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

disputed this account XXXX XXXX XXXX because of idenity theft due do the XXXX XXXX breach i supppled all documents required by law and this company failed to acknowldge under the fair credit reporting act sect 605b they are required by law to provide me the verifaction that was used to verifiy or delete this account. 

it is against FCRA to report a balance on a account that has been charged off
Product: Credit card or prepaid card

XX/XX/2022 ( or XX/XX/2022 per Barclay 's ) - called to request a check for the credit balance on file of roughly {$2800.00} +/- and was told it would be processed after five days due to a payment that had just been made and to allow 7-10 days after that. Then XX/XX/2022 ( or XX/XX/2022 per Barclay 's ) - called to inquire about the check for the credit balance, now at {$2600.00}, and they said it had not been processed and again to allow 7-10 business days to receive it. And now on XX/XX/2022 - called to inquire about the check for the credit balance, now at {$2500.00}, and again it had not been processed and to allow 7-10 business days again for receipt. 
I closed the account and was assured by a manager that the check is now being processed, after 42 minutes on the phone call. This is unacceptable!!
Product: Debt collection

I sent a certified letter to XXXX XXXX XXXX XXXX  asking to send me validation for 4 accounts that they have reported to the credit bureaus. XXXX XXXX XXXX XXXX violated the HIPAA law by sending me itemized letters of procedures that was done including personal information. Per the HIPAA XXXX XXXX XXXX should not have sent me itemized statement with my Medical procedures. As a third party debt collector, XXXX XXXX XXXX XXXX should not have access to my personal medical records.This is a violation of HIPAA. I did not authorize any medical professional to disclose my Medical records with any third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my report for XXXX, XXXX, 2019 XXXX, XXXX, 2019 and XXXX, XXXX, 2019, as well as XXXX, XXXX, 2019 that I didn't not Authorize. Also, conns is continuing to report to my repot from XXXX, 2019 and I no longer have the merchandise it was returned to the store. I've sent emails and phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I needed a credit report for when I changed apartments. I use TransUnion for this, but I only needed a single credit report. 

Three years later, after reviewing my latest credit card statement, I find out I have been charged {$19.00} a month since XX/XX/2017. I do not remember agreeing to pay for monthly reports, and there is no way I willingly and knowlingly signed up for this service. Plus, I have found many other complaints online about these predatory business practices, and that TransUnion was fined recently for such practices : The recommendations I found were to report directly to CFPB. 

The reason I have not been as diligent about checking my financing is that I started an intense XXXX XXXX XXXX around the same time. I am extremely busy and have limited capacity. Even more so, I cant afford these unwanted charges for an unwanted service. 

I have logged into my account and can not figure out how to terminate this service. I want it to stop immediately.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I had a hard inquiry made fraudulently on my credit file. I was a victim of Identity theft & would like the hard inquiry removed from my credit report. The company is XXXX Ive called on multiple occasions about this inquiry and it is still not removed from my credit file.
Product: Checking or savings account

Bank of America charged me {$60.00} in savings account fees for a year XXXX {$5.00} per month XXXX from XXXX XXXX to XXXX XXXX which brought my balance of {$100.00} to {$40.00} in the account. I have had this savings account with Bank of America for over 10 years XXXX since XXXX ) and have never been charged a fee ... they suddenly started charging this fees. 

I do not use this account and do not pay much attention to this account so I missed checking the statements. When i was recently reviewing my account I found this and called the bank on XXXX XXXX XXXX asking why they have started charging this fees in last year ... when this was not the case for the last decade. 

Their explanation was that there was some waiver on my account ( which I was not even aware of ) ... and it had fallen off in XXXX XXXX and they could not do much about the fees..and only returned {$10.00} as a courtesy. They even said I should be happy i was not charged the fees before XXXX XXXX. 

I think in this situation there was no transparency from the bank ... in terms of why there was waiver before XXXX XXXX ... XXXX they can not even explain that.. ) and why that fell off ... 

I honestly think there has to be some communication when there is a change in the fee structure to the account..and that did not happen.
Product: Vehicle loan or lease

They took the money out my back account and it was XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never dealt with these creditors in the past. I don't know who they are nor did business with these companies.. I contacted to address the issue but all they sent is a paper trail showing the accounts and that it has been verified. Insufficient information. I requested Method of Verification - evidence such as name, address and telephone number  they contacted from the original creditor but they failed. That tells me that this is some kind of computer generated verification an XXXX   Please get rid of the accounts as soon as possible .. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My identity was stolen and there were three credit cards on my credit report. Experian removed 2 of them but the XXXX XXXXXXXX account XXXX XXXX {$3500.00} XXXX... was not removed. This account was opened when I was only XXXX XXXX XXXX, and I just turned XXXX and this account has been opened ( but it is now closed but still showing as late on my credit ) I have disputed this and they removed all accounts but this one saying XXXX XXXXXXXX provided info showing the account was mine, but it is not because it was opened when I was a XXXX I want this account removed and I have provided them all my identity showing I am a XXXX  and even my identity theft report.
Product: Credit card

I am a military member who is mandated to use the CitiBank Government Travel Card GTC. I received a tasking to XXXX from XXXX XXXX to XXXX XXXX, with XXXX trips from XXXX to XXXX XXXX. 

