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

According to the Fair credit reporting Act, I have the right to a completely accurate report, and the bureaus are required to remove any information that is not true, verifiable and inaccurate. My letters were sent XXXX days ago and to date they have not deleted the unverifiable information. 

Rule 12 ( b ) ( 6 ) permitting a motion to dismiss for failure of the complaint to state a claim on which relief can be granted. 

XXXX XXXX XXXX ACCOUNT NUMBER : XXXX failed to provide a debt validation letter. Therefore, I have no knowledge of this debt or have any relationship with this business. Per FCRA 605B, it is illegal to report information on my credit report without my permission. Further, this account is reporting this collection with an " open '' status. This is inaccurate and therefore this must be removed from my report immediately. 

I demand this account be deleted for inaccurate reporting in accordance with the Consumer Financial Protection Act ( CFPA ), Fair Debt Collection Practices Act ( FDCPA ), and Fair Credit Reporting Act
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/202 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX presented me with an offer that if I reinstated my membership, any balance owed would be removed from my credit report. I have had a current membership with them and this has still not been removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to having Navy federal account reopen or active I am still having the same problem of taking money in and out of my account telling me they put back in my account that never shows up .for instance just rented 2 rental cars from XXXX XXXX XXXX company I recieved a deposit back from XXXX XXXX VA and the other from XXXX XXXX XXXX neve recieved funds as they were releaseon XX/XX/XXXX XXXX XX/XX/XXXX and for XXXX of XXXX XXXX I had recieved on XXXX XXXX for XXXX XXXX for second rental in my a t XXXX need to put back my deposit in my account that not charge Navy federal how can they say that XXXX was charged by XXXX when they was supposed to put my refund back in my Navy federal I paid for rental out of pocket This promblem has being going on since XX/XX/XXXX I need resolution with Navy Federal action in and out of my accounts Navy federal statement XX/XX/XXXX we need to find out where the money went Never put in my account of this day
Product: Credit card

I signed up for a credit card with Citi. The card has an annual fee. 

The bank never sent my credit card. But the annual fee was still charged and a late fee assessed. 

Because I never received the card, I assumed the account was never opened. 

I've contacted Citi and have spent 90 minutes in customer support XXXX. I'm trying to close my account. The agent refuses to let me close the account. They continually try to upsell me.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I was not advised this debt was in collections. No one called me and I did not receive anything in the mail. I do not feel I owe this to the provider.
Product: Debt collection

I do not owe this debt due to I do not have a binding contract with this company bearing my signature
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I mailed in my Federal Trade Commission Report & a dispute letter with those specific items listed as well to Transunion in regards to fraudulent activity that took place with the use of my SSN to open accounts in my name and on XX/XX/2020 I called the customer service number of Transunion to check the status of my dispute and the agents ' supervisor advised me that they had not received any FTC document or any dispute letter ( s ) regarding my account and I do not understand how that could have been when they were delivered 5 business days later per USPS. I would like to get this resolved as soon as possible as this is an urgent matter!
Product: Credit card or prepaid card

Citi Bank has allowed me to go way over my credit limit (twice) and they expect me to make that monthly payment and include the total amount they let me go over!  This wasn't just one purchase, this was several.I feel that unless they text/call you or you contact them ahead of time, they should not allow their system to let you exceed that limit.I don't feel that this is fair practice!!  Sure it's nice if it's something you absolutely have to have, but contact the consumer first!I am livid over this!! I actually work for a major credit card company and we would never allow someone to go over their limit unless the customer contacts us first.  That limit is there for a reason.
Product: Credit card or prepaid card

my Kohls payment was due of XX/XX/XXXX. which i always pay on the beginning of the month before due. im on social security and get paid once a month. i apparenty forgot to pay last month. they called me two days after due. i said i was a customer and paid on time for 10 years. they said they would waive the fee. well on the XX/XX/XXXX i paid my bill plus the amt. they had agreed to take out on the XX/XX/XXXXXXXX i called three times to make sure iwas up to date and they assured me everything was ok. i said on my online statement it say i owe XXXX on XX/XX/XXXX and they said i have to wait till the next billing cycle to have that corrected. Well i checked my online account. and apparently i am at the same place as i was last month. now they tell me i am in collections and owe XXXX which is not accururate. i talked to three agents on the phone and got the most stupid explanations. im not paying them anymore than i owe them. i asked to talk to a supervisor.. but i think they just passed the phone to one of their friends. my daughter works in customer service and says they do that frequently. well im disgusted it may not seem like a lot of money to some but to seniors on a budget it is huge. i discontinued my account. and told them i would go to the XXXX. im not sure where to take this. but they cant get away with this. please advise me to my next step.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX partial account number ****XXXX. ( Please see pages 6 and 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This account has also been closed. When we closed on our home, XXXX XXXX was transferred to XXXX. These lates that are being reported are in error. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to have my name removed from or OPT-OUT of all promotional ads for credit cards and insurance ads. My name is XXXX XXXX XXXX please remove any other variations. My only address is XXXX XXXX XXXX, XXXX, OH XXXX please delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2009 XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I am self employed : XXXX XXXX XXXX XXXX  XXXX XXXX My information has been compromised I and the is a report on file with the XXXX Police Dept.
Product: Checking or savings account

My checking account is charged by Citibank frequently for the last two years with no reason given in writing. I have been told verbally they are returned checks but Citi has not provided copies of the returned checks or been able to identify the payer forcing us to accept their word, which is not good enough. As it currently appears we are simply debited funds for no reason whatsoever with no explanation. I believe these fees are illegal and that Citibank is also violating it's own legal and contractual terms with me as the account holder by not providing written proof and explanations of these debits, specifically copies of the supposed returned checks with the date of deposit and return reason. I believe that is my legal right. 

