23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already informed TransUnion over two separate phone calls this account is fraud and was removed in 2017 after being identified as a fraud with their company and a police report. TransUnion has refused to have the account removed without a dispute process although it has already been identified as fraud and therefore it is negatively affecting my credit until it is removed. This is unethical, immoral and illegal activity. The account must be removed as soon as possible account : XXXX ( XXXX XXXX XXXX XXXX ) amount : ( closed ) {$14000.00}
Product: Credit card

This is the letter I sent to Costco : I am a happy, loyal Costco member. At least I have been until now. I have always had my credit card set up to pay my balance automatically in full each month. With the transition to Citi, I got my first bill and I was charged {$36.00} in interest. When I called they explained that the balance " did n't transfer properly. '' They agreed to credit my account for the {$36.00}, but advised me to pay it since the credit would n't appear until my next statement. Except for the waste of my time, that 's all fine. 

But I do n't believe the explanation. Many smart people worked on that transition for a long time. If your members were charged interest they did n't owe, I suspect it is because Citi saw the transition as a way to steal a lot of money. Many customers will notice the improper charge and complain, and Citi will give them a credit. But many customers will not notice or will not follow up, and Citi will charge them the interest, and interest on the interest. This is the way Citi does business. It is not at all surprising. Someone probably got a big bonus for thinking of it. 

What is surprising, at least in my experience, is that this is not the way Costco does business. So my question is : What are you going to do about it? 
This is their response : We apologize for any frustration this may have caused. We thank you for sharing your comments and concerns with us regarding our transition to XXXX. Please be assured that our transition to XXXX is part of our continuing commitment to provide our members with the best value possible. 

Your feedback is important to us. We will forward your concerns to the appropriate department for review.
Product: Credit reporting or other personal consumer reports

This claim is made to dispute the reporting of late payments on my credit card account number XXXX with Navy Federal Credit Union. I have not received any billing statements or notifications of late payments from Navy Federal Credit Union 1a ). This violates 15 U.S.C. 1666c ( a ), which requires creditors to send periodic statements at least 21 days before the payment due date. There has been no communication informing me of the billing cycles or due dates for my payments during the specified periods. This is contrary to the requirements of 15 U.S.C. 1637 ( b ). I have made several attempts to resolve this issue, including contacting Navy Federal Credit Union and the credit bureaus to inquire about the missing billing statements and the erroneously reported items on my credit report. 

I formally request that Navy Federal Credit Union correct the inaccuracies in my credit report by removing all reported late payments that do not comply with statutory requirements, as outlined in 15 U.S.C. 1681s-2 and UCC 9-210 . Specifically, UCC 9-210 grants me the right to request an accounting or a list of collateral and imposes a duty on the secured party to provide such information within 14 days of the request. 

Specific Incidents Non-Receipt of Bill Documents : I have not received any billing statements or notifications of late payments related to my account. This failure to provide the necessary documents means I was not made aware of any impending payment due dates or late payment statuses.

2. Lack of Notification : There has been no communication, whether by mail or electronic means, informing me of the billing cycles or the due dates for my payments 21 days before it was due. This lack of notification directly contravenes the statutory requirement to ensure that periodic statements are delivered no later than 21 days before the payment due date. 
XXXX. Reporting Errors : The high credit reported by XXXX as {$0.00} is inconsistent with XXXX and XXXX, suggesting a reporting error. This inconsistency violates 15 U.S.C. 1681s-2 ( a ), which mandates that furnishers of information must provide accurate information to consumer reporting agencies. 
XXXX. Payment History : XXXX and XXXX show 30-day late payments for XXXX, XXXX, and XX/XX/2024, while XXXX reports these months as " OK ''. If these late payments are incorrect, this inconsistency could violate 15 U.S.C. 1681s-2 ( b ), which requires an investigation and correction of any inaccuracies when disputed by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ I submitted letters to the credit reporting agencies to initiate an investigation into items that are being reported on my credit report that are inaccurate. I either received no acknowledgement of my documentation or received an email that stating " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. '' This message, and the lack thereof, indicate that these credit reporting agencies received my investigation documentation, yet willfully neglected FCRA Section 611 ( 15 U.S. Code 5 1681i ) titled Procedure In Case Of Disputed Accuracy which states, " In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the ( 30 ) day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' These agencies have also been notified of this neglect which I will be providing documentation for.
Product: Vehicle loan or lease

I took a car loan from Santander Bank USA since XX/XX/2016, and I have paid doubles of payment to Santander Bank USA. Santander bank with XXXX. I was informed by Santander bank XXXX that my matured date has been completed but I am confuse with the fact Santander bank is asking me to pay additional & XXXX with interest rate at XXXX % that is why I am seeking the guidance from Consumer financial Protection Bureau. Santander bank USA also denied me the class action settlement stated that I am ineligible due to missing payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report UPGRADE INC has violated my rights In accordance with the fair credit report 15 U.S.C1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