Being on a XXXX, it is common practice to be placed on a " XXXX '' ( see attached policy letter ) for the GTC so that the servicemember can focus on accomplishing the mission and not about billing issues. Additionally, it is a mechanism by which the government was able to provide some relief to the cardholder to provide them adequate time to perform a XXXX mission and address billing discrepancies. Between the several vouchers I filed after the TDY trips, and between payments being applied and transactions posting, I had made what I thought was a payment for the entire balance, which would have brought my account to {$0.00}. 

Unfortunately that had n't been the case. I believe my being in XXXX, in one way or another, affected my ability to receive any notification that my account was past due. No emails were received, no mail was sent to my home address, and no phone calls were ever made to either me or my unit. It was not until late XXXX that I called CitiBank in order to ensure I was authorized charges in a foreign currency so that I could purchase my airfare to my home airport. Lo and behold my card was cancelled, I was assessed XXXX {$29.00} late fees ( in XXXX, XXXX, and XXXX ). Additionally I was informed I was also assessed a {$80.00} " salary offset fee '' in order to have the original balance ( around {$150.00} ) and the assessed fees ( {$160.00} ), bringing the total to approximately {$170.00} ... or about 210 % of the original balance. 

I had contacted CitiBank to advise them of the situation. I informed them that I was XXXX and that I had never been notified, nor had my military chain of command been notified ( a mandatory procedure that either was n't done or was done incorrectly ) about a balance being due, the balance becoming delinquent, and subsequently the card being cancelled. Had I knew there was a balance I would have immediately paid it. Additionally, I advised them I should have been on mission critical status as to suspend payments/delinquency for much of my XXXX and had I been placed on that status I would not have been delinquent. 

CitiBank was unwilling to work with me to correct the issue. I feel they took advantage of a servicemember and did not make a good faith attempt to resolve the breakdown in communication. The GTC program, in my opinion, puts an undue burden of accounting on the servicemember when he or she should really be focused on accomplishing the mission.
Product: Mortgage

XX/XX/XXXX Bank of America paid my property taxes on my behalf and created an escrow account without my knowledge to repay. I also paid my property taxes. My county treasurer and I discovered the mistake. My county treasurer refunded their amount and in XXXX of XXXX I paid Bank of America the other refund for the fall taxes they also paid without my knowledge. The escrow account is receiving all of my monthly mortgage payments and my actual mortgage amount is standing still. Bank of America is also charging me late fees and interest for every month that goes by. In the meantime, it was also discovered that Bank of America has paid property taxes on a parcel that was sold by me XX/XX/XXXX. I do not and am not responsible for that transaction. I have communicated via telephone numerous times with Bank of America about their errors but have not gotten closure.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX, XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the XXXX Edition of the Privacy Act published by the U.S. Department of Justice. 
LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : CONSUMER PORTFOLIO SVC XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX AND XXXX  XXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. 

Thank you for your full consideration in this matter. 


Sincerely, XXXX XXXX
Product: Debt collection

Waiting on XXXX to go through and husband is on XXXX leave which was explained to them. I do make at least a {$50.00} payment when I can. They call about 4 times a day on my cell phone and 4 times a day on my house phone alternating them house phone then promptly after my cell maybe wait an hour or two and do it all over again.
Product: Debt collection

During the coronavirus pandemic I was told by XXXX acct XXXX that my account would be protected through the pandemic due to my loss of job related to coronavirus pandemic ... I was reported late to EXPERIAN XX/XX/2020 ... I was told my account was protected from getting late marks due to the circumstances of my job because of the pandemic.. I am requesting the late payment XXXX be EARSED ...
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquiries on my credit report generated by Transunion. Particularly, there are XXXX inquiries on my report that I DO NOT recognize nor did I provide authority to be made ( See attached copy of credit report ). To be clear, the inquires are as follows : XXXX XXXX XXXX  XXXX, inquiry made on XX/XX/2020 ; XXXX  XXXX XXXX XXXX, inquiry made on XX/XX/2020. 

I have no business or open accounts with XXXX XXXX XXXX XXXX. I do however have an active credit card with XXXX  XXXX, but NOT AN AUTO LOAN. Nevertheless on those specified dates, I did not have any interaction with either XXXX XXXX XXXX XXXX or XXXX  XXXX XXXX  XXXX. When I called XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX, they said because they do not have any accounts with them, they could not have possible issued any inquiries for me or on my behalf ; not to mention, they said they DO NOT have a record of making any inquiries. 