I have attached one of many letters I have received that my account is being debited, but it does not explain the reason. I have called the 800 number given on the document over 10 times without an explanation ever having been given.
Product: Bank account or service

I opened a Citigold Checking account with promotional code XXXX, which awarded XXXX XXXX XXXX miles for making XXXX bill payments in consecutive months and making {$1000.00} in purchases using the corresponding debit card ( XXXX within 60 days of account opening ). After completing the requirements, I confirmed with Citi Online Chat Representative " XXXX '' on XXXX/XXXX/2016, who informed me that I had met the requirements on my account. XXXX stated that the miles would post within 90 days from the end of the statement period in which the requirements were completed. These were completed in XXXX, meaning the miles should have posted by XXXX/XXXX/2016. After not receiving the miles as of XXXX/XXXX/2016, I inquired of the status via another Online Chat. Citi Representative " XXXX '' said they would launch an internal research investigation. This investigation took an absurd 24 days to complete ( on XXXX/XXXX/2016 ). The results of their research claimed that I did not make the required debit card purchases within the necessary timeframe. Not only is this incorrect ( I re-reviewed my account activity and confirmed that I made over {$1000.00} in debit card purchases well within 60 days of account opening ), but this is also contradictory to what the Citi Representative said to me on XXXX/XXXX/2016 when they confirmed I completed all eligibility requirements. Furthermore, when I gave them XXXX last chance to make good on this promotion by responding and confirming on XXXX/XXXX/2016 that I made the required debit card purchases, rather than awarding me the miles, they said they would open another investigation ... which will likely take another ridiculous amount of time. Citi is either lying and/or hoping I do n't have the records to prove I completed these eligibility requirements and am entitled this bonus. I completed all terms of the promotion and they confirmed this to me, yet they delay and delay and delay. I can only think that they hope I simply forget about this and let it go, but these practices are dishonest and extremely disappointing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX the company did a hard inquiry without my approval. I contacted them and they stated that they would remove it though have not.
Product: Credit reporting or other personal consumer reports

I checked my credit report and I am still seeing some discrepancies. There are still some unauthorized inquiries reporting.
Product: Student loan

I received a private loan through Navient. I have paid every month without fail up until I had XXXX extreme changes in my life.!. I went back to school to better my life. 
2. My husband a military vet. passed away while under the care of the Va hospital. I have maintained constant contact with them. I have provided them with the proper documents stating I was a XXXX XXXX XXXX and was unable to make payments. However, when I came to visit my mom in Maine she brought to my attention threatening letters from navient saying that if she did not call pay them she would be " ruined '' financially. I then called and was transfer between XXXX people. One said I had no record of an account with Navient, One said I was 90 days past due and one of the final woman named XXXX found all the paperwork I had sent it was mysteriously disconnected at the moment she noticed. When I returned the call she was " gone '' for the day. ( all of this is recorded on my phone ). I have been lied too and made to think I was receiving a deferment while in school then slapped with 8 months of interest. Totaling XXXX. On the occasions I spoke with them four and two months ago, there was no mention of this. When I asked I was told they were not required to tell me by law it is a courtesy to make someone aware of their current standing with them. Again all recorded, If there is anyone who can help me please contact me as I am at my wits end.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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 have violated my rights. 

15 U.S.C 1681 section 602 A. states I have a 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: Money transfer, virtual currency, or money service

on XX/XX/23 myr omputer was hacked and I.D was compromised. I had my bank do a wire transfer for me to a XXXX XXXX XXXX just to find out a few days later the acct. was fraudulant and my bank, key bank told me they were unable to retrieve my funds.
Product: Mortgage

I applied for a mortgage loan through Bank of America for the purchase of a home. I was approved and the rate was locked. In order to close the escrow, I had to liquidate large amount of investment in a brokerage account. One day before the settlement date, I was instructed to wire the funds to the escrow company and the arrangement was being made to proceed. Then the bank informed me that the loan is not being approved because they determined that I had a second home and I would have to pay a higher rate. I had a second home but it was going to be converted into an investment property and the newly purchased home would become a second home. However, this was all known by the bank from the beginning of the process as everything was disclosed on the application. As a result, I could n't proceed with the purchase and suffered a significant damage.
Product: Credit card or prepaid card

USAA 's credit card department made an illegal withdrawal from my USAA checking account. This withdrawal overdrew my checking account, leading to an increase to the interest rate on my USAA credit card account balance. 