On XXXX XXXX, XXXX I noticed a withdrawal of {$9900.00} dated XXXX XXXX, XXXX on my XXXX XXXX bank statement that I received via email on XXXX XXXX, XXXX. The description for the withdrawal read XXXX XXXX. There was also a withdrawal of {$75.00} on the same date with a description of LITIGATION FEE. I was not aware of the withdrawals, so I contacted the bank at XXXX. They recommended that I contact the phone number listed in the description. This was a direct number to XXXX XXXX XXXX of the XXXX XXXX XXXX XXXX Per discussion with XXXX XXXX, someone filed a California tax return in my name using my social security number with taxes due of {$9900.00}. Per XXXX XXXX, Key Bank was issued an Order to Withhold Personal Income Tax with instructions to contact me and wait 10 business days to withhold any funds from my account. XXXX XXXX contacted the bank on XXXX XXXX, XXXX to release the order as it was determined that someone had try to use my identity. Per XXXX XXXX, Keybank legal department told her that that had never contacted me and that they had already sent the money 2 days after receiving the order. Per my relationship manager at Key Bank XXXX XXXX on XXXX XXXX, XXXX the legal department was contacted by XXXX XXXX on XXXX XXXX and XXXX XXXX, who instructed to release the order and stop payment on the check sent to the XXXX XXXX XXXX XXXX. Per XXXX XXXX, KeyBank has refused to stop payment and will not reverse the {$75.00} Litigation Fee that they charged their customer, even though they did not follow the directions of the order to contact me and wait to send funds. On XXXX XXXX, XXXX, I received a letter from Key Bank regarding the withdraw dated XXXX XXXX, XXXX post marked XXXX XXXX, XXXX with a copy of the third page of the Order.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXXXXXX XXXX  15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Credit card or prepaid card

I had a special order from Home Depot in XX/XX/XXXX, which was charged on my Home Depot Citibank card. This order was to be delivered in XXXX of XXXX. It was never delivered. In XX/XX/XXXX I raised a Dispute with Citibank which they closed with no explanation and pointed me back to Home Depot. Inspire of my various attempts to reach Home Depot I did not get any response from Home Depot for over 6 months. Yet I had been paying my credit card minimum balance due each month thru XX/XX/XXXX. In XXXX I again filed a dispute with Citibank that the services have still not been delivered by Home Depot. At that point I had to stop making payments as I had no product for which Iw as paying for over one year already. Citibank started harassing me with collections calls multiple times a day, in the mid night and so on. Citibank also reported this to Credit Reporting agencies XXXX, XXXX and XXXX. Even though there is an active dispute with Citibank. The services from Home Depot against this transaction have still Not been delivered its end of XX/XX/XXXX. The amount is {$35000.00} approx. I m not getting any response from Home Depot still and Citibank is harassing me for the balance for a transaction which was never fulfilled or delivered. 
Kindly help me with this issue, Really appreciate your help Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my report on Equifax I noticed that there were XXXX delinquent medical bills that were bought by a debt collection agency. I immediately disputed all XXXX of them pointing out the fact that it clearly says that the original owner of this debt was XXXX which stands for XXXX XXXXXXXX University XXXX XXXX proving that these XXXX delinquencies are actually medical bills and that under the consumer protection act, they can not be reported on my credit report negatively impacting my credit score. Equifax investigated it and said that they found that the company reported the delinquencies correctly and there will be no changes made to my report. Unless the law has changed, then they are completely in the wrong here and should immediately remove all XXXX medical bills from my credit file!!
Product: Credit reporting or other personal consumer reports

On my XXXX, XXXX, and Experian Credit score does not goes up, when new accounts added to credit report. Also, XXXX XXXX  account was removed from my XXXX and XXXX credit report without my knowledge. I'm requesting for thee XXXX to be added back to my XXXX, and XXXX credit report.
Product: Money transfer, virtual currency, or money service

I had some winning from XXXX XXXXXX/XX/XXXXbut they only Pay in Bitcoin.I received the Bitcoin.as I am new to this and know nothing about it I tried to sell my Bitcoin.I tried to transfer it from Bitcoin wallet to Bitcoin cash as this seemed the obvious thing to do being a cash XXXX address populated which I entered then it said it sent.it didnt hit my Cash wallet.after speaking to Bitcoin in much detail they say there is nothing they can do! Surely if the address populated and it went somewhere but they dont know where then its sat somewhere! This was over XXXX dollars just vanished and cant be traced or given back?!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX SUBJECT : REQUEST FOR PERMANENT OPT-OUT AND BLOCKING OF PERSONAL INFORMATION BY XXXX AND CORELOGIC To Whom It May Concern, I am writing to file a formal complaint against XXXX XXXX XXXX and CORELOGIC, INC., requesting that these companies take immediate action to permanently opt me out of their credit reporting systems and block my information from being sold or shared. 