By way of certified mail, on XX/XX/2020, I wrote Transunion and disputed the foregoing inquiries. ( See attached copy of dispute letter with proof of service ) Having NOT received any notice or response from them regarding the inquiries, on or about XX/XX/2020, to no avail. To date, I have yet to receive any written correspondence from them regarding these disputed inquiries.
Product: Checking or savings account

I went to deposit funds into an ATM. The ATM did not process the deposit or return the funds. Only told me to contact the FI. I immediately went into the branch to be told how do we know you put money in there. Needless to say. She said she had to dispute it. And I would have my funds that day. I did not. ( This was on a Friday ) Monday, I contacted the branch again to be told they are working on it and theyd balance the machine regardless and Id have my money that day. I did not. I contacted the branch and she states she needed to balance the machine and Id have it that day. I didnt trust that, so I also contacted customer service who said that the right dispute wasnt filed. Theyd have to do it again. Now its Wednesday. I have no money. Past due bills. An overdrawn account and no way to buy food. And no resolution. This is purely unacceptable. I am missing over XXXX dollars. Its not a lot to some, but to me its survival.
Product: Debt collection

The debt that was owned by LVNV Funding was sold to XXXX XXXX and the collection that LVNV used to own still appears in my credit reports.
Product: Credit card or prepaid card

Zero Liability Protection on card.fraud was reported immediately and also spoke to Chase after calling the phone number on the back of my credit card in the morning and stating that my card had been stolen out of my possession and there were fraudulent charges. I also have the documentation showing that I made this call and that they sent me a new replacement card I should not be paying for this fraudulent charge chase says they can not find the phone call I showed on my phone records and I even have an email from them showing it. Why are they still trying to make me responsible for this? They cant make up the rules as they go! 
This Is Not A Duplicate.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the unlawful reporting and handling of my accounts by the following creditors : XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, and XXXX XXXX XXXX account # XXXX. I believe their actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX Sections XXXX and XXXX ( XXXX ). Under XXXX XXXX. XXXX Section XXXX, creditors are required to provide accurate and complete information to consumer reporting agencies ( CRAs ) such as XXXX, XXXX, and TransUnion. However, the aforementioned creditors have failed to accurately report my account information, leading to discrepancies and inaccuracies on my credit report. Furthermore, under XXXX XXXX. XXXX Section XXXX ( XXXX ), consumers have the right to dispute any inaccurate information on their credit reports. Despite my repeated attempts to dispute the inaccuracies associated with the accounts mentioned above, the creditors have neglected to conduct a reasonable investigation into the disputed information and have failed to correct the errors. As a result of the creditors ' negligent reporting practices and failure to address my disputes, my creditworthiness has been unfairly impacted. These inaccuracies have hindered my ability to obtain credit on favorable terms, secure housing, and pursue other financial opportunities. I respectfully request that the CFPB investigate this matter thoroughly and take appropriate action against the creditors for their violations of the FCRA. Additionally, I urge the CFPB to ensure that the inaccurate information on my credit report is promptly corrected to reflect the true and accurate state of my financial history. Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts have violated my rights ; XXXX XXXX Account ending XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX Account ending XXXX, has violated my rights. 

XXXX Account ending XXXX, has violated my rights. 

XXXX XXXX Account ending XXXX, has violated my rights. 

XXXX XXXX XXXX account ending XXXX, has violated my rights XXXX XXXX XXXX Account ending XXXX, has violated my rights. 

XXXX XXXX XXXX Shows no account number, has violated my rights. 

XXXX XXXX XXXX XXXX no account number, has violated my rights. 

XXXX XXXX XXXX Account ending XXXX, Has violated my rights. 

XXXX account ending XXXX, Has violated my rights. 

XXXX XXXX Account number XXXX, has violated my rights. 

XXXX XXXX XXXX account number XXXX, has violated my rights. 

XXXX XXXX Account number XXXX, has violated my rights. 

These companies have violated the following code sections 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX the XXXX XXXX didn't allow me to link with PNC bank. Please consider allowing a policy to link the app with a bank. 
Thanks
Product: Debt collection

Hi IC SYSTEMS COLLECTION ; ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ; THIS IS NOT MINE, NO KNOWLEDGE, AND FRAUDULENT ACCOUNT. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX Here is another account that I cant seem to get any answers from. I have been calling and sending them letters along with all there bureaus to solve this problem but no one is helping me. This account is being re-aged the date last payment has three different dates which one am I supposed to try to figure out where to start? Two different date of last payment which was in XXXX but somehow I am paying as agreed in XXXX and in XXXX? This is so wrong but I can get any answers.