In XXXX of XXXX, USAAs credit card department notified me of an offer of 0 % APR until XX/XX/XXXX for transactions completed using its promotional checks, and each transaction using a promotional check incurred a {$75.00} fee. On XX/XX/XXXX, I had a XXXX dollar balance on my USAA credit card account, and I subsequently cashed a USAA credit card promotional check for {$17000.00}. After this check settled, my credit card balanced increased from XXXX dollars to {$17000.00}, which includes both the deposit amount and {$75.00} fee. This {$17000.00} balance had a 0 % APR until XX/XX/XXXX. Since that time, I stopped using my USAA card for any purchases or payments. 

On XX/XX/XXXX, I contacted USAAs credit card department to change my auto bill pay function to the minimum balance due, and the customer service agent informed me the change took effect immediately. On XX/XX/XXXX, USAAs credit card department made an unauthorized withdrawal from my checking account for {$17000.00} claiming a glitch in its auto pay system, and this withdrawal overdrew my checking account. The overdraw triggered a cash advance from my USAA credit card, and this cash advance from my credit card was at 10 % APR.

After many phone calls to USAA and approximately 8 hours + of exchange, both USAAs credit card department and checking department recognized the mistake and reversed the charges, restoring my credit card balance to {$15000.00}. However, USAAs credit card department has failed to correctly restore the 0 % promotional APR to my account, and it is still billing me for cash advance interest charges. I have spoken to its customer service repeatedly, and I have not been given a clear answer if and when this problem will be fixed. 

I have concerns that this may be systemic fraudulent activity by USAAs credit card department. I have professional experience as an auditor, and Im currently working on my CPA. I believe my background and experience have allowed me to recognize USAA 's bad behavior. However, Im concerned USAA may be cheating those inexperienced with finance by wrongfully increasing APRs on credit card accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report IR MTGCRDT - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX  - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis will not send me a credit report. XXXX I sent a letter requesting, then sent a letter back requesting more information on who I am. I sent them driver 's license, copy of insurance, and IRS tax for XXXX. XX/XX/XXXX i got a letter case number XXXX ( XXXX ) stating Reinvestigations. Reason for contact- Dispute... Results on three disputes : that data being reported inaccurate???? 
So I never disputed anything. 
I've disputed with XXXX, XXXX, and XXXX asking them to verify creditors ' information from the leader. I asked these three companies for I understood they are pulling data from Lexis Nexis who won't send me my credit report. Can you help me with this circle Im stuck in?
Product: Mortgage

This is my 2nd request to get Mr  XXXX to honor what they said i could do post covd19 forbearance which was to extend my past due payments to the end of my loan. I have been in forbearance since XXXX and still waiting on Mr.CoopXXXX and VA to assist. If I have to get an attorney to get the assistance that I need I will. I was current on my mortgage before entering into covd19 payments protection plan. I'm a veteran of the XXXX XXXX XXXX and need for Mr.Cooper to honor what they said I could do post covd19. Mr XXXX lied to me stating VA does not offer that program any more which was not true because I contacted VA myself and they informed me that Mr.Cooper refused to participate in this program.
Product: Credit reporting or other personal consumer reports

Re : Delinquency Notice / Civil Action Notice USPS TRACKING # XXXX XXXX XXXX XXXX XXXX XXXX ( FACTS ) This notice is to inform you that you are well over 90 to 120 days late on this outstanding balance that you know you owe the consumer in the amount of such credit that should have been released on this account as well as the attached completed record officially signed off on by the Department of Veterans Affairs as well as your banking or financial policies in requesting any consumer to complete such Form 4506-C and VA Form NOV 219 26-8937. 

Policies and procedures and applicable laws, regulations, and statutes are critical, we have asked for your legal counsel of record direct contact information as it is required before addressing this in a court of law. 

We have been overly patient with you and to this date, you have not returned any outstanding debt that you owe and should be in your files or system. 

At this point, we have exhausted all our administrative responsibilities and remedies, and all Consumer Financial Protection Bureau notes and records will be used. 

You have shown unprofessional service and conduct by doing what you have done here which has triggered others to fall suit without your supportive records. 

Now turn over your legal counsel of record, name, address, and phone number through the Consumer Financial Protection Bureaus Portal so that I can have it with all your responses on this site. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

From XX/XX/2014 through and including XX/XX/2014 all charges made on my Southwest Credit Card issued by Chase Bank were fraudulent and made by another person. 
These charges are on Southwest credit card numbers : XXXX as well as XXXX. 

Chase Bank did not fully check to make sure these newly issued credit cards were being used by me. They disregarded all indications that there were fraudulent multiple transactions with the same amounts and large daily amounts. They willfully and wantonly disregarded for their own benefit turned a " blind eye '' to these fraudulent transactions. 

The XXXX XXXX New Jersey Police Department has issued a police report signed by Officer XXXX XXXX XXXX and reviewed by Detective XXXX XXXX XXXX. 

A copy of the police report is attached