with TD bank stating the above, and they responded by erasing my balance, but said the record of late payments would stay. I also tried to dispute the late payments through the credit agencies, but they only removed the last late payment, since TD bank had cleared my balance for the last month.
Product: Credit card or prepaid card

On XXXX. I contacted Bank of America to close my credit card account. I spoke with what they told me was appropriate department. I was assured that this would be closed within 24 hours. I also was assured that my XXXX $ credit would be sent back to me after 2 billing cycles. Today I received an e mail that Bank of America has been continuing to bill reoccurring accounts that had been set up even though we had already set these up with a different credit card and they used my {$170.00} credit to pay these accounts and now supposedly I owe them {$30.00} as what they have billed exceeds the credit I had. I discussed with Bank of America today and they simply gave me the runaround and again assured me that the account is closed within 24 hours. Today first I spoke its XXXX and then XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX, also known as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, for numerous violations of my rights under the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ). 
Details of the Violations : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  refused to acknowledge my dispute or remove a charge from my credit account, in violation of the FCBA ( 15 U.S.C. 1666 ). 
o XXXX XXXX  deliberately reported inaccurate information on my credit profile to all credit bureaus ( XXXX, Experian, and XXXX ), in violation of the FCRA ( 15 U.S.C. 1681s-2 ).

o Despite disputing the account with all three credit bureaus between XX/XX/XXXX and XX/XX/XXXX, they refused to remove the derogatory mark from my credit profile, in violation of the FCRA ( 15 U.S.C. 1681i ). 
XXXX. XXXX, Experian, and XXXX : o These credit bureaus supplied inaccurate information to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, who then took adverse actions against me by reducing the available credit on my account to the balance on the account, bringing my credit utilization over 100 %, and destroying my creditworthiness, in violation of the FCRA ( 15 U.S.C. 1681e ( b ) ). 
XXXX. XXXX XXXX : o In XXXX, XXXX XXXX refused to remove a charge billed in violation of the FCBA after I submitted over 10 disputes for the same charge, in violation of the FCBA ( 15 U.S.C. 1666 ). 
o XXXX XXXX reported the inaccurate information to credit bureaus, in violation of the FCRA ( 15 U.S.C. 1681s-2 ). 
o Following my complaint with CFPB, XXXX XXXX removed the charge but failed to acknowledge and respond to my dispute. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX credit card account based on inaccurate delinquency information, despite my record of never missing a payment on that account, in violation of the FCRA ( 15 U.S.C. 1681m ). 
As a result of these violations, I have suffered significant financial damage, including : Loss of over {$22000.00} in credit line. 
I am forced to pay over {$800.00} in interest and fees every month since XX/XX/XXXX to keep my credit accounts open and prevent further adverse action. 
Denial of a mortgage by XXXX XXXX, denial of Business credit by XXXX based on inaccurate information provided by XXXXXXXX XXXX XXXX XXXX XXXX 
Harassment by phone calls and mail from XXXX XXXX  regarding the alleged delinquency on my XXXX account.
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. 

Account name : XXXX XXXX Account Number XXXX, Account name : XXXX XXXX Account Number : XXXX, Account name : XXXX XXXX Account Number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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. 

All XXXX XXXX
Product: Mortgage

Contacted by XXXX XXXX from financial freedom mortgage about end of XXXX. I explained to her I would not be discharged from my bankruptcy 2 years until XXXX this year and that all previous finance companies said had to wait 2 years. After arguing I talked to XXXX ( supervisor  ) she assured me that freedom financial was a maryland company and was able to do the refinance before the 2 years. They said my credit was a soft pull. Turns out hard pull. XXXX XXXX came to my house to do the mortgage application on XX/XX/XXXX an assured me and my husband we had a loan for all our debt accept our cars until the appraisal came back. He collected {$580.00} for the appraisal and assured us we would have it back in 2 weeks. I had to borrow the money. 
XXXX XXXX XXXX XXXX I was contacted by XXXX XXXX for the next step. 
XXXX XXXX XXXX XXXX XXXX She set up the appraisal all the while assuring me we had the loan. The appraisal came back and then XXXX XXXX said there was no loan and I was out the {$580.00} for the appraisal. She is refusing to forward me to corporate to request a refund of the appraisal fee because they promised me it would be refunded. I was informed they shouldnt have even offered me a loan before the 2 year mark after a bankruptcy discharge so they couldnt even in good faith give me a loan. I have attempted to get corporate contact information from XXXX XXXX and XXXX XXXX by phone and email with no response. When there is a problem no one has a boss. The last time I requested contact information was XX/XX/05. I dont think Im going to get a response. I feel like they are offering loans they should not be offering and taking advantage of people. I do not have {$580.00} to throw away. They promised me the money back. They even tried to get me to skip my XXXX mortgage payment because they assured me I had the loan. Its weird to because I was receiving a lot of calls requesting to buy my house to. My husband as well. Are they getting people to skip their payment and then get further in the hole so they have to sell their house? They actually pulled my credit twice. XXXX XXXX also tried to tell me the appraisal was good for 6 months and I was advised that this is not true. Every lender usually wants their own appraisal.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen in 2012. One of the address 's is listed as mine on the credit report along with three phone numbers and a spelling of my name that I don't recognize. I would like the address, name, and phone numbers removed from the report. Criminal charges where filed they where found to be guilty and are serving out sentence.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I was told by Social Security that the XXXX had put in a request to take {$160.00} from my check. They told me to contact the XXXX. When I called them I was referred to Transworld System , Inc. In speaking to them 2 months before the deduction was suppose to take place. I told them I needed to make arrangement to pay my student loan at a lower rate because I was not working anymore and I was now on Social Security and I could not afford for them to take this {$160.00} because it would be a hardship for me because I was on a fixed income and I was a senior. They told me if I went into their program for the Student loan, this will stop them from taking money. I signed all the papers to go into the program for 9months. They would take {$5.00} a month for 9 months and I would move out of default status and continue paying the loan until its paid off. This was not true. Not only did they take the {$160.00} they also took the {$5.00} from my account which I signed up for. This is causeing me a hardship because now I am short on paying my rent because. I still have co-pays for my XXXX medicine because I am XXXX. This was the purpose of me going into the program to avoid this situation. They told me this would prevent this from happening. The company is very unprofessional because I have called them left messages and they never call you back. You have to keep calling them and every time you reach them a different person answer the phone and they always come up with some other documents needed. I 've called several times and they have told me that my counselor XXXX XXXX XXXX is not in, but they will get the documents to him. This is very unfair to anyone and more less a senior. What was the purpose of getting involved in this program? If this was going to happen, maybe I could have research a way to speak with Student Loan Department. Transworld said they were working on behalf of the XXXX Student Loan Education.I was misinformed.
Product: Debt collection

Choice Recovery, Inc. sent me two statements XXXX XX/XX/XXXX and XX/XX/XXXX for XXXX XXXX, XXXX for {$320.00}. I sent the firm a cease letter by certified mail on XX/XX/XXXX and the firm still reported this debt to the CRA. I had to dispute it to have it removed. Choice Recovery, Inc. sent another letter on XX/XX/XXXX for XXXX XXXX, XXXX for {$170.00} I sent the firm a cease letter on XX/XX/XXXX and the firm still reported this debt to the CRA. I need this false reporting removed from my credit report and the firm needs to know the FDC act. Its just a matter of time before they create another fake collection with a diffrent dollar amount and disregard my cease letter and report it to the credit reporting agencies. I need this to stop.