SPECIFIC REQUESTS : 1. PERMANENT OPT-OUT : I request to be permanently opted out of XXXX and CORELOGICs databases, ensuring that no personal or credit-related information about me is shared with third parties under any circumstances.

2. BLOCK MY INFORMATION : I demand that both companies block my information entirely and ensure that no reports or data concerning me are provided to any creditors, lenders, or other entities without my express consent.

3. PROVIDE A PIN : Please provide me with a Personal Identification Number ( PIN ) that would allow me to unblock my information in the future, should I choose to do so.

4. CEASE SELLING MY DATA : I demand that XXXX and CORELOGIC immediately cease selling or otherwise distributing my credit report or personal information to any parties. 

BACKGROUND : As a consumer, I have the right to control how my personal and credit information is used and shared. Under federal laws, including the Fair Credit Reporting Act ( FCRA ), I am entitled to opt out of credit reporting systems and protect my information from unauthorized access or distribution. 

XXXX  and CORELOGICs practices of compiling and selling consumer data without proper consent are concerning, and I am requesting the CFPBs intervention to ensure these entities comply with federal regulations and my specific requests. 

RESOLUTION SOUGHT : I am asking the CFPB to : 1. Investigate XXXX  and CORELOGICs handling of my personal information. 
2. Ensure both companies honor my request to permanently opt out of their databases.

3. Require them to issue a PIN for future access, should I choose to unblock my information.

4. Confirm in writing that my personal information has been blocked and that no further data sharing will occur. 

This matter is of significant importance to me, and I trust the CFPB will take the necessary steps to protect my rights as a consumer. Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX XXXX XXXX H XXXX, NY XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Please remove this charge off inquire off of my credit report. I did not authorize these creditors to run my credit.
Product: Checking or savings account

On XX/XX/XXXX they stolen {$360.00} XXXX and XXXX missing from my checking account always something on Wednesday XXXX of XXXX I call PNC customer service to dispute two transactions which is {$2.00} and {$23.00} without my knowledge they canceled my debit I went yo XXXX to purchase my groceries I can pay for it I call again about my debit canceled the agent take it personal right now I'm tired dealing with the PNC Bank I addressing that concern tothe FDIC for compensation as a victime Enough it's enough. Sincerely. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been on the phone all day with these crooked people from XXXX. I have been explaining to them that I have been affected by the data breaches and I need to have the information removed immediately. They tell me that all they can do is file a dispute, then tell me the account numbers are missing from my FTC report. There is no law stating that there has to be a account number on the FTC report. I request a supervisor and the representatives will hang up on me or hold the call and stop talking. I have had this experience with Employee XXXX and XXXX. It is sad that i have to request their employee number just to reference them after the call ends because they will not get a supervisor. I talked to XXXX supervisors today and I have been on at least XXXX calls XXXX XXXX XXXX XXXX XXXX XXXX
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 XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX 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.
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. 
XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX. Account number : XXXX XXXX XXXX XXXX Account number : XXXX has violated my rights. 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.
Product: Credit reporting or other personal consumer reports

has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXXXXXX XXXX XXXX XXXXXXXX, OR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) Balance : {$310.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$540.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

At the time of the identity DEF gain access I believe all my personal information including my Social Security number was used to open up accounts without my permission and my authorization I hope by submitting this report it would help put a stop to this issue from Ever occurring
Product: Credit reporting

Experian is refusing to investigate credit inquires listed on my credit file Accounts named : XXXX card. XXXX. And XXXX All were not authorized by me Experian rep stated to me via phone call, that creditors that due business with Experian have the right to pull my credit at anytime without my authorization per FCRA
Product: Checking or savings account

On XX/XX/2022, I received a letter from BOA informing me that they've made decision to close my checking account. I tried to call their customer service at risk department and they gave me the answer with business reason. Then I went to branch at XXXX, the branch manager gave me some potential but not quite certain reason like : too many transactions has been made. The problem is that I only send the money through XXXX and XXXX for rent purpose and also the split dining bill with my friends. The other transactions include paying for merchant and service which all of them are legal business. 
I have proof and witnesses for every transaction I made. 

If it's because the reason provided by branch manager, then the action what they imply me for suspicious activity is a big humiliation, I will take legal action against this situation. 

I strongly believe my account was been closed with a huge mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed Ch XXXX in XXXX, it was completed and XXXX in XXXX. Then in XXXX one old collection agency placed a collection on my credit report as if I reopened a account ( re-dated ) it as if new- dropping my credit score and hurting what I have been working on hard for all these years. I disputed with XXXX and XXXX reporting agency but they will not remove it. XXXX isnt reporting it. I have talked to my bankruptcy attorney and he said it is a discharge violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX